The use of drones has increased exponentially in recent years, leading to stricter regulations on their operation. In this context, it is necesary to understand the importance of having a mandatory insurance for drones, which guarantees coverage to third parties in case of possible incidents. In this article, we will provide you with all the information you need to understand and comply with current regulations.
Is drone insurance mandatory?
Yes, it is essential to have insurance if you operate drones, especially if you use them for professional purposes. According to European regulations and the legislation of the Spanish Aviation Safety Agency, all drone operators must have an insurance policy that covers civil liability for damages to third parties that may arise during and as a result of drone flight.
This regulation seeks to protect both people and property in airspace and on the ground.
If you have doubts about the legal aspects for your operation or the steps you need to take to become a professional drone pilot contact us. Through our drone consultancy service we offer you personalized aeronautical solutions and consultancy in all your activities as a drone operator. We are also up to date with the European and Spanish regulations to keep our customers informed and comply at all times with the legislation.
Do all drones need insurance?
Following the amendment of the Air Navigation Law, and until the entry into force of the Royal Decree on UAS that completes the legal regime for the civil use of unmanned aircraft systems, it will be necessary to have an insurance policy covering civil liability to third parties for damages that may arise during and due to the execution of each flight performed (both recreational and professional purposes) in accordance with articles 11 and 127 of the Air Navigation Law.
The requirement for liability insurance to operate a drone depends mainly on its weight and type of use. For example, any drone under 250 grams generally does not require insurance for recreational flights, although it is always advisable to check local regulations.
However, for drones with a higher weight, especially those exceeding 20 kg, liability insurance is mandatory. Specific regulations may vary, but the trend is towards uniform regulation at European level to ensure that all flights meet certain safety standards.
What should this mandatory drone insurance cover?
Mandatory drone insurance must provide coverage for damages to third parties caused by the drone. This includes physical or property damage that may arise during and due to the flight of the drone.
For professional drones with a MTOM equal to or greater than 20 kg, the regulations are governed by Regulation 785/2004, which establishes a minimum amount of coverage for damage to third parties on the ground of 750,000 Special Drawing Rights (SDR) for drones up to 500 kg according to AESA. For professional drones with a MTOM of 20 kg or less, as well as for those used for recreational purposes, Royal Decree 37/2001 applies, establishing a minimum amount of 220,000 SDRs.
It is important to note that, under these regulations, each flight must be adequately insured, although it is not necessary to maintain an active policy on a permanent basis.
On the other hand, although the primary focus of compulsory insurance is liability coverage, many operators choose to take out additional policies covering damage to the drone itself and other associated risks. This is especially important for those performing complex operations or involving a sizeable drone fleet and depending on the flight environment and the risks associated with such an operation.
Considerations when purchasing insurance for drones
When looking for suitable insurance, it is crucial to select an insurance company with experience in the aeronautical sector. You should make sure that the insurance policy not only covers the minimum requirements, but is also suitable for the specific activities you perform with your drones. In addition, verify that the insurance covering civil liability is admitted by the State Aviation Safety Agency and is in compliance with current European regulations.
Selecting the right insurance is not only a matter of legal compliance, but also a strategic decision that protects your investment and operations. When flying a drone, inherent risks arise that, properly managed through insurance, enable the safe and efficient operation of this technology.
Mandatory drone insurance is part of the documentation to be a legal drone operator. Making sure you comply with these regulations is not only a legal obligation, but also a prudent measure to protect your business and ensure the safety of the airspace. With the right information and an appropriate insurance policy, you can enjoy the vast opportunities that drones have to offer while maintaining a safe environment for all.
