The minimum age for remote pilots of drones in the ‘open’ and ’specific’ categories is 16 years old, however, check with your local National Aviation Authority, as they can lower the minimum age requirement.
However, there is no minimum age for flying a drone with a CE class 0 mark under subcategory A1.
Regulatory reference: Article 9 EU regulation 2019/947.
You, as drone operator, are always required to have an insurance for your drone if you are using a drone with a weight above 20kg. However most of EASA Member States mandate a third party insurance also if you are operating a lighter drone. So please consult the national regulation.
Regulatory reference: Article 14 (2) (d) of EU regulation 2019/947.