{"id":4100,"date":"2025-08-21T22:26:31","date_gmt":"2025-08-21T22:26:31","guid":{"rendered":"https:\/\/cjseguros.pt\/?p=4100"},"modified":"2026-04-24T11:03:25","modified_gmt":"2026-04-24T11:03:25","slug":"compulsory-insurance-for-electric-scooters-and-bikes-finds-out-what-changed-in-2025","status":"publish","type":"post","link":"https:\/\/cjseguros.pt\/en\/seguro-obrigatorio-para-trotinetes-ebicicletas-eletricas-descobre-o-quemudou-em-2025\/","title":{"rendered":"Compulsory insurance for scooters and electric bikes? Find out what will change in 2026"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Scooters and electric bicycles are already part of the routine for thousands of Portuguese.<br>From 20 June 2025, their use gained a new rule: with the entry into force of Decree-Law 26\/2025, the motor insurance scheme was extended to some micromobility vehicles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The big question is:<\/strong> does your scooter or bicycle need insurance?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The answer is simple: insurance is only compulsory if your micromobility vehicle exceeds certain technical limits defined by law, particularly in terms of speed and weight.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that the obligation to have insurance applies to equipment that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Exceed 25 kilometres per hour;<\/li>\n\n\n\n<li>Or weigh more than 25kg and can walk at more than 14 km\/h.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">The confusion and fines you can avoid<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Although the law is clear, its dissemination has caused some confusion.<br>A <strong>ANSR (National Road Safety Authority)<\/strong> clarified that most of the most common scooters and electric bicycles we see in cities are still exempt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, the <strong>ASF (Insurance and Pension Funds Supervisory Authority)<\/strong> pointed out that many more powerful devices - especially those bought online - may be subject to this new obligation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your vehicle fits these characteristics and you're driving without insurance, you're taking a risk:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fines of up to 3,500 euros;<\/li>\n\n\n\n<li>The seizure of the vehicle;<\/li>\n\n\n\n<li>The obligation to pay out of your own pocket for any damage you may cause in the event of an accident.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">How can you be sure?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The easiest way to find out if your vehicle needs insurance is to look at the manual or technical data sheet, checking the weight and maximum speed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you still have doubts, it's best to talk to a professional.<br>In <strong>CJ Seguros<\/strong>We'll analyse it with you and tell you, in a simple way, whether your vehicle needs insurance or not.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Safer and quieter travelling<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Even if you find out you don't have to, it's worth thinking about the risks.<br>Imagine an accident: someone injured, a car scratched... Civil liability insurance can cost you very little and save you a lot of damage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The new law has brought something new, but also an opportunity: a more protected and peaceful circular route.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In <strong>CJ Seguros<\/strong>We are ready to help you find the most suitable cover for your scooter or electric bicycle, ensuring that you always travel safely and in compliance with the law.<\/p>","protected":false},"excerpt":{"rendered":"<p>As trotinetes e bicicletas el\u00e9tricas j\u00e1 fazem parte da rotina de milhares de portugueses.A partir de 20 de junho de 2025, a sua utiliza\u00e7\u00e3o ganhou uma nova regra: com a entrada em vigor do Decreto-Lei n.\u00ba 26\/2025, o regime do seguro autom\u00f3vel foi alargado a alguns ve\u00edculos de micromobilidade. A grande quest\u00e3o \u00e9: ser\u00e1 que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4101,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/posts\/4100","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/comments?post=4100"}],"version-history":[{"count":0,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/posts\/4100\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/media\/4101"}],"wp:attachment":[{"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/media?parent=4100"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/categories?post=4100"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cjseguros.pt\/en\/wp-json\/wp\/v2\/tags?post=4100"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}