Compulsory insurance for electric scooters 2026

The Law 5/2025 (24 July) introduced a compulsory insurance liability insurance for Personal Mobility Vehicles (electric scooters, unicycles, etc.). Since the 2 January 2026 These vehicles will need to be insured in order to circulate legally. This means that the home insurance no longer covers damage caused by your scooter or other VMP. Below, we explain how the regulation affects you, what cover you need and how to take out the right protection for your urban mobility.

The new regulation: compulsory insurance for MPVs

Law 5/2025 amended the Law on Civil Liability and Traffic Insurance. In its first additional provision, it created a compulsory insurance of civil liability for the light personal vehicles (VPL) -i.e. VMPs such as electric scooters- that will be able to register with the DGT. According to the BOE, “the provisions of the first additional provision shall enter into force on 2 January 2026”. In the meantime, the DGT has set up a national register of VMPs.All owners must register their light personal vehicle before taking out insurance.

In practice, from January 2026, the legal text obliges all users of electric scooters that qualify as VPL and other VMPs The minimum liability insurance coverage is 6.45 million euros for personal injury and 1.3 million euros for property damage. These amounts put the scooter on a par with any motor vehicle. Riding without VMP insurance is penalised with fines from €250 to €800 (in addition to the consequent personal and civil risk in the event of an accident).

Which vehicles are covered by this obligation?

The reform covers all areas of Personal Mobility Vehicles (PMV) which, by legal definition, are electric skateboards, scooters, unicycles, hoverboards and similar (max. 25 km/h, weight regulated). Newly approved scooters with a VMP certificate are also subject to this. For existing scooters without a number plate, there is a transitional regime (they can use the vehicle until January 2027 after registration). In any case, urban mobility vehicles must have a number plate, a registration certificate and their own insurance from the date indicated.

Home insurance vs. specific insurance

Until now, many users believed that the HOME POLICY covered the civil liability of this type of vehicle. With the new law this changes drastically: home insurance ceases to cover damage caused by a scooter or VMP. In other words, home CR is no longer enough. You will need specific urban mobility insurance to comply with the law.

Why take out insurance for your scooter or VMP now?

Taking out your electric scooter policy early offers advantages:

• You comply with the law: You avoid municipal fines (up to €500 for lack of insurance) and the state fine (€250-800) for driving without insurance cover.
• Immediate coverage: The insurance protects you immediately against damage to third parties, whereas without a policy the Compensation Consortium only covers eventualities after the event (and then pays compensation to the responsible party).
• Personal peace of mind: A VMP accident can result in high costs (injuries to pedestrians, damage to vehicles or street furniture). Liability insurance prevents these costs from being passed on to you.
• Optional benefits: In addition to the compulsory CR, useful cover can be added (accidental damage to the VMP itself, theft of the scooter, driver assistance, etc.).

How to choose the right insurance for your VMP?

To make the right choice for your urban mobility insurance, follow these steps:

1. Identify your VMP: Confirm that your scooter is approved (has VMP certificate and plate). If it is new, have the technical documentation ready.
2. Assesses mandatory coverages: Be sure to include the Compulsory Civil Liability according to Law 5/2025 (min. €6.45M and €1.3M). Check that the policy complies with these limits.
3. Consider additional coverages: Depending on use, add theft, accidental damage, health or legal assistance. For example, if you leave your scooter in the street, a theft cover is recommended.
4. Compare conditions: Read exclusions (e.g. often exclude users without helmets or using headphones) and options (legal defence, travel assistance). Evaluate price vs. sum insured: the higher the VMP, the better the cover.
5. Contact a specialised mediator or brokerage: A professional (like us at PIB Group Iberia) can manage offers from several insurers and tailor the policy to your usage profile, saving you time and money.

At PIB Group Iberia we have urban mobility experts who give free advice. We can help you to quote and take out your electric scooter insurance 100% online, transparently and without small print.

Consequences of driving without insurance

Driving without insurance after the reform entails serious legal and economic risks:

• Administrative fines: 200-800 € depending on the case.
• Immobilisation of the vehicle: Police or Guardia Civil can withdraw the VMP when it is detected without insurance.
• Extended personal liability: If you cause an accident, you would be liable with your assets for damages to third parties. The Consortium initially compensates the victim, but can later claim back the full amount paid.
• Denial of domestic coverage: As we said, the household policy does not cover these cases. Without specific insurance, there is no back-up.

For all these reasons, it is urgent for any user of a scooter or other urban mobility vehicle to take out VMP insurance.

Why choose PIB Group Iberia?

• Multidisciplinary experience: We have mediators specialised in urban mobility insurance. We offer you advice close to you and adapted to your specific case.
• Actual comparison: We analyse proposals from various companies to find the solution that best suits your needs.
• Agile recruitment: We can arrange your policy by email or telephone, so that you are protected before the regulation comes into force.
• Comprehensive coverage: In addition to the compulsory CR, we help you to include optional guarantees (own damage, theft, assistance).
• PIB Group support: We belong to PIB Group Iberia, an independent broker with an international presence, professional ethics and more than 55,000 claims handled annually.

With PIB Group Iberia you will have the peace of mind to comply with the law and protect your urban mobility. PIB Group Iberia has a team of experts in electric scooter insurance ready to advise you personally in choosing the best insurance for your home. Contact us at PIB Group Iberia for personalised advice without obligation.