Continue to pay insurance premiums with your OP bonuses

Owner-customer's OP bonuses starting from 1 January 2026

1. Get all your banking and insurance services from OP Pohjola
   As an OP cooperative bank owner-customer, you own a part of your bank. Enjoy the best benefits as our owner-customer – you get many benefits and earn OP bonuses.
    
2. The more services you use, the more OP bonuses you earn
   You earn bonuses on all your insurance policies, with the exception of statutory motor liability insurance. The OP bonuses you earn from insurance policies are tax exempt, as they are considered discounts, not capital income. Other bonuses you earn from banking services, loans and funds are considered taxable capital income as of 1 January 2026.
    
3. As of 1 January 2026 you can choose if you want to use your OP bonuses to pay insurance premiums
   The default selection is to use OP bonuses for banking service charges and insurance premiums. If you want to continue to use your bonuses to pay insurance premiums, you don't need to do anything. You can also use your bonuses for funds, legal service fees, or get them in cash.

Other benefits for owner-customers from insurance policies

As an owner-customer, you also get the following benefits:

• A benefit of 250 euros in your deductible for Pohjola Home Insurance covering losses caused by fire, natural phenomena and crime. If, for instance, your bicycle is stolen, your deductible can be as low as 0 euros.
• 25% discount on the price of life insurance.
• 10% discount on almost all of your insurance policies if you have policies from at least three different insurance categories.

You become an Owner Plus customer when you are our owner-customer and use a certain number of OP Pohjola products and services. As of 1 January 2026, an Owner Plus insurance service will be available to Owner Plus customers for expert advice on complex insurance and claims matters.