Introduction - Insurance
Drone flights can cause damage to people, animals or property. Suitable insurance helps cover the financial consequences of such an incident.
Even when insurance is not always legally required, it may still be necessary in practice.
Insurance is part of responsible risk management.
Liability and damage
The operator or pilot may be liable for damage caused by the drone operation. This may include property damage, injury or consequential loss.
An insurance policy does not automatically cover everything.
You must know which risks your policy includes and excludes.
Types of insurance
Common policies include liability insurance and sometimes additional cover for equipment or professional activities. The right insurance depends on the type of flight and how the drone is used.
Recreational and commercial use often have different conditions.
Read the policy carefully.
Exclusions and conditions
An insurer may refuse cover if you fly outside the rules, under the influence, or act deliberately unsafely. Incorrect or incomplete information when taking out the policy may also create problems.
Flying within your privileges remains essential.
Insurance is not a licence to take risks.
Reporting and documentation
After an incident, you often need to report the damage quickly to the insurer. Record the date, time, location and involved persons, and preserve photos or log files where possible.
Good documentation speeds up the handling process.
Accurate administration is therefore wise.