What is Regulation (EC) No 785/2004 and Regulation (EU) No 285/2010?

Regulation (EC) No 785/2004 of the European Parliament and of the Council of 21 April 2004 is all about the minimum insurance requirements for air carriers and aircraft operators including Unmanned Aerial Vehicles (UAVs).

Commission Regulation (EU) No 285/2010 of 6 April 2010 amended Regulation (EC) No 785/2004 of the European Parliament and of the Council on insurance requirements for air carriers and aircraft operators.

What does the regulation do?

The regulation is there to establish minimum insurance levels for air carriers and aircraft operators.

There are four main areas to consider which are passengers, baggage, cargo and third-parties.


What insurance do I need to meet the regulation?

The minimum levels of insurance cover required is dependent upon the number of passengers carried and, in relation to third party cover, the MTOM (Maximum Take Off Mass) of the aircraft concerned.

Going back to the four main focused areas of insurance we mentioned earlier some of these may not be applicable to unmanned aircraft operators, specifically coverage for passengers and baggage.

As we are focused on meeting the risks for UAV insurance the only applicable coverages to meet the regulation is for third party liability and cargo liability.

There is also a requirement for cover to be extended for insurance against war and terrorism (generally known as war risk cover).

Currently there are only a few specialist operators that are cargo carriers so the main cover most people are after is third party liability for bodily injury, property damage which extends risks associated with aviation specific liability (including acts of war, terrorism, hijacking, acts of sabotage, unlawful seizure of aircraft and civil commotion).


What Are The Minimum Levels of Insurance Cover?

The minimum levels are based upon the MTOM of you drone.

Cargo Liability – The minimum insurance cover is 19 SDRs per kilogram of cargo in commercial operations.

Third Party Laiability Insurance – The Regulation identifies 10 categories of aircraft dependent upon MTOM.

For liability in respect of third parties, the minimum insurance cover per accident and per aircraft must be:

War Risk – War Risk insurance is required for all aircraft and is set at the same levels as those set for Third Party insurance.

As identified earlier, the minimum insurance requirements are based on the Maximum Take-off Mass (MTOM) in Kilograms of your drone and can be seen below.

Category MTOM (kg) Minimum insurance (million SDRs)
1 <500 0,75
2 <1000 1,5
3 <2700 3
4 <6000 7
5 <12000 18
6 <25000 80
7 <50000 150
8 <200000 300
9 <500000 500 10 >500000 700


What are Special Drawing Rights (SDR)?

Special drawing rights (SDR) refer to an international type of monetary reserve currency created by the International Monetary Fund (IMF) in 1969 that operates as a supplement to the existing reserves of member countries.

Most UAVs would fit under category 1 equating to a minimum insurance requirement of 750,000 SDR.
Below you can see the current GBP equivalent for 750,000 SDR. *Please note the conversion provided by

We can provide you quotes with minimum liability amounts starting from £1,000,000. Visit our online quote and buy system to get an instant drone insurance quote.

If you have any further questions you may be able to find them on the CAA Insurance FAQ . Alternatively give us a call or a message to and we will be happy to help.

Other useful links and references

EU law 785/2004

EU law 285/2010

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