traffic offences


Electric scooter insurance

DGT about electric scooters and similar transport


There has been an explosion in the use of electric scooters across our cities in Spain. A good number of places have seen an influx of companies competing to offer electric scooters for rent for the use of locals and tourists. Perhaps attracted at the low running costs and environmental benefits many individual people have also purchased their own electric powered scooter.

It is now possible to obtain Third Party Liability cover at a low cost to protect you and your family using these types of devices. Sometimes it is a simple adjustment to your existing home insurance policy but there are also standalone policies where you do not have a home insurance policy or your home insurance company does not offer this amendment. Feel free to contact us for a quotation.

With the boom in these vehicles, the Direccion general de Trafico (DGT) has issued some clarification as to what the responsibilities are for the users of these types of vehicle whilst we wait for new legislation.

The types of vehicles, that these instructions relate to, are known as VMPs (Vehículos de Movilidad Personal) or Personal Mobility Vehicles. According to the DGT instructions, a VMP is a vehicle with one or more wheels designed for a single person and propelled exclusively by electric motors that can provide the vehicle with a maximum design speed between 6 and 25 km / h

The following types of vehicles are not VMPs:
  • Vehicles without self-balancing system and with saddle.
  • Vehicles designed for competition.
  • Vehicles for people with reduced mobility.
  • Vehicles included in the scope of Regulation (EU) N2 168/2013: scooters with seats, motor cycles, two-wheel mopeds…. Remember that these vehicles require administrative authorisation to drive, circulate and have an insurance policy, in addition to the use of the helmet.

As a general rule, gadgets that do not exceed the speed of 6 km / h are considered toys.

To use a VMP you do not require a licence to circulate. Therefore, users of VMPs do not lose points on their driving licence when it is clear that the type of vehicle he is driving is a VMP.

However, that does not mean users are free from sanctions. They still have a responsibility to other people and themselves.

Behaviours that will incur a sanction

The DGT have set out some clear instructions for people and the authorities to understand the obligations of users of these types of transport.

  1. Users of personal mobility vehicles have to submit to alcohol and drug tests if required by the authorities. If the user fails the test, the sanctions are the same financial amount as if they were driving another vehicle. For example, in the case of being over the drink drive limit then the vehicle user will incur a fine. The amount is from 500€ to 1,000€. If the offence relates to the presence of drugs then the fine is 1,000€. If the driver tests positive for alcohol or drugs, the authorities immobilize the VMP, as is the case with other vehicles.
  2. Users cannot operate the vehicle whislt using a mobile phone or any other communication system manually. The penalty is € 200 (Article 12.2.5B of the RGC).
  3. Use of headphones or headphones connected to receiving devices or audio devices is also prohibited. The fine in these cases is € 200 (Article 12.2.5A of the RGC).
  4. Helmet and other protection elements. In the absence of a regulation in the General Circulation Regulation, the use of these elements is governed by the provisions of the corresponding Municipal Ordinance. In the event that the Ordinance regulates the mandatory use of a helmet, the user could be fined € 200 (art 118.1 of the RGC) and the immobilization of the vehicle in accordance with article 104.1.c) of the consolidated text of the Security Law Vial.
  5. You cannot use this type of transport on pavements or pedestrian areas. Article 121 of the RGC prohibits the movement of any vehicle on pavements (except for skateboards, skates or similar devices that do so exclusively under the self-propulsion of the person). Failure to abide by this can result in a fine of € 200.
  6. VMP and other electrically powered light vehicles are only authorised to transport one person, so that the movement of two people in VMP is punishable with a € 100 fine (Article 9.1.5.E of the RGC).
  7. It will be considered negligent and therefore punishable if you circulate at night without lights or reflective garments or aids. It is also a failure by the user to take the necessary diligence to make sure they are visible by the rest of the road users. In addition, it is a failure to take the necessary precaution to avoid putting oneself in unnecessary danger. The corresponding penalty is € 200 (article 3.1 of the RGC)
  8. Municipal ordinances are those that establish the prohibitions regarding the storage and parking of these vehicles. From the DGT, it is advocated that the pavement be pedestrian, but its regulation is exclusively municipal.
  9. In the case of infractions committed by someone under 18 years of age, the parents, guardians, and legal or de facto custodians will be jointly and severally liable for the infraction committed by the minor.
Commercialised vehicles similar to VMP but in fact they are not

Due to worldwide electronic commerce, it is possible to acquire a vehicle sold as a VMP but which in fact, does not meet the criteria set out in Spain.  The DGT warns of the importance of looking at the technical characteristics of the device, paying special attention to speed, which cannot exceed 25 km / h.

Using a vehicle similar to a VMP but, for example, that exceeds the maximum speed limit of 25 km / h and does not meet the requirements of Regulation (EU) No 168/2013. Such vehicles cannot circulate on the roads in Spain and their users will be denounced with a fine of 500€. The vehicle will be immobilized. This same applies to cases where a VMP has been manipulated to alter the speed or technical characteristics.

If you and your family use electric scooters or similar then get in touch for a free, no obligation quotation to protect you from any third party liabilities.


Our more than 30 years of experience in the industry proclaim us as the best in our field. We offer our clients the professionalism they require in these situations so we can give them an expat electric scooter insurance in Spain that meets their expectations.

Do not doubt anymore and contact us to start working on your home insurance in Spain.

electric skate insurance

Electric skate / bike included in your home insurance in Spain

Due to the increase of the use of electrical skates and bikes in all over our cities and due that there is no a clear regulation in Spain, at the moment, some Town Halls (Benidorm could be an example),   require to take out a Public Liability insurance.

To anticipate this situation, some Insurance Companies have included the option to add this guarantee under the home insurance policy for your property in Spain, for the policyholder and the family unit  living in the same address.   The cover includes the Public liability insurance and also the legal protection in order to provide the maximum protection to their clients.

It depends on the kind of vehicle and the amount insured (150.000€ /300.000E) the extra cost will be approximately 20€ per year.

However, it is also possible to get an independent policy, with higher covers. In the case of bicycles (electric or not) even is  possible insure them for thief outside home, road assistance, rescue, etc.

BMI insurane Brokers give personal attention answering your questions to find the best scooter insurance that fits your needs.

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Registered address vehicle Spain

How to change registered address of your vehicle in Spain

How to change registered address of your vehicle in Spain

It is important to keep your address records up to date in respect of your vehicle, especially if you have moved from one town or province to another.

You can change your address details in one of several ways. Traditionally, you had to make an appointment at the Regional traffic Office (Jefatura Provincial de Trafico). This meant taking time off work and perhaps travelling a significant distance with all the correct paperwork.

More recently, it has become much easier to make these administrative changes. Many town halls have an agreement with their regional traffic Office to collect the paperwork from the local population to make the change of address much simpler.

Not all town halls are signed up to the scheme but you can check to see if your town hall is by visiting this website (Town halls with agreement to process paperwork for Trafico).

If your town hall is on the list then you can change the address for your vehicle. You will need to complete a “solicitud de cambio de domiciliacion” and provide originals and copies of various documentation.

The completed form should then be returned to the Town Hall along with the following paperwork:

  • The original permiso de circulación (all pages including the front cover)
  • The original ficha técnica (all pages)
  • The certificate of Empadronamiento (which you can obtain from the Town Hall, of course)
  • Your original NIE document

Remember, you should be paying the taxes for your vehicle in the town where you live so it is important to keep the records up to date. Furthermore, if the authorities need to get in touch with you, then if they have the wrong address you will not receive the communication.

BMI brokers insurance give personal attention answering your questions to find the best insurance that fits your needs.



Driving in Spain- Expats

Road safety and general administrative procedures for vehicles, vehicle use and monitoring comes under the responsibility of various authorities, including local councils and state administration, through the traffic directorate general [Dirección General de Tráfico or DGT]. The autonomous communities are also responsible for matters such as vehicle technical inspection(ITV).

In all cases, to drive a vehicle in Spain you need to obtain the appropriate administrative paperwork (permits and licences) authorising you to drive a particular type of vehicle for a certain length of time.

When that period expires, you will need to renew your documentation.

*Artículo original ””

Foreign drivers: collection of fines for traffic offences (Spain)

It is important to consider that in Spain a plan is being put in place to track down drivers who are fined in Spain and live in another countries.

But traffic authorities admit payment will be ‘voluntary’ as there is no legal framework for pursuing fines in other countries.  This could happen either because it has been impossible to locate the drivers abroad, or because the authorities never bothered with a fine because the cars had foreign number plates.

Read more


Uk registered cars in Spain – insurance

Some foreign cars such as those from the use can be insured in Spain.

However, it is important to take into account that if you want to drive the car from your home country here in Spain for more than six months and you are a resident, then you are obliged by law to change the registration plate to a Spanish one.

If the vehicle has been in Spain for less than 6 months you can drive in Spain if you have the necessary agreement from your own country.

If after six months, the police detect that you still have not hanged the registration plate, you can be fined.