The Atlantic Union is always at the center of technological developments. The modern character is demonstrated by the innovative and flexible programs of insurance. One of these is the insurance of drones, small unmanned helicopter [unmanned aircraft - SmiEA].

• They started from the US for military purposes, but their use is growing at a very fast pace [according to US sources, their use only in the United States increased by 150 times, during the last decade]
• Used for humanitarian purposes in food, medical supplies, drugs and biological materials or for medical examinations through inaccessible areas, for faster internet, security detection sites or search parking, entertainment etc. Already giants like Amazon and Google have expressed an interest
• In Greece the use of the terms employed [videotaping events] or private [entertainment]
• The liability insurance contracts covering damages to third parties that will probably be required to compensate the operator of the drone by misguided handling
• The insured funds meet the requirements of the Civil Aviation Authority [CAA] for compulsory insurance of owners / operators of unmanned aircraft SmiEA 

Liability Insurance Drones

Based on the no. D / CAA / 21860/1422 judgment of the Civil Aviation Authority [CAA], published in Nos. 3152 / Issue B / 30.09.2016 Gazette on ' Regulations - general framework flight Systems unmanned aircraft - SmiEA (unmanned Aircrat Systems - UAS) », defined as mandatory insurance of owners / operators of unmanned SmiEA aircraft (drones) for damages that could cause to third according to the following coverage limits:

§   For property damage to third parties € 150.000

§   for injury to third parties up to € 1.000.000

 

BRIEF DESCRIPTION OF THE DECISION D / CAA / 21860/1422

Under  the new Regulation, the SmiEA (drones) are divided into three categories:

1.        Open category SmiEA  ( UAS Open Category )

Category SmiEA whose operation is carried out by direct visual contact of the operator of small unmanned aircraft with a maximum aircraft take-off mass below 25 kg within a safe distance from persons on the ground.

The operator has direct visual contact with the SmiEA and the flight is conducted at less than 500 meters from the operator. The largest allowable flight altitude is 400 feet and the flights in that category are prohibited above concentrations persons unless they have professional licensed and meet certain safety standards. The open class SmiEa divided into three subcategories under Gov. special terms and conditions by subcategory as follows:

CAT AO (MTOM <1KG

CAT A1 (MTOM = /> 1 KG -

CAT A2 (MTOM = /> 4KG -

2.        Special category SmiEA ( UAS Specific Category ). Category SmiEA whose operation is likely to pose significant risks for persons over whose running.

Required operating license, which is granted if the party concerned provides security risk assessment plan and operations manual. In case of commercial use is required and the registration SmiEA in a special register and obtaining a special license through fee payment.

3.        Certified  category SmiEA ( UAS Certified Category ). Category SmiEA whose operation is conducted with requirements similar to those applicable to manned aircraft, ie with previous obtaining permits and airworthiness certificates.

Requiring the registration of SmiEA in a special register of the CAA and the issue of airworthiness certificate (airworthiness). The operator of this category should have special training, content and examinations which will be determined by a decision of the CAA commander.

insurance liability to third parties are:

A1) the operator / owner / operator SmiEA open category in periptosiidiotikis use SmiEA if it belongs to the sub-category  CAT  A2  of the open category SmiEA i.e. having maximum aircraft take-off mass (MTOM) of 4 - 25 kg.

A2) the operator / owner / operator SmiEA open category in periptosiepangelmatikis use irrespective in what sub belongs SmiEA and regardless of the maximum aircraft take-off mass (MTOM) of SmiEA ( drone ).

B) The operator / Owner / Operator SmiEA the special category in case of use of SmiEA either amateur or professional.

C) The operator / Owner / Operator SmiEA the certified class when using the SmiEA either amateur or professional.

 

Non compulsory insurance against third parties are:

The operator / owner / operator SmiEA open category, if the only use for private use only if SmiEA has maximum aircraft take-off mass of less than 4 kg.

 

FIGURE I - obligatory insurance

coverages:

Covered by 1 ^st / 1/2017 civil liability of the policyholder for personal injury and / or property damage that may be been caused to third parties for reasons of his from the operation and use of SmiEA ( DRONE ) according to the new rules of Civil Service Air for unmanned aircraft systems - SmiEA (no. D / CAA / 21860/1422 30.09.2016) Nos. Gazette 3152 / Issue B / 30.09.2016).

The coverage is given only SmiEA ( drones ) with a maximum aircraft take-off weight to 25 pounds.

Policyholder:

The operator / Owner / Operator SmiEA ( drone ) private or professional

Risk Address:

Various locations in Greece                                                                                                                             

Coverage limits foreseen by the new legislation / per  Drone :

 

Security elements:

• SmiEA Category:
  • Open class SmiEA ( UAS Open Category ) / Subcategory:
  • □  CAT A0            □  CAT A1            □  CAT A2
  • □  Special category SmiEA ( UAS Specific Category )
  • □  Certified category SmiEA ( UAS Certified Category )
• USE:     □ Private                     □ Professional  
• TYPE
• BRAND
• NUMBER rotor
• WEIGHT (
• COLOUR
• YEAR OF CONSTRUCTION
• MATERIAL
• ENGINES
• energy source
• S / N  (frame number)
• VALUE (presentation of invoice copy or proof)
• Maximum mass APOGEIOSIS ( MTOM )
• CERTIFICATE OF REGISTRATION IN SPECIAL REGISTER OR NIOLOIGISIS (WHERE REQUIRED)
• Specific authorization (approval) by the CAA (where applicable)

premiums:

Exemption per claim € 3.000 :

0. For SmiEA the Open category, annual total premiums amounted to € 390 / SmiEA ( drone )
0. For SmiEA Special category, annual total premiums amounted to € 490 / SmiEA ( drone )
0. For SmiEA of Certified category, annual total premiums amounted to € 590 / SmiEA ( drone )

The above prices include all legal charges

Exemption per claim € 6.000 :

0. For SmiEA the Open category, annual total premiums amounted to € 330 / SmiEA ( drone )
0. For SmiEA Special category, annual total premiums amounted to € 430 / SmiEA ( drone )
0. For SmiEA of Certified category, annual total premiums amounted to € 530 / SmiEA ( drone )

The above prices include all legal charges

conditions:

• Coverage is for professional use with a view to taking aerial, internal or external filming etc. or for private use (personal entertainment)
• In any case you need separate insurance for each SmiEA ( drone )
• Using SmiEA ( drones ) do not exceed the specifications (eg height, weather conditions, etc., protection measures)
• The compliance of the operator / owner / operator as defined in new regulation (no. D / CAA / 21860/1422 30.09.2016) Nos. Gazette 3152 / Issue B / 30.09.2016)
• The validity of the contract covers the entire Greek territory

Exceptions:

Excluded from coverage :

§   Fees, costs or expenses such attorneys' fees, legal expenses of the policyholder

§   The coverage does not include loss of profits or consequential damage

§   Damages caused directly or indirectly on farmland, forests or archaeological findings

§   Losses in the same  drone  and the supplementary equipment

§   Losses exceeded the specifications and licenses  drone

§   Damage constitute a criminal offense

§   Losses occur in violation of the Rules (no. D / CAA / 21860/1422 30.09.2016) Nos. Gazette 3152 / Issue B / 09.30.2016)

 

FIGURE II - voluntary insurance

Concerns SmiEA ( drones ) used only for a private, namely: drones maximum aircraft take-off weight under 4 kg belonging to open category namely categorized in:

CAT A0 "Mini unmanned aircraft" maximum aircraft take-off mass (MTOM) of less than one kilogram (<1kg)

Depending on equipment level, the operators of the SmiEA A0 "Open" category:

a. limiting their flight up to 50 meters. above the ground, a local flight, or

b. alternatively having the technical capability to automatically define their flight height and path to the 400-foot threshold (FT)

A1 CAT : «Very Small unmanned aircraft" maximum aircraft take-off mass (MTOM) of a pound (= /> 1 kg) to four pounds (

 

Coverage limits per  Drone :

 

Security elements:

 

premiums:

• For SmiEA value ( drone ) to € 1.000

The total annual premium is EUR € 80 per SmiEA ( drone )

The figure includes all legal charges

• For SmiEA value ( drone ) from € 1.000 to € 3.000

The total annual premium is EUR € 140 per SmiEA ( drone )

The figure includes all legal charges

• For SmiEA value ( drone ) of € 3.000 or more

The total annual premium is EUR € 190 per SmiEA ( drone )

The figure includes all legal charges

conditions:

• Coverage is for private use (personal entertainment)
• In any case you need separate insurance for each SmiEA ( drone )
• Using SmiEA ( drones ) do not exceed the specifications (eg height, weather conditions, etc., protection measures)
• The compliance of the operator / owner / operator as defined in new regulation (no. D / CAA / 21860/1422 30.09.2016) Nos. Gazette 3152 / Issue B / 30.09.2016)
• The validity of the contract covers the entire Greek territory

 

Exceptions:

Excluded from coverage :

• Fees, costs or expenses such attorneys' fees, legal expenses of the policyholder
• The coverage does not include loss of profits or consequential damage
• Damage caused directly or indirectly on farmland, forests or archaeological findings
• Losses in the same  drone  and complementary equipment
• Damage from exceeding the specifications and licenses  drone
• Damage constitutes a criminal offense
• Losses occur in violation of the Rules (no. D / CAA / 21860/1422 30.09.2016) Nos. Gazette 3152 / Issue B / 09.30.2016).

Today, the Atlantic Union is the company that provides the insurance policy in GREECE these very low prices.

For more information, please contact :

• In charge of Liability Division, by phone at 210 74 54 061 & 063, and
• In the Customer Service Department on 210 74 54 200