UAS Insurance Requirements: FAQ for European Drone Pilots

1. Do I need insurance to fly my drone in Europe?

Yes, if you are operating a drone in the 'specific' category or for commercial purposes, insurance is required. This is to cover potential liabilities that may arise from third-party damages or injuries. For 'open' category operations, insurance is not mandatory, but it is highly recommended for peace of mind and safety. (Reg 2019/947 Art. 11)

2. What type of insurance do I need for commercial drone operations?

For commercial operations, you must have liability insurance that covers third-party damages. This insurance should include coverage for bodily injury and property damage, ensuring you are protected while conducting your operations. Always ensure that your policy meets the minimum coverage requirements specified by local regulations. (Reg 2019/947 Art. 11)

3. How much insurance coverage do I need?

The required coverage amount may vary based on your operational risk assessment and local regulations. However, it's common for insurance policies to start at a minimum of €1 million for third-party liability. Consult your insurance provider for specific recommendations based on your operational profile.

4. What if I want to fly near an airport? Do I still need insurance?

Yes, flying near an airport often falls under the 'specific' category of operations, which requires you to have liability insurance regardless of whether you are flying for commercial purposes or recreational use. Always check with local authorities for additional requirements when flying in controlled airspace. (Reg 2019/947 Art. 11)

5. Can I fly my drone without insurance in the 'open' category?

While insurance is not legally required in the 'open' category, it is highly advisable. Accidents can happen, and having insurance can protect you financially in case of damages or injuries caused by your drone.

6. What happens if I operate without insurance?

Operating without the required insurance can result in severe penalties, including fines, suspension of your drone license, or even criminal charges depending on the severity of the incident. Always ensure you comply with insurance requirements to avoid legal repercussions. (Reg 2019/947 Art. 11)

7. How do I choose the right insurance provider?

When selecting an insurance provider, consider the following:

• ▸
  Coverage options: Ensure they provide adequate coverage for your needs.
• ▸
  Experience with drone insurance: Choose providers familiar with UAS operations.
• ▸
  Customer reviews: Research feedback from other drone pilots.
• ▸
  Price vs. coverage: Compare costs while ensuring you're not underinsured.

8. Do I need to show proof of insurance to anyone?

Yes, you may need to provide proof of insurance to local aviation authorities or when applying for special permissions to operate in certain airspace. Always carry a copy of your insurance policy while flying.

9. What if my drone causes damage to someone's property?

If your drone causes damage, your liability insurance should cover the costs associated with repairs or compensation claims. Always report the incident to your insurance provider as soon as possible and document the damage thoroughly. (Reg 2019/947 Art. 11)

10. How do I stay updated on insurance requirements?

Regulations and insurance requirements may change, so it’s essential to:

• ▸
  Regularly consult official EASA documentation.
• ▸
  Stay informed through reputable drone pilot forums and websites.
• ▸
  Check for updates from your insurance provider regarding policy changes.

11. What are the consequences of flying in restricted areas without insurance?

Flying in restricted areas without the proper insurance can lead to serious penalties, including legal action, fines, or loss of your flying privileges. Always verify airspace restrictions and ensure compliance with both operational and insurance requirements. (Reg 2019/947 Art. 11)

12. How does insurance apply to drone racing or events?

If you participate in drone racing or events, you may be required to have specific insurance coverage that includes liability for injuries or damages during the event. Always check the event's regulations for insurance requirements.

13. Do I need insurance if I’m just flying recreationally?

While not mandatory, having insurance for recreational flying is recommended to protect against unexpected accidents or incidents. Many insurance providers offer affordable policies tailored for hobbyists.

14. What should I do if my insurance policy changes?

If your insurance policy changes, such as adjustments in coverage or premiums, review the new terms carefully. Ensure that your coverage still meets EASA requirements and inform your local aviation authority if necessary.

15. Where can I find more information about UAS insurance?

For comprehensive information on UAS insurance requirements, refer to the official EASA website and consult with local aviation authorities or specialized insurance providers. Always consult official EASA documentation for complete requirements.

---

Disclaimer: Regulations may change; always verify with official sources. This is educational content and not legal advice. Always consult official EASA documentation for complete requirements. For more information, visit 120mAGL.com .