Model Flying: Reliable Liability Insurance
The model aircraft liability insurance from nextsure provides comprehensive protection against personal injury and property damage that can occur from operating your aircraft model. Fly worry-free with our specialised coverage.
Legally required
High coverage amounts
Digital Tariffs
Why is model aircraft liability insurance indispensable?
Legal Obligation
Protection against high costs
Protection against Damage
Carefree Hobby
Legal Basis of Model Aircraft Liability Insurance in Germany
The EU Drone Regulation (Implementing Regulation (EU) 2019/947) supplements specific regulations for unmanned aircraft systems (UAS), including many model aircraft, which also require insurance depending on the operational category and risk. Violations of the insurance requirement can result in hefty fines and, in the event of damage, full personal liability. nextsure helps you understand the complex legal requirements and find the appropriate insurance coverage.
Tailored Protection
Our services for model aircraft enthusiasts
Damage coverage
Comprehensive protection for personal, property, and financial damage.
Large sums
High coverage amounts for maximum financial security.
Valid worldwide
Optional insurance cover for your aviation activities abroad.
All Models
Insurance for airplanes, helicopters, drones, and jets.
Digital Policy
Quick online completion and digital contract management.
Expert Advice
Expert advice from our insurance specialists.
Fair Contributions
Transparent prices and customised tariff options.
Kasko Option
Additional protection available for your own model aircraft.
Quick Help
Straightforward damage reporting and prompt settlement.
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Coverage: What does the insurance provide in the event of a claim?
The critical factor is the agreed coverage amount, which should be sufficiently high – nextsure recommends at least 3 million euros. Carefully review the insurance conditions: Are damages from private flight demonstrations, competition participations, or foreign deployments also covered? Some policies exclude gross negligence. Our experts at nextsure will provide you with comprehensive advice on the coverage details for optimal protection.
What types of flying models is the insurance suitable for?
The model aircraft liability insurance is designed for a wide range of flying models, including remote-controlled aircraft (RC planes), glider models, model helicopters, and multicopters such as quadcopters and other drones, provided they are primarily used for sports and recreational purposes. More powerful models like impeller jets or large-scale models also require this protection. Crucial factors often include take-off weight (MTOM), type of propulsion, and intended use. nextsure offers flexible solutions tailored to the specifics of your model, whether for indoor or outdoor flight, competition participation, or home-built projects.
Pricing: What factors influence the costs?
The cost of a model aircraft liability insurance (premium) depends on several factors: the chosen sum insured, the type and weight of the aircraft model (heavier/more powerful models can be more expensive), sometimes the pilot's experience and any previous damage. The coverage scope (e.g., worldwide coverage) and any possible deductible in the event of a claim also affect the premium. nextsure ensures transparent tariff design and helps you understand cost factors and find a suitable tariff.
The Importance of the Right Coverage Amount
Selecting the correct coverage amount is crucial, as it represents the maximum amount the insurance will cover in the event of a claim. Statutory minimum amounts (often around 1 million euros) are frequently insufficient for serious accidents involving personal injury or significant property damage, with costs that can quickly run into millions. nextsure strongly recommends coverage amounts of at least 3-5 million euros, ideally 10 million euros or more, to cover both personal injury and property damage comprehensively, thereby avoiding existential threats due to underinsurance.
Drones
Liability & Comprehensive
E-Bike Protection
Theft & Comprehensive
Cyber Protection
Safe Online
International validity: Covered for flying abroad?
Many model aircraft enthusiasts also pursue their hobby abroad. Standard policies often provide Europe-wide protection. For flights outside Europe, particularly in countries like the USA or Canada with different liability terms, an explicit extension of coverage is usually necessary and not always included. Check your policy's terms carefully for covered countries and exclusions. Additionally, acquaint yourself with local laws in your destination country. nextsure offers policies with optional worldwide coverage for worry-free flying when travelling.
Claim report: How should I act correctly in an emergency?
In the event of damage, safety is the highest priority: secure the accident site, provide first aid, and if necessary, call the police/rescue services. Document the damage in detail (photos, videos, notes on those involved/witnesses). Important: Do not admit fault. Report the damage to your insurance company without delay (usually within one week) – nextsure offers simple digital methods for this. Describe the sequence of events precisely. Our experts will support you throughout the entire process.
Additional services and optional modules for optimal protection
In addition to liability coverage, additional modules can optimise protection. A model aircraft hull insurance covers damage to one’s own model (crash, theft). There are special clauses for competition participants. An aviation legal protection insurance assists with legal disputes. Other options can include the insurance of transport damage or extended coverage for FPV systems. nextsure advises you on beneficial additions for your tailored protection.
Is liability insurance for model aircraft legally required?
nextsure is your modern, digital partner for specialised insurance solutions like model aircraft liability insurance. Benefit from our niche portfolio, expert advice, and digitalised completion processes. For model flyers, this means quick online information, tariff comparison, and straightforward completion. Our experts, with in-depth knowledge of aviation insurance, support you from tariff selection to claims handling. Experience transparent insurance tailored to your needs.
