Do Electric Scooters Need Insurance in Greece?

The answer depends on the legal category of the vehicle.

Following new Greek legislation introduced in July 2026, electric kick scooters now need compulsory third-party liability insurance. Electric mopeds also generally require insurance, including 25 km/h models that can legally be driven without a driver's licence.

A standard legal 250W pedal-assist electric bicycle, however, remains classified as a bicycle and does not require compulsory motor insurance.

In short:

• Electric kick scooter / electric patini: Insurance required
• Electric moped limited to 25 km/h: Insurance required, although no driver's licence is required
• Electric moped up to 45 km/h: Insurance and the appropriate driver's licence required
• Standard 250W / 25 km/h pedal-assist electric bike: No compulsory insurance

These are national Greek rules, so they apply in Athens, Thessaloniki, Crete, Rhodes, the Greek islands and everywhere else in Greece.

Do electric kick scooters need insurance in Greece?

Yes.

On 24 July 2026, Greece published Law 5322/2026. Article 78 introduced a compulsory insurance obligation for Light Personal Electric Vehicles, known in Greek as Ελαφρά Προσωπικά Ηλεκτρικά Οχήματα (Ε.Π.Η.Ο.).

Electric kick scooters — commonly called electric patinia in Greece — fall within the E.P.H.O. category under the Greek Road Traffic Code.

The owner or holder must have third-party liability insurance covering damage arising from the circulation of the vehicle.

The compulsory coverage includes:

• Bodily injury to third parties
• Death
• Property damage

The legislation specifies minimum third-party liability coverage of €50,000 per incident and in total per year.

The insurance documentation must also identify the electric vehicle, including its serial number.

Source: Law 5322/2026, Article 78, which adds Article 27A to Law 4784/2021.

What is the fine for riding an uninsured electric kick scooter?

The same legislation provides for an administrative fine of €250 if an E.P.H.O. that is subject to the insurance obligation is used without the required insurance.

This means that if you regularly use an electric kick scooter on public roads in Greece, insurance is no longer simply optional.

For rental businesses and shared-mobility operators, Law 5322/2026 also explicitly allows the insurance obligation to be met through a fleet insurance policy.

Source: Law 5322/2026, Article 78.

But aren't electric kick scooters treated like bicycles in Greece?

This is where the legislation can be confusing.

Electric kick scooters with a maximum design speed of up to 25 km/h follow many of the same traffic rules as bicycles.

However, this does not mean they are legally bicycles for every purpose.

The Greek Road Traffic Code separately defines E.P.H.O. vehicles and bicycles, while Law 5322/2026 specifically introduces an insurance requirement for E.P.H.O. vehicles.

So:

Electric kick scooter up to 25 km/h = compulsory insurance.

Being subject to bicycle-like road rules does not remove the new insurance obligation.

Source: Greek Road Traffic Code, Law 5209/2025, Article 4, together with Law 5322/2026, Article 78.

Does a 25 km/h electric moped without a driver's licence need insurance?

Yes.

This is one of the most important distinctions to understand when buying an electric scooter or moped in Greece.

A vehicle can legally be driven without a driver's licence and still require insurance.

Greek legislation specifically states that a driving licence is not required for a moped with a maximum construction speed of up to 25 km/h.

Law 4784/2021 amended the Greek driving-licence rules to state:

For mopeds with a maximum construction speed of up to 25 km/h, possession of a driving licence is not required.

The minimum age for riding this category is 15 years.

However, this exemption only concerns the driver's licence.

The vehicle itself remains legally a moped.

It does not become a bicycle simply because its speed is restricted to 25 km/h.

Does a licence-free electric moped need a licence plate and insurance?

Yes.

The official Greek government procedure for issuing a moped registration confirms that a temporary registration document is first issued so that the owner can insure the moped before the final registration process is completed.

The Greek National Registry of Administrative Procedures also states that, when transferring a moped, a valid insurance policy must be presented before the registration licence is collected.

Therefore, a typical road-going electric moped limited to 25 km/h can have the following situation:

• No driver's licence required
• Registration required
• Licence plate required
• Insurance required

These are separate legal requirements.

For a normal legal electric bicycle, no compulsory motor insurance is currently required.

The Greek Road Traffic Code, Law 5209/2025, defines a bicycle as a vehicle powered by the rider that may also have an auxiliary electric motor with a maximum continuous rated power of 250W.

For a standard electric bicycle to remain within this bicycle category:

• The maximum continuous rated motor power must be 250W
• The motor must assist the rider
• Assistance must progressively reduce as speed increases
• Motor assistance must stop at 25 km/h
• Motor assistance must stop earlier if the rider stops pedalling

A compliant pedelec that meets these requirements remains legally classified as a bicycle.

Therefore:

Legal 250W pedal-assist e-bike limited to 25 km/h = no compulsory motor insurance.

You can still choose to insure your electric bicycle voluntarily, for example against theft, damage or third-party liability.

What about powerful or unlocked electric bikes?

This requires more attention.

Not every vehicle advertised as an "electric bike" necessarily meets the legal definition of a bicycle.

For example, if a vehicle:

• has a more powerful motor
• continues motor assistance above 25 km/h
• can be propelled independently in a way that takes it outside the standard pedelec definition
• has a different European type-approval category

it may no longer be legally treated as a normal bicycle.

The Greek Road Traffic Code separately recognises L1e-A powered cycles, for example, with assisted power of up to 1 kW, as well as L1e-B mopeds.

Depending on the official vehicle classification, requirements can include:

• Insurance
• Registration
• A licence plate
• A driver's licence
• Additional road-use requirements

This is why you should check the Certificate of Conformity (CoC) and official vehicle classification rather than relying only on the name used by the seller.

A fat bike with pedals, for example, is not automatically legally considered a bicycle simply because it looks like one.

The English word "scooter" causes a lot of confusion.

An electric kick scooter is the standing vehicle commonly called an electric patini in Greece. It normally falls under the E.P.H.O. rules.

An electric moped is a road-going motor vehicle, normally with a seat. A model restricted to 25 km/h can potentially be driven without a driver's licence, but it remains a moped and generally requires registration and insurance.

An electric bicycle is different again. A standard 250W pedelec with assistance stopping at 25 km/h remains legally a bicycle.

This means three electric vehicles can all have a maximum speed of 25 km/h, while completely different insurance and registration rules apply to them.