Sample questions
Insurance
A free preview of real exam-style questions for this topic — each with the correct answer, an explanation, and the official source it is based on.
01What is the minimum third-party liability cover in Latvia for A1 (C1) flights?
- €50 000. — Correct answer
- €1 000.
- Not required.
- 750 000 SDR.
Cabinet Reg. No. 447 sets a €50 000 minimum for A1 (C1), A2 and A3 up to 20 kg. C0 (< 250 g) flights are exempt.
02Does mandatory insurance cover damage to the UAS itself (hull)?
- Yes, always.
- No — mandatory insurance covers only third-party loss. — Correct answer
- Only for commercial operators.
- Only if the UAS exceeds 4 kg.
The mandatory policy covers third-party bodily and property loss. Damage to the UAS itself is voluntary hull cover.
03For which UAS flight in Latvia is insurance NOT mandatory?
- A3 with a C3 drone.
- A2 with a C2 drone.
- C0 (< 250 g) recreational flight. — Correct answer
- A1 with a C1 drone, if the pilot flies above their own land.
C0 (< 250 g) flights are exempt from the mandatory insurance under Cabinet Reg. No. 447. Voluntary cover is still recommended.
04What is the minimum cover for a Specific-category UAS flight under 500 kg?
- €100 000.
- €50 000.
- €1 000 000.
- 750 000 SDR. — Correct answer
Specific-category operators with UAS < 500 kg fall under Reg (EC) 785/2004 — 750 000 SDR.
05What happens if a CAA Latvia inspector finds an operator without insurance?
- The operator is fined and not allowed to fly. — Correct answer
- The inspector recommends insurance and lets the operator fly on.
- No consequences — third-party liability is voluntary.
- The operator is given 14 days to obtain the policy after the fact.
Without a valid third-party policy the operator is not qualified to fly. The flight is grounded and an administrative fine is imposed.
06A pilot with mandatory third-party liability insurance and hull insurance (€200 deductible) loses their drone mid-flight — it falls into a canal, floods, and is destroyed. No one was injured. Which losses are covered?
- The mandatory policy covers the drone value; hull is not needed.
- Hull insurance covers the drone value minus the €200 deductible; mandatory policy covers nothing (no third-party loss). — Correct answer
- Neither policy — water damage is excluded from all policies.
- Both policies together cover the full drone value.
Hull insurance covers damage to the drone — it will pay the drone replacement cost minus the €200 deductible. The mandatory third-party liability policy covers third-party losses — in this case no one was injured and there was no third-party property damage, so the mandatory policy pays nothing.
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