Insurance - Directory

Car insurance for passenger cars

Car insurance with a quick bonus. Select a suitable indemnification, calculate the price, and find the best auto insurance for your vehicle in Finland.

Motorcycle insurance

Motorcycle insurance provides cover for motorcycles and motorists. Tailor the scope of insurance to your needs and insure your bike in just a few minutes.

Moped insurance

Insurance for moped or scooter, including the driver. For maximum cover, choose motor liability insurance and comprehensive motor vehicle insurance.

Snowmobile insurance

A snowmobile insurance is valid throughout the year, so you can start the engine whenever you like. The premiums follow the seasons. Read more and buy!

Quand bike insurance

A motor liability insurance is mandatory for quad bikes, wherever you may ride. Extend the cover with casco and request an offer!

Insurance for a van

Van insurance consists of compulsory motor liability insurance and voluntary casco insurance. Choose the cover and calculate the price in less than a minute.

Trailer insurance

A trailer always requires a separate motor liability insurance. Pohjola Insurance offers a comprehensive motor vehicle insurance with the lowest deductible on the market. Check the price and buy!

Tractor insurance

Tractor insurance covers both the driver and the tractor. Request an offer and buy motor liability and casco insurance for a tractor not in production use.

Museum vehicle insurance

Cover your valuable museum car or other vehicle with motor liability and museum vehicle insurance. Contact us and get your museum vehicle properly insured!

Caravan insurance

Caravan insurance provides cover during travel and storage. Caravan insurance also covers fixed accessories. Learn more and request an offer.

Campervan insurance

Campervan insurance providers cover on the road. Supplement motor liability insurance with casco insurance which also covers the campervan’s fixed accessories.

Lorry insurance

Insurance for a lorry or light lorry in private use. For a lorry weighing no more than 6 tonnes, buy insurance online. For heavier lorries, call us.

Hobby vehicle insurance

Hobby vehicle insurance provides cover for hobby cars, motorcycles and other hobby vehicles that are at least 20 years old. Read more and contact us!

Insurance for other motor vehicles

Motor liability insurance is mandatory also for unregistered vehicles, such as motocross, trial and enduro motorcycles. Request an offer, easily!

Moped car insurance

Moped car insurance covers the driver and the vehicle. You can supplement your policy with comprehensive motor vehicle insurance. Calculate and buy!

Motor liability insurance

Initial motor liability insurance bonus up to 40% and maximum bonus 80%. See the bonuses you have earned, calculate the price of the motor liability insurance and buy motor liability insurance.

Comprehensive motor vehicle insurance

Comprehensive motor vehicle insurance covers damages to your own vehicle. Read more on comprehensive motor vehicle insurance, compare, choose a suitable option, and calculate the price easily online.

Seasonally rated insurance and insurance for the period the vehicle is decommissioned

A seasonally rated motor vehicle insurance and insurance for a decommissioned motor vehicle - laid-up insurance - that enters into force when a vehicle is decommissioned, guarantee that you don’t pay for the periods during which you don’t drive.

Green Card

The Green Card is an international certificate that shows your motor liability insurance is valid. Print out a Green Card before taking your vehicle outside Finland.

Car registration

Car and motorcycle registration can be done online when you take out insurance. See instructions for electronic registration of vehicle here.

checklist for car buyers

Are you thinking about buying a new or a used car? We have put together a checklist of things to bear in mind when buying a car. We hope you find it useful!

Selling your car

Planning to sell your car? Take a look what selling your car involves and how to get the best possible deal.

Changing your car

Changing your car? Check out our tips for buying or selling a car and for online registration of vehicles.

Electric car insurance

Buy electric car insurance from Finland’s leading EV insurer. Extensive coverage and repair shop partners for electric cars. Check the price and buy online!

Insurance for a utility ATV

The utility ATV (i.e., UTV) insurance provides comprehensive cover. Request an offer for motor liability insurance and comprehensive motor vehicle insurance!

Pohjola Repair Advisor

Pohjola Repair Advisor will assist you in the event of motor vehicle damage. OP’s Repair Advisor takes care of your vehicle’s repair at a repair shop and submits the loss report on your behalf. Read more!

Pohjola vehicle emergency service

Pohjola vehicle emergency service will help you if your car runs off the road, gets a punctured tyre, doesn't start or has another fault that prevents driving.

Electric vehicles

Separate motor liability insurance for a light electric vehicle. Learn more and request an offer.

Adult’s health insurance

Pohjola Health Insurance ensures fast access to medical care in the private and public sectors in Finland. Choose the coverage you want and buy online!

Professional liability insurance

Professional liability insurance provides cover if you become liable for damage caused while working. Read more and protect your work.

Life insurance

Buy a suitable life insurance policy easily online. You get a 50% increase in the amount of benefit for free as an OP cooperative bank owner-customer.

Household employer

An employee’s employment pension and workers' compensation insurance are required if the wages or salary you pay during one calendar year exceed 1,300 euros. Request a quote on employee insurance products online.

Child insurance

Child insurance covers medication and treatment of accidents and illness, also in the private sector. Select and tailor child insurance to suit your needs!

Payment Protection Insurance

Payment protection insurance supports the repayment of your loan. It helps if your income falls due to an illness, accidental injury or unemployment.

Travel insurance

Private travel insurance covers international trips. Continuous travel insurance also covers trips within Finland. Learn more and request an offer.

Insurance for an unborn child

Baby insurance taken out before birth will provide cover from the womb until old age. The insurance will guarantee quick and the best possible treatment.

Living Allowance Insurance

Insurance in the case of accidental disability, temporary incapacity for work or financial hardship caused by death. Read more and buy!

Disability Insurance

Disability insurance provides cover for permanent disability caused by illness or injury. Read more and insure your personal finances against disability.

OP Critical Illness and Life Cover

OP Critical Illness and Life Cover provides you with three kinds of cover in one package: critical illness, accidental permanent disability and life insurance. Read more!

Sports Insurance

You can take out either athlete’s additional covers or competitive athlete’s insurance. Select and buy sports insurance that is perfect for your type of sport.

Sports Cover

Sports Cover is a fixed-term insurance for club sports, and it’s easy to buy at the same time you buy your licence. Read more and cover your sport online.

Accident insurance

Learn more about accident insurance included in Pohjola Insurance’s Health Insurance and about life insurance in different life situations and buy accident insurance online!

Health insurance

Include medical expenses insurance in your Pohjola Insurance health package to prepare against unexpected costs arising from an illness. Read more and buy insurance online.

Insurance for voluntary workers

Insurance for voluntary workers covers the participants both during work and on journeys directly to and from the place of work. Insurance for voluntary workers can be tailored in terms of coverage and sums insured – learn more!

What will health insurance cover

At best, health insurance covers the costs of illnesses and injuries. Read examples of situations covered by health insurance and insure your health.

Medical expenses insurance

Medical expenses insurance covers treatment expenses caused by accident or illness. Calculate the price of medical expenses insurance easily at our online store.

Deductible change

The deductible you choose for the policy will affect the price of the insurance. Choosing a higher deductible may reduce the insurance premium.

Sports that require additional cover

Learn about sports for which you need an extension to your travel or health insurance.

Home insurance for a flat

Home Insurance for a flat covers your movables and the parts of the flat against unexpected losses. Calculate the price of Home Insurance for a flat and buy easily online.

Home insurance for terraced house

Rivitalon kotivakuutus on turva rivitalolle ja kodin irtaimistolle. Räätälöi rivitalon vakuutus haluamillasi turvilla ja vakuuta rivitalo helposti verkossa.

Home insurance for a detached house

Insurance for a detached house can be tailored to your needs. Select the coverage and calculate the premiums for alternative home insurance policies with ease.

Insurance for semi-detached

Insurance for a semi-detached covers your property, fittings and if necessary, the building. Calculate the premium and buy easily online.

Home Insurance for separate houses

Insurance for a separate house - protection for movables, surfaces, furnishings and fittings. Read about insurance for separate houses and get protection for your detached housing company unit online.

Holiday home insurance

Holiday home insurance covers losses caused by, for example, burglary or storms. Calculate the premium for holiday home insurance and buy easily now online.

Insurance for stored property

Insurance for stored property covers your belongings during long-term storage. Contact us and insure your moveable property with a suitable maximum compensation.

Lessor’s insurance

Purchase lessor's insurance for your buy-to-let home and ensure that insurance for the buy-to-let home is always valid. Calculate the premium and buy online.

Valuables insurance

Purchase separate valuables Insurance for a valuable instrument, jewellery, a watch or a camera that you take outside your home.

Extended home insurance

Select Extended Home Insurance to get the best cover for your home. Read more, calculate the price, and purchase Extended Home Insurance connected with Pohjola Insurance easily online.

Moving home and home insurance

Have a look at the instructions on updating your home insurance to a new address, and ensure top-notch cover during the move as well as while you are buying and selling your home.

What does Home Insurance cover?

Pohjola Home Insurance covers losses and damage to your home and its contents. Read the cases, and have a look at what kinds of losses and damage in your home your home insurance policy covers.

Home contents insurance

Pohjola Home Insurance covers your home contents – the items in your home. Find out more about home contents insurance, calculate a price, and cover the items in your home online.

Tenant’s home insurance

Comparing tenant’s insurances available in Finland? Pohjola renter’s insurance covers the apartment and its belongings. Check the price and buy online.

Shopping around for home insurance

Shopping around for home insurance is done easily online. Compare policies and find the right option for your home in just minutes!

Loss partner Gigantti

Gigantti is a loss partner for home accidents. You can use Gigantti’s services in the event of home appliance, consumer electronics, and computer breakage losses.

Legal expenses insurance

Legal expenses insurance is automatically included in Pohjola Home Insurance. Learn more and protect your home.

Home insurance's liability insurance

Liability insurance is automatically included in Pohjola Home Insurance. Learn more and protect your home.

Horse insurance

Horse Insurance helps you with your horse’s or pony’s veterinary expenses and covers the loss of the horse as well. Request an offer for a Horse Insurance policy.

Cat insurance

Cat Insurance is suitable for both pedigree and native cat breeds and covers treatment expenses with no upper age limit. Learn more about Cat Insurance and request an offer.

Dog insurance

Pohjola Dog Insurance covers your dog’s veterinary expenses with no upper age limit. Learn more about Dog Insurance and request an offer online.

What is covered by Pet insurance

Pet insurance covers veterinary expenses, liability and loss damage caused by your pet and loss of a pet. See some examples of claim situations and cover your pet.

Checklist for getting a pet

A pet is an important member of the family that has to be well taken care of. We put together an article that you should go through if you are planning to get a pet.

Travelling abroad with a pet

Travelling with pets is becoming more and more common. Take action well in advance when you are planning to travel abroad with your pet.

FirstVet remote veterinary service

Pohjola Insurance provides you with an unlimited number of FirstVet remote consultations free of charge for each pet with medical treatment expenses insurance. The benefit is valid until further notice. Read more about the benefit!

Boat insurance for motorsailers

Boat insurance is the best cover for your motorsailer and accessories afloat and during transport and storage. Learn more about the insurance and request an offer.

Boat insurance for motor boat

Boat insurance is the best cover for your motor boat and accessories afloat and during transport and storage. Learn more about the insurance and request an offer.

Boat insurance for a sailing boat

Boat insurance for a sailing boat provides comprehensive cover. Learn more about the insurance and request an offer.

Boat insurance for other watercraft

Pohjola Insurance provides insurance for water scooters, hydrocopters, multihull boats and other special boats. Contact us to insure your boat.

Forest Insurance

Forest insurance gives the best cover for a forested plot or commercial forest against storms, insects and snow losses. Calculate the premium and buy online!

Insuring an electric or non-electric bicycle

More efficient types of electric bicycles must be registered and authorised. Read also: How to insure your bicycle as part of Pohjola Home Insurance.

Request an insurance quote

Easily request an insurance quote online. The request for an insurance quote is easy to fill in and it does not obligate you in any way. Learn more and submit!

Health declaration

A health declaration is easy to fill in online, and it is used to determine whether the policy can be granted.

Pohjola Health Advisor

Call Pohjola Health Master if you are concerned about your own or your child’s state of health. You will get expert health advice by phone.

Electronic services

The insurance online service enables you to take care of your insurance and claims issues whenever it suits you best. You can easily file a loss report online, too.

Death estate’s insurance policies

Taking care of the death estate’s insurance matters may seems hard when still grieving your loss. We have compiled an information package for you to help you take care of the death estate’s insurance matters.

Insurance invoicing

Insurance invoicing is easiest with an e-invoice. See instructions for changing the invoice’s number of instalments and for other answers to frequently asked questions about insurance invoices.

Managing insurance matters by power of attorney

Managing the insurance and claims matters of another person is possible only when you are authorised by power of attorney. Learn more about authorisation by power of attorney.

Certificate of insurance

Order certificates of insurance is easy in the op.fi service. See instructions on how to order certificates of insurance online.

Insurance Eservices

Manage your insurance matters easily in the op.fi service. In order to manage your insurance matters more easily, see the answers to our most frequently asked questions about OP eServices.

Filling in a loss report online

As a Pohjola Insurance customer, you can file a loss report at op.fi or on OP-mobile. See instructions on filing a loss report and providing supplementary information.

Shopping around for insurance

Shopping around for insurance is easiest to do online. Tell us your insurance needs and we will come up with an offer and contact you – start shopping around for insurance today!

Terminating an insurance policy and other changes to insurance policies

Terminating an insurance policy issued by Pohjola Insurance must be done in writing. Most changes to your insurance policies can be done easily by calling our customer service. Read more!

Payment default

How does a payment default affect your insurance and banking services?

Coronavirus test and insurance

Korvaako vakuutus koronatestin kulut? Kokosimme tiedot koronatestin kulujen korvaavuudesta Pohjola Vakuutuksen vakuutuksista.

Are you dissatisfied with our decision?

Don't hesitate to contact us if something in your insurance contract is unclear or you are not satisfied with a claim settlement decision. We will revise the decision if a mistake has been made.

Pohjola Insurance's advisory medical officers

OP's advisory medical officers

Persons in charge of insurance business

On this page, you can find contact information for the insurance management. The page also provides instructions for what to do if you are dissatisfied with our claim settlement decision or if you are unclear about something in you insurance contract.

Koronavirus ja vakuutukset

On this page, we have collected important information and instructions for our insurance customers during the coronavirus pandemic.

Opiskelijan vakuutukset

Get your home insurance and other insurance policies for students easily from the same place. A discount of up to 21% for young prime customers.

Insurance tips for retirement

Retirement and quitting your job are big life changes that may also change your insurance needs. We will tell you which insurance policies you need in this great chapter of your life.