Venevakuutus tuo moottoripurjehtijallesi turvaa.

Boat insurance for motorsailers

Best cover for motorsailer and its accessories

Boat insurance throughout the year

Boat insurance protects your motorsailer not only afloat but also during transportation and storage.


Storm damage without wind velocity limit

We compensate for storm damage to the insured boat regardless of wind velocity.


Owner-customer benefits

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

Enjoy boating

If you ask a boat owner, the best thing about spring and summer is that you can get out on your boat. Your boat insurance is valid throughout the year, so you can enjoy your boating whenever the weather conditions allow.

A motorsailer is a motor boat particularly suited to cruising, with sailing boat rigging and sails. You can take out boat insurance for a motorsailer that is registered in Finland and has an motor that is bigger than 20 horsepower.

Boat insurance for your motorsailer covers, for example, the

  • hull, rigging and sails
  • dinghy (up to 3.5 m)
  • laying-up blocks and covers
  • motor, navigation equipment and other machines related to boat use.
Venevakuutus moottoriveneelle korvaa vesillä, kuljetuksessa ja säilytyksessä aiheutuneita vahinkoja.

What does boat insurance cover?

You can avoid many risks by anticipating them and by being careful, but despite all precautions, accidents do happen both aboard and ashore. The boat’s comprehensive motor vehicle insurance covers if, for example, your motorsailer is stolen or damaged when running aground, in a fire or during transportation.

Medium Motor Insurance for a boat excludes boat losses, such as collisions or running aground, from compensation, but does compensate theft and fire losses, however. Our boat insurance policies always include liability and legal expenses insurance.

The commonest loss is running aground, but losses can occur also when the boat is not being used.

Hannu Partanen Insurance Manager, Pohjola Insurance

Trossi service ensures free assistance for your boat

No matter how careful you are, accidents can happen aboard. Saving a boat that is out of order usually costs if lives are not in danger. The cost price is charged for towing a boat that is not in an emergency; this can run for up to hundreds of euros, depending on the size of the rescue boat and the duration of the operation.

If you subscribe to the Trossi service of the Finnish Lifeboat Institution, your boat will be saved free of charge. If your journey is interrupted, you will be towed to the nearest port and assisted in finding a repairer. By subscribing to the Trossi service you also support voluntary rescue services at sea and on lakes.

Nainen nauraa terveysvakuutuksen turvin
Health insurance for an adult
Perävaunuvakuutus vakuuttaa perävaunun ja venetrailerin.
Trailer insurance

Our boat insurance is valid automatically without any extension

  • in the territorial waters and inland waterways of Finland, Sweden and Denmark and the territorial waters of Norway on the coastal areas of the country
  • in the Baltic Sea and its bays, on Saimaa and Kiel Canals and Kattegat and Skagerrak
  • when storing and transporting the boat/yacht in these countries.

Boat insurance and the territorial scope of the boat’s general liability insurance can be extended against an extra premium to other parts of Europe and also outside Europe.

Benefits from Pohjola Insurance

You receive the following insurance benefits for prime customers when you have policies from at least three different product categories:

  • 7% off home and other property insurance, personal insurance, continuous travel insurance and comprehensive motor vehicle insurance policies
  • as our prime customer aged 18–27, a discount of 21% on nearly all insurance for home and family policies.
  • free 40% increase in the sum insured under life insurance.

If you are also an OP cooperative bank owner-customer, you are entitled to an extra discount of 3% on most insurance products. The extra 3% discount for owner-customers cannot be combined with the 21% discount for young insurance customers.

Regardless of your number of policies or type of customer relationship, we always offer the following benefits:

  • a 2.5% discount when paying your insurance bill in one instalment.
  • a permanent 5% discount on life insurance purchased online.
  • free life insurance for one year for parents of children under 12 month

Benefits for OP cooperative bank owner-customer

As an owner-customer, you get the following benefits regardless of your number of policies:

  • OP bonuses you accrue will be used to pay insurance premiums*
  • free 40% increase in the sum insured under life insurance.
  • deductible benefit of 250 euros for MyHome Insurance.
  • free Product Protection Insurance for purchases made using OP credit cards

*As our owner-customer, you earn OP bonuses, which are used to pay insurance premiums and banking service charges. OP bonuses are earned from insurance policies, loans, savings and investments, funds in your accounts, and purchases paid with OP-Visa using the credit function.

The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.