Mandatory Third-Party Insurance

In plain language

You must have third-party liability insurance before flying any drone, unless you are flying strictly for fun/recreation and your drone weighs less than 20 kg.

Requirement as structured

UAS operators must obtain the necessary third-party liability insurance before commencing any operation, except for recreational operations using aircraft with an MTOM of less than 20 kg.

Original regulatory text

Reg (EC) 785/2004 Article 2 (b) exempts “model aircraft with an MTOM of less than 20 kg”. Model aircraft can be taken to mean UAS intended for sport or recreational use only. All other UAS operations fall under the scope of the regulations and operators should obtain the necessary insurance before commencing any operation.