Yrityksen vakuutukset ja laskutus

Corporate insurance and invoicing

This page provides answers to frequently asked questions about corporate insurance invoices. You can also handle corporate insurance invoices in eInsurance Services.

We have moved to a new address, but our post is still being sent to the old address. How can I update the address?

Tell us your company’s new address, and we will update our records. 

The easiest way to change your postal and visiting address is to use OP eServices by logging into the corporate eInsurance Service.

Unfortunately, we do not receive notices of changes to companies’ postal and visiting addresses from the Business Information System or Posti. Corporate customers should inform us when they change addresses.

Someone else’s post has been sent to our address. What should we do?

If the post is not addressed to you, you can write “delivered to the wrong address” on the envelope and put it in your local postbox. Do not open it. 

Posti will deliver the unopened envelope to the correct address or return it to the sender in order to identify the new address. 

How can I order e-invoices for our insurance policies?

Send us your e-invoicing details: verkkolasku(a)pohjola.fi.

It will take about a week to update your details to show that you have chosen e-invoices, so you may still receive an invoice by post. Your subsequent invoices will be e-invoices.

We are invoicing Pohjola Insurance. Where should we send the invoice?

We need a copy of an invoice because the original is missing.

You can print a copy of the invoice for the present insurance period on the corporate eInsurance Service covering a specific insurance policy. Alternatively, you can send an online message to customer services or call 0303 0303 (Mon–Fri 8–18).

We need more time to pay the invoice. What should we do?

Contact customer services to agree on a payment date before the due date stated on the invoice.

What will happen if we are unable to pay the insurance premium?

If you have not paid the insurance premium by the due date, we will send a payment reminder 14 days later. 

If you are unable to pay the reminder invoice, we will send a notice of termination concerning your voluntary insurance policies, stating the final payment deadline. If you do not pay the invoice by the final deadline, we will terminate your voluntary insurance policies and send a final invoice for the period when the insurance policies were valid.

Statutory insurance policies (occupational accident insurance and motor liability insurance) are not terminated when they remain unpaid. Instead, they are transferred for debt collection.

Our invoice includes penalty interest for late payment and reminder fees. What are these?

If you paid your previous invoice after the due date, your next invoice will include penalty interest calculated according to the payment date. 
Fees are also charged for payment reminders and, if these reminder fees are not paid along with the invoice, they will be transferred to your next invoice. The invoice always states the previous invoice from which the fees were transferred.

Our invoice has been transferred to a debt collection agency or debt enforcement. What should we do?

If your insurance invoice has been sent onwards with good reason – meaning that you did not pay the invoice by the deadline – you can contact the debt collection agency or enforcement office to agree on payment. 

Can I pay the premium in more than one instalment?

You can pay the premium all in one go or in 2, 3, 4, 6 or 12 instalments. If you want to pay the invoice in 12 instalments, your company must have a valid e-invoice agreement.

You can change the number of instalments on the corporate eInsurance Service or by calling 0303 0303 (Mon–Fri 8–18) before the due date.

If you send an online message, state which insurance policy the message concerns and the number of instalments you would like to have. If we have anything to ask about the number of instalments, we will contact you.

Can I pay my company’s insurance premiums using my OP bonus?


OP bonus is a benefit developed by OP Financial Group’s OP cooperative banks for owner-customers.

OP bonus accrues to private customers who are OP cooperative bank owner-customers and who have banking, wealth management and/or insurance services entitling them to bonuses.

Our insurance policy was terminated due to a payment default, but we paid the sum stated on the final invoice. Is our insurance now in order?

Insurance policies are not automatically reinstated when you pay the final invoice. 

Contact customer services on 0303 0303 (Mon–Fri 8–18) or talk to your Pohjola Insurance contact person to ensure that your insurance cover is valid.

We terminated an insurance policy. What happens to the invoice we received?

If you terminated the policy, you will receive a new invoice with updated information, and you can ignore the previous invoice. 

Please note that we do not terminate insurance policies by phone – we always need a written notification of termination, either by online message, email or paper post.

We have received several identical invoices for the same contract. Which one shall we pay?

If any changes are made to your insurance contract, we will send you a corrected invoice. Changes to insurance contracts may include changes to coverage, adding a new policy, and changing the number of instalments.

The corrected invoice will state that it replaces an earlier invoice for the same invoicing period. This means that you can pay the invoice you received most recently.

Please note that you may also receive several invoices with the same or similar due dates when changes are made. This is because corrected invoices always have a later due date, so the invoice for the following invoicing period may be included in the same invoice.

We terminated our motor liability insurance immediately after taking it out, but we received an invoice for 14 euros. Do we need to pay this?

The minimum premium for motor liability insurance is 14 euros. This insurance premium covers costs such as insurance premium tax, and it is charged for the period of validity of the insurance in every case.

I received another invoice for a vehicle that I have sold. Isn’t the insurance terminated? 

The change of owner was probably not reported to us by Trafi, and the invoice was sent for that reason. Inform us when you sold the vehicle, and we will look into the matter and terminate the insurance policies according to Trafi’s information if the matter concerns a registered vehicle.

If the matter concerns a non-registered vehicle or working machine, the insurance must be terminated in writing by online message, email or post. 

You can report the sale of a registered vehicle in corporate eInsurance Services or by calling 0303 0303 (Mon–Fri 8–18).

We paid our original invoice late, but we still received a payment reminder. Does this also need to be paid?

It takes a few banking days to record payments, so our system may have sent you a payment reminder in the interim.

If you have paid the original invoice with the correct reference number within a few days, you can disregard the reminder.

Check that you have used the correct reference number.

If the payment was made with an incorrect reference number, it will not be allocated to the correct insurance policy, and we will send a payment reminder for the outstanding invoice. If you have paid an invoice using the wrong reference number and the money has not been returned to the company’s account within a few days, contact Customer Services on 0303 0303 (Mon–Fri 8–18) with the payment details, and we will investigate the status of the payment.

Our invoice is incorrect, it includes the wrong insurance, or we have a complaint about another matter. What should we do?

Please contact us if you have any complaints.

Send an online message on the corporate eInsurance Service or call 0303 0303 (Mon–Fri 8–18).

Some changes have been made to the insurance policy. Will we receive a credit note?

In general, we do not send credit notes. Instead, we will send an updated invoice or a new invoice to replace the previous one. 

If an invoice replaces a previous one, this will be stated on the invoice.

We have received a money order from the bank for incoming money. How can we get this into our account?

The money order has been sent to the nearest bank branch for collection, as we do not have your company’s account number. 
You can notify us of your company’s account number by sending an online message on the corporate eInsurance Service or by calling 0303 0303 (Mon–Fri 8–18).

We have received notification that an insurance premium is being returned, but no payments have been made into our account.

The return may have been offset against a new or outstanding invoice, or we do not have your account number and you will receive a money order from your bank, or your account number is incorrect. 
You can check by contacting customer services in the corporate eInsurance Service or by calling 0303 0303 (Mon–Fri 8–18).

If a payment has been offset against an outstanding invoice, you will receive a breakdown of how the payment was allocated.

Our invoice was late, but now some of it has been paid and a new invoice arrived. What happened?

If the due date stated on the invoice has passed and no payment has been received, any overpayments on other insurance contracts belonging to the customer relationship may be offset against the invoice. 

Compensation payments may also be offset against an invoice if it has not been paid by the deadline.

If money from another insurance policy or compensation has been offset against an invoice, you will receive a new invoice showing how the money was allocated. We will deliver a separate payment breakdown along with the new invoice to show which payment was allocated to which invoice. This breakdown may also be sent by Claims Services if the offset money was linked to a compensation payment.