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Drone Insurance in Germany
- Drone insurance (Drohnenversicherung) is mandatory for all aircraft over 250g, regardless of whether you are a resident or visitor.
- Drones, also known as Unmanned Aerial Vehicles (UAVs), are officially classified as Unmanned Aircraft Systems (UAS). A complex framework regulates these systems based on weight and purpose.
- Additional requirements for flying a drone are registration as a UAS operator and potentially a pilot’s license, depending on the drone’s weight and purpose.
- Drone accidents can cause various types of damage. Liability insurance is essential, as lawsuits can amount to millions of euros.
Insurance Options
When it comes to insuring your drone in Germany, you have several options. Understanding the differences between these options is critical to finding the right coverage for you.
Private Liability Insurance
Many private liability insurances (Haftpflichtversicherung) now cover drone incidents. However, the scope of this coverage can be very different. Check your policy to see what your insurer doesn’t cover.
Dedicated Drone Insurance
Specialized drone insurance (Drohnenversicherung) policies offer more coverage than private liability insurance. These policies often include coverage for the drone itself against damage or loss.
Insurance Through Drone Clubs
Some drone clubs offer liability insurance options for their members. These policies can be very different in terms of coverage and price.
To Consider
When choosing drone insurance, you should consider many things.
Coverage Limits
You should have insurance coverage that covers all types of damage. Drone accidents can cause various types of damage. The most common are:
- Property damage — from broken windows to damage to buildings, vehicles, or crops.
- Personal injury — collisions with drones can cause physical harm to people.
- Aircraft damage — drones near airports can cause significant damage.
- Privacy violations – improper drone use can infringe on individuals’ privacy, leading to legal issues.
- Environmental damage – in rare cases, drones can damage wildlife or natural habitats.
Drones Classification
The type of drone you want to fly (weight, purpose) can influence the insurance options and the required coverage.
Commercial Use
If you want to use your drone commercially, you need more coverage than recreational use. Commercial liability policies are more expensive because of the higher risk.
Recommended Drone Insurance by Getsafe
Getsafe’s drone liability insurance offers excellent coverage and convenience. It offers up to €50 million in liability protection, perfect for drone enthusiasts. This policy covers multiple drones worldwide and can be managed through an app. The insurance cost is ideal for the coverage.
Pros and Cons of Getsafe Drone Insurance
- All-round coverage: Protects third-party liability for drones up to 5kg, privately and non-commercially used..
- Flexible plans: Two coverage options: Comfort (€43.60 annually, €20 million coverage) and Premium (€57.18 annually, €50 million coverage) for under-30s without prior liability insurance..
- Multi-drone coverage: An unlimited number of drones is covered under one policy.
- Global protection: Europe and up to 5 years worldwide.
- Convenience: Manageable through an app.
- Limited coverage: Only third-party liability, not drone damage, repairs, or replacement.
- Restrictions of use: No commercial use, flights above 120 meters, and operation outside visual line of sight.
- Dependent on existing policy: Extension of your personal liability insurance.
Although the insurance provider also covers family members or other persons operating your drone, drone pilot registration is mandatory in Germany. Each person operating a drone must be registered as a pilot and may require a specific license depending on the drone and flight conditions.
The Getsafe App
Getsafe offers an innovative approach to insurance, making the process digital. You can manage your policies, file claims, and get information with user-friendly apps and English language support. This makes insurance accessible and efficient even if you don’t speak German.
Drone Pilots in Germany Checklist
Drone ownership can be a fun hobby, but you must navigate the complex German regulations. Besides having the proper insurance, understanding and following the local laws is critical. We have created a checklist to help you fly safely and legally.
Drone Registration
If their drone weighs more than 250 grams or has a video recording or sensor capability, drone pilots must register (Drohnenzulassung) it with the German Federal Aviation Office (LBA). This applies to residents and visitors in Germany. The registration fee is €20 for individuals and €50 for legal entities.
Drone License for Recreational Use
The type of drone license in Germany depends on the drone’s weight and purpose. The LBA issues two types of licenses.
EU Certificate of Competence (A1/A3)
For drones that weigh over 250 grams and are recreationally used, an EU Certificate of Competence is usually required. This license proves essential drone operation and safety knowledge. You must complete an online course and pass a theory test to get it. This costs between €100 and €200.
EU Remote Pilot Certificate (A2)
Drones over 500 grams or operating in complex environments (near people, urban areas, or higher altitudes) require an EU Remote Pilot Certificate (A2). This advanced license demands more expertise, usually between €300 and €500 or more.
Please note no-fly zones. Drone pilots must follow strict flight restrictions. Don’t fly near airports, military areas, or densely populated areas. Respect privacy by not flying over private property. Night flights are generally not allowed for safety reasons.
Conclusion
Drone ownership is a fun hobby, but you must consider the risks involved. Liability protection is critical while technology improves, regulations change, and insurance options grow. By thinking about your drone and its risks, you can choose the proper insurance to enjoy your hobby worry-free.
Frequently Asked Questions
Yes, all drone operators, including those flying drones under 250 grams with a camera, must register in Germany before flying. This also applies to tourists.
No, the drone registration is linked to an operator. Only the registered operator or someone under their direct supervision with the necessary qualifications can fly the drone. Allowing someone else to fly your registered drone without meeting these requirements is against drone regulations and can lead to legal consequences.
Getsafe’s drone liability insurance covers damages caused by your drone, regardless of the pilot. German law, however, states that only the registered owner or someone under their direct supervision with the necessary qualifications can operate a drone.
Drones over 250 grams must be registered, and the owner must be at least 16. Registration allows ownership, but piloting often requires a license. Since drones can involve financial risks, getting proper insurance is critical.
Flying a drone against German air traffic regulations can lead to heavy penalties. For administrative offenses, a fine of up to €50,000 is possible. In case of danger to air traffic, imprisonment is also possible.
