How Much Does Recreational Drone Insurance Cost in 2025?

If you’re flying drones for fun rather than work, you might be wondering whether drone insurance is worth it – and if so, how much it costs. Recreational drone insurance is designed for one thing – to give you peace of mind while you’re enjoying your hobby. In this guide, we’ll walk you through what you can expect to pay, what influences the cost, and how to find the right cover without overpaying.

What Is Recreational Drone Insurance?

Recreational drone insurance is for people who fly drones as a hobby. Accidents can happen even to the most careful and experienced of pilots. Insurance gives you protection if your drone injures someone or damages property. Some policies also include equipment cover in case your drone is lost, stolen, or damaged.

Coverdrone’s recreational policies are built with this in mind, offering both public liability and optional equipment cover, even for newer pilots. We also cover loss, theft, and flyaways, as well as cover for drones when they are in storage or transit.

How Much Does It Cost?

For most hobbyists, recreational drone insurance is very affordable. If you add equipment cover you should expect to pay a little more, depending on the value of your drone and equipment.

You can get protected with Coverdrone from just €17,13 per year or €1,66 per month*

You can also tailor your cover to suit how often you fly, so you pay just for what you need.

What Affects the Price?

A few factors can influence how much you pay:

• Drone value: Higher-value drones can cost more to insure.
• Level of cover: Including ground equipment cover or increasing your liability limit will increase your premium.
• Policy duration: If you are flying regularly, annual cover can often work out cheaper than buying short-term policies multiple times.

At Coverdrone, we offer policies from one day to one year, which makes it easy to adjust your policy if your flying habits change.

Do You Really Need Insurance to Fly for Fun?

Legally, no, but practically, yes. If your drone crashes into a person, building, or car (which can happen to anyone from new to the most experienced operators), you could be held responsible for any damage or injury. Without insurance, that cost will come out of your own pocket, which could become very costly.

Some parks, events, or flying clubs may also ask for proof of insurance before allowing you to fly. Having a policy in place can help you avoid disappointment and ensure you’re protected every time you take off.

One of the benefits of cover with Coverdrone includes instant online access to your policy documents, which you can download or show on your phone whenever you need to – no need to carry printed documents with you all the time.

Tips for Getting the Best Value for Money

• Consider an annual or rolling monthly policy: If you fly more than a few times a year, annual or rolling monthly cover can provide better value than daily cover, and you only pay for what you need.

• Get insured with a specialist provider: General insurers are unlikely to understand drone risks, resulting in a policy that doesn’t fit your needs. A specialist like Coverdrone will offer more relevant support, and make sure that you are only paying for what you need.

• Keep your details up to date: Making sure your policy reflects your current drone, flying frequency, and equipment value can prevent overpaying or gaps in cover.

• Take advantage of flexible policies: Coverdrone lets you change or update your cover at any time, so you’re not locked into a policy you may no longer need.

Common Questions About Recreational Drone Insurance

I don’t fly regularly – can I get insurance just for a day?

Yes. Coverdrone offers daily cover options if you need it for one-off flights (such as training or test flights).

Does it cover accidental crashes?

Yes – if you have chosen airborne equipment cover, accidental crashes are included.

Get a Quote for Recreational Drone Insurance

It only takes a minute to get a quote with Coverdrone.

Whether you’re flying a compact drone for fun or experimenting with cinematic footage, having the right insurance means you can relax and enjoy the experience with peace of mind. Coverdrone offers flexible policies, fast document access, and specialist support, helping you to fly with confidence.