{"id":26108,"date":"2026-01-07T19:25:15","date_gmt":"2026-01-07T17:25:15","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=26108"},"modified":"2026-01-08T12:35:57","modified_gmt":"2026-01-08T10:35:57","slug":"una-llei-que-es-fda-esperar","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/una-llei-que-es-fda-esperar\/","title":{"rendered":"Una llei que es fa esperar"},"content":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””]<\/p>\n

La nova asseguran\u00e7a dels vehicles personals lleugers es fa esperar<\/h2>\n

[\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]<\/p>\n

L\u2019obligatorietat d\u2019aquesta p\u00f2lissa de responsabilitat civil entrar\u00e0 en vigor quan s\u2019aprovi el reglament<\/em><\/p>\n

[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1767867065646{margin-bottom: 20px !important;}”]<\/p>\n

Segons hem pogut saber recentment, la Direcci\u00f3 General de Tr\u00e0nsit (DGT) ha confirmat que el registre dels vehicles personals lleugers (VPL) encara no est\u00e0 operatiu, a l\u2019espera de la tramitaci\u00f3 del Reglament de l\u2019asseguran\u00e7a obligat\u00f2ria de responsabilitat civil d\u2019aquest tipus de vehicles, que donar\u00e0 cobertura jur\u00eddica a la seva inscripci\u00f3 en l\u2019esmentat registre, i que el Consell de Ministres est\u00e0 gestionant pel tr\u00e0mit d\u2019urg\u00e8ncia.<\/p>\n

Mentre es tramita la regulaci\u00f3 corresponent, no ser\u00e0 aplicable l\u2019obligaci\u00f3 pr\u00e8via d\u2019inscriure els VPL fins que el registre estigui degudament regulat i operatiu i, per tant, no ser\u00e0 exigible l\u2019obligaci\u00f3 d\u2019assegurament, als efectes de la Llei 5\/2025, ja que la inscripci\u00f3 en l\u2019esmentat registre de la DGT \u00e9s un requisit imprescindible.<\/p>\n

Aquesta demora en l\u2019entrada en vigor de l\u2019obligaci\u00f3 d\u2019assegurament per als VPL, sense una data concreta de finalitzaci\u00f3, no afectar\u00e0 aquells VPL amb un pes superior a 25 kg i una velocitat superior a 14 km\/h, que hauran d\u2019estar assegurats sense necessitat d\u2019inscripci\u00f3 pr\u00e8via en el registre de vehicles. El per\u00edode transitori per a l\u2019assegurament d\u2019aquests vehicles finalitzar\u00e0 el 26 de gener de 2026, tal com s\u2019indica a la disposici\u00f3 transit\u00f2ria de la Llei 5\/2025.<\/p>\n

Un cop aprovat i entrada en vigor l\u2019esmentat Reglament, tots els VPL quedaran obligats a la seva inscripci\u00f3 al Registre de Vehicles, mitjan\u00e7ant un procediment telem\u00e0tic senzill d\u2019inscripci\u00f3 a trav\u00e9s de la Seu Electr\u00f2nica de la DGT.<\/p>\n

A continuaci\u00f3 fem un resum detallat de la hist\u00f2ria d\u2019aquesta llei.<\/p>\n

1- Introducci\u00f3<\/p>\n

Aquest any 2025, que en breu acaba, ha estat un any marcat per dues lleis que han tingut un gran impacte en el sector assegurador, i que segur que l\u2019any vinent seguiran havent de protagonisme. La primera d\u2019aquestes normes ha estat la Llei org\u00e0nica 1\/2025, de 2 de gener, de mesures en mat\u00e8ria d\u2019efici\u00e8ncia del Servei P\u00fablic de Just\u00edcia, que ha introdu\u00eft l\u2019obligatorietat de realitzar un mitj\u00e0 adequat de soluci\u00f3 de controv\u00e8rsies, tamb\u00e9 coneguts pel seu acr\u00f2nim (MASC), abans d\u2019acudir a la via judicial; i la segona llei ha estat la Llei 5\/2025, de 24 de juliol, per la qual es modifica el text ref\u00f3s de la Llei sobre responsabilitat civil i asseguran\u00e7a en la circulaci\u00f3 de vehicles a motor, aprovat pel Reial Decret L\u00e9gislatiu 8\/2004, de 29 d\u2019octubre, i la Llei 20\/2015, de 14 de juliol, d\u2019ordenaci\u00f3, supervisi\u00f3 i solv\u00e8ncia de les entitats asseguradores i reasseguradores, que suposa una modificaci\u00f3 de gran calibre en l\u2019\u00e0mbit de l\u2019asseguran\u00e7a obligat\u00f2ria automovil\u00edstica. Aquesta nota t\u00e9 per objecte analitzar una de les principals novetats introdu\u00efdes per la Llei que modifica la responsabilitat civil i l\u2019asseguran\u00e7a de vehicles a motor, que \u00e9s la relativa a la nova asseguran\u00e7a obligat\u00f2ria de responsabilitat civil per als vehicles personals lleugers (VPL), una nova categoria de vehicle sobre la qual recaur\u00e0 l\u2019obligaci\u00f3 de contractar una asseguran\u00e7a obligat\u00f2ria de responsabilitat civil, que entrar\u00e0 en vigor el proper 2 de gener del 2026.<\/p>\n

2- Regulaci\u00f3 actual<\/p>\n

La creaci\u00f3 d\u2019aquesta nova categoria de vehicle i la seva nova asseguran\u00e7a obligat\u00f2ria ve regulada per la Disposici\u00f3 addicional primera de la citada Llei 5\/2025, que no modifica, a priori, la legislaci\u00f3 sobre responsabilitat civil i asseguran\u00e7a en la circulaci\u00f3 de vehicles a motor, ja que no modifica ni introdueix cap article dins la dita norma espec\u00edfica. Tot plegat a l\u2019espera de seu desenvolupament a trav\u00e9s d\u2019un reglament propi, per al qual s\u2019encarrega a la Comissi\u00f3 de Seguiment del Sistemes de Valoraci\u00f3 un informe raonat, amb propostes del desenvolupament reglamentari, que vence a les poques setmanes de l\u2019entrada en vigor de l\u2019obligatorietat de contractar aquest segur, cosa que implica que comptarem amb una regulaci\u00f3 completa posteriorment, tal com s\u2019indica en la disposici\u00f3 addicional. Abans d\u2019entrar a analitzar el concepte de vehicle a motor lleuger, \u00e9s necessari situar correctament aquesta nova categoria de vehicles, i per a aix\u00f2 \u00e9s necessari tenir en compte el t\u00edtol que s\u2019atorga a la Disposici\u00f3 addicional primera, que \u00e9s \u201cAsseguran\u00e7a obligat\u00f2ria de responsabilitat civil per a vehicles personals lleugers que no estiguin inclosos en el concepte legal de vehicle a motor\u201d, cosa que ens indica que es tracta d\u2019un tipus de vehicle que ha d\u2019estar excl\u00f2s del concepte principal de vehicle a motor, que \u00e9s el que es regula en l\u2019article primer bis de la Llei 5\/2025, i que suposa una altra de les principals novetats d\u2019aquesta Llei.<\/p>\n

Un article de Carlos Solis, asesor del Col\u00b7legi<\/p>\n

[\/vc_column_text][vc_btn title=”Consulta aqu\u00ed la nota t\u00e8cnica” color=”primary” align=”center” css=”” link=”url:https%3A%2F%2Fwww.elcol-legi.org%2Fw%2Fdownload%2Fnota-tecnica-08-2025-nuevo-aseguramiento-obligatorio-de-vehiculos-personales-ligeros%2F|title:Nota%20Ass.%20T%C3%A8cnica%2008-2025.”][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”1\/4″][stm_spacing lg_spacing=”50″ md_spacing=”50″ sm_spacing=”50″ xs_spacing=”50″][vc_column_text]<\/p>\n

\u00daltimes not\u00edcies<\/h2>\n

[\/vc_column_text][stm_news loop=”size:4|order_by:date|order:DESC|post_type:post|categories:8″ posts_per_row=”2″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””] La nova asseguran\u00e7a dels vehicles personals lleugers es fa esperar [\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””] L\u2019obligatorietat d\u2019aquesta p\u00f2lissa de responsabilitat civil entrar\u00e0 en vigor quan s\u2019aprovi el reglament [\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1767867065646{margin-bottom: 20px !important;}”] Segons hem pogut saber recentment, la Direcci\u00f3 General de Tr\u00e0nsit (DGT) ha confirmat que el registre dels<\/p>\n","protected":false},"author":562,"featured_media":26075,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2127,1868,2124],"class_list":["post-26108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mednews","tag-mn-2","tag-mn289"],"yoast_head":"\nUna llei que es fa esperar - 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