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Liability Insurance for Personal Mobility Rental Services (RC)
Operating a rental business in Spain involves inherent risks that you cannot fully control. Once a customer starts a scooter or bike, the legal responsibility for their actions on the road often points back to the business owner. A standard property insurance policy won't cut it. You need specialized General Liability (RC) coverage that handles compensation for pedestrian collisions, damage to parked cars, or any other third-party harm caused by the renter.
Who is it for?
Micro-mobility fleets
This policy is specifically designed for electric scooter, bicycle, and moped rental fleets. It shields your business from financial claims arising from accidents caused by your clients.
This policy is specifically designed for electric scooter, bicycle, and moped rental fleets. It shields your business from financial claims arising from accidents caused by your clients.
What is the cost?
From €350 per year
Pricing is determined by the number of units in your fleet and the chosen coverage limits. We offer competitive rates designed to maintain your rental service's profit margins.
Pricing is determined by the number of units in your fleet and the chosen coverage limits. We offer competitive rates designed to maintain your rental service's profit margins.
How fast?
Setup within 48 hours
We audit your fleet requirements and issue a contract that meets the 2026 municipal standards across Spain. Coverage begins as soon as the initial payment is confirmed.
We audit your fleet requirements and issue a contract that meets the 2026 municipal standards across Spain. Coverage begins as soon as the initial payment is confirmed.
Business Security in the 2026 Regulatory Landscape
Spanish municipal authorities have significantly tightened regulations for micro-mobility services in 2026. Having a General Liability policy is no longer just a way to avoid litigation—it is a mandatory requirement for obtaining and renewing operational licenses. If a client violates traffic laws or injures a passerby, medical bills and legal fees can reach tens of thousands of euros. Our goal is to shift these risks to the insurance provider, ensuring your operations remain stable.
Mandatory Coverage Parameters:
- A liability limit of at least €300,000 per claim.
- Explicit inclusion of damages caused by the renter, not just employees.
- Legal defense and judicial support for civil liability lawsuits.
- Compliance with the latest Ley de Seguridad Vial and local ordinances.
Tools to solve this problem
Zurich RC General
Liability Insurance for Personal Mobility Rental Services (RC)
The top choice for large-scale fleets
- Unlimited number of claims covered within the policy year.
- Low deductibles to minimize out-of-pocket costs for minor incidents.
- Dedicated claim manager for swift resolution of third-party disputes.
"Do not rely solely on rental agreement waivers where the client 'assumes all risk.' In Spanish courts, these clauses are often dismissed if the company lacks a valid RC policy. Ensure your insurance covers the user's negligence—it is the only way to truly protect your business assets from unexpected financial ruin."