Drone insurance in Poland

What the rules say

Each line is resolved from published facts of Poland. "Not resolved" means the corpus does not answer it in a machine-checkable way — never that the law is silent.

• Insurance requiredConditional
• ScopeConditional
• Weight threshold20 kgConditional
• Commercial triggerNot resolved
• Minimum cover0.75 million SDRConditional
• ExceptionsNo
• Proof requiredNot resolved

What changes the answer

The published rules distinguish the certified, open and specific categories of operation.

• other

  Insurance cover at or above 0.75 million SDR

• weight threshold

  Take-off mass below 20 kg

The rules behind this answer

• Binding lawNational rule

  Aeromodelling club operational authorization application requirements

  An application by an aeromodelling club or association for an operational authorization must include the club's details, its UAS operator registration number, and operational details, and must be accompanied by organizational documents, safety procedures, proof of third-party liability insurance, and an operational risk assessment.

  Open the requirementOfficial source
• Binding lawNational rule

  Exclusions from mandatory drone liability insurance coverage

  Mandatory third-party liability insurance for drone operators does not cover damages resulting from operations without valid permits, contractual penalties, war/terrorism, operations violating aviation laws, nuclear incidents, or environmental pollution.

  Open the requirementOfficial source
• Binding lawNational rule

  Insurance Exclusion for Illegal Operations

  Mandatory third-party liability insurance does not cover damages resulting from drone operations conducted in violation of national, EU, or international aviation regulations.

  Open the requirementOfficial source
• Binding lawNational rule

  Mandatory third-party liability insurance for drones between 0.25 kg and 20 kg

  Operators of unmanned aircraft systems with a take-off mass from 0.25 kg to 20 kg must hold third-party liability (OC) insurance covering damages arising from drone operations.

  Open the requirementOfficial source
• Binding lawNational rule

  Mandatory Third-Party Liability Insurance for UAS Operators

  Operators of unmanned aircraft systems with a take-off mass between 0.25 kg and 20 kg must hold third-party liability insurance (OC) covering damages caused during operations.

  Open the requirementOfficial source
• Binding lawNational rule

  Minimum Guarantee Amount for Drone Insurance

  The minimum guarantee amount of the third-party liability (OC) insurance, for an insurance period of no more than 12 months and in respect of a single event, must be the Polish Zloty equivalent of 50,000 SDR.

  Open the requirementOfficial source
• Binding lawNational rule

  Minimum Guarantee Amount for Third-Party Liability Insurance

  The minimum guarantee amount for third-party liability (OC) insurance for a period of up to 12 months per single event must be the Polish Zloty (PLN) equivalent of 50,000 SDR, calculated using the first average SDR exchange rate published by the National Bank of Poland (NBP) in the year the insurance contract is concluded.

  Open the requirementOfficial source
• Binding lawNational rule

  Required attachments for aeromodelling club authorization applications

  An application for an aeromodelling club operational authorization must be accompanied by copies of the organizational structure, internal procedures and management system, proof of third-party liability insurance, and an operational risk assessment.

  Open the requirementOfficial source

Official sources

• Ustawa — Prawo lotnicze (Dz.U. 2025 poz. 1431, tekst jednolity) — Art. 209un — kary pieniężne za naruszenia przepisów o systemach BSP — Ministerstwo Infrastruktury (Ministry of Infrastructure)Open
• Rozporządzenie Ministra Finansów i Gospodarki z 24.10.2025 r. w sprawie obowiązkowego ubezpieczenia OC operatora systemu BSP (Dz.U. 2025 poz. 1485) — Ministerstwo Infrastruktury (Ministry of Infrastructure)Open

Known limitations

• 2 dimension(s) of this topic are not expressed in a machine-resolvable way by the published corpus and are reported UNKNOWN, never FALSE.

Other drone rules in Poland

• Do I need to register my drone in Poland?Registration in Poland is governed by a published mass threshold of 0.25 kg, alongside the further conditions cited below. Whether it applies to a given flight depends on those conditions, each cited to its rule.
• Do I need Remote ID in Poland?Remote identification in Poland is framed by a published mass threshold of 25 kg, together with the aircraft and operation conditions cited below. Whether a given flight must carry or broadcast an electronic identity depends on those conditions.
• What is the maximum drone altitude in Poland?Drone flights in Poland are held to a published general height limit of 120 m above_nearest_obstacle. The limit is not absolute: the published conditions that change it are cited below.
• Can I fly a drone near an airport in Poland?Drone flights near aerodromes in Poland are governed by airspace and aerodrome restrictions: whether permission is needed depends on the airspace, distance or aerodrome type published below.
• When does a drone operation need authorisation in Poland?Whether an operation in Poland needs prior authorisation depends on the operational category, risk class or location: the published triggers below decide it.
• What training do I need to fly a drone in Poland?Remote pilot competency in Poland scales with the operation: which training, examination or proof of competency applies is set by the published conditions below.

All drone laws in Poland