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Comprehensive motor vehicle insurance

Comprehensive motor vehicle insurance is voluntary and covers damages to your vehicle

Comprehensive motor vehicle insurance for your car: Choose from three different options

Our comprehensive motor vehicle insurance options for cars, vans and lorries are Medium Motor Insurance, Standard Motor Insurance and the most comprehensive option, Super Motor Insurance. See our recommendation for your vehicle and choose the best policy for you.

Comprehensive motor vehicle insurance for motorists and campervans: Maxi Motor Insurance or Medium Motor Insurance

Our comprehensive motor vehicle insurance options for motorcycles, mopeds and other vehicles are Medium Motor Insurance and Maxi Motor Insurance. The most comprehensive option, Maxi Motor Insurance, compensates damage incurred to your bike while parked, for example.

70% comprehensive motor vehicle insurance bonus from the get-go for all vehicles

Comprehensive motor vehicle insurance collision cover starts with a full bonus of 70%. You get collision cover for your vehicle when you choose Standard Motor Insurance, Super Motor Insurance or Maxi Motor Insurance.

Claim Help 24/7 and Pohjola Repair Advisor at your assistance in the event of an accident

As our customer, you get assistance 24/7 in accidents from the Pohjola Claim Help service. In the event of a vehicle accident, you will also be assisted by Pohjola Repair Advisor, who will handle the repair and the claim process for you.

Select a vehicle and calculate the price

Comprehensive motor vehicle insurance brings you one step closer to Pohjola Insurance benefits for prime customers

You become our prime customer when you take out insurance from at least three product groups. By choosing Pohjola for your motor liability insurance and comprehensive motor vehicle insurance, you already have insurance from two product groups.
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What is comprehensive motor vehicle insurance?

Motor liability insurance is mandatory for all vehicles. In the event of an accident, it covers all personal injuries and any property damage suffered by the innocent party.  However, motor liability insurance alone is not enough to protect your vehicle against vandalism, a broken windscreen or damage to the vehicle while parking. For these, you need comprehensive motor vehicle insurance. Comprehensive motor vehicle insurance is a voluntary motor insurance covering you against various types of loss or damage to your vehicle.

What does comprehensive motor vehicle insurance cover?

Comprehensive motor vehicle insurance varies, depending on the level of cover you choose – the more extensive the option, the better the coverage against different losses. The best comprehensive motor vehicle insurance for a passenger car includes four additional cover options. Comprehensive motor vehicle insurance supplemented by additional cover options insures your car against vandalism, windscreen damage, fire, technical malfunctions, collisions, driving off the road, and damage to the car in indoor car parks, for example. Additional covers may include comprehensive salvage cover, i.e. Super Salvage, which extensively covers expenses arising from salvaging a vehicle.

Windscreen Cover is available for all our comprehensive motor vehicle insurance policies for passenger cars. The cover compensates damage to your car’s windscreen or other window due to a rock or a loose stud from a tyre, for example.

Comprehensive motor vehicle insurance for cars: Medium Motor Insurance, Standard Motor Insurance and Super Motor Insurance

Our comprehensive motor vehicle insurance options for passenger cars, lorries and vans are Medium Motor Insurance, Standard Motor Insurance and Super Motor Insurance. 

The most inexpensive option, Medium Motor Insurance, covers against fire and theft, for example. You can also customise Medium Motor Insurance to cover vandalism to your car. In Medium Motor Insurance for a passenger car, you can also include cover against windscreen and window damage. Medium Motor Insurance does not, however, cover damages due to driving off the road, for example.

Standard Motor Insurance covers damages due to driving off the road and automatically includes cover against vandalism. Standard Motor Insurance’s Collision Cover provides cover if an unknown party damages your parked car in an indoor car park or street parking, for example. When claiming compensation from Collision Cover, you lose your insurance’s no-claims bonus.

The most comprehensive option, Super Motor Insurance, covers the above types of parking damages from the optional parking cover for passenger cars without loss of no-claims bonus. You can also expand Super Motor Insurance with optional covers, such as consequential loss cover, windscreen cover and Super Salvage for a higher redemption amount.

What is the best option for my car?

Your choice of comprehensive motor vehicle insurance is affected not only by your own needs but also by the age of your vehicle and its value. For a new and valuable car, you should take out a policy that is as comprehensive as possible. For an older car, fewer covers may be sufficient. Below are a few rules of thumb that may be helpful in deciding on the right comprehensive motor vehicle insurance for your car:

  • Medium Motor Insurance is suitable for older cars.
  • Standard Motor Insurance is suitable for cars that are worth up to 15,000 euros and 3‒19 years old.
  • Super Motor Insurance is excellently suited for new or relatively new cars, but also for any car that is less than 15 years old.

Comprehensive motor vehicle insurance for other vehicles: Maxi Motor Insurance and Medium Motor Insurance

When you want to insure a motorcycle, campervan, moped, light quadricycle, all-terrain vehicle, snowmobile, caravan or light trailer, you can choose from two comprehensive motor vehicle insurance options: Maxi Motor Insurance and Medium Motor Insurance. 

Medium Motor Insurance is suited for all vehicles up to 25 years old. Maxi Motor Insurance is best suited for motorcycles subject to registration as well as campervans, mopeds, quad bikes, snowmobiles and light quadricycles up to 15 years old and for caravans and light trailers (max. 3500 kg).

Tractors aged 0–50 years and not in production use can be insured against fire, theft and legal expenses. For an unregistered motorcycle, you can take out Medium Motor Insurance without optional additional coverage.

Comparison: Super Motor Insurance, Standard Motor Insurance or Medium Motor Insurance

You will find the comparison between the covers provided by the Maxi Motor Insurance and the Medium Motor Insurance for campervans close to the comparison between comprehensive motor vehicle insurance for motorcycles.

What do the various comprehensive motor vehicle insurance policies cover?

 

Super Motor Insurance

 

Standard Motor Insurance

 

Medium Motor Insurance

 

Parking cover

You will be compensated if your parked car was hit by another party that remained unidentified and you can specify the exact place and time of loss. Deductible €200.

Available for cars

No

No

Windscreen cover

You will be compensated if your car’s windscreen or any window is broken by being directly hit by something. The deductible is €200 if the glass is replaced and €0 if the glass is repaired but not replaced.

Available

Available for passenger cars and vans

Available for passenger cars and vans

Higher redemption amount / Super Salvage

We will pay you a higher redemption amount if your vehicle is so badly damaged that its repair costs would be too high. The deductible for the cover to which the loss is related.

Selectable

No

No

Replacement car / Loss of use of the car

If your journey is interrupted due to a technical fault in your car, you will get a replacement car for up to seven days as of the date of loss. You can also get a replacement car for a maximum of 30 days or a daily compensation of EUR 50 when your vehicle is being repaired because of a coverable loss, such as collision or vandalism. No deductible.

Selectable

No

No

Loss of use of a van or lorry

We will pay you the daily compensation you chose when you took out your policy, €40 or €90, which you will receive for up to 30 days while your vehicle is being repaired due to a damage covered by your policy. No deductible, or a qualifying period of 3 days with the compensation starting as of Day 4.

Selectable

No

No

Collision cover

You will be compensated if your vehicle is damaged by, for example, a collision, swerving off the road, a road collapse or a storm. Deductible starting at €200.

Yes

Yes

No

Vandalism cover

You will be covered for damage to your car caused by vandalism. Deductible €200.

Yes

Yes

Selectable

Towing / Emergency road service

You will receive service if your travel is interrupted owing to a damage or technical fault, or when a car you have locked has been stolen. We will compensate, for example, the costs of towing or pulling the vehicle back onto the road, the costs of repair performed at the place of loss, and extra travel and accommodation costs arising from the interruption of the journey. If your drive is interrupted abroad, Super Motor Insurance’s emergency road service can help you obtain a rental car. No deductible.

Yes

Yes

Selectable

Cover for legal costs

You will receive compensation for reasonable legal costs in a disputed civil case, criminal case or non-contentious civil case concerning, for example, the ownership, driving and possession of the vehicle. The maximum compensation is €10,000. Deductible 15% of the expenses, but no less than €200 per loss.

Yes

Yes

Yes

Theft cover

You will receive compensation if your vehicle that you locked has been broken into or used without permission or an attempt has been made to steal it, and you have reported the offence. Deductible €200.

Yes

Yes

Yes

Animal collision cover

You will receive compensation if your car is damaged due to a collision with an animal. Deductible €200.

Yes

Yes

Yes

Fire cover

You will receive compensation if your car catches fire. For example, a short circuit in a piece of electrical equipment in your car may cause a fire. Deductible €200.

Yes

Yes

Yes

International liability

You will receive compensation if you operate your vehicle in a non-EEA-area Green Card agreement country, such as Russia, if you have personal indemnification liability as the guilty partner of a road accident and if the loss is not compensated from motor liability insurance according to the laws of the country in question. The maximum compensation is EUR 100,000 for bodily injuries and EUR 50,000 for material damage. Deductible €200.

Yes

Yes

Yes

Financing Cover

We will pay compensation to the vehicle owner, e.g. a dealership or finance company, for loss of or damage to the vehicle if compensation is otherwise refused according to our terms and conditions. The deductible for the cover to which the loss is related.

Selectable

Selectable

No

 

Comparison: Maxi Motor Insurance or Medium Motor Insurance

What do the various comprehensive motor vehicle insurance policies cover?

 

Maxi Motor Insurance

 

Medium Motor Insurance

 

Parking cover

You will be compensated if your parked motorcycle or campervan was hit by another party that remained unidentified and you can specify the exact place and time of loss. Deductible €200.

Selectable for motorcycles and campervans

No

Windscreen cover

You will be compensated if your campervan’s windscreen or any window is broken by being directly hit by something. The deductible is €200 if the glass is replaced and €0 if the glass is repaired but not replaced.

Selectable for campervans

No

Higher redemption amount / Replacement value

We will pay you a higher redemption amount if your motorcycle of over 125cc or your campervan is so badly damaged that its repair costs would be too high. Deductible for the cover to which the damage relates.

Included for campervans

Selectable for motorcycles

No

Business interruption insurance

We will pay you the daily compensation you chose when you took out your policy, €40 or €90, which you will receive for up to 30 days while your motorcycle or campervan is being repaired due to a damage covered by your policy.

No qualifying period or a qualifying period of three days in which case indemnity is paid from the fourth day onwards.

Selectable for motorcycles and campervans

No

Towing / Emergency road service

You will receive service if your travel is interrupted owing to a damage or technical fault, or when a vehicle you have locked has been stolen. We will compensate, for example, the costs of towing or pulling the vehicle back onto the road, the costs of repair performed at the place of loss, and extra travel and accommodation expenses arising from the interruption of the journey. No deductible.

Included for motorcycles, campervans and light quadricycles

Selectable for motorcycles, campervans and light quadricycles

Vandalism cover

You will be covered for damage to your vehicle caused by vandalism. Deductible €200.

Yes

Selectable motorcycles and light quadricycles

Collision cover

You will be compensated if your vehicle is damaged by, for example, a collision, swerving off the road, a road collapse or a storm. Deductible starting at €200.

Yes

No

Cover for legal costs

You will receive compensation for reasonable legal costs in a disputed civil case, criminal case or non-contentious civil case concerning, for example, the ownership, driving and possession of vehicles. The maximum compensation is €10,000. Deductible 15% of the expenses, but no less than €200 per loss.

Yes

Yes

Theft cover

You will receive compensation if your vehicle that you locked has been broken into or an attempt has been made to steal it or it has been used without permission, and you have reported the offence. Deductible €200.

Yes

Yes

Animal collision cover

You will receive compensation if your vehicle is damaged due to a collision with an animal. Deductible €200.

Yes

Yes

Fire cover

You will receive compensation if your vehicle catches fire. For example, a short circuit in a piece of electrical equipment in your vehicle may cause a fire. Deductible €200.

Yes

Yes

International liability

You will receive compensation if you operate your vehicle in a non-EEA-area Green Card agreement country, such as Russia, if you have personal indemnification liability as the guilty party of a road accident and if the loss is not compensated from motor liability insurance according to the laws of the country in question. The maximum compensation is EUR 100,000 for bodily injuries and EUR 50,000 for material damage. Deductible €200.

Yes

Yes

Financing cover

We will pay compensation to the vehicle owner, e.g. a dealership or finance company, for loss of or damage to the vehicle if compensation is otherwise refused according to our terms and conditions. The deductible for the cover to which the loss is related.

Selectable

No

 

Collision Cover

Collision Cover is a part of comprehensive motor vehicle insurance that offers cover against collision, swerving off the road and damage caused by a road collapse, for example. Collision Cover is also colloquially referred to as collision insurance. Collision Cover is also closely linked to comprehensive motor vehicle insurance bonus, as the number of losses covered by Collision Cover affects your earned bonus, and the premium for Collision Cover is lower based on the number of insurance periods without any claims.

Comprehensive motor vehicle insurance bonus

Comprehensive motor vehicle insurance collision cover begins with a bonus of 70%. Comprehensive motor vehicle insurance bonuses increase for no-claims insurance periods by 10% a year up to 70%. The accumulated comprehensive motor vehicle insurance bonus reduces the collision cover premium.

Comprehensive motor vehicle insurance bonus increases when a vehicle has been used in traffic during an insurance period for at set number of days without any losses covered under Collision Cover. The number of days is 120 days for cars and 90 days for motorcycles. Please note that comprehensive motor vehicle insurance bonuses decrease with each loss indemnified under Collision Cover by 20 percentage points.

For example, if your comprehensive motor vehicle insurance bonus at Pohjola Insurance is 70% and you claim a loss, your bonus falls to 60%. Claims filed for losses due to storm or hail, for example, will not reduce your bonus.

Price of comprehensive motor vehicle insurance

The price of comprehensive motor vehicle insurance is determined by the vehicle’s properties, and your details. Vehicle-specific factors affecting the price of comprehensive motor vehicle insurance include the tare weight or total weight, cylinder volume, power-to-weight ratio (kW/kg), age and municipality in which you use the vehicle. The make and body type of the car and the chosen deductible also affect the price of comprehensive motor vehicle insurance. The higher the deductible, the lower the payment. 

Your history as policyholder and the bonuses you have accumulated are examples of personal data that affect the price of your comprehensive motor vehicle insurance. The scope of coverage you choose for the insurance and the deductible in collision cover also affect the insurance’s price. A policy with extensive coverage is often costlier than a more limited option.

The product guide contains more information on the factors that affect the price of a comprehensive motor vehicle insurance. You can calculate the price of your insurance quickly and easily in our webshop.

Extensive motor insurance, super motor insurance - there are many names for it

Coverall, super or extensive comprehensive motor vehicle insurance are terms you might hear when motor vehicle insurance is the topic of debate. Terms like these, e.g. super motor vehicle insurance usually refer to an insurance providing the widest coverage against adversities, in short, to the best comprehensive motor vehicle insurance available.

The most comprehensive motor vehicle insurance policies offered by Pohjola Insurance are the Super Motor Insurance for cars or the Maxi Motor Insurance for campervans or motorcycles.

Please note that the different types of cover included in comprehensive motor vehicle insurance policies may also be referred to as insurance, such as windscreen insurance, collision insurance and theft insurance. In Pohjola Insurance comprehensive motor vehicle insurance policies, these are treated as separate covers. If, for example, you want to insure your vehicle with collision insurance and theft insurance, you should select a comprehensive motor vehicle insurance policy that includes Collision Cover and Theft Cover.

Seasonal rating according to the riding season

Seasonal rating is applied to motor liability insurance and Maxi Motor Insurance policies for motorcycles, mopeds, all-terrain vehicles and snowmobiles, as well as to the Maxi Motor Insurance policies for caravans. The premiums are lower during months when a vehicle is unlikely to be used.

When you use your vehicle only during the season typical for such vehicles – for example, you ride your motorcycle only from spring to autumn – this is reflected in the premium. This means that you do not have to decommission the vehicle for the winter, even if you do not use it. However, if you will not be using your motorcycle through all of the summer season, you can of course decommission it and receive a refund for the insurance premium.

Comprehensive motor vehicle insurance and OP bonuses

As an OP cooperative bank owner-customer, you will benefit from a number of benefits and from the OP bonuses that accumulate from your banking and insurance transactions. Comprehensive motor vehicle insurance and motor liability insurance also accumulate valuable OP bonuses. OP bonuses are earned by owner-customers and used to pay insurance premiums as well as banking service charges. In other words, you can use OP bonuses to pay insurance premiums for your vehicle

Owner-customers can also get a discount on the car insurance. When you are an owner-customer of ours and you have policies from three product groups, you can obtain a discount of almost 10% for your vehicle insurance policies.

Validity of comprehensive motor vehicle insurance abroad

Comprehensive motor vehicle insurance is valid throughout Europe and in Green Card countries outside Europe, with a few exceptions. Please note that abroad the deductible of your comprehensive motor vehicle insurance is higher. You find information on country-specific exceptions to the validity of the comprehensive motor vehicle insurance and its various covers as well as on country-specific deductibles in the product guide at the bottom of this page.

The Pohjola Repair Advisor service is included in comprehensive motor vehicle insurance

You can use the free Pohjola Repair Advisor service if you have taken out Pohjola Motor Vehicle Insurance including comprehensive motor vehicle insurance. In the event of motor vehicle damage covered by Pohjola Motor Vehicle Insurance, you can take your car to the nearest Pohjola Repair Advisor shop. The Repair Advisor will repair your car and will make the loss report on your behalf. You will only have to pay for the deductible, if any, and Pohjola Insurance will be directly charged for the remaining amount. 

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Comparing comprehensive motor vehicle insurance policies
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Product guide and terms and conditions

The insurance is issued by Pohjola Insurance Ltd.

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Car insurance for passenger cars
Motorcycle insurance
Motor liability insurance