Summer Scooter Insurance: What You Need in Germany, Italy & Beyond
Introduction: Insurance Is No Longer Optional
Summer 2026 marks a turning point for e-scooter regulation across Europe. Several major countries have introduced or tightened insurance requirements. Riding without coverage is no longer a grey area — it is a costly risk .
This guide covers the latest insurance requirements in Germany, Italy, France, and Spain, so you can ride legally and with peace of mind.
Germany — Insurance Sticker Required
Germany has required e-scooter insurance since 2019, and the rules remain strict in 2026 .
What happens without insurance: Fines up to €1,500 or even imprisonment for driving without insurance . Uninsured riders face fines of up to €70 for riding without a valid sticker .
Italy — New Law from July 2026
Italy has introduced mandatory third-party insurance for e-scooters, effective 16 July 2026 .
| Requirement | Detail |
|---|---|
| Insurance | ✅ Mandatory from 16 July 2026 |
| Cost | €35-55 per year (basic coverage) |
| Fine for no insurance | €100-400 |
| Helmet | Mandatory |
| Speed Limit | 20 km/h |
Key points:
In Cagliari, nine riders were fined on the very first day the law took effect .
France — Insurance Mandatory Since 2019
France has required insurance for e-scooters since 2019 .
| Requirement | Detail |
|---|---|
| Insurance | ✅ Mandatory third-party liability |
| Fine | Up to €500 for first offence |
| Repeat offence | Up to €7,500 |
| Home insurance | Often does NOT cover scooters |
What the law says: E-scooters are classified as motorised personal mobility devices, and civil liability insurance is compulsory by law .
Spain — New Law from January 2026
Spain introduced mandatory insurance for Personal Mobility Vehicles (VMP) from 2 January 2026 .
| Requirement | Detail |
|---|---|
| Insurance | ✅ Mandatory liability insurance |
| Fine for no insurance | €250-800 |
| Vehicle registration | Required with DGT |
| Speed Limit | 25 km/h maximum |
Important: Home insurance no longer covers scooter liability in Spain. You need a dedicated VMP policy . The insurance only applies in Spain — not cross-border .
Quick Compliance Summary
No mandatory insurance: Ireland currently does not require insurance for e-scooters .
Frequently Asked Questions (FAQ)
Q1: Do I need insurance for my KuKirin in Germany?
Yes — liability insurance is mandatory and you must display the sticker on the rear fender .
Q2: Is scooter insurance compulsory in France?
Yes — third-party liability has been required by law since 2019 .
Q3: Does home insurance cover my e-scooter in Italy?
No — family home insurance does NOT cover e-scooters. You need a dedicated policy .
Q4: How much does e-scooter insurance cost in Germany?
Basic liability is €20-40 per year, with partial coverage options available for higher protection .
Q5: What is the fine for riding without insurance in Spain?
Fines range from €250 to €800 for driving without valid VMP insurance .
Q6: Will Italian insurance cover me outside Italy?
The new Spanish scheme does not apply cross-border. Check with your insurer before travelling .
Conclusion: Insurance Is the Law
Riding without insurance is no longer a grey area. As of 2026, Germany, Italy, France, and Spain all require scooter insurance.
| Country | Best KuKirin Model | Insurance Required? |
|---|---|---|
| Germany | G2 Pro ABE | ✅ Yes |
| Italy | G2 Master | ✅ Yes (from July 2026) |
| France | S1 Max / VMP | ✅ Yes |
| Spain | G2 Pro VMP | ✅ Yes (from Jan 2026) |
Ride legal, ride safe, ride insured.
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