{"id":903,"date":"2025-08-05T10:29:06","date_gmt":"2025-08-05T08:29:06","guid":{"rendered":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/?p=903"},"modified":"2025-08-05T10:32:30","modified_gmt":"2025-08-05T08:32:30","slug":"reforma-de-la-ley-de-responsabilidad-civil-en-la-circulacion-el-seguro-obligatorio-se-amplia-a-nuevos-vehiculos","status":"publish","type":"post","link":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/reforma-de-la-ley-de-responsabilidad-civil-en-la-circulacion-el-seguro-obligatorio-se-amplia-a-nuevos-vehiculos\/","title":{"rendered":"Reform of the Civil Liability Law on Traffic: mandatory insurance is extended to new vehicles"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"903\" class=\"elementor elementor-903\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1a3c5cb e-flex e-con-boxed e-con e-parent\" data-id=\"1a3c5cb\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfa9822 elementor-widget elementor-widget-text-editor\" data-id=\"dfa9822\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.16.0 - 09-10-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"color: #000000;\">Law 25\/2005 introduces important changes to mandatory insurance, including the future requirement for insurance for personal mobility vehicles (PMVs), such as electric scooters.<\/span><\/p><p><span style=\"color: #000000;\"><strong>Introduction<\/strong><\/span><\/p><p><span style=\"color: #000000;\">The year 2025 brought a key reform to the insurance sector. With the transposition of Directive (EU) 2021\/2118 through Law 25\/2005, Spain updated its Law on Civil Liability and Insurance in the Circulation of Motor Vehicles (LRCSCVM). This reform expands the concept of a motor vehicle, redefines the fact of circulation, and, for the first time, establishes mandatory insurance for light personal vehicles. In this post, we explain clearly and concisely the most relevant points that will affect drivers, owners, and insurance companies.<\/span><\/p><p><strong><span style=\"color: #000000;\">1. Redefinition of key concepts<\/span><\/strong><\/p><p><span style=\"color: #000000;\">The law updates the concept of liability, linking it to the risk of driving, not simply to that of operating. This consolidates the objective nature of this liability.<\/span><\/p><p><span style=\"color: #000000;\">Motor vehicles are also redefined to include any self-propelled land vehicle that exceeds certain speed limits (25 km\/h) or weight limits (25 kg). The requirement for a registration or driving permit for this classification is eliminated.<\/span><\/p><p><span style=\"color: #000000;\">The fact of circulation extends to any use consistent with the transport function, even if the vehicle is stopped, regardless of the terrain or the purpose of the journey.<\/span><\/p><p><strong><span style=\"color: #000000;\">2. New insurance obligations<\/span><\/strong><\/p><p><span style=\"color: #000000;\">The obligation to take out civil liability insurance is extended to:<\/span><\/p><p><span style=\"color: #000000;\">\u2013 Electric-assist bicycles with speeds exceeding 25 km\/h.<\/span><\/p><p><span style=\"color: #000000;\">\u2013 Light vehicles of category L1eB and others with advanced auxiliary propulsion.<\/span><\/p><p><span style=\"color: #000000;\">\u2013 Light personal vehicles (LPVs), such as electric scooters, provided that: \u2013 They are registered with the DGT (Directorate General of Traffic). \u2013 They have a vehicle registration certificate. \u2013 They bear a license plate or identification tag.<\/span><\/p><p><span style=\"color: #000000;\">These vehicles must have insurance covering: \u2013 \u20ac6,450,000 for personal injury. \u2013 \u20ac1,300,000 for property damage.<\/span><\/p><p><span style=\"color: #000000;\">Important: Mandatory insurance for PMVs will not come into effect immediately, but will instead be enforced when the regulations governing their registration and identification are published. This regulation must be approved by January 2, 2026.<\/span><\/p><p><strong><span style=\"color: #000000;\">3. Exceptions and particularities<\/span><\/strong><\/p><p><span style=\"color: #000000;\">The following are exempt from the insurance obligation:<\/span><\/p><p><span style=\"color: #000000;\">\u2013 Trailers under 750 kg.<\/span><\/p><p><span style=\"color: #000000;\">\u2013 Vehicles that have been decommissioned or are not intended for transport.<\/span><\/p><p><span style=\"color: #000000;\">\u2013 VMP for people with reduced mobility.<\/span><\/p><p><span style=\"color: #000000;\">\u2013 Pedal-assisted bicycles up to 25 km\/h and motor less than 250W.<\/span><\/p><p><span style=\"color: #000000;\">Intentional uses, sports competitions on closed circuits, or use in restricted areas (airports, ports, etc.) are also not considered &quot;traffic events.&quot;<\/span><\/p><p><strong><span style=\"color: #000000;\">4. Administrative measures and additional guarantees<\/span><\/strong><\/p><p><span style=\"color: #000000;\">\u2013 Insurers must issue accident certificates within a maximum of 15 days.<\/span><\/p><p><span style=\"color: #000000;\">\u2013 The insurer may not oppose exclusions to the victim other than those expressly provided for by law.<\/span><\/p><p><span style=\"color: #000000;\">\u2013 The Insurance Compensation Consortium extends its coverage to situations excluded from compulsory insurance, provided that no financial guarantee has been provided.<\/span><\/p><p><strong><span style=\"color: #000000;\">5. New compensation limits and update of the scale<\/span><\/strong><\/p><p><span style=\"color: #000000;\">The new minimum limits for civil liability coverage are set at: \u2013 \u20ac6,450,000 for personal injury. \u2013 \u20ac1,300,000 for property damage.<\/span><\/p><p><span style=\"color: #000000;\">Likewise, the amounts and criteria for the compensation scale have been updated, which could lead to an increase in premiums and adjustments to the sector&#039;s combined ratio.<\/span><\/p><p><span style=\"color: #000000;\">It will also impact compensation for workplace accidents and the need to establish a sufficient sublimit per victim for employer liability.<\/span><\/p><p><strong><span style=\"color: #000000;\">6. Transitional period<\/span><\/strong><\/p><p><span style=\"color: #000000;\">For vehicles that are now considered &quot;motor vehicles&quot; under this reform, a six-month period is established from the date of publication in the Official State Gazette (BOE) to obtain mandatory insurance. During this time, they will not be penalized, although they will be considered &quot;uninsured vehicles&quot; for the purposes of the Consortium.<\/span><\/p><p><span style=\"color: #000000;\">Vehicles with motor vehicles (VMPs) will be required to purchase mandatory insurance once the corresponding regulations come into force, which must be approved before January 2, 2026.<\/span><\/p><p><strong><span style=\"color: #000000;\">Conclusion<\/span><\/strong><\/p><p><span style=\"color: #000000;\">The reform of the LRCSCVM strengthens victim protection and adapts the legislation to new modes of mobility. For insurers and industry professionals, this represents both an opportunity and a challenge: products, procedures, and commercial strategies will need to be adapted to this new regulatory reality before 2026.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>La Ley 25\/2005 introduce importantes cambios en el seguro obligatorio, incluyendo la futura exigencia de aseguramiento para veh\u00edculos de movilidad personal (VMP), como patinetes el\u00e9ctricos. Introducci\u00f3n El 2025 ha tra\u00eddo una reforma clave en el \u00e1mbito asegurador. Con la transposici\u00f3n de la Directiva (UE) 2021\/2118 a trav\u00e9s de la Ley 25\/2005, Espa\u00f1a actualiza su Ley [&hellip;]<\/p>","protected":false},"author":2,"featured_media":912,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[17,18,14,20,19,13,16,15,21,11,12],"class_list":["post-903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria","tag-consorcioseguros","tag-dgt","tag-ley25_2005","tag-movilidadurbana","tag-normativavehiculos","tag-patineteselectricos","tag-reformaseguros","tag-responsabilidadcivil","tag-segurosobligatorios","tag-segurosrc","tag-vmp"],"_links":{"self":[{"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/posts\/903","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/comments?post=903"}],"version-history":[{"count":7,"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/posts\/903\/revisions"}],"predecessor-version":[{"id":913,"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/posts\/903\/revisions\/913"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/media\/912"}],"wp:attachment":[{"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/media?parent=903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/categories?post=903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cggestionderiesgosyseguros.cgseguros.es\/en\/wp-json\/wp\/v2\/tags?post=903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}