Civil liability insurance, commonly referred to as third-party insurance, has historically been optional for e-scooters in Spain.
Key insurance requirements:
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Every registered electric scooter must carry valid civil liability insurance covering damages to people and property caused during use.
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Policies must meet minimum coverage standards, which are substantial:
• At least €6.45 million per incident for personal injury
• At least €1.3 million for property damage
— mirroring similar requirements for cars.
If a policy doesn’t meet these thresholds, it may be considered invalid under the law, even if technically labelled as “insurance.”
