Germany follows the EU standard drone regulations and any pilot who wants to fly a drone in the country needs to obtain a license. Additionally, all private or commercial drone operations must be insured. Having good liability and hull coverage can mitigate any risks associated with accidents. Here is a list of some of the best drone insurance providers in Germany:
Factors to consider before purchasing drone insurance
Coverage: Some companies only offer liability coverage that covers property damage or bodily injuries caused by their drone. Therefore, if the insurance company offers both liability and hull coverage (physical damage to your drone) it may be a better option. You may also find add-on coverage options for equipment, remote controls, etc.
Plans: This is another important factor to keep in mind while choosing drone insurance. For recreational drone pilots, purchasing an expensive annual plan wouldn’t be the best option. Therefore, hourly, monthly, and annual plans must be looked at and some companies also offer customized plans.
Coverage Amount: This is a good factor to watch for. The heavier the drone is the riskier it is for the people and property on the ground. Therefore, choosing a drone insurance provider which has a high liability coverage can help mitigate the concern of damage in case of a mishap.
Type of Drone: The type of drone insurance you buy largely depends on the type of drone you have and the operation. If it is a medium-sized drone, weighing around 2kg, operating around a lot of people and buildings, you may want a high liability and hull insurance. However, if you’re an FPV pilot flying in controlled and closed surroundings, recreational drone insurance with just hull coverage will do just fine. Therefore, analyze the type of drone and its operation to better understand your needs.
Best Drone Insurance Providers in Germany
1. Coverdrone Germany
Coverdrone is one of the best specialist drone insurance providers in the world. With a comprehensive and flexible plan, drone pilots can customize plans to fit their needs. It offers both liability and hull coverage with additional features such as theft coverage and exchange options in case of damaged drones. Coversure also offers Flysafe, a companion app for airspace maps, environmental conditions, low-flying manned aircraft, and dynamic restrictions. Learn more about Coverdrone here.
- Specialist drone insurance provider
- Cover for commercial and recreational drone operations
- Global coverage
- Flysafe companion app
- Training cover with no drone or operator limits
2. Getsafe
Getsafe is one of the leading insurance providers in Germany. It provides liability coverage for a varied list of items. You can purchase liability coverage for your drone through Getsafe. The company offers liability coverage of up to € 50 million to both commercial and recreational pilots. It has a user-friendly mobile application to help you get insured in minutes. Its monthly plans start at € 6.07 with € 0 deductible. Learn more about Getsafe’s drone insurance here.
- For commercial and recreational pilots
- User friendly mobile application
- Monthly and annual plans
- Covers drones up to 5kg
- Worldwide insurance cover
- € 50 million in liability
3. Versichertedrohne.de
Versichertedrohne.de is a German drone insurance provider for commercial and private drone operations. It provides both liability and hull coverage. The company has been approved by the Federal Financial Supervisory Authority (BaFin) and meets all the requirements of the Aviation Act. Its annual plans start from € 32.76 with a liability cover of up to € 50 million. Learn more about it here.
- For commercial and recreational pilots
- Covers unlimited drones
- Worldwide insurance cover (except USA and Canada)
- € 50 million in liability
4. Adam Riese
Adam Riese is another German drone insurance provider similar to Getsafe that offers liability coverage for drones. Getting a quote is a simple process through the web application. The company offers different tariffs but the XXL tariff is best suited for drone pilots. Its annual plans start from € 31.55 with a € 300 deductible. Learn more about it here.
- For commercial and recreational pilots
- Affordable annual plans
- Covers drones up to 5kg (hull coverage)
- Worldwide insurance cover (except USA and Canada)
- € 50 million in liability
5. Helden.de
Helden.de is a premium drone insurance provider in Germany. It offers multiple insurance services under one price tag. Unlike other insurance providers, it’s insurance cost is fixed at € 72/year for all operations and services. Additionally, this plan covers friends and unfamiliar pilots other than the insurance owner. However, it has a € 150 deductible during claims. Learn more about the offer here.
- For commercial and recreational pilots
- Fixed annual plan for all services
- Covers drones up to 5kg (hull coverage)
- Worldwide insurance cover
- € 50 million in liability
- Unlimited amount of drones
- Indoor and outdoor drone operations cover
