Urban mobility is changing, and electric scooters have become key players in this new landscape. However, as their use has grown, so have accidents and legal disputes. To bring order, Spain has approved new regulations requiring all Personal Mobility Vehicles to be insured starting in 2026.
Urban mobility is changing, and electric scooters have become key players in this new landscape. However, as their use has grown, so have accidents and legal disputes. To bring order, Spain has approved new regulations requiring all Personal Mobility Vehicles to be insured starting in 2026.
This article explains what is changing, why insurance is mandatory, and what minimum coverage is required.
The new 2026 law: what exactly does it require?
Law 5/2025, derived from Directive (EU) 2021/2118, extends the obligation to carry civil liability insurance to all Personal Mobility Vehicles, including electric scooters.
The regulation comes into force on January 2, 2026.
Key points of the law:
- Mandatory civil liability insurance for all electric scooters.
- Public VMP-registry (registry for personal mobility vehicles), managed by the DGT (Spanish Traffic Office), required in order to obtain insurance.
- Fines of up to €1,000 for riding without a policy.
- Applies to both private and professional use (delivery riders, rentals, etc.).
Although there was an initial delay in implementing the registry, the DGT confirmed that the requirement remains in place for 2026.
Why is it becoming mandatory?
The massive use of scooters has led to:
- An increase in accidents involving pedestrians and vehicles.
- Difficulty identifying who is responsible in collisions.
- Legal gaps in damage claims.
Mandatory insurance aims to protect third parties, reduce conflicts, and ensure that any damage caused is covered.
What does civil liability insurance cover?
Although each insurer offers different conditions, the minimum required coverage includes:
> Personal injury to third parties
Injuries caused to pedestrians, cyclists, or other users.
> Material damage
Breakage or deterioration of others’ property (cars, shop windows, urban furniture…).
> Legal defense
Legal assistance in case of claims or lawsuits.
> Bail bonds
Coverage for possible bail amounts arising from an accident.
What happens if you ride without insurance in 2026?
The law establishes penalties that can exceed €1,000, in addition to the immobilization of the vehicle.
In the event of an accident, you would have to personally cover all damages caused, which could amount to thousands of euros.
Conclusion
The new 2026 regulation marks a turning point in urban mobility. Civil liability insurance for electric scooters is no longer a recommendation but a legal obligation.
Insuring your scooter not only avoids fines: it protects you from claims, gives you peace of mind, and allows you to ride responsibly.