If you are our owner-customer, your OP-Visa card will automatically include the new Product Protection Insurance.
Product Protection Insurance Covers card purchases with OP-Visa’s credit and debit facilities
Your purchases are insured regardless of whether you pay for them with the card’s credit or debit facility.
Coverage from blunders for 180 days
Your card purchases are covered for six months from the time of purchase in Finland, abroad and in online stores.
Free-of-charge insurance only for owner-customers
Product Protection Insurance is only included in the OP-Visa cards held by OP cooperative bank’s owner-customers and in joint cards linked to them.
Product Protection Insurance protects your card purchases from blunders
Sometimes all sorts of things happen, the phone slips from your hand or coffee spills on your laptop. Luckily, Product Protection Insurance covers card purchases made with OP-Visa from blunders for six months. You can enjoy this benefit for owner-customers by actively purchasing with your OP-Visa card.
Product Protection Insurance is a free insurance for owner-customers who have an OP-Visa Credit/Debit combination card, OP-Visa Gold, OP-Visa Platinum, or an OP-Mastercard. Joint holders of any of these cards are also entitled to the benefit, if the principal card-holder is an owner-customer. The insurance cannot be bought separately.
Coverage for your purchases, also those made abroad or online
Product Protection Insurance covers your purchases paid with OP-Visa’s credit and debit facilities in Finland, abroad and in online stores. The insurance covers purchases that conform to the terms and conditions for 180 days from the time when the card-holder acquires the item.
Product Protection Insurance may provide cover, for example, if your brand-new spectacles get broken, your new tablet falls to the floor or ground and gets broken or the screen of your mobile phone is damaged. The deductible is EUR 75, and up to EUR 2,000 is compensated for an individual item.
Insurance benefit for owner-customers
By becoming our owner-customer you are entitled, in addition to the Product Protection Insurance, to, for example, daily banking services at a lower cost and you earn value-for-money OP bonuses which offset banking service charges and insurance premiums. You can also buy, sell and switch many of our funds with no charges.
Product Protection Insurance is issued by Pohjola Insurance Ltd.