insurance

The DGT ends the extension and anticipates mandatory insurance for 4 million vehicles

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They wanted to launch it on January 2, 2026 but at the end of December last year They confirmed that it would not be possible. Now, the DGT returns to the fray to try to organize everything related to light personal vehicles. That is, the scooters and derivatives that circulate on our streets. This time yes, this time there will be registration. Start-up. The DGT has confirmed that users of personal mobility vehicles (VMP) will have to register in the electronic traffic headquarters their electric scooters if they want to circulate in accordance with the law. Traffic wanted to have this measure ready with the start of the new year but it was today that the Council of Ministers gave the green light to the measure. In its last meeting, the Government approved the royal decree that regulates the operation of the Registry of Light Personal Vehicles to “comply with the first additional provision of Law 5/2025 of July 24, which modified the law on civil liability and insurance in the circulation of motor vehicles to introduce the obligation to insure all personal mobility vehicles, which came into force on January 2 pending the launch of the registry.” What does this mean? In short, if you have an electric scooter you will have to register it with Traffic. The measure is taken to have control of, according to the DGT, the four million personal mobility vehicles that circulate on our streets. The procedure is slightly different, as we will see later, depending on the age of the electric scooter but it is key because it is the first step to force the user to have insurance for your vehicle. The DGT already warns that not having it will be grounds for a fine “According to the provisions of the law on civil liability and insurance, lacking it will be penalized with between 202 and 610 euros and driving with a VMP without insurance with between 250 and 800 euros depending on whether it is considered a light personal vehicle or motor vehicle (more than 25 kilograms in weight and more than 14 kilometers/hour) by the aforementioned Insurance Law. They already have a certificate. In addition to registration and insurance, electric scooters must have a certificate in which all the technical characteristics of the electric scooter are collected. This allows an agent check if a scooter is complying with regulations or, on the contrary, it has been tricked to circulate above the maximum authorized speed of 25 km/h. This certification is collected with a plate on the chassis of the vehicle and is present on all electric scooters sold in Spain since January 22, 2024. The DGT itself, as happens with the V-16 beaconshas on its website a list with all approved scooters to be sold in our country. In this case, if the electric scooter already has this certificate, in the electronic office it will be enough to fill in the certificate number and the serial number. Then a digital registration certificate is issued so that our vehicle is registered as registered. Does not have certificate. In this case, you have a problem. First because the DGT requires that these scooters also be registered although at the time of purchase it was not mandatory to have the certificate. To do this, it is mandatory to have an invoice or technical sheet from the VMP and a photograph. If you do not have an invoice, the only possible procedure is to homologate the vehicle by going through a laboratory certified by the DGT to obtain the technical sheet. Once the certificate is obtained, the DGT issues an identification sticker that must be affixed in a visible place, as is the case with environmental badges on cars. And keep in mind that if you want to keep your scooter it is worth it. Without a certificate registration is not possible and without registration it is not possible to insure the electric scooter. The DGT opens an extension to certify all these scooters until January 22, 2027. From then on it will not be possible to circulate with a VMP without a certificate. How do I do it? As we said, the DGT will enable a space in its electronic headquarters where the entire process can be carried out. At the moment, this space is not open but Traffic assures us that it will be available “in the coming days.” In addition, the DGT assures that they will enable a channel to register the electric scooter when contracting the insurance and that they are working to be able to register it at the time the scooter is purchased at the establishment. Will they fine me? According to the press release, yes. As we said above, with fines of between 200 and 800 euros. However, Traffic does not specify in its press release from what date it will be mandatory to have a registered vehicle and insurance to avoid receiving the fine. Right now, we only know that scooters without a certificate have until January 22, 2027 to obtain it. When asked about this, the DGT has not given us exact dates or deadlines either. Traffic limits itself to stating that it will be informed about this and that the platform will be available “in the coming days” but there is no date indicated on the calendar. Photo | Marek Rucinski In Xataka | $25,000 fine for driving a souped-up electric scooter: Toronto has decided to apply a heavy hand to them

Leroy Merlin sells the V16 beacon for 30 euros that connects to its own app to notify emergencies and insurance

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On January 1, the new DGT regulations that forces us to carry a V16 beacon in the vehicle to use in case of emergency or breakdown. There are many models that exist on the market, although there are two manufactured in Spain that stand out from the rest. One is the Help Flash IoT+ and the other is this one that Leroy Merlin sells. It is about the V16 Ledone beaconwhich if there is something that stands out for it is the number of candles and also for having its own app. Its price, at the moment, is 29.99 euros. V16 approved DGT geolocated beacon LEDONE Connected The price could vary. We earn commission from these links Made in Spain and with characteristics different from the rest If you have not yet purchased a V16 beacon for your vehicle, this model has some features that make it stand out from the rest. One of them is its design, since it has a base that elevates itso it can be very useful to place in different types of vehicles. Another of its assets is that it has 120 candleswhich is triple the mandatory 40 candelas that this emergency light must have according to the DGT. In addition, it is manufactured in Spain, which gives it extra reliability. Although if there is something for which this stands out emergency light (and that only has one other model on the market) is because it has your own app. From this app, you can communicate directly with your insurance and emergency services, something that will be very useful if you have to leave your car on the shoulder. Other V16 beacons that may interest you If this V16 beacon does not convince you, on the market you can also find other models at a good price. These are some of them: V16 beacon Raykong by 35.99 euros on MediaMarkt: it is also one of the most popular models. V16 beacon iWottolight by 29.99 euros at Carrefour. V16 beacon Nk DP-EL2024-C1 by 29.99 euros in PcComponentes. V16 beacon help flash IoT+ by 36.81 euros on Amazon: a best-selling model with its own app to notify emergencies or insurance. Other accessories that may interest you for your vehicle 10.26″ Wireless Carplay Screen 360 Rotation 4K Dash Cam with Auto Stereo Audio Receiver The price could vary. We earn commission from these links Xiaomi Portable Air Compressor 2 The price could vary. We earn commission from these links Some of the links in this article are affiliated and may provide a benefit to Xataka. In case of non-availability, offers may vary. Image | Webedia and Ledone In Xataka | Don’t wait until January 1: if you have to buy your V16 beacon, Leroy Merlin has them for less than 40 euros In Xataka | Safety, organization and entertainment gadgets and accessories for cars on long trips

The Government is looking for someone to manage thousands of affordable homes. An unexpected candidate has emerged: Rental Insurance

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The State already has a ‘girlfriend’ for its affordable rental housing. Barely a month and a half after the SEPES put out to tender a contract to find companies interested in managing its public park of rental apartments, a large pool of 17,300 propertiesthe Ministry of Housing already knows of at least one interested firm. Of course, one that perhaps Isabel Rodríguez’s department did not have: Seguro Rent, the same company that the Ministry of Consumer Affairs wants to impose a fine of 3.6 million for violation of rights. Those responsible for the company they advance that they have all the requirements included in the tender and boast of their “experience and training.” Manager wanted. To understand the case we must go back to December 1, when the SEPES (shortly after converted into HOUSE47) launched a tender which probably whetted the appetite of more than one real estate agency. The contract in question amounted to a total of 55.4 million of euros (not including VAT) and was basically looking for companies interested in assuming for two years the “comprehensive management of the leasing of the public housing stock for affordable rentals.” In total, the tender covers 17,324 homes spread throughout the country, although to facilitate contracting it was divided into lots. Specifically, four were created for different regions, with between 1,600 and 5,700 houses. A name: Rental Insurance. The announcement was posted on the Public Sector Procurement Platform and companies had just over a month, until January 8, to present their offers. At the moment at least the name of one is known: Rental Insurancea firm dedicated to leasing management that boasts of having managed more than 75,000 contracts. Specifically, the company aspires to become with one of the four lots tendered by the State, the first, which covers 1,661 homes located in Galicia and Asturias. In exchange for its management, SEPES (now CASA47) offers about 6.5 million. The company of course defends its resume to win the contract. “Alquiler Seguro has the experience and training required to take charge of the comprehensive management of the rental fleet, as it has been doing for more than 19 years with the more than 28,000 contracts it currently manages throughout the country,” has claimed the signature itself on a note. Bragging about history. The company does not stop there. In addition to highlighting his experience managing house rentals (including public protection), he remembers the agreements and collaborations he has had with firms such as YourTECHÔ and First Hfocused on access to housing for vulnerable people. On its website the agency presume also from its office network, with more than 50 points spread throughout the country, and its portfolio of tens of thousands of properties. Why is it news? Because Rental Insurance not only stands out for its greater or lesser experience. Beyond the criticism that you have received from entities such as the Madrid Tenants Union, the OCU either FACUAthe company it was news recently for a proposed million-dollar fine. In December, the Ministry of Consumer Affairs imposed a fine of around 3.6 million euros on it for violating user rights and taking advantage of its position of strength in the market. At least in December, when the news brokethe resolution was not yet final and the company was advancing its intention to appeal. During the investigation he had already presented more than a dozen allegations. Questionable practices. In the file, advanced by Cadena SERdetailed practices that were at least controversial, such as forcing tenants to take out insurance, being responsible for charges for non-payments or claims or paying for a ‘Tenant Service Service’. Not only that. The file also details the obligation for the tenant to accept being included in a file of defaulters. Your practices already FACUA denounced them at the end of 2023. When SEPES launched its tender insisted in the profile of the company that is seeking to run the public affordable rental park: “Management will be carried out from social commitment and not only based on economic criteria. For this reason, one of the services that the successful bidder must provide consists of the prevention, detection and early attention of situations of risk of loss of housing.” Images | The Moncloa, Rental Insurance and FACUA In Xataka | The Great Rental Review is not going to be a joke for millions of Spaniards: more than 4,000 euros more per year

There will be no insurance or registration for electric scooters on January 2, 2026. The DGT has confirmed it

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On January 2, 2026, I aspired to put some order with electric scooters. At least, the order understood as the DGT understands it. And on that date, all electric scooters They had to begin to comply with a series of conditions. They would have been sold as new or were electric scooters that are already in the hands of users. Now, the DGT has confirmed that this will not be possible. In order to apply the new regulations, it is necessary to a Royal Decree that has not been approved and that, as of December 23, 2025, it will be impossible for it to arrive in time for the new year. Despite this, Traffic reminds us that it is mandatory to have insurance for it, which will have to be active before the end of January of next year. So… what has been approved and what is mandatory? No insurance at the moment From 2024all electric scooters sold in Spain have a certificate that includes the technical characteristics of the electric scooter. This certification serves agents to verify whether or not said personal mobility vehicle complies with the technical characteristics for which it was created. And it must be taken into account that an agent can stop an electric scooter but they are also being done controls in some cities. In bliss plate Data such as the maximum speed at which it can circulate must therefore be reflected. In addition, the DGT had to have a VMP registry ready so that anyone who had a vehicle of this type could register their electric scooter. This forces those who have a vehicle of this type before 2024 to have to send the electric scooter to one of the laboratories accredited by the DGT. It will certify that the vehicle is not modified and confirm that it meets the permitted technical conditions. This registration will be a kind of registration for electric scooters and every new scooter sold in our country must be registered. The intention was to leave this possibility to the private customer until 2027, but they were going to be forced to have civil liability insurance as of January 2, 2026. This left them on the verge of having to “homologize” the electric scooter no matter what. However, the DGT has today published a clarifying note in which it states the following: “The Council of Ministers, taking into account the urgency of the processing of the aforementioned Royal Decree, agreed on November 18, 2025, to process it urgently. Although the hearing and public information procedures have already been completed, its approval will not be possible before next January 2” Without this Royal Decree approved, the DGT confirms that there is no legal basis to be able to demand from users registration and insurance of the electric scooter. They assure that “the technical development for the registration of VMPs is already completed” but that without the regulations that regulate this approved, they will not be able to demand these two requirements from January 2, 2026. Therefore, electric scooter users will not have to have insurance for their electric scooters as of January 2, 2026. But, in addition, Traffic does not indicate from what date they expect this change to be active. They only specify that it is mandatory to have insurance as of January 26, 2026 for those personal mobility vehicles with a weight greater than 25 kg and a speed greater than 14 km/h. Electric scooters are considered light personal mobility vehicles and, therefore, insurance will not be required. At least for the moment. Photo | Volodymyr Dobrovolskyy In Xataka | Barcelona suspected that many electric scooters are souped-up. They just stopped one that could reach 113 km/h

We are 21 days away from 2026. 21 days away from being fined if we do not have insurance for our electric scooter

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We have seen it with the V-16 lights and it will be repeated in the future. A standard arrives, makes a lot of noise and is forgotten. Until a few days before it comes into force, noise is made again and those affected run out to get their papers in order. It is the same thing that has happened with electric scooters. January 2, 2026. It is the date chosen by the DGT so that all electric scooters that circulate in Spain have three obligations: Owner’s liability insurance Electric scooter registration Electric scooter certification As with the V-16 lights, it is not something that was decided yesterday. It is something that It was approved in 2024 (to comply with the transposition of the Directive 2021/2118) so users have had more than a year and a half to complete all the procedures. Furthermore, the decision can be applied by City Councils for years as in Córdoba that has been active since 2023. What are the procedures? The one that can give us the most headaches is civil liability insurance. All users who use the electric scooter they must have insurance to cover our damages in the event that another driver is responsible for an accident in which we are involved or to cover damages to third parties if we are to blame. In addition, the electric scooter will have to be registered and have a certification confirming its approval. The latter is mandatory for all electric scooters that have been sold in Spain as new since 2024. But, in addition, it will be mandatory from 2027 for those that were purchased previously. The “registration”. This license plate is actually a plate that must be visible on the electric scooter with the relevant information that certifies its approval. The plate, like the approval, must be included in all electric scooters sold from 2024. If you have an electric scooter that does not have said plate and that does not have the certification, you must request a test in one of the four laboratories that have the approval of the DGT to carry out these certifications. You can do the procedure request from the Traffic website but only one of them, IDIADA, is located in Spain. What is certified? Electric scooters have been, for a few years, considered in a category of their own. Specifically, they are personal mobility vehicles and these are the most important criteria they must meet: Maximum speed of 25 km/h Weigh less than 50 kg Maximum power of 1,000 W if they do not have a self-balancing system Maximum power of 2,500 W if they have a self-balancing system Maximum handlebar height of 70 centimeters What if I don’t comply? Whoever does not comply will have to prepare the portfolio. And with the obligation to have civil liability insurance for the electric scooter also comes the obligation to pay a fine if we do not comply with it. Specifically, the penalty can range from 200 to 1,000 euros since in the reformulation of the Automobile Insurance Law It is established that electric scooters, classified as light personal vehicles, will face penalties of one third of those registered for cars. That is, a third of the penalty of between 600 and 3,000 euros that is established for those who drive a car without insurance, depending on the seriousness of the facts. Photo | Michel Grolet In Xataka | Barcelona suspected that many electric scooters are souped-up. They just stopped one that could reach 113 km/h

Correos is desperate to find the business that will save it from the red numbers. And that has led her to selling insurance

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There was a time (not so long ago) when Correos was basically an intermediary, a company you went to to send letters, postcards or packages. That’s how it grew. And thus he strengthened his brand for decades. The changes in demand and fierce competition in the logistics sector have, however, forced the public company to reinvent yourselfan endeavor in which he has been engaged for years without this having allowed him to abandon the red numbers that weigh down their accounts. What has altered is its relationship with users. The last (and most revealing) example is left the decision of Correos to market insurance taking advantage of its vast network of offices and postmen, which has already earned it the union reproach. What has happened? That Correos has led a curious movement in its efforts to diversify income and leave behind the red numbers. a few months ago reached an agreement with the company AXA to market its private insurance. The alliance was announced in spring, when it was applied in 32 offices with a view to expanding to more than 800 branches throughout the country over the months. At that time, the Post Office detailed which would initially be dedicated to distributing policies for vehicles, homes, health and life and death insurance, although without closing the doors to expanding that offering to “any product” from AXA. Why is it news now? The agreement It closed in February and Correos began to market AXA insurance in mayupon registration as exclusive agent. The initiative has now made headlines again for a reason that has more to do with form than substance, although it gives an idea of ​​the extent to which the public company is committed to diversifying its services. CCOO has denounced that the company is entrusting postmen in rural areas with the task of selling policies, “a function completely unrelated to their traditional delivery work.” “Instead of strengthening the public service and hiring more staff, the management is dedicated to improvising and diverting work towards commercial tasks that have nothing to do with Correos’ mission,” ditch CCOO, which warns from its office in Castilla y León: “The viability of the company cannot be reduced to the sale of insurance by rural postmen. Correos cannot become a network of street vendors. Its function is to communicate, connect territories and guarantee rights, not do business with private insurance.” Why is it important? Because of the context, which is as or even more important than the measure itself. Insurance is not the public company’s first bet to strengthen its accounts in a challenging context, marked by the collapse in postal demand and an increasingly disputed parcel sector, in which it has to compete with multinationals and is losing market share. It’s nothing new. Years ago the company already launched one of its bets more ambitious: Post Marketa space of its own e-commerce who aspired to become ‘Amazon Post Office’. The objective: to take advantage of the boom in online commerce with a differentiated commitment to mark distances from giants such as Amazon or eBay, a “market for local products in which national producers and artisans (…) come together with online buyers.” In the presentation of the platform, in 2020, in fact focused on those two concepts, “local” and “artisan”. Today in Post Market It can be found from food and drinks to beauty, home, toys, fashion and pharmacy items. Have there been more initiatives? Yes. A few. In an attempt to find its place again, the company has opted for prepaid cardsthe telephony and fiber or the marketing of O2 servicesfrom Telefónica. In recent years he has also experimented with such ambitious projects as Correos Cargoan air parcel transport service in the Latin America-Europe-Asia axis, and even studied launching to commercial rail transport with the help of Renfe. Why this effort? Because Corres is very big. A lot. And the scenario in which he has to deal has changed. A lot too. With more than 50,000 employees and 2,000 offices it is usually said which is the largest public company in Spain. And how recently recognized to elDiario its strategy director, José Miguel Moreno, the company has been faced with the delicate situation of reinventing itself or disappearing. “Society is transforming and postal operators either do it or die.” It’s not just theory. According to the data revealed a few months ago by ABCLast year, Correos recorded losses worth 95 million euros, a hole that widens the carryover in previous years and that even has taken its toll to the accounts of the State Industrial Participation Company, to which it is linked. And how to turn it around? The million dollar question. That is what Correos has sought in part with its Strategic Plan 2024-2028, validated a little over a year ago by SEPI and that aspires to “transform, recover and reposition” the company to “change its business model.” With this purpose, it aims to reinforce its weight in the postal sector, give a boost to parcel delivery and “increase and diversify income” through “new activities, such as financial services, administrative procedures, insurance marketing or logistics services.” If in 2023 the postal business represented around 66% of income of the public company, followed by 24% from parcel delivery and 10% from “diversification” (“new lines of business”), the idea for 2028 is to turn the tables by making these quotas represent (respectively) 49, 35 and 16%. The goal: “Reverse the losses to end the period with an Ebitda margin of 6%, a consolidated profit situation and a healthy financial position.” Are they all challenges? No. The scenario may be complicated, as demonstrated by the fact that Correos can’t quite find the key to gain market share or the challenges it has encountered in its commitment to insurance marketing, but the company still has two good assets. Both closely interconnected. The first is its geographic penetration and vast network of operators and offices. The second, its focus as a “provider of essential services.” … Read more

May your cat ignore that appetizing food has a scientific explanation. Is called neophobia and it’s life insurance

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You open one of the littleirs that you have bought your cat and flips with the good f see, it almost makes you want to try it, but when you offer it, all bad. It smells it, looks at you with contempt and leaves. Yes, it has happened to me and I have thought that my cat enjoyed watching me money on food that was not going to eat. Your cat does not hate you, it is its nature. Food neopobia in cats A search on the subject returns hundreds of results of Tutors asking for advice to get their cat to eat something new and tips to get it. The most common are usually cats that reject wet food and They just want to eat their feedwhich is not recommended because it can lead to the dreaded kidney disease. What happens to cats? Neophobia is the fear of something new, in this case new foods. Although food neophabia is not exclusive to cats (It also happens in humans), it is a fairly common behavior in cats and one of the reasons that have made them win the Fame of Sibaritas. It is not a feline whim, it is pure instinct, An adaptation strategy to protect yourself from possible poisoning. It is not a feline whim, it is pure instinct, an adaptation strategy to protect itself from possible intoxication. Beyond the inheritance of its wild ancestors, neophy and domestic cats may appear for other causes and one of them is stress. Cats are very sensitive to changes. In This study They analyzed stress in cats and the consequences it can have on their behavior and health. A stressed cat tends to eat less, but it is also more prone to develop neophobia. If a new meal is offered in a stress situation, it is more likely to reject it. Cat’s food preferences In This complete article of Vet Times magazinedelve into the mechanisms that form the food preferences of cats. In his first months of life he is strongly influenced by his mother’s. In fact, this influence begins even before birth, by transfer of flavors through amniotic fluid and milk. It has been proven That the kittens whose mother ate unusual foods in the cat such as milk or banana, showed inclination for these foods. “Eat it” Genetics only plays a small role, but the food to which the cat is exposed in their first months of life will be decisive when forming their adult preferences. In this sense, a kitten that only eats a type of food is more likely to develop neophobia towards unknown foods, while A more varied diet will become familiar with more flavors and textures. Experience is another decisive factor and is the one that is defining how the cat selects food during your life. For example if they eat something and feel bad, they will create a negative association and will not eat it again. The food to which the cat is exposed in their first months of life are decisive when forming their adult preferences. Of course it also influences palatability, that is to say, how nice the smell, taste and texture find of a specific food. As strict carnivores, they are attracted to protein -rich foods and tend to reject bitter or sweet flavors. In the case of feed addicted cats several factors come together and palatability is one of them. Feed manufacturers have “hacked” the feline palate with flavor enhancers (palatal) to make them more attractive and want to eat it all the time. If we add that we usually have the feed at the disposal of the animal, the habit is reinforced to the point that some cats do not want to eat anything else. In addition, the crunchy texture of the feed further reinforces that preference, making wet food something strange to them. My cat rejects food. What I do? The first, be patient. Getting a cat with a very strong neopobia start eating new foods is a background race. The first step is Get familiar with the new food. In This study He gathered fourteen adult cats that showed neophobia towards a lamb flavor food. What they did was vaporize the smell of food while cats ate their usual food. The result was that neophobia was reduced considerably. I like this. You can start by putting A bowl with wet food by feedso that I associate that it is a safe food. It is important to offer variety, because it can be the case that we are determined to eat a single option and that it turns out that you simply do not like. If your cat does not eat any wet food, there are Nutritionists who advise starting with little cans that are unhealthy. The reason is that they usually have a very attractive and flavoring smell more similar to those of the feed. In this way, it is first familiar with wet food and little by little you can introduce healthier cans. It is also recommended slightly heat the fooddo not give it directly from the fridge because it will almost certainly reject it. To start eating something new, the obvious is important: to be hungry. I think freely is not recommended. To start eating something new, the obvious is important: to be hungry. In this sense, I think freely 24 hours is not the most recommended. You can serve food three or four times a day or use An automatic feeder. Yes indeed, A cat should never be more than a whole day without eating since it can develop Hepatic lipidosis and even die. Each cat is a world and There are many more tricks That you can use, such as soaking or crushing the feed and putting a little on wet food. Also You can use others TOPPINGS like a churu -type liquid snack and sprinkle supplements such as Fortiflora (is a probiotic) or Green lip mussel powder. In Xataka | Genetics offers … Read more

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