Electric scooter insurance

An electric scooter is a vehicle like any other, and riding one always carries the risk of injuring someone or damaging property.
From 2026, it is a legal requirement to hold an insurance policy that covers specified limits through third-party liability (TPL) cover.Electric scooter insurance is compulsory in Spain from 2026 pursuant to Act 5/2025. This national regulation requires riders of personal mobility vehicles (PMVS) to hold a third-party liability insurance policy approved by the Directorate-General for Traffic (DGT) to cover property damage and injury to third parties.

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  • If you injure someone or damage something while riding your electric scooter, you’ll be covered.
  • Criminal defence and bail, claims for damage, defence against fines and legal advice over the phone.
  • Customised insurance

What types of scooters are covered by the insurance?

Category A electric scooters

Classified as Light Personal Vehicles (LPVs), these models have a total weight under 25 kg and a top speed of 25 km/h.

Icono técnico de Vehículo a Motor VM de tipo B con peso superior a 25kg

Category B electric scooters

Classified as Motor Vehicles (MVs), these scooters exceed 25 kg in weight and have a top speed of over 14 km/h.

are not included

Chopper

Icono de un Hoverboard

Hoverboard

Icono de un monociclo

Monociclo

Icono de un Segway

Segway

How can you tell if your e-scooter is certified?

If your e-scooter is already certified, you’ll need to arrange insurance cover.
If it isn’t, certification will be a mandatory requirement for use by 2027.
Certified models carry an aluminium identification plate or sticker with a matt black background, typically found on the underside.

  • MANUFACTURER'S PLATE: checklist

    Vehicles must feature a unique, permanent, and legible factory marking in a clearly visible position that cannot be reused on another vehicle, containing the following information:
    · Maximum speed
    · Serial or identification number
    · Certificate number
    · Year of manufacture
    · Make and model

What does AXA Scooter Insurance cover?

THIRD-PARTY LIABILITY

  • If someone is injured or you damage property in a road accident, we’ll cover the personal injury or property damage you have caused
  •  
  • Type A Scooter
    • · €6,450,000 per claim for personal injury
    • · €1,300,000 per claim for property damage
  •  
  • Type B scooter
    • · €70 million per claim for personal injury
    • · €15 million  per claim for property damage

OPTIONAL COVERS

To further enhance your protection and peace of mind when riding your electric scooter:

  • Personal Accident Cover: covers bodily injury resulting from an accident whilst riding an electric scooter and/or resulting in the death or permanent disability of the scooter rider.
  •  
  • Optional third-party liability: covers damage caused by fire or explosion of the scooter in any situation.
  •  
  • Legal protection service: criminal defence and bail, claims for damages, defence against administrative traffic offences and telephone legal advice.

 

Who can take out this insurance?

 

This insurance is available tolegal-aged individuals for an e-scooter intendedexclusively for private use, with no professional or commercial activities permitted.

 

The minimum legal age to ride an e-scooter is 16. The policyholder must be at least 18 years old; however, immediate family members aged 16 or over may be included as named drivers.

 

FAQ

These documents can be very helpful

  • Insurance product information document
  • Information note

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The terms set out on this website are subject to the terms and conditions and schedule of these policies and the insurance option taken out. The contract must also be current in payment.  

 

 

Legal and regulatory information: AXA Seguros Generales S.A. de Seguros y Reaseguros, registered address Calle Monseñor Palmer nº 1, 07014 Palma de Mallorca, is listed in the Directorate General of Insurance and Pension Funds (DGSFP) Administrative Register of Insurers under code C0723. Purchase of the insurance products offered on this website, including Electric Scooter Insurance (Scooter360), is subject to the terms and conditions and schedule in force at the time the policy is issued.