The Portuguese Insurance Regulator (ASF) has highlighted how Decree-Law 26/2025, which transposes Directive (EU) 2021/2118, changes the definition of a “vehicle” that must be covered by compulsory motor third-party liability insurance (SORCA). The ASF notes that most personal mobility devices currently used in Portugal, such as bicycles and e-scooters, will generally fall outside the compulsory insurance perimeter if they remain within the new speed and weight limits. Under the new regime, SORCA applies to vehicles intended to travel on the ground, propelled exclusively by mechanical force, and with a maximum design speed above 25 km/h, or alternatively a net weight above 25 kg combined with a maximum design speed above 14 km/h. The ASF cautions that certain more robust devices, including some higher-powered electric scooters and e-scooters often bought via online platforms, may meet this definition and therefore require motor third-party liability cover. It also notes that, even where such devices are legally prohibited from circulating on public roads under the Portuguese Highway Code, they must still be insured and may already be subject to fines and seizure due to the circulation ban.
Portuguese Insurance Regulator (ASF) 2025-06-20
Portuguese Insurance Regulator warns some high-powered personal mobility devices may require compulsory motor liability insurance
The Portuguese Insurance Regulator (ASF) clarified that Decree-Law 26/2025, transposing Directive (EU) 2021/2118, redefines vehicles needing compulsory motor third-party liability insurance (SORCA). Most personal mobility devices like bicycles and e-scooters are excluded if they meet new speed and weight limits, but certain high-powered devices may still require coverage. The ASF also notes that devices banned from public roads must still be insured and may face fines and seizure.