Buy online · Insurance brokers since 1985

Your electric scooter, insured in a few minutes

Electric scooter insurance is compulsory in Spain from 2 January 2026. Get your price and buy online: liability, personal accident, theft and damage cover, with a team to support you before you buy and when you need to make a claim.

Free, with no obligation · takes less than 2 minutes

41 years of experience Registered with Spain’s DGSFP Insurer: Divina Seguros From €44.77/year

It only takes a minute. Let’s start with your scooter.

Tell us about your scooter

We use these details to calculate your price. We only ask for what we need.

Brand

Model

Purchase date

Registration number (DGT registration, format M1234BBC)

Chassis number (optional)

Your data is encrypted in transit

And a little about you

These details will appear on your policy, so please enter your own details accurately. You are nearly ready to see your price.

Date of birth (aged 18 or over)

Sex

Marital status

✓ Price calculated for your scooter

Choose your cover

Three levels of cover, with the same personal service. Compare them and choose the one that suits you.

Insurer: Divina Seguros Secure purchase 14-day withdrawal period Offices in Las Rozas and Palencia

Nearly there: your final details

Enter these details to continue to secure payment. Your policy will follow once payment is authorised.

First name

First surname

Second surname (if applicable)

NIE

Email (where we send your policy)

Repeat your email

Telephone

Address in Spain

Number (building number only)

Spanish postcode

Town / municipality

I am the insured person

By continuing you accept the conditions. For policies lasting more than 14 days, you may withdraw within the first 14 days; shorter policies have no withdrawal right, as stated in the general conditions.

✓

Your scooter is now insured!

Your policy has been issued. We also send you a copy by email.

Product information (IPID, Spanish)

We have also emailed you the policy and IPID in Spanish.

Example prices

How much does electric scooter insurance cost in Spain?

Actual prices from our quoting system for a Xiaomi Scooter 4 Pro (2nd gen.) and a rider aged 36, current in 2026. Your price depends on the model: get a quote in a minute.

Basic

44,77 €

per year · 3,73 € per month

Compulsory third-party liability, rider personal accident and legal defence

Plus

71,24 €

per year · 5,94 € per month

Basic cover plus scooter theft

Premium

85,70 €

per year · 7,14 € per month

Plus cover plus scooter damage, hospitalisation and reconstructive surgery

Theft and scooter damage cover (Plus and Premium) can only be purchased within 30 days of buying the scooter. After that, only Basic is available. You need the scooter’s DGT registration number (format M1234BBC), its purchase date and must be aged 18 or over. The policy is sent by email when the purchase is complete.

Free, with no obligation · one minute

What does our electric scooter insurance cover?

Compare the cover available under each plan.

Electric scooter cover

Cover	Basic	Plus	Premium
Accidental death	✓	✓	✓
Accidental disability	✓	✓	✓
Medical assistance / expense reimbursement	✓	✓	✓
Compulsory third-party liability	✓	✓	✓
Claims recovery and legal defence	✓	✓	✓
Scooter theft	–	✓	✓
Scooter damage	–	–	✓
Hospitalisation following an accident	–	–	✓
Reconstructive surgery following an accident	–	–	✓

The difference

Why buy your electric scooter insurance through Sure Service?

Independent insurance brokers since 1985

We have been advising customers for 41 years, with a team of people behind every policy.

We compare insurers in each line of business

We help you choose the option that suits your needs.

Personal service from start to finish

We support you before you buy, during your policy and when you need to make a claim. A team you can call.

Offices in Las Rozas and Palencia

Real people you can call or visit when you need us.

Your questions answered

Electric scooter insurance: frequently asked questions

Is electric scooter insurance compulsory in Spain?

Yes. From 2 January 2026, Law 5/2025 requires personal light vehicles to have their own third-party liability insurance. The requirement has been enforceable since the DGT register opened on 30 January 2026. The statutory minimum limits are €6,450,000 for personal injury and €1,300,000 for property damage. These differ from the higher limits required for cars.

What happens if I have an accident without insurance?

Spain’s Consorcio de Compensación de Seguros compensates the injured party for injuries requiring healthcare or death, but not property damage under this arrangement, and then claims the full amount back from you. You may also face a penalty for riding without compulsory insurance.

Can a minor ride the scooter?

The policy covers the insured person and authorised riders aged 16 or over. The policyholder must be an adult. Riders under 16 are not covered, as confirmed by the insurer. If the main rider is aged 16 to 17, contact us before buying so we can advise you.

Which scooters can I insure?

Electric scooters registered with Spain’s DGT, with a registration number in the format M1234BBC. Choose the brand and model from the insurer’s catalogue, which includes more than 70 manufacturers.

How do Basic, Plus and Premium differ?

Basic covers rider personal accident, third-party liability and legal defence. Plus adds scooter theft. Premium also adds scooter damage, hospitalisation and reconstructive surgery. Plus and Premium can only be purchased within 30 days of buying the scooter; after that, only Basic is available. See our guide to electric scooter insurance (in Spanish) for details.

What third-party liability cover is included?

The policy covers liability for harm caused to other people with the scooter, up to €7,750,000, and includes claims recovery and legal defence.

How do I pay and what documents will I receive?

Pay the full first annual premium by card and provide your Spanish IBAN for renewals; both are required. After payment, the policy may take a few minutes. We send the policy and IPID by email. Divina Seguros supplies its documents in Spanish.

What do I need to use the English online form?

You must be aged 18 or over and have a valid NIE, an address in Spain and a Spanish bank account. The scooter must have its DGT registration number. This online form does not accept passports.

Other insurance available online (pages in Spanish)

Caravan and motorhome insurance All insurance available online Personal insurance

Useful guides (in Spanish)

Electric scooter insurance: cover and cost (Spanish)Electric scooter accidents: who pays for the damage? (Spanish)Compulsory insurance for scooters and personal light vehicles in 2026 (Spanish)

Free, with no obligation · takes less than 2 minutes

Read the general conditions (Spanish)Read the remaining legal information (Spanish)Insurance product information document (IPID, Spanish)