In 2026, bonuses from Pohjola Insurance's home and property insurance premiums and comprehensive motor vehicle insurance premiums will accumulate at 5 per cent instead of the regular 0.4 per cent. The additional benefit for our owner-customers is more than 30 million euros. Both existing and new owner-customers will be able to enjoy this benefit. OP bonuses are not earned from motor liability insurance. A bonus of 0.4 per cent is paid for travel insurance policies.
"Thanks to OP Pohjola's good performance, we can increase the bonuses customers earn from home, property, and comprehensive motor vehicle insurance more than ten-fold next year. So more services means bigger bonuses – and even bigger next year," says Timo Ritakallio, President and Group CEO of OP Pohjola.
Additional benefit complements the new benefits package
The fixed-term additional benefit for owner-customers will complement the set of renewed benefits as of 1 January 2026. From January, the bonuses customers earn from banking and wealth management services will be subject to capital income tax. Customers will not have to pay tax on bonuses from insurance premiums as they are considered retrospective discounts on living expenses.
"This additional benefit applies to the insurance products that are most familiar to our customers, such as home insurance, which nearly every Finn has," says Vesa Aho, CEO, Pohjola Insurance Ltd.
A long history of owner-customer benefits
Since 1999, we have paid our owner-customers more than four billion euros in OP bonuses. Thanks to OP Pohjola's good financial performance, our owner-customers have enjoyed various additional benefits worth more than 450 million euros since 2023. Decisions on any additional benefits for owner-customers based on OP Pohjola's financial success are made annually.