Drohnen Versicherung

What Drohnen Versicherung does

Drohnen Versicherung operates the consumer-facing brand versichertedrohne.de, an online insurance brokerage platform run by vD versicherDich GmbH, a privately-held German Versicherungsmakler (independent insurance broker) founded in 2001 and headquartered in Cologne. The company has specialized exclusively in drone insurance since 2015, distributing and comparing third-party drone liability (Halterhaftpflicht) and casco/hull (Kasko) policies from a multi-carrier panel that includes GVO (whose proprietary 'vD-Tarif' underwritten exclusively through versichertedrohne.de is the house brand), HDI, R+V, NV, Alte Leipziger (administered by Degenia), KRAVAG, and Zurich. Broker commissions paid by these carriers constitute the revenue model, with no proprietary underwriting or risk-bearing activity.

The product portfolio is organized into private and commercial liability tiers (private from €29.75–€178.99/year; commercial from €97.99–€377/year), commercial casco lines (from €178.50/year with sums up to €100,000), and specialized add-on modules for BOS (authorities and emergency services), agricultural spray flights (AGRAR), drone rental businesses (VERMIETUNG), and wildlife/fawn rescue (Rehkitzrettung). Coverage typically ranges from €1 million to €10 million in sum insured, spans EU-wide to worldwide (excluding USA and Canada), and is delivered through self-service online purchase with optional phone/email broker advisory support. The platform is built on standard SaaS infrastructure (Webflow for hosting, MailChimp for email, Zendesk for live chat) with no proprietary AI or risk-scoring technology.

The company serves seven distinct customer segments — private drone pilots, commercial drone operators (primary segment), BOS authorities, agricultural operators, drone rental businesses, wildlife rescue organizations, and educational institutions — primarily in Germany with secondary coverage in Austria. Distribution is anchored by an exclusive insurance partnership with the Bundesverband Copter Piloten e.V. (BVCP), Germany's leading drone pilots association. The single executive disclosed is Martin Krippner as Geschäftsführer (Managing Director); the company operates independently with no disclosed parent, private equity, or venture capital ownership and no disclosed funding rounds, M&A activity, or financial figures.

Name

Drohnen Versicherung

Legal name

vD versicherDich GmbH

Website

https://versichertedrohne.de

Company type

Private

Founded year

2001

Operating status

Operating

Short description

versichertedrohne.de is an independent German insurance broker (vD versicherDich GmbH) that distributes and compares drone liability and hull policies from seven carriers, serving private pilots, commercial operators, and specialized segments including BOS, agriculture, and drone rental in Germany and Austria.

Ownership category

akta.pro rank

Product category

Specialty Insurance (Drone Liability and Hull)

NAICS

Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Private Aviation Insurance & Financing/Leasing Services (THABAFAM)

akta.pro secondary industries

Aviation Liability Insurance (Passenger & Third-Party) (FSAJAHAD), Aviation Hull Insurance (FSAJAHAC)

Keywords

• Drone liability insurance
• Aviation liability coverage
• Drone casco insurance
• Insurance broker services
• Commercial drone coverage

Headquarters

HQ city

Köln

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Broker Commission: As a licensed insurance broker (Versicherungsmakler) under §34d GewO, the company earns commissions from insurance carriers (GVO, HDI, R+V, NV, Alte Leipziger/Degenia, KRAVAG, Zurich) on policies sold. Compensation is either included in the insurance premium or separately agreed with the customer.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Versichertedrohne.de is an independent German insurance broker that distributes and compares drone liability (Halterhaftpflicht) and hull/casco insurance policies from multiple partner carriers (GVO, HDI, R+V, NV, Alte Leipziger, KRAVAG, Zurich) for private hobby pilots and commercial drone operators. The offering is organized around specialized add-on modules for BOS (authorities), agricultural spray flights, drone rental, and wildlife rescue, with coverage sums ranging from 1.5 to 50 million EUR across Europe or worldwide (excluding USA and Canada).

Product overview

Versichertedrohne.de is an independent insurance broker (Versicherungsmakler) operated by vD versicherDich GmbH, a brand specializing in drone insurance since 2015. The company does not manufacture its own insurance product — it distributes and compares policies from multiple partner insurers (GVO Versicherung, HDI, R+V, Alte Leipziger, NV, Degenia). Its core product portfolio centers on drone liability insurance (Halterhaftpflicht) in private and commercial variants, supplemented by hull/damage insurance (Kasko). The offering is organized as a platform with specialized add-on modules (BOS, AGRAR, Rehkitzrettung, Vermietung) and dedicated products for Austria and self-built drones. The proprietary vD-Tarif, underwritten by GVO, is positioned as the house brand, while partner products from HDI, R+V, NV, and Alte Leipziger are offered alongside for comparison. Coverage categories span EU-wide to worldwide (excluding USA and Canada), with maximum insured takeoff weight of 25kg across all products.

Differentiator

Problem solved

Functional benefit

Products and services

• Drohnen Haftpflicht Privat (Private Drone Holder Liability) Mandatory liability insurance for private drone owners (Halterhaftpflicht) starting at €49.99/year including insurance tax. Includes insurance certificate per §106 LuftVZO, coverage for film and photo flights for private purposes, and European-wide coverage with optional worldwide extension (excluding USA and Canada). Coverage sums range from €1.5 million to €10 million across available carriers (GVO, HDI, R+V, NV, Alte Leipziger). For private hobby pilots, FPV racers, and aerial photographers.
• Drohnen Haftpflicht Gewerblich (Commercial Drone Holder Liability) Mandatory commercial liability insurance for professional drone operators starting at €97.99/year plus 19% insurance tax. Includes private tariff features, plus coverage for autonomous flying (where permitted), flight permits, film and photo flights for commercial purposes, with optional BOS and agricultural spray-flight coverage. Coverage sums from €3 million to €10 million with no deductible on standard tariffs. Multi-carrier distribution. For commercial aerial photography, surveying, inspection, and film production businesses.
• Drohnen Kasko Privat (Private Drone Hull Insurance) Private drone hull/damage insurance covering theft, flyaway losses, and damage from operator errors or accidents. Available through NV from €105.91/year (with €150 deductible, coverage up to €10,000) and HDI commercial offering. Maximum takeoff weight 25kg. Covers collision, theft, and operator error for hobby pilots seeking equipment protection.
• Gewerbliche Drohnen Kaskoversicherung (Commercial Drone Hull Insurance) Commercial drone hull insurance distributed through HDI (from €178.50/year, up to €100,000 coverage), Zurich (up to €100,000 with 10% deductible minimum €250), KRAVAG (up to €10,000 with 15% deductible minimum €150), and NV (up to €10,000 with €150 deductible). Covers collision, theft, operator error, transport damage worldwide excluding Ukraine, Russia, and Belarus. Includes controller, camera, accessories, and theft from vehicles.
• BOS-Haftpflicht (Authority/Emergency Services Add-on) Specialist liability add-on for BOS (Behörden und Organisationen mit Sicherheitsaufgaben) — police, fire brigade, rescue services. Available through GVO (START €384.36, OPTIMAL €504.56, PRO €984.13), HDI (from €321.30/year), and Alte Leipziger (from €416.50/year). Covers night flights, BVLOS, flights over crowds, multi-pilot operations. Coverage sums from €1 million to €10 million. Europe-wide.
• AGRAR-Haftpflicht (Agricultural Drone Liability Add-on) Agricultural spray-flight liability add-on covering drone-based application of liquid fertilizers, pesticides, and seed dispersal. Offered through GVO with START (€277.26/year, 3 million EUR), OPTIMAL (€397.46/year, 5 million EUR), and PRO (€769.93/year, 10 million EUR) tiers. Includes protection against drift damage, environmental harm, and third-party claims. No deductible. For agricultural businesses and service providers.
• Rehkitzrettung-Drohnenversicherung (Fawn/Wildlife Rescue Drone Insurance) Specialist liability and hull insurance for drone-based fawn rescue operations during agricultural mowing. Covers wildlife rescue organizations, hunters, and associations, with the drone insured regardless of who is piloting it. Designed for seasonal use during fawn-rescue periods.
• Drohnen-Vermietung Haftpflicht (Drone Rental Liability) Commercial drone rental liability insurance for businesses renting drones to third parties. Offered through GVO in START (from €250/year, 5 aircraft, €500 deductible), OPTIMAL (from €420/year, 8 aircraft, €500 deductible), and PRO (from €700/year, 15 aircraft, €500 deductible) tiers. All tiers provide 3 million EUR coverage sum with maximum takeoff weight of 25kg. Coverage extends to third-party operators.
• Österreich und Eigenbau (Austria and Self-Built/Commercial Drone Liability) Specialized commercial drone liability insurance for Austria-based operators and self-built/custom drones, with a dedicated application form. Covers commercial operators in Austria and self-constructed drones meeting certification requirements under EU Drone Regulation 2021.

Quantifiable outcome

• Insurance coverage from 3 to 10 million EUR per policy
• +4 more outcomes

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• GVO VersicherungcoreTechnology or IntegrationGVO (Gesellschaft für Vermögensschaden-Haftpflichtversicherung) is the primary insurance carrier behind Versichertedrohne.de's proprietary 'vD-Tarif'. GVO specializes in aviation insurance and provides the underlying coverage for drone liability products sold through the platform. The vD-Tarif is only available through Versichertedrohne.de.
• HDI VersicherungcoreTechnology or IntegrationHDI (HDI Global SE) provides drone liability and casco insurance products offered through the Versichertedrohne.de platform. HDI offers both private and commercial tariffs with coverage sums from 1 to 10 million EUR.
• R+V VersicherungcoreTechnology or IntegrationR+V Versicherung AG provides drone liability insurance products offered through the platform, with both private and commercial tariff options. R+V acts as the insurer for the RuV/Versichertedrohne commercial tariffs.
• NV VersicherungcoreTechnology or IntegrationNV (Nürnberger Versicherung) provides drone liability and casco insurance products through the platform. The NV tariff is also available for customers in Austria, and offers worldwide coverage excluding USA and Canada.
• Bundesverband Copter Piloten e.V. (BVCP)coreGTM or Marketing PartnerVersichertedrohne.de is the exclusive insurance partner of BVCP, Germany's leading drone pilots association. This partnership provides the company with direct access to a community of organized drone pilots and reinforces the company's credibility in the drone pilot community. The company engages in advocacy for responsible drone regulation.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• GLOBAL AEROSPACE: Specialist aviation insurance underwriter offering drone and UAV products within a broader aviation portfolio. Comparable as an established aviation insurance provider offering overlapping drone liability and hull coverage.
• Allianz Versicherung: Large incumbent German general insurer that also distributes drone liability and hull products. Comparable as a broad-line carrier competing for the same German drone insurance customers via direct channels.
• HDI Versicherung: Major German commercial insurer that is also one of Versichertedrohne.de's key carrier partners. Comparable as an incumbent carrier that could bypass the broker and sell drone products directly to its commercial customer base.
• Avemco Insurance: US-based aviation insurance carrier with general aviation and emerging drone coverage. Comparable as an aviation insurance specialist addressing similar hobbyist and commercial pilot segments in a different geography.

Others

• Thinksurance: German insurance broker platform connecting SMEs with insurance products via a digital interface. Comparable as a German insurance technology/distribution peer pursuing similar broker-software business model.
• CHECK24 Versicherungen: Germany's leading insurance comparison platform with broad personal and commercial lines including niche products. Comparable as a digital insurance distribution channel that could expand into drone insurance comparison, competing for the same bottom-of-funnel traffic.

Direct peers

• SkyWatch.AI: Drone insurance platform providing data-driven liability and hull policies, often embedded into drone manufacturer ecosystems. Comparable as a digital drone insurance distributor targeting commercial operators.
• Coverdrone: UK-based specialist drone insurance broker offering on-demand liability and hull coverage for commercial and private drone operators. Directly comparable as a drone-focused insurance broker with similar liability-plus-hull product split.
• Flock: UK drone insurance platform offering pay-as-you-fly coverage for commercial and hobbyist operators. Comparable as a digital-first drone insurance distributor serving similar private/commercial segments.
• Verifly (Hartford Drone Insurance): Drone insurance solution acquired by The Hartford that pioneered on-demand drone liability coverage. Comparable as a digital drone insurance distribution product serving similar commercial and private pilots.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/versicherte
• Facebookfacebook.com/Drohnen-Versicherung-1720554364854264

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Drohnen Versicherung