Benefits by Pohjola Insurance
As our prime customer, you are entitled to substantial discounts on insurance.Prime customer benefits and discounts
As our prime customer, you enjoy comprehensive cover and lower insurance premiums.
Improved benefits for ages 18 to 27
We offer our young prime customers a discount of up to 21% on nearly all home and family insurance.
See which benefits you are entitled to
Select the insurance policies you and members of your household currently hold to see what benefits you are entitled to.
See which benefits you are entitled to
Select the insurance policies you and members of your household currently hold to see what benefits you are entitled to.
Why is it worthwhile to concentrate your insurances?
By concentrating your insurance at Pohjola Insurance and becoming our prime customer, you get substantial benefits and discounts on your insurance. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts. The bonuses you have received as an owner-customer are also used for your insurance premiums.
Prime customer’s benefits apply to all members of your household. By combining the insurance policies of your household’s members, you will receive prime customer’s benefits for all people living in your household.
How to combine your household’s insurance policies:
- Log into the op.fi service or through OP-Mobile.
- Contact our Customer Service at Messages and tell them that you want to combine your household’s insurance policies into a single whole.
- Customer Service will ask you to provide the necessary information on your household’s members and then combine your household’s insurance policies.
Benefits and discounts depending on your customer relationship:
| All insurance customers | Insurance prime customers | |
|---|---|---|
| Free NewLife life insurance | Kyllä | Kyllä |
| 5 % discount on life insurance purchased online | Kyllä | Kyllä |
| 2,5 % discount when paying bills in one instalment | Kyllä | Kyllä |
| 7 % discount on home, property and personal insurance (not including life insurance), continuous travel insurance, comprehensive motor vehicle insurance | Ei | Kyllä |
| 21 % discount on most insurance policies for customers ages 18-27 | Ei | Kyllä |
| Free 50 % increase in the sum insured under life insurance | Ei | Kyllä |
As an OP cooperative bank owner-customer, you also get the following benefits: |
||
| OP-bonuses can be used to pay insurance premiums | Kyllä | Kyllä |
| Deductible benefit of 250 euros in losses or damage due to fire, natural phenomena and theft and covered by MyHome Insurance | Kyllä | Kyllä |
| Free 50 % increase in the sum insured under life insurance | Kyllä | Kyllä |
| Free Product Protection Insurance with OP-Visa or OP Duo cards | Kyllä | Kyllä |
| An extra 3 % discount on insurance policies | Ei | Kyllä |
What is the difference between a Pohjola Insurance prime customer and OP cooperative bank owner-customer?
To become a prime customer, you need to have insurance policies from three different categories. You are entitled to prime customer discounts even if you are not an OP banking customer.
As an OP cooperative bank owner-customer, you own a part of your local bank. You get benefits and discounts on banking and insurance services, enjoy benefits offered by our partners and also earn OP bonuses that can be used to pay insurance bills, for example. Your accrued OP bonuses are used automatically. These are a tax-exempt benefit, which means that you cannot decide which insurance premiums they are used to pay.
You get the best benefits when you are both an insurance prime customer and an OP cooperative bank owner-customer.
Become our prime customer
To become a prime customer, you simply need to insurance yourself, your loved ones or your property with policies from at least three different insurance categories. If you are an owner-customer aged 70 or above, you are entitled to discounts on only two policies.
There are five insurance categories in total:
How to check your customer status
Are you already a prime customer? If you are, the loyalty discount for prime customers is shown on your insurance bill or policy document. You can find them at op.fi in your My archive.
You can also check your customer relationship status easily with the prime customer checker at the top of this page. Simply select which policies you currently have at Pohjola Insurance to see whether you are entitled to benefits. Be sure to also list your spouse’s policies, for example, as prime customer status takes into account all policies in the same household. For example, if you and your spouse have policies from a combined total of three different categories and have reported to us that you live in the same household, you will both become prime customers.
Get your insurance needs in order - enjoy benefits and comprehensive cover
The simplest way to update your insurance cover is by a single request for quote for all your insurance needs that you have not yet purchased from Pohjola Insurance. Sending the request for quote is free of charge and does not obligate you to purchase any of the policies offered. Keep in mind that in order to enjoy prime customer benefits and discounts, you need insurance from three different categories.