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Person riding an electric scooter in a city street, Allianz e-scooter insurance in Spain

E-scooter insurance in Spain

Since 2 January 2026, third-party liability insurance is compulsory for electric scooters in Spain. Ride legally and protect yourself and others with liability cover, legal defence and medical assistance, arranged in English by your local Allianz agent.

Third-party insurance has been compulsory for e-scooters in Spain since 2 January 2026. Get liability, legal and medical cover, arranged in English.

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Compulsory third-party liability icon

Compulsory third-party liability

Medical assistance and expenses icon

Medical assistance and expenses

Legal defence and claims for damages icon

Legal defence and claims for damages

Plans

Choose the cover that suits how you ride

Basic (liability) icon

Basic (liability)

The essential, affordable option to comply with the law: third-party liability, expert legal defence and claims for damages.

Complete icon

Complete

Everything in Basic, plus protection for your own physical wellbeing: rider accident cover and full access to our medical assistance.

Compare Allianz e-scooter insurance plans

Cover
Basic
Complete
Third-party liabilityE-scooter Insurance in Spain | Compulsory Since 2026 | AllianzE-scooter Insurance in Spain | Compulsory Since 2026 | Allianz
Legal defenceE-scooter Insurance in Spain | Compulsory Since 2026 | AllianzE-scooter Insurance in Spain | Compulsory Since 2026 | Allianz
Claims for damagesE-scooter Insurance in Spain | Compulsory Since 2026 | AllianzE-scooter Insurance in Spain | Compulsory Since 2026 | Allianz
Rider accident cover—E-scooter Insurance in Spain | Compulsory Since 2026 | Allianz
Medical assistance—E-scooter Insurance in Spain | Compulsory Since 2026 | Allianz
E-scooter Insurance in Spain | Compulsory Since 2026 | Allianz Included Not included

Guide table based on the official Allianz e-scooter brochure (ref. 1050 1225, December 2025). Cover, limits and exclusions depend on the terms of your policy.

What’s covered

Legal and personal protection for your daily ride

Legal and personal protection for your daily ride

Riding an e-scooter is green and practical, but you share the road with cars and pedestrians. Our Allianz mobility policy meets the legal requirement and protects your savings against damage to others, and the Complete plan also compensates your own injuries after a fall or accident.

Riding an e-scooter is green and practical, but you share the road with cars and pedestrians. Our Allianz mobility policy meets the legal requirement and protects your savings against damage to others, and the Complete plan also compensates your own injuries after a fall or accident.

Third-party liability icon

Third-party liability

The core cover. If you accidentally hit a pedestrian or scratch a parked car while riding your scooter, we pay the compensation so your personal savings aren't at risk.

Legal defence icon

Legal defence

If someone takes legal action against you after an incident, Allianz's lawyers handle your criminal and civil defence and pay the legal costs.

Claims for damages icon

Claims for damages

If you're the victim, for example a car turns carelessly and knocks you off, our experts and lawyers claim the compensation you're owed.

Medical assistance for injuries icon

Medical assistance for injuries

Complete plan only. Falls from a scooter can cause serious injuries: the policy covers private medical care up to the insured limit so you're treated quickly.

Rider accident cover icon

Rider accident cover

Complete plan only. If you suffer a permanent disability or die in a serious accident while riding, the policy pays a fixed sum to you or your family.

Good to know

E-scooters in Spain: four things expats should know

Insurance is compulsory since January 2026 icon

Insurance is compulsory since January 2026

Law 5/2025 extended compulsory motor insurance to personal mobility vehicles. Since 2 January 2026, every e-scooter ridden on public roads needs third-party liability insurance.

Insurance is compulsory since January 2026 icon

Insurance is compulsory since January 2026

Law 5/2025 extended compulsory motor insurance to personal mobility vehicles. Since 2 January 2026, every e-scooter ridden on public roads needs third-party liability insurance.

The basic rules for e-scooters icon

The basic rules for e-scooters

Maximum 25 km/h, no riding on pavements, no passengers, and no phones or headphones while riding. Check your town's by-laws too: many require a helmet and set a minimum age.

The basic rules for e-scooters icon

The basic rules for e-scooters

Maximum 25 km/h, no riding on pavements, no passengers, and no phones or headphones while riding. Check your town's by-laws too: many require a helmet and set a minimum age.

Your scooter must be certified icon

Your scooter must be certified

E-scooters must meet the DGT's technical requirements and carry a certificate of circulation. Models without it can only be used for a limited transition period, so check yours before you buy second-hand.

Your scooter must be certified icon

Your scooter must be certified

E-scooters must meet the DGT's technical requirements and carry a certificate of circulation. Models without it can only be used for a limited transition period, so check yours before you buy second-hand.

Your home insurance won't cover it icon

Your home insurance won't cover it

Home insurance liability usually excludes motorised vehicles, and e-scooters count as vehicles. You need a specific policy, which is also what the law requires.

Your home insurance won't cover it icon

Your home insurance won't cover it

Home insurance liability usually excludes motorised vehicles, and e-scooters count as vehicles. You need a specific policy, which is also what the law requires.

Get your e-scooter insurance quote

Leave your phone number and the basic details of your scooter (brand, model and maximum speed), and an agent from our Murcia office will get back to you with your quote, in English.

FAQs

E-scooter insurance: frequently asked questions

AMB Seguros is an exclusive Allianz agency in the Region of Murcia helping e-scooter and personal mobility vehicle (VMP) riders comply with Spain’s compulsory insurance rules, with clear cover and advice in English.