New Mobility Law: mandatory insurance for electric scooters and personal mobility vehicles

Urban mobility in Spain is entering a decisive new era. With the approval of Law 5/2025, electric scooters and other Personal Light Vehicles (PLVs) are now entering, for the first time, a legal framework as regulated as that of cars and motorcycles.

Starting from 2 January 2026, mandatory insurance for electric scooters will come into force, together with new identification, registration and certification requirements. If you use an electric scooter for daily commuting, these changes affect you directly.

In this complete guide, we explain what is changing, what you need to do and how to prepare.

Which vehicles are NOT included in the PLV category?

The following are excluded:

• Pedal-assist electric bikes ≤ 25 km/h and ≤ 250 W (EPACs) → they remain exempt from mandatory insurance
• Motorised vehicles for people with reduced mobility

Mandatory insurance for electric scooters: when will it be required?

📅 Key date: 2 January 2026

✔ Why is this insurance being introduced?

• Accidents involving PMVs/PLVs are increasing
• Many victims were left without insurance coverage
• The goal is to align them with other motor vehicles

What does mandatory insurance for electric scooters cover?

The law establishes a mandatory minimum coverage:

• €6.45 million for personal injury damages
• €1.3 million for material damages

This is the same minimum coverage required for cars, adapted for PLVs.

👉 You will be protected if you cause:

• Pedestrian accidents
• Collisions with other vehicles
• Damage to public property
• Multiple-vehicle accidents

What happens if I ride without insurance after 2026?

• A fine equivalent to driving a car or motorcycle without insurance
• Your scooter may be impounded
• If you cause damage:
• The Insurance Compensation Consortium will compensate the victim
• Afterwards, they may claim the full cost of the damages from you

A single accident causing injuries to third parties could cost tens of thousands of euros.

Other mandatory requirements for riding

In addition to insurance, Law 5/2025 also establishes:

✔ Certificate of circulation

The manufacturer must certify that your PLV complies with the technical requirements established by the DGT.

✔ Registration with the DGT

The DGT will soon launch a dedicated online platform allowing users to register their vehicles.

✔ Visible identification (similar to a licence plate)

How can I know if my scooter is fully compliant and legal to ride?

To make sure your electric scooter complies with the new Law 5/2025, you should check four key elements: certification, registration, identification and insurance. First, your scooter must have a certificate of circulation issued by the manufacturer, confirming that it meets the DGT’s technical requirements (maximum speed, power, braking system, stability, etc.). In addition, the vehicle must be registered with the DGT and display a visible identification plate, similar to a licence plate, linking it to its owner. Finally, it must have a valid third-party liability insurance policy. If your scooter meets these four requirements, you will be able to ride legally and with peace of mind, fully protected in the event of any incident.

At Youin, we have the solution for your electric mobility

At Youin, we provide the solution for riding safely and fully compliant with the law. We not only offer mandatory insurance for electric scooters and other PLVs, but also insurance for electric bikes, even though it is not legally required.

This way, you can protect your vehicle, your safety and your peace of mind in any situation. We offer different levels of coverage, from basic plans to more comprehensive options including theft protection, roadside assistance and legal support, so you can choose the policy that best fits your needs. Below, we present our 4 insurance options for electric bikes and scooters.

YOUIN PROTECT SCOOTER: €31.48

Designed to comply with the mandatory legal requirements of Law 5/2025 for electric scooters and other PLVs.

Coverage includes:

• Accidental death cover up to €6,000
• Total or partial permanent disability cover up to €6,000
• Third-party liability for personal injury up to €6,450,000
• Third-party liability for material damages up to €1,350,000
• Damage claims assistance
• Legal assistance and administrative support

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YOUIN PROTECT SCOOTER PREMIUM: €69.52

The most complete insurance option for electric scooters, combining legal compliance, personal protection and theft coverage.

Coverage includes:

• Accidental death cover up to €6,000
• Total or partial permanent disability cover up to €6,000
• Medical expense reimbursement up to €2,000
• Roadside assistance
• Third-party liability for personal injury up to €6,450,000
• Third-party liability for material damages up to €1,350,000
• Damage claims assistance
• Legal assistance and administrative support
• Scooter theft protection (insured value)

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YOUIN PROTECT BIKE: €26

The ideal option for riders looking for comprehensive electric bike protection at an affordable price.
Includes personal, legal and third-party liability coverage.

Coverage includes:

• Accidental death cover up to €6,000
• Total or partial permanent disability cover up to €6,000
• Medical expense reimbursement up to €2,000
• Roadside assistance
• Third-party liability cover up to €150,000
• Damage claims assistance
• Legal assistance and administrative support

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YOUIN PROTECT BIKE PREMIUM: €87.44

Designed for riders seeking maximum protection, including vehicle theft coverage and extended protection plans.

Coverage includes:

• Accidental death cover up to €6,000
• Total or partial permanent disability cover up to €6,000
• Medical expense reimbursement up to €4,000
• Roadside assistance
• Third-party liability cover up to €300,000
• Damage claims assistance
• Legal assistance and administrative support
• Rescue and recovery expense reimbursement up to €12,000
• Vehicle theft protection (specified insured value)

Conclusion

Law 5/2025 marks a turning point for urban mobility.
Mandatory insurance for electric scooters is not only a legal requirement: it is also a way to guarantee everyone’s safety and professionalise the use of electric mobility.