17310 Lloret de Mar
Sunday and Monday: CLOSED
Until now, travelling by electric scooter was synonymous with almost unlimited freedom. However, the urban ‘jungle’ phase is coming to an end. The year 2026 marks a paradigm shift with Law 5/2025, which transforms Personal Mobility Vehicles (PMVs) into Light Personal Vehicles (LPVs) with strict legal obligations.
As insurance experts in Lloret de Mar, at Gabinet Senia & Associats we explain how this regulation may affect you.
The new legislation classifies scooters as motor vehicles for the purposes of civil liability. According to Law 5/2025, insurance is no longer recommended, but mandatory.
Important note: from 26 January 2026, insurance will be compulsory for all vehicles travelling at speeds between 6 and 25 km/h.
Despite the size of a marine vehicle, an accident on public roads can lead to astronomical compensation claims. Regulations require minimum coverage of:
Personal injury: up to €6,450,000 per accident.
Property damage: up to €1,300,000 per accident.
Note: Compulsory insurance only covers third parties. As exclusive agents of MGS Seguros, we recommend adding coverage for driver injury or theft, as these are not included in the basic policy.
From 2026 onwards, your vehicle will no longer be anonymous, although there are important nuances in the timetable:
Registration on hold: The DGT has postponed official registration until the Royal Decree is fully operational.
The 2027 deadline: if you purchased your scooter before January 2024, you have until 2027 to drive without a registration certificate, but insurance will follow its own schedule.
One of the key points is the definition of ‘in use’. Now, the scooter is considered to be in use even when it is parked. If your scooter falls over and causes damage to a pedestrian or a car, your MVPD insurance will have to respond. This eliminates the legal loopholes that home insurance policies often did not cover.
Failure to comply with the regulations within the established deadlines will have serious consequences:
The era of toys is over, giving way to a ‘serious’ vehicle with rights and responsibilities. At Gabinet Senia & Associats, with more than 25 years of experience in Lloret de Mar, we help you choose the best insurance for your scooter, with the backing of MGS Seguros.
Would you like to know if your current policy complies with the new Law 5/2025? Come and see us at our office in Lloret de Mar or book an appointment for personalised advice.
As experts in MGS insurance in Lloret de Mar, at Gabinet Senia & Associats we adapt our services to the new reality of urban mobility. Managing an electric scooter in 2026 is no longer an individual matter, but directly affects the coexistence and safety of your community of owners.
Although the law allows driving on private property, the current legal and tax complexity, together with the new concept of ‘act of driving’ (which includes parked vehicles), makes it highly advisable to take out a professional insurance policy to avoid civil and criminal liability towards the public.
Having a licensed administrator who is also an insurance agent is synonymous with guarantee and professional ethics. We ensure that your VMP coverage is perfectly coordinated with your community and home insurance, avoiding overlaps or legal loopholes.
It’s very simple. We take care of reviewing the current state of the property, propose the necessary adaptations to community regulations (loading areas, lift access) and call a meeting to approve them. We make the transition to new mobility in 2026 easy and stress-free.
The peace of mind of your home and the security of your travels begin with good management. At Gabinet Senia & Associats, we combine the personalised service of a local company in Lloret de Mar with the professionalism of 25 years of experience.
We offer appointments in advance so that we can give you the time you deserve without any waiting.
Contact us for a no-obligation quote for your scooter insurance or for the comprehensive management of your community.
PRIVACY POLICY SUMMARY
We detail the treatment of your data:
We process the collection of fees set by the Community, which you can make by direct debit to your account or by bank transfer to your Community account or by bank deposit into your Community account.
We do not handle cash payments at our offices.
