Electric Scooter Insurance

Electric scooters have become a common sight on Spanish streets and cycle lanes, offering a fast, clean, and cost-effective way to navigate urban areas. However, the legal framework around electric scooters in Spain has tightened significantly in recent years — and so has the requirement for insurance. Whether you own a personal electric scooter or use one regularly, understanding the insurance requirements is essential to avoid fines and protect yourself financially.

Electric Scooter Rules in Spain

Under Spanish traffic regulations, electric scooters (vehículos de movilidad personal or VMP) are classified as personal mobility vehicles. Key rules include:

• Electric scooters are not permitted on pavements — they must use cycle lanes or, where no cycle lane exists, the road
• A maximum speed of 25km/h applies in most urban areas
• Helmets are not legally required for adults on cycle lanes, but are strongly recommended
• Electric scooters cannot be ridden on motorways, fast roads, or national roads
• Many Spanish cities have introduced additional local restrictions

Is Insurance Required for Electric Scooters in Spain?

Third-party liability insurance is not currently a nationwide legal requirement for personal electric scooters in Spain — however, this is an evolving area of regulation and several cities and regions are moving towards mandatory insurance. Regardless of current legal requirements, we strongly recommend holding third-party liability insurance on your scooter. If you collide with a pedestrian and cause injury, the cost of a personal injury claim can be devastating without insurance cover in place.

What Does Electric Scooter Insurance Cover?

• Third-party liability — covering injury or property damage you cause to others
• Theft — electric scooters are a popular target for thieves given their value and portability
• Accidental damage — covering your scooter against damage from falls, collisions, and accidents
• Personal accident — medical costs if you are injured while riding

Popular Brands We Cover

We can arrange insurance for electric scooters from all major brands, including Xiaomi, Ninebot, Segway, Cecotec, Kaabo, and others. Whether your scooter is entry-level or a premium model worth over €1,000, we find coverage appropriate for its value.

Get a Free Electric Scooter Insurance Quote

Contact our team today for a free, no-obligation quote on electric scooter insurance in Spain.