Drones, multicopter and quadrocopter insurance

Drones, multicopter and quadrocopter insurance

Drone insurance Multicopter insurance


1. Legal

The Aviation Act (LuftVG) and Aviation Ordinance (LuftVO) regulate the legal requirements for the use of unmanned aerial systems (UAS Unmanned Aerial System), such as drones, multicopters, quadrocopters and the like. In principle, unmanned aviation systems are subject to authorization, with the exception of multicopters for the purpose of sports and leisure activities with a takeoff weight of less than 5 kilograms.

Most of the semi-professional multicopter models are under the starting weight of 5 kilograms and are therefore not subject to registration and do not require a climbing permit.

For multicopters with one Starting weight over 5 kilograms the LuftVO provides that these are assigned to commercial use and therefore subject to authorization and thus require an ascent permit. Ascent approval can be requested for unmanned aerial systems up to a take-off weight of 25 kilograms. Unmanned aerial systems with a take-off weight of more than 25 kilograms are not permitted for the civilian sector in Germany. The climbing permit is issued by the competent Land Air Authority and amounts to depending on the state up to 250 €. The lift permit is issued for a period of 2 years and is subject to the following administrative regulations.

  • Personal suitability to run the unmanned aerial system must be demonstrated by the applicant.
  • The applicant must have special liability insurance.

To grant the general access permit, the following information must be provided by the applicant:

  • Purpose of operating the unmanned aerial vehicle system
  • Information on the unmanned aerial system
  • Proof of sufficient liability insurance
  • Privacy statement

In order to be granted the one-time permission to climb, the following additional information about the general access permit must be provided:

  • Information about the ascent
  • Declaration of consent of the property owner with site plan and entry of the ascent site with flight space
  • Ascending date and time of ascent, in case of repeated climbs, the number of ascents and the duration of the individual flights must be stated
  • technical information on the unmanned aerial vehicle system and information on the payload
  • The multicopter pilot must provide proof of training, knowledge and experience
  • a declaration of no objection by the competent regulatory authority or police must be provided
  • at a point of ascent within a protected area, a certificate of safety clearance or the permission of the competent authority must be provided

2. Airports – no-fly zones

Legislators have issued a general ban on flights to some places. Et al count among the no-fly zones:

  • Near an airport – also gliding areas, a minimum distance of 1.5 kilometers must be observed
  • industrial plants
  • Meschenansammlungen
  • Accident and disaster areas
  • Natuschutzgebiete
  • Parts of some cities, such as Inside the S-Bahn ring in Berlin

3. Start and land on foreign land

In principle, every takeoff and landing requires the consent of the property owner. This consent is generally necessary for private and commercial use of the aviation system.

4. Flying over foreign land

The multiple flying over a plot must be tolerated. Because the pure overflight does not constitute an interference with the property right according to § 905 BGB.

5. Flying over public events

Basically, larger crowds may only be flown over with a lift permit.

6. Liability insurance – compulsory insurance

If the flight system operator causes damage, this can be held responsible. Irrelevant is the reason why the damage has occurred, so whether a user error or a technical defect is the cause of the damage.

7. Contribution expenses for liability insurance

The annual contribution expenses for the liability insurance varies among the insurance companies and lies between 50 euros and 200 euros annually.

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Christina Cherry
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