Compulsory insurance for Personal Mobility Vehicles (PMVs), including electric scooters, will not be enforceable on 2 January, as established by the law that made it compulsory, as the register in which they must be registered is not yet regulated and operational. The Directorate General of Traffic (DGT) has reported that, although the royal decree that will cover the registration of PMVs is being processed urgently, it will not be possible for it to be approved before 2 January.
While the registration regulation is being processed, the obligation to insure these vehicles will not be applicable until the registry is regulated and operational. However, PMVs weighing more than 25 kilograms and with a speed of more than 14 kilometres per hour must be insured without the need to be registered in the register for these vehicles, with a deadline of 26 January.
The law that created compulsory insurance for Personal Mobility Vehicles was published at the end of July in the Official State Gazette, establishing 2 January as the date of entry into force. In addition, by that date, the Government should have set up a public register for this type of vehicle.
The public information period for the draft regulation on Compulsory Civil Liability Insurance for PMVs, drawn up by the Ministry of Economy, ended on 19 December, and that for the amendment to the General Vehicle Regulations to create the register, drawn up by the Ministry of the Interior, ended on 16 December.
In order to take out compulsory insurance for a PMV, the vehicle must be registered with the Central Traffic Headquarters and have an identification label with the assigned registration number or, where applicable, a registration plate. At the moment, it is not known how long it will take to register PMVs, the best known of which are electric scooters, of which there may be between half a million and a million in Spain.
Although compulsory insurance is not yet in force, Law 5/2025, which amended the Law on Civil Liability and Insurance in the Circulation of Motor Vehicles, approved last July, establishes that the Insurance Compensation Consortium (CCS) is the guarantor in accidents caused by uninsured vehicles in which personal injury occurs, although it does not cover material damage. The law provides for penalties for light personal vehicles that are driven without compulsory insurance once it becomes mandatory, ranging from €200 to €1,000.
Until the new regulations came into force, insuring an electric scooter was voluntary, and the major companies have long offered insurance for these vehicles, although they will now have to see whether they need to adapt their policies to the regulatory provisions or create specific policies that meet the mandatory requirements, such as the minimum capital and the type of vehicles to be insured.
According to data from the Mapfre Foundation, in 2024 there were 396 accidents involving Personal Mobility Vehicles (PMVs), 23% more than in 2023, with 240 injuries and fourteen fatalities (thirteen PMV users and one motorcyclist who died in an accident involving a PMV). Compulsory insurance will guarantee civil liability coverage in accidents caused by PMVs, with compensation for personal injury amounting to 6.45 million euros per accident, regardless of the number of victims; while for property damage, it is 1.3 million euros per accident, according to the law. Compulsory insurance does not cover the spontaneous explosion or combustion of a vehicle when it is stored or transported as an object or merchandise, or left parked on property outside a designated parking area.