Mandatory Insurance for E-Scooters: A New Era of Responsibility on Spanish Roads, Brought to you by N332 Insure
Electric scooters, or Personal Mobility Vehicles (PMVs), have rapidly become a ubiquitous sight in towns and cities across Spain, revolutionising urban travel. However, with their growing popularity comes an increased need for regulation and accountability.
From 2 January 2026, all PMVs in Spain must have valid civil liability insurance.
This aligns with European Directive 2021/2118, aimed at improving road safety and guaranteeing fair compensation in case of accidents.
Today, very few privately owned e-scooters are insured—some estimates show less than 5% in certain areas. This lack of protection poses a growing concern.
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The Rising Tide of PMV Accidents
Accidents are increasing. For example:
One major city saw incidents nearly double from 62 in 2023 to 107 in 2024.
Since 2018, cases have been climbing steadily.
Accidents can cause:
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Fractures (limbs, skull)
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Traumatic brain injuries (1 in 3 cases)
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Injuries to pedestrians, especially elderly people (e.g., tibia fractures)
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What the New Obligation Means for E-Scooter Users
From 2026, civil liability insurance will be compulsory for most e-scooters.
Key points:
Public Registry: In 2025, a national registry will be created—registration will be mandatory.
Affordable: Basic insurance will cost between €30 and €50/year, depending on speed, weight, and coverage.
Protection: Avoid high costs from damages or injuries.
Compensation examples:
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Minor damages: torn clothes, broken phones
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Serious injuries: treatment, rehab, long-term disability
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Fatalities: up to €400,000
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Damage to vehicles or street property: high repair costs
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Addressing Misconceptions: Home Insurance Exclusions
Many users wrongly believe their home insurance covers e-scooter accidents.
Most policies exclude motor vehicles, including e-scooters.
For minors, a parent must take out the policy and include the child as the insured person.
Always consult an insurance broker to make sure you’re properly covered.
N332 Insure is your reliable insurance introducer that connects you with the top insurance companies in Spain. We are dedicated to helping you find the best insurance policies tailored to your specific needs and budget.
At N332 Insure, we understand that finding the right insurance policy can be a daunting and time-consuming task. That's why we have simplified the process by offering a hassle-free service that allows you to compare different policies from leading insurers in Spain.
