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Electric scooters have transformed how people get around Spanish cities. From Madrid and Barcelona to Marbella and Valencia, they are a practical, affordable, and environmentally friendly way to navigate urban life. But as their popularity has grown, so has the Spanish regulatory framework around them — and insurance is increasingly not optional.
At Insurance Spain, we arrange electric scooter insurance for expats and residents across Spain. We work with leading Spanish insurers to find you the right cover at a competitive price, explained clearly in English.
This is the question most riders ask first. The answer is: it depends on where you ride and your scooter type — but the legal landscape is moving firmly towards mandatory insurance nationwide.
Under Spanish traffic law, electric scooters are classified as Vehículos de Movilidad Personal (VMP) — personal mobility vehicles. Royal Decree 970/2020 and subsequent DGT (Dirección General de Tráfico) regulations have progressively tightened the rules. Several major cities — including Madrid, Barcelona, Seville, and Valencia — have introduced local ordinances requiring third-party liability insurance as a condition of riding on public roads.
A 2023 DGT directive signalled the government's intention to make third-party liability insurance mandatory for all VMP nationwide. Even in areas where it is not yet legally enforced, riding without insurance is a serious financial risk. If you cause an accident and injure a pedestrian or damage a vehicle, you could face a personal liability claim running to tens of thousands of euros — with no insurer to cover it.
Our recommendation is simple: get covered.
Beyond insurance, there are several important rules every rider should know:
Fines for traffic violations on electric scooters can range from €100 to €500. Riding without mandatory insurance where it is required can result in fines up to €3,000.
Electric scooter insurance in Spain typically comes in several tiers. We help you choose the right level of cover for your scooter's value and how you use it.
The most fundamental cover — and the one required by law in many areas. This pays out if you injure another person or damage their property while riding. Given that a pedestrian injury claim can easily exceed €50,000, this is the cover that matters most.
Electric scooters are one of the most stolen items in Spanish cities. A quality scooter can cost €500–€2,000 or more. Theft cover reimburses you for the value of your scooter if it is stolen, typically with conditions around where and how it was secured.
Covers physical damage to your scooter caused by accidents, falls, collisions, or vandalism. Particularly useful if you have a premium model.
Covers your own medical expenses and pays a benefit in the event of serious injury or death while riding. Particularly important given that scooter riders are exposed in traffic with no vehicle bodywork around them.
Some policies include recovery and assistance if your scooter breaks down — useful if you depend on it for your daily commute.
Electric scooter insurance in Spain is generally affordable — especially compared to the cost of being uninsured. Typical pricing:
The exact premium depends on the make and model of your scooter, its purchase value, where you live in Spain, and your riding history. Contact us for a personalised quote.
We can arrange insurance for all major electric scooter brands available in Spain, including:
Whether your scooter is an entry-level commuter model or a high-performance machine worth over €2,000, we find cover appropriate for its value.
Third-party liability insurance is legally required in a growing number of Spanish cities and municipalities. Even where not yet legally enforced, we strongly recommend it — an uninsured accident causing injury could result in a personal liability claim of tens of thousands of euros.
Yes. We can arrange cover for second-hand scooters. You will typically need the original purchase invoice or a recent valuation to establish the insured value for theft or damage cover.
Some home insurance policies include limited cover for bicycles and personal transport devices, but this rarely extends to full third-party liability for electric scooters. It is worth checking your policy wording — contact us and we can review it with you.
If you cause injury or property damage while riding uninsured, you are personally liable for all costs. In Spain, personal injury claims are handled through the civil courts and can be very significant. You could also face fines from the DGT for riding without legally required insurance.
Absolutely. We specialise in arranging insurance for expats across Spain. There is no requirement to be a Spanish national — you simply need a Spanish address and, in some cases, a Spanish NIE number. Our team handles everything in English.
Fill in the quote form on this page or contact us directly. We compare prices from Spain's leading insurers and come back to you with the best options — usually within one working day.
