Car insurance
Calculate your premium and choose the best insurance for your passenger car.Motor liability insurance with quick bonus development
An incredible 40% starting bonus on a new driver’s motor vehicle insurance – you will not find a better starting bonus anywhere! With the quick bonus development, you will earn an 80% maximum bonus in as quickly as five years.
Voluntary comprehensive motor vehicle insurance for your car
Include a voluntary comprehensive motor vehicle insurance in your insurance policy and get comprehensive cover against losses. Our most comprehensive policy, Super Motor Insurance, even covers damage to your car when it is parked in a parking garage.
Car insurance now covers windscreen damage
Windscreen Cover is an optional additional cover for your car insurance. It covers your vehicle’s windscreen and windows against glass cracks and other damage. Windscreen Cover is now available for all comprehensive motor vehicle insurance policies for passenger cars.
Pohjola Repair Advisor provides immediate help in the event of loss across Finland – without unnecessary loss reports
When you contact a Pohjola Repair Advisor about a loss event, the Repair Advisor handles any repairs and claim applications for you. You will only have to pay for the possible deductible when visiting the repair shop and the Repair Advisor will charge Pohjola Insurance directly for the rest.
Your kilometres driven now affect the price of motor vehicle insurance
Your number of kilometres driven now affects the price of new comprehensive motor vehicle insurance policies. If you drive very little during the year, this is reflected in the price of your motor vehicle insurance. If the number of kilometres you drive changes, you can report the new number easily at op.fi. Your number of kilometres driven has no effect on your insurance coverage.
Looking for the cheapest car insurance? Lower price for loyal customers
As a loyal customer of Pohjola Insurance or an owner-customer of OP cooperative bank, you can get up to 10 % off the annual price of the comprehensive motor vehicle insurance with bonus entitlement and earn OP bonuses that can be used for paying insurance premiums.
Learn more about our benefits and get a quote for insurance online.
Pohjola Car Insurance – Cover tailored for your car
Pohjola Car Insurance offers excellent cover for your passenger car. Car insurance policies always include mandatory motor liability insurance. In the event of an accident, motor liability insurance covers all personal injuries and any property damage to the innocent party.
At its best, car insurance also includes voluntary comprehensive motor vehicle insurance. Comprehensive motor vehicle insurance covers loss and damage, such as vandalism, windscreen damage and collision damage, based on the types of cover you have chosen to include in your insurance policy.
Comprehensive motor vehicle insurance options for Pohjola Motor Vehicle Insurance include Medium Motor Insurance, Standard Motor Insurance and the most comprehensive Super Motor Insurance.
How is the price of motor vehicle insurance determined?
The price of motor vehicle insurance is based on the vehicle’s properties, including make, engine power, weight and age. The selected coverage, estimated kilometres driven and the policyholder’s details, such as earned motor vehicle insurance no-claims bonus, also affect the price. Your motor vehicle insurance premium is also influenced by the deductible you choose and possible discounts to which you are entitled.
To get a recommendation and price for insurance that suits your car, enter your car’s registration number in the calculator at the top of the page.
Can I get a discount on motor vehicle insurance?
As a Pohjola Insurance prime customer, you get a 7% discount on comprehensive motor vehicle insurance with a no-claims bonus. If you are also an OP cooperative bank owner-customer, you get an extra 3% discount on comprehensive motor vehicle insurance for a total discount of nearly 10%.
Can I use OP bonuses to pay motor vehicle insurance premiums?
As an OP cooperative bank owner-customer, you earn OP bonuses from your monthly transactions. The bonuses are automatically used to pay insurance premiums. As an owner-customer, you will get OP bonuses 40% more than normal in 2024. For example, a home loan of 100,000 euros earns you 350 euros in OP bonuses in one year.
Thanks to OP bonuses, your annual motor vehicle insurance premium can be very low: after your OP bonuses have been deducted from you motor vehicle insurance bill, you will have less to pay.
Should I get the cheapest car insurance?
The price of your car insurance is based partly on the cover you have chosen to include in your insurance policy. The more comprehensive the cover, the more expensive your auto insurance. The motor vehicle insurance price calculator lets you instantly check the insurance premium for your car. You can easily compare the cover of the various types of comprehensive motor vehicle insurance to see how the cheapest price can affect the cover provided by the insurance.
However, a cheap car insurance may be surprisingly expensive when a loss event occurs, if it does not cover the loss or damage in question. In such case, you may end up paying a high price for your cheap insurance policy.
For example, if the car you use daily is damaged, finding and paying for a replacement car out of pocket may be time-consuming and costly. Cheap car insurance policies also rarely compensate for damage caused by an unknown party by scratching or bumping into your parked car.
In reality, the cheapest car insurance is one that actually helps when you need it. When taking out car insurance and comparing the price of different insurance policies, it is worth considering the total costs that a loss or damage might cause you. In the event of a loss, the cheapest car insurance is not necessarily cheap at all.
What does car insurance cover?
| Super Motor Insurance | Standard Motor Insurance | Medium Motor Insurance | |
|---|---|---|---|
| An unknown third party collided with your parked car | Selectable | Ei | Ei |
| We will pay you a higher redemption amount if your vehicle is damaged too badly to justify repairs. | Selectable | Ei | Ei |
| You will get access to a replacement car if the damage is due to a technical fault or accident covered under comprehensive motor vehicle insurance | Selectable | Ei | Ei |
| Your car’s windscreen breaks, or an impact to the windscreen causes a crack can that can be repaired | Selectable | Selectable | Selectable |
| Your car is damaged due to a crash, collision or swerving off the road, for example | Kyllä | Kyllä | Ei |
| Your journey is interrupted due to a technical fault in the car or another reason, resulting in additional expenses for you | Kyllä | Kyllä | Selectable |
| Your car is scratched or otherwise intentionally vandalised | Kyllä | Kyllä | Selectable |
| You incur legal expenses in a dispute related to the car’s ownership, for example | Kyllä | Kyllä | Kyllä |
| Your locked car is broken into or an attempt is made to steal the car | Kyllä | Kyllä | Kyllä |
| You get into a collision with an elk, deer or other animal, damaging your car | Kyllä | Kyllä | Kyllä |
| Your car suffers fire damage due to a short circuit of electrical equipment, for example | Kyllä | Kyllä | Kyllä |
| Motor Liability Insurance Personal injuries and damage to the other party’s property caused by the collision |
Kyllä | Kyllä | Kyllä |
