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Motor vehicle insurance for businesses

Insurance for all your company cars and other vehicles

Necessary cover for your vehicles

We can tailor insurance cover for your company cars and other vehicles.

Fluent assistance when a loss occurs

Pohjola Claim Help assists companies and their staff when a loss occurs. It shows you our partners closest to you.

The most satisfied customers

Surveys show that our corporate customers are the most satisfied in Finland. (EPSI Rating Insurance 2016)

All vehicles must be insured

Road accidents and rear-end collisions occur every day, sometimes causing personal injuries and claiming lives. We provide the mandatory motor liability insurance and optional comprehensive motor vehicle insurance for your company’s cars, vans, lorries and any other vehicles.

Motor liability insurance compensates personal injuries caused by road accidents, and also the innocent party’s losses. You can prepare against losses with comprehensive motor vehicle insurance, which compensates losses to vehicles caused by the driver, or when the cause is unclear.

Motor vehicle insurance can be used, among others, to insure your company’s

cars, van and lorries
trailers and towed equipment
snowmobiles and quad bikes
working machines
other motor vehicles.

Yrityksen ajoneuvovakuutus sopii yrityksesi autoille ja muille ajoneuvoille.

Easy and carefree umbrella agreement

If your company has several motor vehicle insurance policies, an umbrella agreement may be the easiest and cheapest way to keep them all up to date. An umbrella agreement means that we take care of maintaining the insurance coverage for your company vehicles.

We may agree, for example, on the extent of coverage or automatic coverage changes as the vehicles become older. The agreement results in predictable premiums and flexible payment arrangements according to your company's wishes.

Every year, one vehicle out of ten has an accident, and in commercial transport one out of five. With an umbrella agreement you can ensure that your motor vehicle insurance policies will always be valid.

Petri Linna Insurance Manager, Pohjola Insurance

Comprehensive motor vehicle insurance covers losses to your company vehicles

Comprehensive motor vehicle insurance is an optional vehicle insurance policy. We compensate losses to your company vehicles according to the coverage you have chosen.

Maxi Motor Insurance covers all collisions and cases of vandalism, and also includes all Medium Motor Insurance coverage. Medium Motor Insurance covers fire, elk, theft and legal expenses losses and towing expenses, for example. If you have company passenger cars in private use that are less than three years old, you can also select Super Motor Insurance, which also provides compensation for days of non-use.

We will tailor comprehensive motor vehicle insurance to your company’s needs. Additional coverage under the comprehensive motor vehicle insurance of company vehicles includes compensation for glass breakage, days of non-use or loss caused by fraud related to a rental vehicle.

Workers’ compensation insurance

Covers your employees in the event of accidents that happen at work or on the way to or from work as well as occupational diseases.

Going abroad with a company vehicle

Travel insurance

Compensation issues for road accidents occurring abroad are usually resolved under the local regulations. This means that the compensation amounts and practices may be insufficient. We recommend that both the driver and the passengers have sufficient travel insurance.

Read more about travel insurance

Green Card

If you are travelling outside the Nordic countries, you should always take along a Green Card, which proves that you have a valid motor liability insurance policy. The countries where it is valid are listed on the Green Card.

Order a Green Card >

Theft cover

Before you start off, you should check the company vehicle's theft cover validity and deductibles. Any losses to your vehicle outside the Nordic countries carries a double deductible.

In Russia, Belarus, Ukraine or Moldova, theft cover for cars and motorcycles is only valid if a separate agreement has been made about it. If such an agreement is valid and a passenger car or motorcycle is stolen in one of the countries listed above, the deductible is 20% of the loss amount (but no less than EUR 600).

If your passenger car or motorcycle is stolen in Estonia, Latvia, Lithuania or Poland, the deductible is 20% of the loss but no less than EUR 600.

The op.fi service for corporate insurance customers

In the op.fi service, you can easily and safely manage all of your company's insurance transactions. The service allows you to, for example

report a loss and see how your loss report is processed
print out certificates of insurance
order a Green Card for company vehicles

How to activate the Internet Service:

Make a Corporate eServices Agreement and name the administrators.
Administrators can add other users and their access rights to the service.

Company’s motor vehicle insurance, product guide and terms and conditions

Guidelines for fire extinguishing systems

The insurer is either Pohjola Insurance or A-Insurance Ltd. The losses will be covered in accordance with the law and the insurance terms and conditions.