{"id":80,"date":"2014-10-25T15:40:39","date_gmt":"2014-10-25T13:40:39","guid":{"rendered":"http:\/\/www.mcasadellapol.cat\/?page_id=80"},"modified":"2025-12-17T12:30:39","modified_gmt":"2025-12-17T11:30:39","slug":"vehicles","status":"publish","type":"page","link":"https:\/\/www.mcasadellapol.cat\/?page_id=80","title":{"rendered":"Vehicles"},"content":{"rendered":"<p data-path-to-node=\"4\">Les assegurances de vehicles s\u00f3n una de les poques que s\u00f3n <b>legalment obligat\u00f2ries<\/b> a l\u2019Estat espanyol. Tot vehicle a motor que estigui d\u2019alta a la Direcci\u00f3 General de Tr\u00e0nsit (DGT) ha de tenir, com a m\u00ednim, una asseguran\u00e7a de responsabilitat civil obligat\u00f2ria, encara que no circuli habitualment. Amb la nova normativa, aquesta obligaci\u00f3 s&#8217;est\u00e9n ara a nous vehicles personals.<\/p>\n<h3 data-path-to-node=\"5\">Novetats legislatives: la Llei 5\/2025 i el nou concepte de vehicle<\/h3>\n<p data-path-to-node=\"6\">La <b>Llei 5\/2025, de 24 de juliol<\/b>, introdueix canvis transcendentals per adaptar-se a la realitat de la mobilitat actual:<\/p>\n<ul data-path-to-node=\"7\">\n<li>\n<p data-path-to-node=\"7,0,0\"><b>Ampliaci\u00f3 del concepte de vehicle a motor:<\/b> S&#8217;inclouen vehicles autom\u00f2bils que superin els 25 km\/h de fabricaci\u00f3, o aquells amb un pes net superior a 25 kg i una velocitat superior a 14 km\/h.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,1,0\"><b>Vehicles el\u00e8ctrics L1e-B:<\/b> Determinats ciclomotors el\u00e8ctrics queden inclosos en l&#8217;obligaci\u00f3 de l&#8217;Asseguran\u00e7a Obligat\u00f2ria d&#8217;Autom\u00f2bils.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"7,2,0\"><b>Protecci\u00f3 refor\u00e7ada:<\/b> Es milloren les garanties i indemnitzacions per a les persones perjudicades en accidents de circulaci\u00f3.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"8\">Vehicles de Mobilitat Personal (VMP): dates clau per al 2026<\/h3>\n<p data-path-to-node=\"9\">Els patinets el\u00e8ctrics i altres VMP passen de la voluntarietat a l&#8217;obligaci\u00f3 legal segons la Llei 5\/2025 i el Reglament de Vehicles:<\/p>\n<h4 data-path-to-node=\"10\">1. Certificat de circulaci\u00f3 i registre (2 de gener de 2026)<\/h4>\n<p data-path-to-node=\"11\">A partir del <b>2 de gener de 2026<\/b>, els VMP han de disposar d&#8217;un certificat de circulaci\u00f3 que acrediti el compliment dels requisits t\u00e8cnics recollits en el seu manual de caracter\u00edstiques.<\/p>\n<ul data-path-to-node=\"12\">\n<li>\n<p data-path-to-node=\"12,0,0\"><b>Morat\u00f2ria t\u00e8cnica:<\/b> L&#8217;obligaci\u00f3 de disposar del certificat i la identificaci\u00f3 s&#8217;aplica als vint-i-quatre mesos de la publicaci\u00f3 del manual de caracter\u00edstiques al BOE.<\/p>\n<\/li>\n<\/ul>\n<h4 data-path-to-node=\"13\">2. L&#8217;asseguran\u00e7a obligat\u00f2ria (26 de gener de 2026)<\/h4>\n<p data-path-to-node=\"14\">La Llei 5\/2025 estableix que l&#8217;asseguran\u00e7a de responsabilitat civil passa a ser <b>obligat\u00f2ria el 26 de gener de 2026<\/b>, sis mesos despr\u00e9s de l&#8217;entrada en vigor de la llei.<\/p>\n<ul data-path-to-node=\"15\">\n<li>\n<p data-path-to-node=\"15,0,0\"><b>Qui s&#8217;ha d&#8217;assegurar:<\/b> Vehicles amb velocitat m\u00e0xima entre 6 i 25 km\/h de pes inferior a 25 kg, o velocitat de 6 a 14 km\/h si el seu pes \u00e9s superior a 25 kg.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"15,1,0\"><b>Requisits:<\/b> L&#8217;obligaci\u00f3 s&#8217;aplica als vehicles personals lleugers que tinguin certificat de circulaci\u00f3, estiguin inscrits al Registre de la DGT i portin etiqueta identificativa.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"15,2,0\"><b>Cobertures m\u00ednimes:<\/b> Les quanties obligat\u00f2ries s\u00f3n de <b>6.450.000 euros<\/b> per sinistre per danys a les persones i <b>1.300.000 euros<\/b> per danys als b\u00e9ns.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"16\">Qu\u00e8 hauria d\u2019incloure una bona asseguran\u00e7a de vehicle<\/h3>\n<p data-path-to-node=\"17\">M\u00e9s enll\u00e0 del m\u00ednim legal, \u00e9s recomanable personalitzar la p\u00f2lissa:<\/p>\n<ul data-path-to-node=\"18\">\n<li>\n<p data-path-to-node=\"18,0,0\"><b>Responsabilitat civil volunt\u00e0ria:<\/b> Per ampliar els capitals en cas d&#8217;accidents greus.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"18,1,0\"><b>Defensa jur\u00eddica:<\/b> Essencial per a la reclamaci\u00f3 de danys o gesti\u00f3 de conflictes.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"18,2,0\"><b>Assist\u00e8ncia en viatge:<\/b> Incloent la grua per a cotxes o el transport en cas d&#8217;avaria de patinets el\u00e8ctrics.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"18,3,0\"><b>Danys propis, robatori i incendi:<\/b> Especialment recomanable per a vehicles nous.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"19\">Aspectes clau que cal revisar<\/h3>\n<p data-path-to-node=\"20\">Quan comparis opcions, recorda verificar:<\/p>\n<ul data-path-to-node=\"21\">\n<li>\n<p data-path-to-node=\"21,0,0\"><b>El concepte de \u00abfet de la circulaci\u00f3\u00bb:<\/b> La nova llei ara inclou qualsevol utilitzaci\u00f3 del vehicle que sigui conforme amb la seva funci\u00f3 com a mitj\u00e0 de transport, independentment del terreny o de si est\u00e0 aturat o en moviment.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,1,0\"><b>Valoraci\u00f3 en cas de p\u00e8rdua:<\/b> Difer\u00e8ncia entre valor venal (valor de venda) i valor de mercat (valor de compra).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"21,2,0\"><b>Franqu\u00edcies:<\/b> Com afecten el preu de la prima i el cost que haur\u00e0s d&#8217;assumir en cas de reparaci\u00f3.<\/p>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Les assegurances de vehicles s\u00f3n una de les poques que s\u00f3n legalment obligat\u00f2ries a l\u2019Estat espanyol. 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