Drone Insurance for Recreational, Professional, Volunteer, and Commercial Use

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)

About the current drone regulation

Yes! Since August 10, 2005, model owner liability insurance has been required by law for all model aircraft, helicopters, and drones without exception, regardless of their takeoff weight (Sections 33, 37, and 43.2 of the German Air Traffic Act). For more information: Drones with a takeoff weight under 250 g.

In many cases, models and drones are not covered by the liability insurance. We offer a special model owner/operator liability insurance including an absolute liability, a real aircraft insurance, independent from your private or commercial liability insurance. This is required by law if you want to navigate 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.

Our liability insurance policies are valid worldwide, except in the United States and in countries affected by war or embargoes. If you need coverage for flying in the United States, please feel free to contact us.

Our drone liability insurance policies start at just €39.96 for adults and €26.64 for teenagers for recreational use. For business owners and volunteers, our liability insurance policies start at €168.00. We’d be happy to advise you on the best insurance coverage.

No, we do not have any deductibles (for property damage, bodily injury, or financial loss)—neither in our personal nor commercial liability insurance policies!

Yes, for commercial and volunteer flights, you need drone insurance for commercial use.

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.

With drone liability insurance, we cover property damage, bodily injury, and financial loss. With the right (comprehensive) insurance, you can cover damage to your drone. DMO offers you the right liability coverage.