Insurance policies for a bus
Customisable motor vehicle insurance tailored to your business needs
Our experts will tailor an insurance solution that meets the needs of your company.
Commercial Transport Extra provides easy and simple basic cover for everyday operations.
All key insurance policies and crisis assistance in one package. Crisis assistance insurance helps you in case of a road accident, assault, or robbery, or if an accident occurs.
Pohjola Insurance works in close collaboration with the Finnish Bus and Coach Association.
The Finnish Bus and Coach Association's objective as a social influencer is to ensure good, equal and sustainable operating conditions for its member organisations both in urban and road transport, and to offer customers high-quality, comprehensive transport services.
Statutory and supplementary insurance policies for a bus
A bus is a vehicle designed for passenger transport with a capacity of more than 8 passengers in addition to the driver. You can supplement your statutory insurance policies such as the motor liability insurance with additional voluntary policies.
Statutory and supplementary insurance policies for a bus operated by a business
| Maxi motor insurance | Medium motor insurance | |
|---|---|---|
| Motor liability insurance | Kyllä | Kyllä |
| Theft insurance | Kyllä | Kyllä |
| Fire insurance | Kyllä | Kyllä |
| Animal Insurance | Kyllä | Kyllä |
| Vandalism insurance | Kyllä | Kyllä |
| Legal expenses insurance | Kyllä | Kyllä |
| Motor vehicle (own) damage insurance | Kyllä | Ei |
You can include these supplementary insurance covers in the comprehensive motor vehicle insurance of your choice for an additional premium:
| Maxi motor insurance | Medium motor insurance | |
|---|---|---|
| Tow insurance | Kyllä | Kyllä |
| Windscreen insurance | Kyllä | Ei |
| Consequential loss insurance | Kyllä | Ei |
| Financial insurance | Kyllä | Ei |
| International third-party motor liability insurance | Kyllä | Ei |
| Fraud insurance | Kyllä | Ei |
Tow insurance for a bus
- Tow insurance is a supplementary insurance policy for buses. Tow insurance covers additional costs caused by the interruption of a journey that has already begun due to a fault or damage to the insured vehicle.
- The maximum compensation paid under the tow insurance is EUR 5,000.
- Additional travel and accommodation costs incurred to the driver of the vehicle by the breakage or theft of the vehicle are covered up to a maximum of EUR 200 if the loss occurs in Finland, and up to a maximum of EUR 1,000 if the loss occurs somewhere else within the territorial limits of the insurance.
Financial insurance
- Financial insurance covers losses incurred by the dealership, finance company, or holder of a pledge or motor vehicle mortgage entered as the vehicle’s owner due to damage to the vehicle, provided that the loss is not covered by basic insurance. The deductible is based on the insurance which the loss concerns.
Bus windscreen insurance
- Windscreen insurance covers bus windscreen damage, a deductible is applied to windscreen replacement costs. A deductible is not applied to windscreen repair.
Consequential Loss Cover for a bus
- Consequential loss cover covers lost days of vehicle use as a result of damage to your own motor vehicle, collision with an animal, vandalism, windscreen damage, fire or theft up to a maximum of 40 days.
Fraud insurance for a bus
- Fraud insurance covers the value of a bus not returned within 30 days as a result of fraud or misappropriation.
International third-party motor liability insurance for a bus
- Provides coverage for the driver and passengers in case of personal injury that occurs abroad and is not covered by the Finnish statutory workers' compensation insurance, the passengers' personal insurance, or the vehicle's motor liability insurance.
All key insurance policies in one package
Commercial Transport Extra is an easy way to guard against the most common risks for bus companies. Commercial Transport Extra covers your company’s property and operations, including property, liability, legal expenses, and crisis insurance.
The insurance package covers your business’s property, such as tools used for repair and maintenance, vehicle spare parts, payment terminals, and telephones. Your customers’ luggage is also covered during transport.
For example, we will compensate you for:
- breakage, theft, or other sudden damage to moveable property
- the cleaning of a vehicle's interior soiled due to the actions of a customer
- personal or property damage resulting from your actions during commercial transport in case you are liable for the damage
- legal and litigation expenses related to commercial transport
- acute crisis therapy in case of a road accident, assault, or robbery.
