Since the weather is absolute crap over here in the UK I decided to do a bit of research when it comes to using drones in the UK.
Flying in congested areas
There are restrictions on operating drones in congested areas, at certain heights or directly over people and vehicles. UK rules say that drones of specific weights must not be flown within 50m of people, structures or vehicles. Additionally, drones cannot fly within 150m of a congested area. Certain permissions must be obtained before the drone can be flown commercially.
What they fail to say is that the restriction is only 30 metres when the drone takes off or lands and doesn’t include the operator of the drone or the person under drone operator’s control (i.e. the person helping you out)
European law requires certain operators of drones to purchase third party liability insurance. Insurance like this will need to be sought from specialist brokers. Failure to obtain suitable insurance cover may prove costly in the event of an accident.
I will go further than that and say just get a drone third party liability insurance. This will not only protect you in case you cause a damage with your drone, but will help present you as a responsible drone operator. The police might ask what would you do if your drone damages something your drone is flying over, showing them that you have an insurance would be a very good answer and the police will have very little to go on.