In 2015, so many drones (also called Copter ) were sold as never before. In the meantime, copters are affordable for everyone and can be controlled by the user from the ground using their smartphone, computer or tablet. A simple hobby drone is already available for less than 100 euros. The flying of drones is currently becoming a hobby sport, because they allow spectacular aerial photography. Unfortunately, the user manuals of these devices do not contain any reference to the compulsory insurance or the legislation.

Drones are penetrating more and more areas. Not only the military, but also the police and the fire brigade are increasingly using drones to get a quick overview of the locations. For professional drones, the prices are – depending on the use of technology – up to several 10,000 euros.

Both commercial and hobby users must follow a number of rules for unmanned aerial vehicles such as drones, multicopters or quadcopters.
For aircraft weighing more than five kilograms, a special holder liability insurance for aircraft must be completed. Many assume that this is covered by the private liability insurance. However, this is not the case.

From a legal point of view, flying objects are considered to be aviation vehicles in accordance with the Aviation Act and are therefore subject to compulsory insurance. This is also valid for private use. In addition, the distinction between private hobby drone and commercial drone is often difficult.

If videos or pictures of the flight are placed on social networks like Youtube, Facebook, etc., this can already be considered as commercial use by the responsible authorities. Also keep in mind that “the right to own picture” also applies to aerial photography.

In the summer of 2014, the Spanish government passed a law requiring every owner of an unmanned aerial vehicle to take out “ holder’s liability insurance “, which covers any damage caused by the operation of the aircraft arise.

  • Drones under 20 kg / Air Traffic Control Act RD 3772001

  • Drones over 20 kg / Air Traffic Control Act CE 785/2004
In addition, for the commercial use of drones, an ascent approval is due, which is not handed over by the aviation authorities without presentation of a corresponding “owner liability insurance”. In addition,
However, if you let the drone rise without insurance coverage , you risk not only a fine, but you also have to use your private fortune for the
damage incurred.
The damage potential is immense. High damage to property and personal injury is a realistic scenario. Crashes on vehicles, buildings or even people, as well as collisions with a high voltage power line are absolutely conceivable.

What questions do you have for us?
As an insurance broker we advise you independently and competent.