Since July 2025, the Official State Gazette(BOE) officially requires owners of certain electric scooters and eBikes to take out compulsory insurance. The move aims to boost road safety and provide better protection for users of these increasingly popular urban vehicles.
The new rules give owners six months to regularise their vehicles. Between 25 July 2025 and 25 January 2026, those who take out insurance will not face penalties. After this transitional period, riding without insurance could result in fines of up to 1,000 euros.
The legislation also introduces other obligations. Owners must register their electric scooters and bikes in a national public database, which the Government is required to implement by 2 January 2026. This registry will make it easier to identify vehicles and owners in the event of an accident and encourage safer, more organised urban mobility.
Who needs insurance?
Compulsory insurance only applies to electric scooters and bikes with a motor above 250 watts that can reach speeds over 25 km/h. Most pedal-assist eBikes, which fall below these limits, are exempt, though voluntary insurance is recommended to protect riders.
If your eBike or scooter meets the criteria, it is essential to take out insurance and comply with the law to avoid fines. The regulation comes in response to the rapid rise in use of these vehicles, whose rules have previously been inconsistent and fragmented.
Deadlines and penalties
Owners have six months from the BOE publication date to meet the insurance and registration requirements. During this period, riding without a policy will not incur fines, though it is advisable to secure coverage promptly.
After the grace period ends, riding a personal mobility vehicle (PMV) without insurance could lead to fines of up to 1,000 euros — roughly a third of the penalties for cars and motorcycles — depending on the severity of the offence. Authorities hope that enforcement, monitoring, and user awareness will improve compliance.
How to get insured and how much it costs
Taking out insurance is simple. Owners can go to any insurer with the basic details of their vehicle and themselves, and obtain a policy within minutes. Prices vary depending on the provider and coverage, typically ranging from 15 to 90 euros per year — an affordable option for most.
Minimum coverage requirements are set at 6,450,000 euros for personal injury and 1,300,000 euros for property damage. These amounts will be updated annually in line with the Consumer Price Index (CPI) to ensure they remain adequate.
In addition to insurance, vehicles must display a visible identification plate, carry a circulation certificate accessible via QR code, and have a valid ITV (technical inspection). If the ITV is pending or expired, only temporary insurance is available, restricting normal use.