Car insuranceCalculate your premium and choose the best insurance for your passenger car.
Calculating the price and buying the insurance policy is not possible right now. We apologise for any inconvenience caused by this disruption.
Try again soon or buy insurance by contacting customer service by calling +358 10 253 1333 (Mon‒Fri 9–16).
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 – 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. For example, a home loan of 50,000 euros earns you 125 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 car 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
Insuring your car with Super Motor Insurance - the best cover for your car
If you want to ensure the best possible insurance cover and stay on the road whatever happens, we recommend Super Motor Insurance. Super Motor Insurance is a motor vehicle insurance that you can tailor to your needs with the following four types of optional cover:
1. Consequential Loss Cover
With Consequential Loss Cover, we will deliver a replacement car to the scene of loss, if necessary. Thanks to the replacement car, you can continue your life normally while your own car is being repaired.
2. Parking Cover
Parking Cover covers dents caused by an unknown party in a car park.
3. Windscreen Cover
With Windscreen Cover, your car’s broken windscreen or windows are replaced with no loss of no-claims bonus. If the windscreen or window is repaired, you pay no deductible. Windscreen Cover is also available as an option in other comprehensive motor vehicle insurance policies for passenger cars.
4. Super Salvage
Super Salvage offers a higher redemption amount, giving you a better price if your car is redeemed. There are two salvage options: redemption at replacement value or redemption at current value plus an increase of up to 30%.
The amount we pay for redemption at replacement value is the cash sales price of a new similar vehicle at the time of the loss or when the vehicle was last for sale. If the conditions for redemption at replacement value are not met, we can redeem the car at its current value before the accident plus an increase of up to 30%. For detailed information on salvage cover and the terms, see the insurance terms and conditions for comprehensive motor vehicle insurance at the bottom of this page.
What kind of motor vehicle insurance suits me?
Each passenger car to be used in traffic requires a statutory motor liability insurance, which can be supplemented by a comprehensive motor vehicle insurance that suits you and your car. When selecting comprehensive motor vehicle insurance, you should account for the value and age of your car as well as the risks you want to be covered for.
We recommend you to take out Super Motor Insurance, if:
- Your car is new or relatively new or 15 years old at most
- You wish to insure you car as extensively as possible, e.g., against parking accidents, the windscreen breaking, or in the case of salvaging
We recommend Standard Motor Insurance, if:
- The value of your car is EUR 15,000 at maximum and its age is 3–19 years
- You wish to insure your car against collisions, travel interruptions and vandalism
We recommend Medium Motor Insurance, if:
- Your car is 25 years old at most
- Comprehensive motor vehicle insurance with basic cover, which secures you against animal collisions and theft, for example, is sufficient for you
Are you a new driver or are you seeking motor vehicle insurance for a young person?
Read more about the aspects that should be accounted for when selecting your first motor vehicle insurance.
Why choose Pohjola Car Insurance for your car?
Pohjola Car Insurance is an excellent package for both new and experienced drivers. Below you can find more information about why Pohjola Car Insurance suits any driver.
Motor vehicle insurance no-claims bonus
As a new driver, you can get an initial bonus of up to 40% on your motor liability insurance. By driving safely, you can quickly increase your bonus, and in two (2) years it may be up to 60%. We reward experienced drivers with a maximum bonus of up to 80% and bonus cover that offers protection against loss of no-claims bonus.
Whether you are a new or an experienced driver, you will get a full 70% bonus for your comprehensive motor vehicle insurance to begin with.
The calculator will also calculate the personal bonus for your motor vehicle insurance when you check the price of your motor vehicle insurance. The motor vehicle insurance bonus calculator will calculate the bonus for both the motor liability insurance and comprehensive motor vehicle insurance based on your information.
Low motor vehicle insurance deductibles
The best motor vehicle insurance helps in the event of loss or damage. If you include comprehensive motor vehicle insurance in your Pohjola Motor Vehicle Insurance policy the deductible can be as low as EUR 200, which means you do not have to spend your own money in the event of loss or damage.
Pohjola Claim Help – instructions on what to do always easily available
Pohjola Claim Help is at your service in the event of loss or damage. Claim Help provides clear instruction for everything from what to do at the place of loss to filing a loss report and motor vehicle insurance coverage. Pohjola Claim Help also lists the contact details of our repair shop partners.
Pohjola Claim Help is also available on OP-mobile and always with you wherever you go.
The free Pohjola Repair Advisor service is here to help you in the event of motor vehicle damage
When you insure your car with Pohjola motor vehicle insurance including comprehensive motor vehicle insurance, the Pohjola Repair Advisor service will assist you free of charge. In the event of motor vehicle damage, you can take your car to the nearest Pohjola Repair Advisor shop. The Repair Advisor will fix your car and submit a loss report on your behalf. 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.
Pohjola Repair Advisor shops provide services across Finland. Find the contact details of the nearest Pohjola Repair Advisor using the Pohjola Claim Help service.
You can easily switch your motor vehicle insurance to another insurance company any time – even in the middle of the insurance period. When you purchase a motor vehicle insurance policy from our online store, we will handle the switch for you and terminate your old insurance policy. When you are the owner or holder of the vehicle, we will also automatically forward the updated information to the Traficom Vehicular and Driver Data Register.
The motor vehicle insurance bonus is formed by combining the motor liability insurance bonus with the comprehensive motor vehicle insurance collision cover no-claims bonus. Motor liability insurance bonus is based on your personal insurance and claims history, which takes into account how long you have had vehicles insured under your name, as well as whether any insurance claims have been made for the vehicles.
A passenger car's motor liability insurance bonus will increase more quickly than previously, and decrease more moderately if an accident occurs. The motor liability insurance starting bonus is at least 40%, with 80% the maximum. Bonus percentages you have achieved can also be used for any other car you have.
You will always receive a full initial bonus of 70% for the collision cover of your comprehensive motor vehicle insurance. A claim compensated under Collision Cover will decrease the collision cover bonus by 10 percentage points. Claims filed for losses due to storm or hail, for example, will not reduce your bonus. After insurance periods with no claims, the bonus will increase by 10% a year. For more information on how motor vehicle insurance bonus is earned, see the motor vehicle insurance product guide.
Insurance and claims history certificate
If you need you a certificate of your vehicles’ insurance and claims history, you can order it from the Finnish Motor Insurers' Centre. You can prove your claims history to a foreign insurance company.
The insurance is issued by Pohjola Insurance Ltd.