E-scooter insurance in Greece:
compulsory since 24 July 2026.

Updated 26 October 2026Reading time 11 minBy Leadinsure, registered insurance agent (no. ΧΑΝ/395) · How we are paid

Yes: since 24 July 2026, e-scooters in Greece must be insured. A new law, ν. 5322/2026, added article 27Α to ν. 4784/2021, which requires the owner or keeper of every light personal electric vehicle (Ελαφρύ Προσωπικό Ηλεκτρικό Όχημα, ΕΠΗΟ) to hold third-party liability insurance of at least €50,000 per incident and per year. That means e-scooters, electric skateboards, hoverboards and electric unicycles. An uninsured one means a €250 fine. The same law raised the minimum age for riders to 17 and banned the sale or rental of these vehicles to anyone younger. Ordinary bicycles and pedal-assist e-bikes are outside the new duty. This guide explains what the policy must include, why the serial number on your proof of insurance matters, the other rules for riders, and how to get insured. Rules checked in October 2026.

Is e-scooter insurance mandatory in Greece?

Yes. Article 78 of ν. 5322/2026 (ΦΕΚ Α' 117/24.07.2026) added article 27Α, «Υποχρέωση ασφάλισης Ελαφρών Προσωπικών Ηλεκτρικών Οχημάτων» (insurance duty for light personal electric vehicles), to ν. 4784/2021. The law took effect on publication (art. 99), and article 78 sets no later start date and no transition period, so the duty has applied since 24 July 2026.

• Who must insure. The owner or keeper of the vehicle (κύριος ή κάτοχος), not necessarily the person riding it. If the scooter is yours and your 17-year-old rides it, the duty to insure is yours.
• Which vehicles. Every light personal electric vehicle defined in article 4, item 17 of the Greek Road Traffic Code (ΚΟΚ, ν. 5209/2025), except sub-category αδ. How often you ride, or where, makes no difference.
• What the policy must cover. Third-party liability for the use of the vehicle, with at least €50,000 per incident and in total per year. The next section has the details.
• Fine. €250 for an uninsured light electric vehicle (art. 27Α §4).

One more case: a light electric vehicle that legally counts as a motor vehicle under the motor insurance decree (π.δ. 237/1986) is insured under that decree, like a car or motorbike, and not under article 27Α (art. 27Α §5).

What the policy must cover: €50,000 per event

Article 27Α §1 sets the minimum. The policy must cover general civil liability towards third parties (γενική αστική ευθύνη έναντι τρίτου) arising from the use of the vehicle, including the rider's liability, for bodily injury, death and damage to property that you cause to other people, with a limit of at least €50,000 per incident and €50,000 in total for all incidents in a year.

Why €50,000 is a floor, not a target

The limit is the most the insurer pays; it does not limit what you owe. Under article 914 of the Greek Civil Code, anyone who unlawfully and culpably harms another person must compensate them, so whatever exceeds your policy limit you pay yourself. A serious injury to a pedestrian, with hospital care, rehabilitation and compensation for pain and suffering, can exceed €50,000. Ask for proposals with a higher limit as well and compare the difference.

Proof of insurance: the serial number matters

Article 27Α §2 says insurance is proved by the policy itself or by a certificate of cover from the insurer that shows the policy details, the serial number of the vehicle (σειριακός αριθμός), the risks insured, the duration, the amounts and the terms. E-scooters have no number plates, so the serial number is what ties the policy to your scooter.

• Carry it when you ride. Riders of light electric vehicles must carry a valid identity document and proof of insurance (art. 103 §1 ΚΟΚ). Not carrying one of them is a separate category Ε1-Α offence (art. 103 §2), even if the scooter is insured.
• Family or home liability cover. Many home policies include family civil liability. A general liability cover that does not name the scooter or its serial number may not be enough as proof under the new rule, and some policies exclude motorised or electric vehicles altogether. Check the wording, and ask the insurer whether it can issue a certificate with your scooter's serial number and at least €50,000 of third-party cover.
• Your car or motorbike policy covers the vehicle named in it, not your e-scooter.
• Shared scooters. For scooters of licensed sharing operators, the proof can be shown electronically through the operator's app (art. 103 §1).

Fines and the other e-scooter rules

The new law changed more than insurance. These are the main rules for riders of e-scooters and other light personal electric vehicles under the Greek Road Traffic Code (ν. 5209/2025, as amended):

Ε1-Α, Ε2-Α and Ε3-Α are the Road Traffic Code's penalty categories: the amount of the fine depends on the category. For cars and motorbikes, the uninsured-vehicle fines and the state's electronic checks are explained in our guide to uninsured vehicle fines in Greece.

Is there an e-scooter register?

The same law provides for an electronic Register of Light Personal Electric Vehicles at the Ministry of Infrastructure and Transport, reached through gov.gr, for those who import, sell or own these vehicles (art. 27Γ ν. 4784/2021). The procedure and the penalties are set by a joint ministerial decision, so check gov.gr for the current position before you assume that you must, or need not, register.

If you have an accident

• Stop and help. The Road Traffic Code rules on what to do after an accident (art. 47) apply to e-scooter riders too.
• Call 112, the European emergency number, if anyone is hurt, and ask for the police to record the accident.
• Photograph the scene, the vehicles and any damage, and note the details of witnesses.
• Do not admit fault or pay anything on the spot. Report the incident to your insurer as soon as possible, within the deadline in your policy, even if you think you were not at fault.
• If a car hit you, you claim from that car's insurer, as in any road accident. Our guide to what to do after a road accident in Greece has the steps.

Shared e-scooters, e-bikes and hoverboards

Shared e-scooters

Licensed shared-mobility operators can meet the insurance duty with a single fleet policy (art. 27Α §3), and the proof of insurance can be shown electronically through their app (art. 103 §1 ΚΟΚ). You do not need your own policy to ride one, but the rider rules still apply to you: you must be 17 or older, wear a helmet, carry an identity document and take no passenger. Operators must check your age and must not rent to anyone under 17 (art. 27Β). The limits and exclusions of the fleet policy are the operator's, so read the terms in the app before your first ride.

E-bikes and ordinary bicycles

A bicycle, including a pedal-assist e-bike (pedelec) whose motor has a maximum continuous rated power of 0.25 kW and cuts out at 25 km/h or when you stop pedalling, is a bicycle under the Road Traffic Code (art. 4, item 59), not a light personal electric vehicle. We found no rule that makes insurance compulsory for it. You are still personally liable for harm you cause, so third-party cover, which a family liability policy may already provide, is worth having.

An e-bike with a motor above 0.25 kW, or with assistance that continues above 25 km/h, may legally be a moped (art. 4, item 36, categories L1e-A and L1e-B). It is then no longer a bicycle, and the rules for mopeds apply. Check the category on its certificate of conformity, and ask us before you insure it as a bicycle.

Hoverboards, electric skateboards and unicycles

These are light personal electric vehicles too (art. 4, item 17, αβ and αγ), so the same duty applies: third-party cover of at least €50,000, with the serial number on the proof, and the same rider rules, including the minimum age of 17 and the helmet. Electric wheelchairs, scooters and handbikes for people with disabilities belong to sub-category αδ and are excluded from the insurance duty, the age rule and the helmet rule.

How to insure your e-scooter

1. Note the serial number and keep the purchase invoice.
2. Check what you already have. If you hold home insurance with family liability cover, ask whether it includes light electric vehicles, at what limit, and whether a certificate with the serial number can be issued. Our home insurance guide explains what home policies usually include.
3. Choose the liability limit. €50,000 is the legal minimum; a higher limit protects you better.
4. Add what suits the scooter. Rider personal accident if you ride often; theft and own damage if the scooter or e-bike is expensive.
5. Tell us how you use it. Personal policies often exclude deliveries and other paid work, which need specific cover.
6. Keep the proof with you whenever you ride, together with your identity document.

The premium depends mainly on the liability limit, the extra covers, the value of the scooter and how you use it. We do not publish prices: we send you actual proposals for your scooter.

How Leadinsure can help

Leadinsure is an insurance agency (registered insurance agent) for individuals and businesses. We ask the insurers we work with for proposals for e-scooter liability, with or without rider accident and theft cover, and explain them side by side. If you already have a home or family liability policy, send it to us and we will tell you whether it meets the new rule. You pay us no separate fee: our commission is already included in the premium. Everything happens by phone, email and online, so it makes no difference where you are. Ask for an e-scooter insurance quote, call +30 28210 86065 or email info@leadinsure.gr. We reply within 24 hours on working days, with no obligation.

For an overview of all the cover Greek law makes compulsory, see insurance cover for individuals.

Frequently asked questions

Sources

The laws, decisions and official pages we checked for this guide. Many of them are in Greek.