Overview
- Mandatory coverage linked to registration is on hold until the Jefatura Central de Tráfico registry is legally approved and operational, according to the DGT.
- Heavier or faster personal mobility vehicles—over 25 kg and capable of more than 14 km/h—must still be insured by 26 January 2026 without prior registration.
- When the system opens, obtaining the policy will require inscription in the registry and an identifying label or, where applicable, a plate.
- Law 5/2025 names the Consorcio de Compensación de Seguros as guarantor for personal-injury claims from uninsured vehicles, with property damage excluded.
- No timeline has been announced for opening the registry, and fines of €200–€1,000 for uninsured light VMPs will only apply once the obligation becomes enforceable.