International uncertainty and recent geopolitical tensions are having a direct impact on the way people travel. Cancellations, delays, and route changes are becoming increasingly common situations, and they have brought travel insurance into focus as an important element to consider.

Travel disruptions: what can happen

In the current context, some of the most frequent problems when traveling are:

• Flight cancellations or delays
• Itinerary changes
• Restrictions in certain destinations

Although many of these situations are beyond the traveler’s control, it is important to understand how they may affect the trip.

Passenger rights

In the European Union, there are protection mechanisms in place in case of air travel disruptions:

• Refund or alternative transport
• Assistance during waiting times
• Compensation in certain cases

However, when extraordinary circumstances arise, such as international conflicts, these rights may be limited.

Travel insurance: coverage and limitations

Travel insurance can extend protection against unforeseen events, but not all policies provide the same coverage.

A key point is that, in general, situations arising from armed conflicts are usually excluded, except under specific conditions.

For this reason, reviewing the actual scope of coverage is essential before traveling.

Basic recommendations before traveling

From an informational standpoint, it is advisable to:

• Review the coverage and exclusions of the insurance policy
• Check official recommendations for the destination
• Assess cancellation and assistance coverage

Good planning makes it possible to anticipate potential disruptions and travel with greater peace of mind.

Having clear and up-to-date information is key to making decisions before traveling. From the brokerage, we closely monitor these types of situations to help better understand risks and coverage, always from an informative perspective tailored to each case.

Source: Il·lustre Col·legi de Mediadors d’Assegurances de Barcelona

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With this new regulation, scooters are officially identified and their users must meet a series of requirements in order to circulate legally.

MANDATORY TO CIRCULATE

• Register the scooter with the DGT
• Carry a visible identification label
• Take out third-party liability insurance

WHICH SCOOTERS ARE AFFECTED?

The regulation applies to so-called Personal Light Vehicles (PLV):

• 1 person only
• Electric
• Speed between 6 and 25 km/h

That is, most electric scooters.

Required certificate: To register it, you need a circulation certificate that guarantees the scooter complies with the regulations.

SPECIAL CASE: OLD SCOOTERS

• Purchased before 22/01/2024: They can be used until 22/01/2027, even if they do not have a certificate
• Purchased after 22/01/2024: They must have a mandatory certificate
• From 22/01/2027 onwards: All scooters must be certified and approved

QUICK SUMMARY

If you have an electric scooter:

• Register it with the DGT
• Attach the label
• Take out insurance

Without this, you will not be able to circulate legally.

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Among the rules, it’s important to remember that:

• Drivers of these vehicles are subject to the same maximum alcohol limits set by the Road Safety Law, as well as the prohibition of driving under the influence of drugs
• They are also prohibited from wearing headphones or using a mobile phone orany other device while driving.
• They cannot ride on sidewalks and are prohibited from circulating on interurban roads, crossways, highways, expressways, or urban tunnels.

WHAT IS CONSIDERED A PERSONAL MOBILITY VEHICLE?

According to the General Vehicle Regulation, personal mobility vehicles are single or
multi-wheeled vehicles powered exclusively by electric motors, capable of providing a
maximum design speed between 6 and 25 km/h.

They can only be equipped with a seat or saddle if they have a self-balancing system.

To avoid putting any device into circulation on public roads, personal mobility vehicles must have the corresponding circulation certificate proving that the vehicle meets the applicable technical requirements according to national and international technical regulations.

The circulation certificate will be mandatory two years after the publication of the
manual.

For more information on prices and to even sign up directly, click the following link: check price and sign up.

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Traveling at your own pace, without limitations on breakfast, lunch, or dinner times, and having the freedom to move around are some of the main advantages of this type of tourism.

What insurance do I need?

This type of travel appeals to many, and more and more people are deciding to buy one of their own. However, we must not forget that it is still a vehicle on the road, so third-party
liability insurance is mandatory.

• You will need to take out mandatory third-party liability insurance with roadside
  assistance and coverage for glass and acrylic breaks. However, we recommend comprehensive insurance to ensure the most complete coverage in case of an accident.
• Since it’s also a type of accommodation, with personal belongings, furniture, and
  appliances inside, it is also advisable to take out a policy that covers this content.

We can help you review your existing insurance or explore the best option for your
caravan or motorhome. Contact us!

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