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You can contact us by telephone: 49-202-2701770 and by mail: info@dmodirekt․de during our business hours. Usually we will reply within one working day.

40 years of experience

We founded our company with a passion for our own hobby, and this might be one of the reasons why more than ten thousand model sports supporter and commercial users are so satisfied with our services.

From hobby model pilot to an insurance expert

The history of the DMO starts in 1983 with Hans-Otto Köddermann in Wuppertal. Due to his passion for model flying, he saw the demand for a special model sports insurance and founded one - with big success! His vision turned into reality and now the DMO mediates liability insurances to model owners, no matter if they are members of an associations or a club or pursuing their hobby on their own - all model aircraft, vehicle or helicopter owners are welcome! We take care of every single one of them - and we do it with passion!

Since 2005, when a model owner liability insurance became obligatory, the DMO has grown and not it is firmly established in the region known as “Bergisches Land”. Apart from that, they were the first to offer commercial model owner liability insurances in Germany, because Hans-Otto Köddermann saw a big chance in that area. And he was right, as we can see today. The commercial usage of aircraft models and drones has grown considerably and will continue to do so.

Meanwhile, tens of thousands members all over Germany are convinced of the good service of the DMO. Our main priorities are: a good consultation, competence and friendliness. Our aim is to inform our customers about any news and information they might need. The DMO is a family-run business. Since 2017, the daughter of Hans-Otto Köddermann, Andrea Dörpelkus, runs the business.

I have a clear focus: Customer service comes first. My aim is to answer all questions of our customers in a timely and friendly manner. For this task, quality and competence are most important to me.

Andrea Dörpelkus
Managing Director of DMO

Always at your side: With passion and dedication!

Your satisfaction is our top priority. This is why we are happy to consult you regarding the best insurance for your requirements, about new regulations and provisions, so you have the best possible insurance and can navigate your model or drone safely. We mediate a liability insurance for model sports and drones, for private and commercial usage, as well as for service providers, in research or for volunteers.

But we don’t only advise you, we also answer all your questions, and we are at your side in the case of a damage. Our aim is that you can concentrate on your job or your hobby with a drone or a model - best informed, equipped and secured even for the worst case. We are always there for you, on the telephone or by mail, and all applications and insurances can also be concluded online.

We at DMO are not simply your insurers.

We at DMO are not simply your insurers - we assist, consult and help you with passion and dedication! Our aim is that every customer has the best possible insurance, and we will always be at our customer’s side.

Our team

Bank clerk, insurance intermediary with permission according to § 34d (1) GewO (German trade regulations), since 2016: manager and responsible for customer service, form of contract, personnel management and business strategy.

Our team

Since 2018 in the DMO, also busy in the areas customer management and IT/social media, studies International Business and Management.

Our team

Certified insurance agent, certified model flight expert, since 2011 busy in customer consultation and contract management.

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Legal information | Drone insurances | Privat

Drone under 250 g take-off weight - what do I need to consider?

Published on 02/16/2024 Created by DMO

What insurance do I need for a drone under 250 g?

Since August 10, 2005, model aircraft liability insurance has been required by law for all model aircraft, copters and drones without exception, regardless of their take-off mass. (§ 33, 37, 43.2 LuftVG). If these models are operated outdoors, the corresponding liability insurance is therefore required, which must also include strict liability in particular.

This means that insurance cover must exist regardless of whether the pilot is at fault for the accident with the model or not: for example, in the event of a radio breakdown or a strong gust of wind, the pilot is generally not at fault if the drone gets out of control and causes damage. However, the insurance company will still compensate the injured party for the damage caused.

Your annual premium with DMO: for private drone liability insurance: €39.96 for €3 million cover, alternatively €51.96 for €6 million cover.

In Germany, private DMO customers are subject to the simplified rules of the association's operating license, which allows FPV flights (= drone flight with video goggles) up to a height of 30 m without a spotter (= 2nd person to avert danger).

Do I need a registration for a drone under 250 g?

If a camera is installed on the model, you must register as a so-called UAS operator with the Federal Aviation Office (LBA), even if the take-off weight is less than 250 g. The UAS operator number, also known as the e-ID, must be clearly marked on the model. Even if the e-ID has been entered into the remote identification function of the UAS, it must also be physically attached to the UAS itself. Fire resistance is not mandatory.

It is not the individual model that is registered, but the pilot/owner as a person. If you own several drones, you write the same e-ID on each one.
We register private DMO customers for just €5. This costs €20 directly with the LBA.

Which driver's license/training certificate do I need for a drone under 250 g?

This is not mandatory for models under 250 g take-off weight.
Private DMO customers only require the association's training certificate for models over 2 kg take-off weight.

How high can you fly with a drone under 250 g?

In principle, drones may be flown at altitudes of up to 120 meters. They must always be within sight and their position must be recognizable to the pilot at all times.

Where can I fly a drone under 250 g?

As this can vary greatly depending on local conditions and municipal regulations, we recommend that you find out more about the planned flying area at www.dipul.de.

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