Mandatory insurance for electric scooters: What changes with the new law?

What does the new law say about electric scooters?

A new law imposing mandatory civil liability insurance for certain motorized personal mobility vehicles came into effect on June 20, 2025. The aim is to protect users and third parties in case of accidents.

Which vehicles need compulsory insurance?

The law applies to electric scooters and other similar vehicles that meet at least one of the following criteria:

• They reach speeds over 25 km/h.
• Weigh more than 25 kg and reach speeds over 14 km/h.

Examples of vehicles covered:

• Fast electric scooters;
• Electric scooters.
• Segways with powerful motor;
• Hoverboards with high speed.

What changes for those who use electric scooters?

Mandatory insurance

From now on, anyone driving vehicles covered without liability insurance can be fined. This insurance covers damages caused to third parties. Insurance.

Active monitoring.

The PSP will be the entity responsible for enforcing this new requirement. Drivers caught without insurance may face fines and other penalties.

New obligations for sales and rental companies

Companies that sell or rent electric scooters and other covered vehicles must:

• Inform customers about the mandatory insurance requirement.
• Include insurance as part of the rental options, whenever applicable.
• Ensure that the vehicles sold or rented comply with legal criteria.

What remains the same with the new law?

Electric bicycles do not need insurance.

Even with a motor, electric bicycles are excluded from the mandatory insurance requirement, as long as they comply with the technical characteristics defined by law. (Source: source)

Helmet still recommended

The use of helmet is not mandatory for electric scooter users, but it is still strongly recommended. For electric bicycles, wearing a helmet remains mandatory by law.

The importance of considering insurance, even without obligation.

Portuguese Road Prevention (PRP) recommends that, even when not mandatory, users consider the contracting of civil liability insurance. Accidents can happen at any time and insurance ensures legal and financial protection. (Source: https://www.poupancanominuto.com/artigos/seguros/vai-viajar-este-verao-estes-sao-os-seguros-que-deve-contratar-antes-de-sair-de-casa)

The new law marks an important step in regulating urban mobility. The mandatory insurance for electric scooters and other motorized vehicles aims to strengthen road safety, promote responsible use of these means of transport, and reduce risks for everyone.

If you have an electric scooter or plan to buy/rent one, confirm if your model requires insurance and make sure you comply with the law.

Protect yourself now: Hire your insurance with the help of experts from Poupança no Minuto.

Avoid fines and drive with tranquility! The insurance mediators from Poupança no Minuto help you find the most suitable civil liability insurance for your electric scooter or other personal mobility vehicle, at the best price and without complications.

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