Tow insurance

Compensation for vehicle towing expenses

The insurance covers the expenses incurred by towing a vehicle rendered unroadworthy due to a technical malfunction to the nearest repair shop in which the malfunction or damage sustained by the vehicle can be repaired.

The insurance compensates for the expenses of transporting a trailer that was connected to the tractor unit at the time of the accident from the accident site to the same place as the tractor unit when the tractor unit malfunction or damage requires towing that is compensable under the insurance terms and conditions. 

Towing expenses are covered in the amount of up to 5,000 euros per insurance event. Tow insurance has no deductible in losses that occur in Finland. In accidents that occur abroad, the deductible is 350 euros per insurance event.

Get help conveniently and easily: Pohjola Claim Help is there to assist you 

Pohjola Insurance has the right to designate the service provider in losses that require towing. Towing or roadside assistance must be ordered from a partner designated by the insurance company at claimhelp.pohjola.fi, or by calling the Pohjola vehicle emergency service on 0303 0303. The aforementioned expenses are covered up to the contract price of Pohjola Insurance’s towing service partner.

Compensation for additional travel and other expenses when the damage occurs in Finland

Tow insurance covers the vehicle driver's travel expenses from the scene of the accident to their home town, point of departure or destination if travel cannot continue because:

• the time required to repair the damaged vehicle or restore its roadworthiness is deemed so long that the vehicle must remain at the garage, and using other means to continue travel is necessary
• a locked vehicle was stolen and the trip must be continued by other means.

Another alternative is to compensate for the accommodation expenses incurred by having to wait for the vehicle repairs up to the amount of the travel expenses. The travel and transportation expenses using the cheapest means of transport are compensated for up to the costs of travelling home. The maximum amount of the driver’s additional travel and other expenses to be compensated for is 200 euros per insurance event.

Compensation for additional travel and accommodation expenses abroad

If the repairs to restore a motor vehicle into a condition that complies with traffic safety regulations take no more than three working days, the insurance covers any extra costs incurred by accommodation.

If the repairs to restore a motor vehicle into a condition that complies with traffic safety regulations take more than three working days or if a locked vehicle was stolen during the trip or has been missing for a minimum of 24 hours, the driver's travel expenses from the scene of loss to the driver's home town, point of departure or destination are covered when continuing travel by other means of transport has been necessary due to this.

The travel and transportation expenses using the cheapest means of transport are compensated for up to the costs of travelling home. The maximum amount of the driver’s additional travel and other expenses to be compensated for is 1,000 euros per insurance event. In accidents that occur abroad, the deductible is 350 euros per insurance event.