Skip to content
Drone
Insurance

Drone insurance broker · Belgium

Drone insurance in Belgium: is your aircraft really covered?

Three questions, and you know which obligations apply to you and what your current policy lets through. We place drone insurance with Belgian insurers, for professional operators and for people who fly for pleasure.

Broker
FSMA 0733 945 352
Insurers approached
6
Quote
within 48 working hours

Diagnosis

1 / 3

1 You fly
2 How you fly
3 Your aircraft weighs

3 questions · 20 seconds · no commitment

The point everyone misses

“Required whatever the weight” has been wrong since 2023

An exemption exists, and it takes two conditions at once: use that is strictly private and a maximum take-off mass under 900 grams. The moment a flight serves a business, drone insurance becomes compulsory, including for an aircraft that fits in your coat pocket.

Registration threshold

250 g

or less, if the aircraft carries a camera

Insurance threshold

900 g

and only for strictly private use

The two thresholds answer different questions and do not coincide. Read what the obligation actually rests on .

Where you may fly

The zone sets your category, and so your contract

Flying beyond visual line of sight, climbing above 120 metres or passing over people moves your operation into the specific category. That puts you under the European regulation, which knows no weight threshold. A policy drawn up for the open category then no longer describes what you do.

Flight restrictions for a drone in Belgium, schematic Schematic section. An altitude scale on the left is graduated at 0, 30, 60 and 120 metres above ground. A dashed ceiling marks the 120-metre limit. On the ground, from left to right: a built-up area shown as buildings, a prohibited zone shown as a hatched band rising past the ceiling, and an aerodrome whose protection zone is outlined in dashes. A drone is shown flying below the ceiling. Flight restrictions, schematic 0 m 30 m 60 m 120 m height above ground ceiling 120 m AGL Built-up area Open category A1 and A2 only. A3 requires 150 m clearance. Prohibited zone Forbidden at any height. Aerodrome Protection zone, approval needed and coordination with air traffic control. Schematic drawn for this website, of no operational value. Check the actual zones before every flight on the skeyes map. Flight restrictions for a drone in Belgium, schematic A simplified section shows the 120-metre ceiling above ground, a drone in flight and some buildings. Below it, three lines describe the restrictions: built-up area, aerodrome and prohibited zone. Flight restrictions 0 m 60 m 120 m ceiling 120 m AGL Built-up area Open category A1 and A2 only. A3 requires 150 m clearance. Aerodrome Protection zone, approval needed and coordination with air traffic control. Prohibited zone Forbidden at any height, no exception. Ceiling 120 m above ground, terrain included. Illustrative only. Check zones before flying.

Cases from practice

What actually happens, and what the contract does about it

Drone insurance can only be judged once there is damage. Below are three real situations and their outcome, including one that almost no Belgian contract covers.

A rotor injures a bystander

During start-up someone steps in too close. The injuries to their hand keep them off work. Aviation third-party liability takes on the personal injury, up to the sum insured.

Aviation third-party liability

The aircraft disappears out of range

Link lost above woodland. The wreck is never recovered. Policies treat this case strictly: with no damage anyone can establish, they call it mere disappearance, and they exclude it.

Hull, subject to conditions

A sensor breaks on landing

A thermal camera slung under a 4-kilo aircraft does not survive a botched landing. Such a camera often costs more than the drone itself, and it is only paid for if it is named in the policy.

Payload and accessories

See the six covers and their exclusions

Definition

What drone insurance covers

In Belgium, drone insurance rests on one compulsory cover and three optional ones. Aviation third-party liability pays for what your aircraft damages in other people's hands, injuries included. It is the only one Belgian law imposes, and the only one without which you cannot register as an operator.

The rest protects your equipment and your business: hull for damage to the drone itself, payload for the camera and the sensors, legal expenses for a dispute with a client or a penalty you want to challenge. None of the three is required, and each earns its place through what you carry and where you fly.

What no Belgian contract covers: the mere disappearance of an aircraft never recovered, dropping objects, spraying, and fully autonomous flight. The comparison covers the six risks and their exclusions .

Two situations

Drone insurance is put together differently depending on the use

Professional operator You fly for your business Insurance is compulsory whatever the aircraft weighs, even for a one-off flight. Six factors move the premium, among them your operational category and the value of your equipment. Surveying, inspection, roof surveys, real estate, agriculture, film and television Recreational pilot You fly for pleasure Under 900 grams and for strictly private use, the law asks nothing of you. The real question remains: does your household policy cover your aircraft, and up to what weight? A look at your policy, with no commitment

Figures worth keeping

The five thresholds that set your obligations

They get mixed up constantly, including on specialist websites, and sometimes within a single page. Yet each threshold answers a different question, and confusing registration with insurance is the mistake we meet most often.

The five mass thresholds that set the obligations of a drone operator in Belgium, with what each threshold triggers and the text that lays it down.
Threshold What it triggers Worth keeping in mind
250 g Registration Required above it, and from the very first gram if the aircraft carries a camera or a sensor. That catches nearly every recreational drone sold under 250 grams.
900 g Insurance Below it, and for strictly private use, insurance is not imposed. Both conditions must hold together: one professional flight and the obligation is back.
4 kg Subcategory A2 Upper limit of class C2, the only class allowed to fly close to people, at 30 metres, or at 5 metres in low-speed mode.
20 kg European regime Above it, the minimum cover set by Regulation (EC) 785/2004 applies even in the open category, roughly 885,000 euros.
25 kg End of the open category Above it the operation moves to the specific category, with an authorisation or a standard scenario, and to the European regime, which has no weight threshold at all.

Royal Decree of 8 November 2020, articles 12 and 17. Regulations (EU) 2019/945 and 2019/947. Regulation (EC) 785/2004. Checked on 8 September 2026.

How we work

A broker, not an agent

An agent represents one insurer and brings in its contracts. We represent you and set the insurers against one another. On a market as narrow as drone insurance, where six Belgian insurers accept the risk, you see that difference straight away.

  1. 01

    You describe your operation

    Eighteen questions, not one of them about your serial number or your flight hours. Only what actually moves the premium.

  2. 02

    We put it to six insurers

    We find out which ones accept your profile, and we also tell you which ones decline it, and why.

  3. 03

    You get a costed quote

    Within 48 working hours, with the cover and the exclusions written out. We then call you to fill in what the form did not ask.

We are paid by commission from the insurers, like every Belgian broker. We charge you no fee. What broker status changes for you .

Our partner insurers

  • AG Insurance
  • Allianz
  • Baloise
  • Vivium
  • ARAG
  • DAS

On to your quote

We put your drone insurance to six insurers and come back with a costed quote, not a brochure. The form takes you two minutes.

Request a quote