Whether it is for research purposes, monitoring industrial plants, pipelines or electric
cables, for photo or film shoot-ing or for logistics services: drones now fulfil many
tasks in the industrial and commercial sectors. Those who use them must cover their
When a drone crashes, the owner is liable in accordance with the
German Air Traffic Act (Luftverkehrsgesetz, LuftVG), regardless of faults. This can
have very far-reaching consequences and involve damage to property or even injuries
to people. HDI Global SE has developed suitable coverage concepts for the professional
use of drones or unpiloted aerial vehicles (UAV) or multicopters. Because drones are
subject to compulsory insurance in both the commercial and private sectors.
Services at a glance
Drones - Aerial Vehicle Owner Liability Insurance
HDI offers owners the option of insuring a single aerial vehicle or combining several
into one policy. The coverage concepts in the commercial sector are:
For customers who own several UAVs (multicopter/ unmanned/ unpiloted aerial vehicles) but only ever use one UAV at any given time.
Several unnamed co-controllers are also insured
Tailor-made insurance cover
HDI Global SE has the perfect insurance solution for the multitude of applications for unmanned aerial vehicles.
Flexible sums insured
Sums insured range from the legally prescribed lower limit to the individually necessary amount of cover.
The autonomous use of model aircraft is also insured to the extent that the device in question is always within the controller's field of vision and the official ascent permit stipulates this.
Insurance cover for the private sphere
Membership of the German Model Flying Association (Deutscher Modellflieger Verband
e.V., DMFV) contains special liability insurance cover for the private use of model
aeroplanes and model aircraft. This also includes drones. For private individuals
who are not members of the DMFV, HDI Global SE also offers the right coverage concept
for the recreational area.