All about this insurance: Drone insurance
Do I need insurance to fly a drone in Germany?
Insurance broker / Insurance questions / Drone insurance
In short
Do you need to register your drone? Yes, once it weighs 250 grams or more or has a camera: a one-off EUR 20 with the Federal Aviation Office (Luftfahrt-Bundesamt). You need to get a drone licence from 250 grams; the basic A1/A3 certificate costs EUR 25 online and is valid for five years. Below 250 grams no licence is needed, and without a camera no registration either, in Germany as across the EU.
What registration, licence and compulsory insurance cost in Germany, as of October 2026.
| Example | Typical range |
|---|---|
| Operator registration with the Federal Aviation Office | EUR 20 for individuals, EUR 50 for companies |
| EU proof of competency A1/A3, online | EUR 25, renewal after five years EUR 15 |
| EU remote pilot certificate A2, authority fee | EUR 30 |
| Course and exam for A2 at a test centre | about EUR 79 to 350 |
| Stand-alone drone liability insurance, private | about EUR 39 to 95 a year |
Fees according to the authority and published examples, as of October 2026.
A2 costs depend heavily on the test centre.
That personal liability insurance often includes a drone at no extra cost is a guide value from our quoting practice.
Your premium depends on weight, use and cover; we obtain the exact quote.
Worked example
A hobby filmmaker buys his first larger drone and wants to do everything right. This is what he faces.
| Registration, e-ID on the drone | EUR 20 one-off |
| Basic licence A1/A3 | EUR 25 for five years |
| Advanced certificate A2 | not needed as long as he keeps away from people |
| Liability cover, if his personal liability policy does not include the drone | about EUR 39 to 95 a year |
A one-off EUR 45 for registration and licence, plus EUR 0 to about 95 a year for the compulsory insurance, depending on his existing cover.
Registration and licence are often confused, but they concern different roles. The operator registers: the person who owns the drone and decides how it is used. The operator receives a number, the e-ID, and puts it on every drone they own.
The licence is needed by whoever flies the drone. If you fly yourself, both apply to you. If you lend the drone to a friend, your e-ID stays on it, but your friend needs his own certificate if the drone weighs 250 grams or more.
What counts is the take-off weight and the class that newer drones carry as a label from C0 to C4. Older models without a class are called legacy drones and are classified by weight.
The camera is the point many people miss: even a 249 gram drone has to be registered as soon as it can film. You do not need a licence for it, though.
| Drone | Registration | Licence |
|---|---|---|
| under 250 grams, no camera | no | no |
| under 250 grams, with camera, class C0 or no class | yes, EUR 20 | no, reading the manual is enough |
| class C1, up to 900 grams | yes | basic certificate A1/A3 |
| class C2, up to 4 kilograms | yes | A1/A3, plus A2 for flying close to people |
| legacy drone from 250 grams | yes | A1/A3, only far from people |
| indoor flights only | no | no |
You register using the online form of the Federal Aviation Office, pay EUR 20 and receive your e-ID. Each operator gets just one number, even with several drones. The form is currently only available in German.
The number must be clearly legible on every drone, and with many newer models also entered in the app so the drone broadcasts it in flight. Do this before your first flight, not afterwards.
On the learning platform of the Federal Aviation Office you work through an online course and then take the test: 40 questions, at least 75 percent correct. Allow three to six hours. You get the certificate straight away as a file; it costs EUR 25 and is valid for five years, renewal costs EUR 15.
The advanced A2 certificate builds on it. You take the theory exam at an approved test centre and declare practical self-training. It is only worth it if you want to fly a class C2 drone closer to people, for example when filming in built-up areas.
If you fly a small drone under 250 grams without a camera, such as a beginner model for the garden, neither registration nor licence applies. The same goes for flying only indoors.
Liability insurance, however, stays: in Germany it is mandatory for every drone flown outdoors, whatever its weight and whether it has a camera. Anyone who only looks at weight and licence tends to forget exactly this point.
Even with a licence the maximum height is 120 metres above ground, and you must not fly over crowds. No-fly zones around airports, hospitals or government buildings remain closed; check them before every flight on the federal map.
Breaking these rules risks more than a fine. After damage your insurer can reduce its payment or reclaim money if you flew without the required certificate or in a no-fly zone.
Questions and answers
No. The operator is registered, not the device. You get one e-ID and put the same number on all your drones.
No. For class C0 and legacy drones under 250 grams it is enough to know the manufacturer's instructions. You still have to register if it has a camera.
Both the basic and the advanced certificate are valid for five years. Gaining A2 also renews your A1/A3 proof.
Alone from 16. Younger people may only fly under the supervision of an adult who knows the rules.
The EU certificate is valid throughout the EU. Local no-fly zones and rules of the country you visit apply on top, and your insurance must cover flying abroad.
It is an administrative offence with fines of up to EUR 50,000. If damage occurs, your insurer may cause trouble as well.
Yes, if the drone weighs 250 grams or more. The certificate belongs to the person at the controls, the e-ID stays yours.
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All about this insurance: Drone insurance
Do I need insurance to fly a drone in Germany?
Is drone insurance mandatory in Germany?
Yes. Anyone who flies a drone outdoors in Germany must, as its keeper, have liability insuran …
How much does drone insurance cost in Germany?
Separate drone liability insurance for private flying usually costs EUR 35 to 50 a year in Ge …
Who pays if a friend causes damage with my drone?
Who pays? First you: as the drone's keeper (Halter) you are liable under § 33 of the German A …
Your broker: Norman Nammert, insurance broker licensed under section 34d(1) of the German Trade Regulation Act, trading as NAMMERT.
Broker register no. D-C08Q-TOSD4-37.
NAMMERT Assekuradeur GmbH is a separate company and does not arrange your contract.
Statutory disclosure (German) · Updated
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