Guide

DRONE INSURANCE: YOU SHOULD CONSIDER THESE THREE POINTS
Guide overview

Drones are becoming increasingly popular with Mr. and Mrs. Smith. But even the most skilled pilot can make a mistake. What if your drone crashes and scratches a parked car? Or gets tangled up in the power line and breaks itself?

Drones and insurances: in Switzerland this topic is becoming increasingly popular.

Read all about the drone insurance here:

The private liability insurance covers financial damages that you inflict on others with your drone. In Switzerland, liability insurance for drones is compulsory. Drones up to 500 grams are therefore already included in your private liability insurance. If your drone is heavier, you need an additional insurance cover of at least CHF 1 million. Your insurance policy serves as proof of coverage. In order to cover as much damages as possible (that you can cause with your flying robot), it is essential that you clarify which liability insurance is necessary for your drone.

The drone belongs to your household goods - just like your bicycle, sofa or mobile phone. Your drone is insured against damage caused by fire, water or theft through the household insurance. With the "simple theft outside your home" module, your drone is also insured if it is stolen while you are travelling. Please pay attention to the insured amount and adjust it if necessary.

Would you like an additional insurance for your drone? In this case, a “casco for electronic devices” helps. With it, your beloved aircraft is usually also insured against damages and destruction if you drop it or if it crashes against a house wall.

Drones weighing less than 30 kilograms are generally allowed to fly over open terrain without permission. However, you must always have direct visual contact with your aircraft when flying. In addition, there are certain situations in which you also need prior approval for smaller drones: So before you fly, make sure you check if you are really allowed to fly at this location.

Also make sure that you do not violate the privacy of other people (for example by flying low over private properties). In addition, observe the Data Protection Act: espionage and voyeurism will be punished. Accordingly, your drone may not fly over military installations or company premises, must stay away from blue-light operations and may not get closer than 5 kilometres to airfields or heliports without authorization. The same applies to so-called control zones (i.e. zones of airports and airfields that are controlled by air traffic control). Be considerate and do not endanger anyone (not even animals). It means that your drone cannot take off over nature reserves, bird sanctuaries or hunting grounds.

If your drone weighs more than 500 grams and you want to fly over a large crowd of people, you need a permit. You also need a permit if you want to fly closer than 100 metres to this group of people. This also applies to private birthday parties or wedding celebrations. And for aircraft with a flying weight of more than 30 kilograms, a prior permit from the Federal Office of Civil Aviation (FOCA) is always required.

The general regulations vary from canton to canton and from municipality to municipality. The best way to find out is to visit the FOCA website. If you want to fly an aircraft outside Switzerland, it is best to find out in advance about the regulations applicable in the country in question and whether you are adequately insured for this.

  • Drones up to 500 grams are already included in our personal liability insurance.
  • For drones over 500 grams and under 30 kilograms you need additional insurance.
  • Damage to your drone is partially covered by the household insurance.
  • It may be worth taking out full insurance for your drone.
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