Vakuutusedut ammattiliiton jäsenille

Reservists’ organisation member benefits

Cover for members of the Finnish Reservists’ Association and Reserve Officers’ Federation

Learn about discounts and request a quote

Learn more about our insurance offers for reservists’ organisation members and request a quote for insurance products.


Include your association name and membership number

In the field for additional information in the request for quote, state that you are a member of the Finnish Reservists’ Association or Reserve Officers’ Federation and we will apply the discounts to which you are entitled.


Owner-customer benefits

As an OP cooperative bank owner-customer, you get a discount on your policies and also receive OP bonuses.

Members get up to 20% off home and family insurance

As a member of a reservists’ organisation, you get discounts on new insurance policies for home and family for up to three years. Your family members may also be covered by the insurance policies. Insurance for home and family includes home insurance, health insurance continuous travel insurance, valuables insurance, small boat insurance, living allowance insurance, legal expenses insurance and general liability insurance policies.
1st year: -20%; 2nd year -15%; 3rd year -5%

Comprehensive motor vehicle insurance for one year: -20%

Comprehensive motor vehicle insurance is an optional car insurance policy. You will be compensated against various auto body, windscreen and window damage, and can be sure to receive help quickly.

As a member of a reservists’ organisation, you get 20% off your car’s comprehensive motor vehicle insurance premiums for the first 12 months. The discount applies to a new Super Motor Insurance and Standard Motor Insurance for a car or van in private use and a new Maxi Motor Insurance for a campervan or caravan. After the discounted year, the insurance continues at the standard price.

Free 20% increase on life insurance

We offer members of reservists’ organisations and their spouses living in the same household a free 20% increase in the total amount of life insurance. This benefit applies to new insurances and the amount of life insurance benefit must be between EUR 10,000 and 50,000. The amount of the expense-free increase is confirmed annually. The current increase of 20% increase is valid for 2020.

Services and benefits for entrepreneurs

We provide services that make entrepreneurs’ hectic everyday life easier and support the company's business. These include OP Business mobile, a service that goes wherever you go, as well as services related to business risk management. More detailed information on our services for entrepreneurs can be found at the bottom of the page.

Entrepreneurs get the same benefits for home and family insurance, life insurance and motor vehicle insurance. Entrepreneurs can also take advantage of the unique benefits offered to our owner-customers.

What does the organisational insurance cover?

Organisational insurance covers members and employees of the organisation in organisational duties and at organisational events. Organisational duties include meetings of the union and associations, training events, summer events and trips. Members are covered by traveller’s and luggage insurance and secondary comprehensive motor vehicle insurance.

Instructions in case of loss or damage

In the event of loss or damage, you should always contact the event organiser.

As a member of the Finnish Reservists’ Association or Reserve Officers’ Federation, you are entitled to discounts on your insurance for home and family as follows:

1st year:-20%
2nd year: -15%
3rd year: -5%

Home insurance

Our home insurance conveniently provides coverage for your home and home contents on a single policy. Home insurance protects your home and holiday home, as well as their contents, from burglary, fire and sudden damage due to leakage, for example. The insurance also provides the home insurance required for rented homes.

Health insurance

With our health insurance, you can get the best possible treatment whenever you need it. Health insurance can be tailored to your individual needs, allowing you to choose its extent and different types of coverage for illness and accidents. The insurance will ensure your speedy recovery, and even prevent a deterioration of your condition. In addition, the health insurance will allow you to benefit from various therapies ordered by your doctor.

Travel insurance

Our travel insurance consists of traveller's insurance and luggage insurance. Traveller’s insurance provides cover for accidents that occur and illnesses you contract during travel. Luggage Insurance covers your luggage anywhere in the world. Moreover, travel insurance covers travel cancellations and interruptions as well as missed and delayed departures.

Valuables insurance

Our valuables insurance covers items you carry outside your home. Such valuables include, for example, expensive musical instruments, cameras, lenses, watches and jewellery. Valuables insurance is valid throughout the world, covering your valuable property wherever you go.

Small boat insurance

Boat insurance provides comprehensive cover for your small boat for accidents or damage occurring afloat or in the harbour. The insurance covers your boat for damage caused by collision, storm or vandalism, as well as for damage during transportation or when docking. In addition, boat insurance always includes a liability and legal expenses insurance, in which those insured include the boat owner, holder and driver.

Living allowance insurance

Living allowance insurance provides financial coverage for you and those close to you if you are injured or die accidentally. The policy is also valid when you travel or do sports.

Legal expenses insurance and general liability insurance

You may inadvertently cause another person a loss for which you are liable. Through no fault of your own, you may also find yourself in a situation where you need legal aid defend your rights. The insurance also applies to your family members living in the same household.

Life insurance will help your loved ones financially if you die due to illness or injury. Lump-sum compensation payable under the life insurance helps you ensure that your death does not leave your loved ones in a financially difficult position. It makes coping with everyday in a difficult situation just a little easier.

We provide services that make entrepreneurs’ everyday life easier and support the company's business. We recommend the following services for entrepreneurs:

Risk management services

Business operations always involve risks. The better you are aware of your company's potential business risks, the better you can manage them and protect yourself against risks in advance through appropriate measures.

When we identify your company’s risks, we can help you to minimise the detrimental effects of risks and make use of the possibilities to take worthy risks.

OP Business mobile

Manage your company’s insurances and banking conveniently online. If you download OP Business mobile, you can also manage your transactions on a mobile device regardless of time or place. OP Business mobile includes the basic banking services for your company. You can also use a mobile invoicing service that supports your customer and product management. You can monitor your company's invoicing details and deliver invoices to your customers the way you want.

Service numbers for entrepreneurs

As an entrepreneur, you will get assistance in all your insurance matters on 0303 0303 (option 3, weekdays from 8 am to 10 pm). The same number provides support for matters related to Ilmarinen’s employee pensions. In insurance matters, you can also be in contact by email:

If you have any questions related to your banking transactions, savings or investments, you can contact your local OP cooperative bank or call corporate services on 0100 05151 (weekdays from 8 am to 6 pm).

Pohjola Claim Help and Pohjola Hospital

Help is near in the event of an accident. You can find comprehensive instructions for loss events from the Pohjola Claim Help service. By entering the loss or injury you have suffered, you will receive instructions on how to get help as quickly as possible. If you are injured or fall ill, you can use the services of Pohjola Hospital to receive prompt and professional assistance. Pohjola Hospital provides devoted care and ensures that you can return to your everyday life as soon as possible.

In the event of an accident or injury, it is important that you get help as quickly as possible. This ensures that you can return to your everyday life as quickly as possible.

Pohjola Claim Help provides simple instructions in the event of loss, injury or damage and in finding our nearest partner, whether you have fallen ill, have broken your mobile phone or have been involved in a car accident. As an OP customer, you can also file a loss report via the OP mobile application as soon as the accident or injury has occurred. The quick instructions provided by Pohjola Claim and being able to file an immediate loss report make it easier to cope with unpleasant and unexpected accidents and losses.

Life insurance is issued by OP Life Assurance Company Ltd. Other policies are issued by Pohjola Insurance Ltd.