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The publication of Law no. 181/2025 extends the scope of mandatory Motor Civil Liability (RCA) insurance from traditional motor vehicles and trams to light electric mobility means. This normative act redefines the obligations of vehicle owners, with the primary goal of increased protection for third parties in the event of road accidents. This represents a more rigorous and comprehensive approach to traffic safety.
The legislative change introduces, as a central provision, the mandatory conclusion of an RCA insurance policy for users of electric scooters and bicycles as well.
Owners of the targeted vehicles have the legal obligation to conclude the scooter RCA insurance starting from November 16, 2025.
The necessity for RCA insurance applies only to electric scooters that exceed certain technical limits. These include vehicles that reach a maximum constructive speed greater than 25 km/h or those that have a curb weight of over 25 kg and a maximum constructive speed exceeding 14 km/h.
Non-compliance with the new obligation to hold scooter RCA insurance attracts the application of fines by the road police. Sanctions are applicable starting from December 13, 2025, and range between 1.000 and 2.000 RON.
The necessity for RCA insurance applies only to electric scooters that exceed certain technical limits. These include vehicles that reach a maximum constructive speed greater than 25 km/h or those that have a curb weight of over 25 kg and a maximum constructive speed exceeding 14 km/h.
Non-compliance with the new obligation to hold scooter RCA insurance attracts the application of fines by the road police. Sanctions are applicable starting from December 13, 2025, and range between 1.000 and 2.000 RON.
Although the legal obligation is in force, the actual issuance of scooter RCA policies depends upon the finalization and launch of the necessary technical norms by the Financial Supervisory Authority (ASF), followed by their implementation by insurance companies.
From the amendments to the RCA Law (Law no. 181/2025) for the transposition of EU Directive 2118/2021, the information related to scooter RCA is as follows:
From the amendments to the RCA Law (Law no. 181/2025) for the transposition of EU Directive 2118/2021, the information related to scooter RCA is as follows:
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