Tietoa kaskovakuutuksesta

Collision Cover – insurance for a collision

Collision Cover protects you, for example, if your vehicle is damaged by a collision, swerving off the road, a road collapse, or a storm. Read more about Collision Cover and protect your vehicle for damage.

What is collision insurance or Collision Cover?

Collision Cover is part of the voluntary comprehensive motor vehicle insurance for your vehicle. Collision Cover is included in the Standard Motor Insurance and Super Motor Insurance for passenger cars, vans and lorries, as well as the Maxi Motor Insurance for other vehicles. The most limited comprehensive motor vehicle insurance, Medium Motor Insurance, does not include Collision Cover.

Collision Cover covers damage to your vehicle, if the damage is the result of, e.g. a collision, swerving off the road, or a storm. When covered by Collision Cover, your deductible is at least EUR 200 according to your choice. If the damage is not caused by storm or hail, it will also affect your comprehensive motor vehicle insurance bonus. 

Please keep in mind that damage to your vehicle resulting from a collision may also be covered by the other party’s motor liability insurance, if the other party is guilty to the resulting damage. If the damage is covered by the other party’s motor liability insurance, it will not have an effect on your bonus and you will not have to pay a deductible.

 

How can I include Collision Cover in my insurance?

If you do not yet have motor insurance with Pohjola Insurance, you can calculate the price of the insurance and Collision Cover from the link below.

If you already have motor insurance with Pohjola Insurance but your policy’s comprehensive motor vehicle insurance does not include Collision Cover, or you are unsure whether the cover is included, you can check and expand your insurance coverage by logging into the op.fi service. Open your vehicle’s insurance policy to check the types of cover included, and change your insurance coverage if necessary. 

How much does Collision Cover cost?

To find out how much Collision Cover costs, follow one of the links below to calculate the price of insuring passenger cars, motorcycles, or campervans. Enter some basic details about the vehicle and the policyholder, and we will calculate the price of the vehicle insurance. You can set the deductible of your insurance online at EUR 200 or EUR 500. Selecting a higher deductible reduces the price of the insurance. 

Please note that the cover is only included in the Super Motor Insurance and Standard Motor Insurance for passenger cars, vans and lorries, as well as the Maxi Motor Insurance for other vehicles. 

Collision Cover and bonus

The Collision Cover bonus is a reward system, which rewards safe driving with a high bonus that provides a discount on your vehicle’s Collision Cover premium. The maximum bonus of the comprehensive motor vehicle insurance is 70% and, as a new driver, you will get the maximum bonus of 70% for your vehicle’s Collision Cover straight away. 

Collision Cover bonus in case of loss or damage

If you have an accident that is covered by Collision Cover and you have a full bonus of 70%, your collision cover bonus will decrease by 10 percentage points for the next insurance period. If your collision cover bonus is lower than the full 70%, the bonus decreases by 20 percentage points for each insurance event indemnified from Collision Cover. Collision cover bonus is not decreased if the damage coverable by Collision Cover is caused by storm or hail. 

Increasing the Collision Cover bonus

If you make it through the insurance period without loss or damage coverable by Collision Cover, your Collision Cover bonus will increase by 10% during the next insurance period, up to but not more than 70%.