Will insurance be mandatory for bicycles and e-bikes in Spain

As of now, NO — but it’s a fair question given recent legal changes. Let’s break it down:

WHAT does the new law say

The law approved by the Spanish Congress — in line with the updated EU Motor Insurance Directive — allows Member States to voluntarily extend insurance requirements to vehicles not legally defined as motor vehicles, but increasingly present in urban traffic (like electric scooters).

WHO is affected right now

The law introduces mandatory civil liability insurance for light personal vehicles, such as electric scooters, even though they are not legally considered motor vehicles.

AND bicycles OR powerful e-bikes— are they included?

Regular bikes and electric bicycles with pedal assist up to 25 km/h and max 250W power are not included. They won’t require insurance for now.

Besides, if an e-bike goes over 25 km/h, has more power, or uses a throttle to accelerate without pedaling, it’s classified as a motor vehicle (moped or motorcycle) — and it already requires insurance, registration, and a license, under existing rules.

So, while bikes and standard e-bikes don’t need insurance today, future changes in mobility habits and legal trends could eventually bring new rules. Stay tuned.