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Old 23.05.2018, 15:22
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Liability insurance for drone more than 500g

hey EF, does anyone have experience with liability insurance covering drone more than 500g? So far I find only Zurich and Allianz.
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Old 23.05.2018, 15:46
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Re: Liability insurance for drone more than 500g

Mobiliär (german link) maybe? I have Haushalt- & Privathaftpflichversicherung from them.
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Old 23.05.2018, 16:51
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Re: Liability insurance for drone more than 500g

Liability insurance for drones are now a MUST (German) in Switzerland. Flying those heavier than 500g over people even need a permission, apparently.

Mobiliar mentions them separately including all the rules one has to follow when flying a drone. (does one fly drones? LOL). Up to 30kg, the insurance needs to cover at least 1 million SFr.

And you need to carry the document about being insured with you when ever you do fly the drone.
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Old 23.05.2018, 17:30
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Re: Liability insurance for drone more than 500g

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Liability insurance for drones are now a MUST (German) in Switzerland. Flying those heavier than 500g over people even need a permission, apparently.

Mobiliar mentions them separately including all the rules one has to follow when flying a drone. (does one fly drones? LOL). Up to 30kg, the insurance needs to cover at least 1 million SFr.

And you need to carry the document about being insured with you when ever you do fly the drone.
I believe it is illegal to fly over the general public, who have no idea the risk they are taking by innocently being somewhere.
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Old 23.05.2018, 18:24
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Re: Liability insurance for drone more than 500g

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I believe it is illegal to fly over the general public, who have no idea the risk they are taking by innocently being somewhere.
No need to believe, it was in the linked article:

<<Ohne Bewilligung ist es den Besitzern von Drohnen ab sofort nicht mehr gestattet, eine Drohne, die ein Gewicht von 500 Gramm übersteigt, im Freien über Ansammlungen von Menschen fliegen zu lassen. Dabei ist es ganz egal, ob es sich um einen hoch frequentierten Innenstadtbereich oder um eine offiziell angemeldete Großveranstaltung handelt. Wer seinen Multicopter zu besonderen Einsätzen in derartigen Settings fliegen lassen möchte, muss einen Antrag stellen und besondere Auflagen erfüllen (Artikel 17, Absatz 2 VLK). Auch der Abschluss einer Haftpflicht-Versicherung der Drohne muss nachgewiesen werden>>
In short: Without an authorisation it is no longer allwoed to fly drones heavier than 500 g outdoor above a crowd of people. Any crowd of people. For any such flight an application must be made and special requirements fulfilled. Also liability insurance for the drone must be proven.

They even added a special article in the law, "Verordnung des UVEK über Luftfahrzeuge".

There is a lot to find in the net about this - but I guess one needs to speak at least one of the languages of this country
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Old 24.05.2018, 10:18
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Re: Liability insurance for drone more than 500g

Due to recent potentially grave incidents the rules are going to be tightened.

Expect the introduction of a mandatory license that will require passing some test (different versions for hobby and professional pilots).

As of mid-April this year, the EU is working on regulating drones, EASA is drawing up a proposition. Most of those EU regulations will be binding for CH as well and incorporated into domestic law. This could happen as early as 2019.

See this NZZ article.
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Old 24.05.2018, 15:07
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Re: Liability insurance for drone more than 500g

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Liability insurance for drones are now a MUST (German) in Switzerland. Flying those heavier than 500g over people even need a permission, apparently.

Mobiliar mentions them separately including all the rules one has to follow when flying a drone. (does one fly drones? LOL). Up to 30kg, the insurance needs to cover at least 1 million SFr.

And you need to carry the document about being insured with you when ever you do fly the drone.
This just caused quite a discussion among the drone flyers in the office (really, that's two of us), since that page (which is a thinly-disguised advert) says that normal private liability insurance doesn't cover drone accidents (but doesn't specify whether that's for even sub-500g drones).

A bit of extra googling combined with a call to my friend's wife, who works in insurance, indicates that private liability insurance normally does cover you for sub-500g drone claims. You should, of course, verify this with your insurance company.

Speakeron's drone conveniently weighs 454 grams. What are the odds on that...?
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Old 24.05.2018, 15:45
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Re: Liability insurance for drone more than 500g

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This just caused quite a discussion among the drone flyers in the office (really, that's two of us), since that page (which is a thinly-disguised advert) says that normal private liability insurance doesn't cover drone accidents (but doesn't specify whether that's for even sub-500g drones).

A bit of extra googling combined with a call to my friend's wife, who works in insurance, indicates that private liability insurance normally does cover you for sub-500g drone claims. You should, of course, verify this with your insurance company.

Speakeron's drone conveniently weighs 454 grams. What are the odds on that...?
Sorry, I didn't mean to keep you two off work

I wrote:
<<Liability insurance for drones are now a MUST (German) in Switzerland.>> as liability insurance in general is not a must in Switzerland

So yes, your liability insurance usually includes it - mentioning it to the insurance does never hurt - and I thought that was clear.
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Old 24.05.2018, 15:51
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Re: Liability insurance for drone more than 500g

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.... weighs 454 grams. What are the odds on that...?[/I]
Depends. Do some research on how heavy a bird-shit is.

Let's say you fly accross a crowd of people, police tells you to bring it down and weighs it, it's covered in birdshit worth 47g ......
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Old 24.05.2018, 15:57
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Re: Liability insurance for drone more than 500g

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Depends. Do some research on how heavy a bird-shit is.

Let's say you fly accross a crowd of people, police tells you to bring it down and weighs it, it's covered in birdshit worth 47g ......
There's no way my precious, shiny drone is getting even a hint of shit on it... Anyway, the good Reverend Bayes has me covered on that one.
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