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An excellent overview about german drone insurances you get here:
https://translate.google.com/tra ... ungsvergleich.de%2F
Original Page (in german): http://drohneversicherungsvergleich.de/
Translated Excerpt:
How to find the best liability (in 6 steps)
A certain knowledge of the legal situation is crucial for the right choice of insurance. As the owner of a drone, you will share airspace with other aircraft. The legislator therefore requires you to be familiar with the current regulations. Especially in the field of insurance, mistakes are often made. Ignorance is no excuse. That is why we have listed all the factors to consider when making the right choice:
Decision 1: Private or commercial?
An essential question that arises for you before taking out a UAV liability insurance is: "Do I need a commercial insurance or is a private UAV liability sufficient?
The conclusion of a private liability insurance for your drone can make sense if you use your quadrocopter exclusively for "hobby purposes", i.e. do not pursue any commercial interest. The law speaks of the fact that the model aircraft may be operated exclusively for the purpose of sport and leisure activities. (§1 Paragraph 1 No.8 LuftVZO)
A commercial interest always exists when you offer or make available images or video sequences to third parties. Even if you offer a specific service as part of the deployment of your aircraft, you should still fall back on a commercial drones insurance tariff. Here the law speaks of unmanned aerial systems (ULS) which are not used for the purpose of sport or leisure activities. (§1 Paragraph 2 LuftVG)
Caution: Even if you publish image or video material recorded with the drone on YouTube or another video channel, this is a commercial offer from a legal point of view.
The background: You could theoretically earn money through partner programs. The same applies to the publication of your image and video material on a website (even if it is a private website). In this case too, it is conceivable that you could generate income by displaying advertising banners. For this reason - in order to be legally on the safe side - you must also in the last two cases described fall back on a commercial tariff of the drones liability insurance.
Decision 2: Insurance Sum
The law clearly stipulates that you must have a sum insured of at least 1 million euros within the scope of your drones liability insurance. This sum insured is automatically included in the tariffs presented on this page. (§43 para. 2 LuftVG and §37 LuftVG)
If you wish, you can also take out a policy with a higher sum insured: It is also possible to conclude a policy with higher amounts of cover, e.g. EUR 3 million or EUR 5 million.
Basically, the following applies: In case of doubt, conclude the insurance tariff with the higher sum insured in order to play it safe and to be adequately insured in the event of damage.
Decision 3: How many drones?
First of all, how many drones you own is crucial for this question. On this page we present various insurance offers: Depending on the tariff and provider, you can insure any number of drones with the liability policy. You will find corresponding offers in the tables above.
Caution: Make sure that there should not be more than one to a maximum of three drones in the air at the same time - subject to a tariff - otherwise the legally prescribed sum insured per aircraft in the air would not be sufficiently high if this number were exceeded.
Decision 4: How many pilots?
The DELVAG fares presented here have a decisive advantage over the offers of alternative providers: these fares do not limit the number of pilots who are also insured for driving the drone.
It is therefore completely irrelevant whether you let your siblings, parents, grandparents, neighbours or friends at the wheel: you enjoy full insurance cover at all times. So you can give the steering wheel away without worries and share your extraordinary hobby with friends and acquaintances.
Note: Please note, however, that depending on the tariff, the names of the pilots should be reported to the insurance company in advance by email.
If you choose conventional private liability insurance, you should check whether your insurance clearly insures according to the prescribed principle of owner's liability. This principle means that regardless of who flies, the owner is always liable.
Decision 5: Deductibles
When it comes to deductibles, too, we offer you a level of insurance comfort that meets the highest demands with the tariffs provided here: All drones liability insurance from DELVAG are also offered without excess. This applies to both commercial and private policies.
Decision 6: EU or worldwide?
Many drone-fans are not content to let their drones and quadrocopters fly exclusively at home. Especially during holidays and travels, there are often excellent opportunities to photograph and film the foreign environment and landscape from the air.
If you intend to let your Multicopter fly exclusively in Germany or Austria, you are well equipped with the standard tariff of DELVAG insurance.
The situation is slightly different if you intend to let your Multicopter fly worldwide. Here, DELVAG's offers offer you the option of taking out additional worldwide insurance cover on request. You can add this to your existing liability insurance tariff for an additional fee of 59€ per year. Alternatively, the tariffs of R+V, which already include worldwide protection, are recommended.
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