EASA subject
Insurance
Civil liability and UAS insurance
The exam tests when insurance is mandatory, who is covered, and what civil liability includes — not hull cover.
Key concepts
- 20 kg threshold
- In the open category, UAS over 20 kg MTOM must carry third-party civil liability insurance.
- Operator vs pilot
- The insurance policy is held by the UAS operator, not the remote pilot personally.
- Civil liability vs hull cover
- Civil liability covers damage to third parties; hull/all-risks cover repairs to the UAS itself.
Common mistakes
- Confusing insurance with life or home insurance
- Assuming all UAS require insurance regardless of mass
Exam traps
- 20 kg threshold
- 4 kg UAS — national requirements may differ
- Regulation (EU) 2019/947
Real-world example
A UAS strikes a car — civil liability covers the vehicle repair, not the drone's propellers.