Electric scooter insurance: when it is mandatory and how much it costs in 2026
Yes, electric scooter insurance is mandatory in Spain since January 2, 2026. Law 5/2025 incorporated Personal Mobility Vehicles (PMV) into the mandatory civil liability insurance system, just like cars and motorcycles. Without insurance you cannot legally circulate — and without first registering the scooter with the DGT, you also cannot purchase insurance.
What Law 5/2025 Says
The Law 5/2025 and RD 52/2026 establish two distinct obligations that should not be confused, because they have different timelines:
⚠️ What you need to circulate legally
Step 1 — DGT Registration: Mandatory since January 2, 2026. Without a registration number you cannot purchase insurance. Cost: €8.67. Online procedure at the DGT electronic headquarters.
Step 2 — Liability Insurance: Mandatory once the registration is active. The policy is linked to the registration number. Without registration there is no valid insurance.
Additional deadline: Scooters manufactured before January 22, 2024 can circulate without a circulation certificate until January 22, 2027. After that date, they cannot.
Law 5/2025 sets very high minimum coverage limits, aligned with those of motor vehicles: €6,450,000 for personal injury and €1,300,000 for property damage per claim.
To register your scooter and get the registration number before purchasing insurance, check our complete guide on the 2026 DGT regulations for scooters.
The Correct Order: First Registration, Then Insurance
This is the most common mistake. Many try to purchase insurance before registering the scooter — and they can't, because the policy needs the DGT registration number to be valid.
ℹ️ How the Process Works
1. Register your scooter with the DGT (€8.67 online) → you receive the registration number
2. With that number you purchase liability insurance with any insurance company
3. The policy is linked to the number — without it, the insurance has no legal validity
Haven't registered your scooter yet? Follow the step-by-step guide to register your scooter with the DGT.
How Much Does Electric Scooter Insurance Cost in 2026
Price varies depending on the insurance company and coverage selected. These are the indicative ranges for 2026:
| Coverage | Indicative Annual Price | What's Included |
|---|---|---|
| Basic Liability | From €25/year | Third-party damage — mandatory by law |
| Liability + Driver Accidents | From €39/year | Liability + coverage for personal damage in accident |
| Family Package | From €58/year | All residents of the same address |
| Liability + Theft | From €60/year | Liability + coverage for vehicle theft |
ℹ️ What You Should Know Before Purchasing
Home insurance does not cover scooter accidents on public roads in 2026 — most policies have excluded PMVs. Law 5/2025 requires a specific policy for the scooter. Some insurance companies allow you to add it as an extension to your existing auto insurance with a discount.
What Happens If You Circulate Without Insurance
⚠️ Consequences of Circulating Without Insurance
Immediate vehicle impound in case of inspection.
Serious fine — circulating without insurance is a serious violation under Law 5/2025.
Unlimited personal liability — if you cause an accident without insurance, you are liable for damages up to €6,450,000 from your personal assets.
The Next Step: Position the License Plate Correctly
Once your scooter is registered and insurance is active, the identification tag must be visible and fixed on the vehicle. The DGT indicates the rear fender as the preferred position. To know exactly where to place it according to your model, check where to place the scooter license plate according to the DGT.
Holdtag manufactures four license plate holder models in Spain, adaptable to any scooter configuration, with transparent protector included.
PMV License Plate Holder with Transparent Protector
Rigid frame for rear fender. Fastening with screws, ties or adhesive. Compatible with official PMV license plate.
PMV License Plate Holder with Security Screw
Rigid frame for rear fender with anti-theft screw included. Prevents license plate removal without tools.
Flexible Side License Plate Holder — Right
Flexible frame for the right side of rear wheel, chassis or axle bolt. No fender required.
Flexible Side License Plate Holder — Left
Flexible frame for the left side of rear wheel, chassis or axle bolt. No fender required.
Frequently Asked Questions
Does home insurance cover my electric scooter?
In most cases no. As of 2026, home insurance policies have excluded PMVs from liability coverage on public roads. Law 5/2025 requires a specific policy for the scooter. Check with your insurance company if they offer a PMV extension.
Can I circulate while waiting for the physical license plate to arrive?
Yes, as long as you have the registration receipt and insurance purchased. Keep the procedure confirmation on your phone — it is valid as documentation in an inspection until the physical tag arrives.
What happens if I sell the scooter? Does the insurance transfer?
No. The insurance is linked to the registration number, which is in turn associated with the owner. If you sell the scooter, the buyer must register it in their name and purchase their own insurance. You have 30 days to notify the DGT of the ownership change.
Do electric bicycles also need insurance?
Only those exceeding 250W of power or 25 km/h of assistance without pedaling — in that case they are considered mopeds. Conventional electric bicycles (up to 250W and 25 km/h) do not require mandatory insurance.
Verdict
Insurance is mandatory — and you cannot purchase it without prior registration
The complete process — DGT registration plus liability insurance — costs between €33 and €68 in the first year. The fine for circulating without insurance and unlimited personal liability in case of accident make it not worth skipping.
The order matters: first registration (€8.67 online), then insurance. Without the registration number, the policy is not valid.
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