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Drone
Insurance

Obligations

The specific category: declaration, authorisation or LUC

As soon as one requirement of the open category is no longer met, the operation moves into the specific category. The insurance regime then changes in kind: the European regulation applies with no weight threshold at all, including for a 3-kilo aircraft.

As soon as a single requirement of the open category is no longer met, the operation moves over. Flying beyond 120 metres, beyond visual line of sight, over a gathering, dropping an object, spraying, going past 25 kilos: you are in the specific category.

The insurance regime changes in kind

The move is usually prepared on the operational side, with the risk assessment and the authorisation. The insurance policy, meanwhile, is often left as it stands.

In the open category, the insurance exemption exists under 900 grams for private use. In the specific category, article 17 of the Royal Decree refers to the European regulation without setting any weight threshold at all: every UAS operator carrying out operations in the specific category is insured in accordance with Regulation (EC) No 785/2004.

Take a 3-kilo aircraft. In the open category no European minimum is set against it. The same aircraft, in the specific category, falls under Regulation (EC) 785/2004. Nothing has changed in the machine; everything has changed in the policy.

In practice, the minimum cover rises to 0.75 million special drawing rights per accident, roughly 885,000 euros at the rate of 4 September 2026.

Three routes in

The declaration commits you to following a European standard scenario. There are only two. STS-01 covers flight within visual line of sight above a controlled ground area in a populated environment, with a class C5 aircraft. STS-02 covers flight beyond visual line of sight with observers, in a sparsely populated environment, with a class C6 aircraft. It is the quickest route, provided you have the right equipment.

The operational authorisation is issued by the Directorate-General for Air Transport after a specific operations risk assessment. It is the route for operations that fit no scenario.

The light UAS operator certificate, or LUC, is reserved for legal persons. It lets you authorise your own operations without going through the DGAT each time. It is an investment that pays off from a certain volume of activity.

What it costs at the administration

Tableau : What it costs at the administration
ActFee
Declaration for a standard scenario, and oversight150 EUR a year
Issue of an operational authorisation500 EUR
Oversight under authorisation, from the second year150 EUR a year
Amendment or extension of an authorisation150 EUR
Issue of a LUC1,500 EUR
Oversight of a LUC holder, from the second year750 EUR a year
Amendment of a LUC500 EUR
Registration of a certified aircraft100 EUR

Registering an operator in the open category, by contrast, remains free.

A deadline passed on 1 January 2026

It is the most important regulatory change of the year, and the quietest.

Article 23(4) of the European regulation provided that declarations based on national standard scenarios would cease to be valid on 1 January 2026. The Belgian national standard scenario has therefore had no effect since that date.

Operators working under that regime had to move to one of the three European routes. Many changed equipment for a C5 or C6 aircraft, or filed an application for authorisation.

A change of operational regime brings a change of risk. A policy taken out for an activity declared under the old scenario no longer describes what you actually do. The gap goes unnoticed until the day a claim has to be opened.

If this concerns you, have your policy read again. Checking is free and takes one message.

The certified category, for the record

It concerns carrying people, carrying dangerous goods presenting a high risk, and flying over gatherings. The aircraft is certified, the operator too, and the remote pilot is licensed. The regime comes close to that of manned aviation.

Today it concerns only a small number of operators in Belgium.

If you end up staying in the open category

If your operation stays within visual line of sight and below 120 metres, it is the open category that applies, with a different insurance regime, described in the insurance obligation.

A change of operational regime changes the risk insured: the comparison of covers shows what moves, and the professional page what gets priced.

Where you may fly

The Belgian geographical restrictions are published on the official zone map. This diagram gives the principle.

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.