Compulsory insurance for personal mobility vehicles (PV), including scooters, will not be required this January 2, as provided for in the law that made it compulsory, because the register in which they must be registered is not yet regulated and operational.
The General Directorate of Traffic (DGT) indicated last Tuesday that, although the royal decree which will cover the registration of VPMs is treated urgently, it will not be possible to approve it before January 2. Therefore, while the registration regulations are being developed, the pre-insurance requirement for these vehicles will only be applicable when the register is regulated and operational.
However, in the case of VPMs weighing more than 25 kilos and capable of reaching speeds greater than 14 kilometers per hour, they must be insured without the need to register in the register of these vehicles, with a deadline set for January 26.
The law that created mandatory insurance for personal mobility vehicles was published in the BOE at the end of July, setting January 2 as the effective date. In addition, the government should by then launch a public register of this type of vehicle. The public information period for the draft regulation of Compulsory Civil Liability Insurance of the VPM, prepared by the Ministry of the Economy, ended on December 19 and that of the one which modifies the General Vehicle Regulations to create its register, prepared by the Ministry of the Interior, on December 16.
To take out compulsory insurance for a VPM, the vehicle must be registered in the register of the Central Traffic Directorate and have an identification label with the assigned registration number or, where applicable, the registration plate. At the moment the deadline for registration of the VPM is unknown, the best known are the electric scooters of which there could be between half and a million in Spain.
Although compulsory insurance is not in force, Law 5/2025, which amended the Law on Civil Liability and Insurance in Motor Vehicle Circulation, approved last July, establishes that the Insurance Compensation Consortium (CCS) is the guarantor of accidents caused by uninsured vehicles in which bodily harm occurs, although it does not cover materials.
The law provides for sanctions for light personal vehicles which circulate without compulsory insurance once this is required, which can range from 200 to 1,000 euros.
Until the new regulations, insuring an electric scooter was voluntary and the most important companies had been insuring these vehicles for a long time, although now they must see whether they should adapt them to the regulatory provisions or also create specific ones with mandatory requirements, such as minimum capital and the type of vehicles to be insured.
According to data from the Mapfre Foundation, in 2024 there were 396 accidents in which personal mobility vehicles (PMV) were involved, 23% more than in 2023, with 240 injuries and 14 deaths (13 PVM users and one motorcyclist who died in an accident with a PMV involved).
Mandatory insurance will guarantee civil liability coverage for accidents caused by VMP, with compensation amounts for bodily injury of 6.45 million per incident regardless of the number of casualties caused; while for property damage it is 1.3 million per incident, according to the law.
Compulsory insurance does not cover the explosion or spontaneous combustion of a vehicle when stored or transported as an object or commodity, or left parked on a property outside of a parking space.
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