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Private drone insurance

Anyone who flies a drone in Germany is legally required to have liability insurance—whether they fly regularly as a hobby or only occasionally.

Our private drone insurance offers comprehensive coverage for adults, teens, families, and partners—regardless of your personal liability insurance. Starting at just €26.64 per year for teens and €39.96 per year for adults, you’re reliably covered.

Drone insurance for leisure and hobby

Overview of Drone Liability Insurance Coverage

We offer drone insurance for adults, teenagers, families, and partners as a standalone policy, separate from your personal liability insurance.

In addition to drones, our liability insurance automatically covers other remote-controlled models, such as model airplanes.

Important: As soon as you use your drone for volunteer work, you will need commercial drone liability insurance, which we also offer.

Up to 3 or 12 million Euro insurance sum

In case of doubt we recommend the higher insurance sum. We will assist you when choosing the best insurance sum for your needs regarding the drone liability insurance.

FPV up to 30 meters without a spotter

As a private DMO customer, you benefit from our partnership with the DMFV association. This means, for example, that in Germany, FPV flying is permitted up to a height of 30 meters without a spotter. Click here for the association’s rules in detail.

Unlimited number of covered drones

We insure you as drone pilot with an unlimited number of drones. Rented or borrowed drones are also included.

Competent support in case of a claim

In case of a damage claim we are at your side! You report the damage to us, and we take care of the rest.

Worldwide coverage

The drone operator liability insurance is valid worldwide. Exceptions: USA, countries at war and embargoed countries. Should you want the USA to be covered, please contact us! Please generally observe the local rules and regulations.

Absolute liability and aircraft insurance

Our insurance for drones in the private area and for clubs/associations includes the legally required absolute liability and it is a real aircraft insurance for keeping, owning, and operating an aircraft model of all types as well as drones.

An Overview of the Coverage and Costs of Our Drone Liability Insurance

Insurance sum	3.0 Mio € / 12.0 Mio €	If you are not sure which insurance sum is the right one for you, we can advise you in that matter.
Annual fee	from 39,96 € for adults from 26,64 € for adolescents The tariff is valid until the policyholder's 18th birthday; the adult tariff is charged from the day the policyholder comes of age. from 51,96 € for partners/families In addition to the policyholder, our family tariff also insures the spouse or partner and their minor children under the age of 18. The prerequisite is that they are all registered in the same household as the policyholder. Only one model of the family may be in use at any one time.
Number of covered drones	Unlimited	All models are covered by one fee, including rented or borrowed drones.
Camera (photos, movie and video recordings)	###check###
Deductible (for material, personal or financial damages)	None
Insured drones	Multicopter, Hexacopter, Quadrocopter
Insured models	All kind of remote-controlled models are included, such as plane models, vehicle models and ship models
Number of insured pilots	One person in the tariff adults/adolescents Several persons in the tariff families/partners
Rented/borrowed models	###check###
Geographical coverage	worldwide (except in countries of war and embargo, USA only on separate request)	Should you want the USA to be covered, please contact us.
Insured take-off weight	Drones of up to 25 kg
FPV (First Person View)	###check###
Control with smart phone and tablet	###check###
Indoor operation	###check###
Flying “in the wild” (meadows, fields)/ Flying outside of model airfields	###check###	Condition: Observing all legal regulations
Participation in competitions/events/”air races”	###check###
Automatic coming-home function, fail-safe	###check###	Condition: flying/operating by sight
Absolute liability	###check###	Our insurance for drones in the private area and in clubs includes the required absolute liability and it is a real aircraft insurance.
Legal expense insurance	###check###	Included non-contributory (insurance company for the legal expense insurance is ...)
Private flying in Germany under the rules of the Standardized Rules for Model Aircraft	###check###	Training certificate only required above 2 kg take-off weight, no spotter required up to a flight altitude of 30 meters, e-ID available for only €5.
Insurance company for the liability insurance:	Allianz Global Corporate & Specialty SE

Drone pilots at the DMO fly in accordance with association rules

Simplified regulation for drone pilots

Thanks to our partnership with the DMFV, DMO customers fly under the association’s rules!

This means, for example: if you fly only in Germany and operate a drone with a takeoff weight under 2 kg, you need neither a certificate of knowledge nor an EU certificate of remote pilot competency ("drone license")!

And for takeoff weights of 2 kg or more, the certificate of knowledge is sufficient.

More information on the association’s rules

Calculate your premium now and get the right drone insurance online in just a few steps

Go to the tariff calculator

What is covered by the drone insurance of the DMO?

Our private drone insurance offers comprehensive coverage for hobby and recreational use.

Personal damages

Material damages

Who is covered?

You can decide whether you just want to insure yourself or also your partner or your family.

Adults

Our tariff for adult individuals

Adults

Adults 18 years and older who need a liability insurance for operating drones.

Adolescents

Our tariff for adolescents up to 18 years old.

Adolescents

If adolescents/young people flying a drone alone can be insured starting from the age of 14. Will your parents or siblings operate the model/drone, too? Then we recommend the family tariff!

Families and partners

Our tariff for all members of one household.

Families and partners

Our recommendation for drone pilots who want to enjoy their hobby together with their family or partner.

Information, Advice, and Insurance - Your Partner for Drone Insurance

As a specialized insurance intermediary with permission according to § 34d (1) GewO (German Trade Regulation Act) with many years of experience in drone and model aircraft insurance, we are here to assist you. We have a thorough understanding of the current legal requirements and regulations and will help you choose the right coverage.

Apart from that, you will always have a dedicated contact partner at your side. From the current drone regulations to the precise prerequisites and requirements for drone pilots: We always keep you up-to-date and are happy to answer your questions.

In case of a claim, we are at your side and take care of the settlement.

Learn more about the DMO

[Translate to English:] DMO Drohnen Versicherung Privat

Your advantages with the DMO

Dedicated contact partners

Our experienced team is here for you. Advice, insurance, and expert assistance in the event of a claim.

Always available

You can contact us by telephone: 49-202-2701770 and by mail: info@dmodirekt․de during our business hours. Usually we will reply within one working day.

Professionals in model flying since 1983

We founded our company with a passion for our own hobby, and this might be one of the reasons why more than ten thousand model sports supporter and commercial users are so satisfied with our services.

Frequent questions and answers regarding drones

Since August 10th 2005, a model owner liability insurance for all model planes, copters and drones (so-called UAVs, unpiloted aerial vehicles) is required by law, regardless of their take-off weight. (§ 33, 37, 43.2 LuftVG (German Air Traffic Act)! Drone pilots need a real aircraft insurance which includes an absolute liability. With our drone insurance, we fulfill the mandatory legal requirements for the private, voluntary and commercial use of drones. We offer you the best tariff for your requirements!

Our drone liability insurances start at 39,96 € per year. We are happy to advise you regarding the perfect insurance for your needs.

That depends on your flight plans!

For private flights in Germany with drones under 2 kg and under 120 m flight height, DMO customers will not need a training certificate.

For anything outside that range, you will need a training certificate (replaces the proof of knowledge of 2017) from the MFSD. This costs 27 € and is valid for 5 years.

For flights in other European countries and for a take-off weight of 250 gr or more, you need the proof of competence A1/A3 of the LBA (Luftfahrt Bundesamt). This costs 25 € and is also valid for 5 years.

For commercial drone flights you always need a proof of competence.

Learn more about the drone operating license

On model flying sites it is generally allowed to fly a drone.

Outside of this area, regulations and no-fly areas must be observed.

Before you can start to navigate a drone, you need the following:

a drone insurance for your requirements
a European registration number which you receive when you register as UAV operator
if necessary, a training certificate or a “drone pilot license”
if necessary, a permit to fly, in the case you have a special flight plan.

We are happy to answer any questions about the conditions for operating a drone.

Even if you are doing voluntary work, you will still need a drone insurance for fawn rescue with a drone with thermographic camera.

Detailed FAQ about drones

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Drone regulation

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