Vakuutusedut ammattiliiton jäsenille

Insurance discounts to RKL members

Insurance cover for RKL members both during and outside working hours
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Read about the discounts and ask for an offer

Learn more about discounts for RKL members and request an insurance offer.

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Remember to include your membership number

When asking for an offer, be sure to include your RKL membership number in order to apply any discounts.

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Benefits for OP cooperative bank's owner-customers

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

Request an offer

RKL members get up to 20 % off home and family insurance

Membership in Finnish Construction Managers and Engineers RKL includes Professional Liability and Legal Expenses Insurance and Organisational Insurance. You will receive the insurance cover as soon as you join RKL as a member. In addition, as an RKL member, you get discounts on your new home and family insurance policies for up to three years. Your family members may also be covered by the insurance policies. Insurance for home and family includes home insurance, legal expenses insurance, general liability insurance, health insurance, Living Allowance Insurance, Continuous Travel Insurance, Valuables Insurance and small boat insurance.
1st year: -20 %; 2nd year: -15 %; 3rd year: -5 %
Pohjola Claim Help 24/7

Comprehensive motor vehicle insurance for one year –20 %

Comprehensive motor vehicle insurance is an optional car insurance policy. You will be compensated against various panelling and glass losses and can be sure to receive help quickly.

As an RKL member, you get 20 % off on your car’s comprehensive motor vehicle insurance premiums during the first 12 months. This 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 policy for a campervan or caravan. After the discounted year, the insurance policy will continue at normal price.

Free 45 % increase on life insurance

We offer RKL members and their spouses living in the same household an expense-free 45 % 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 will be confirmed annually, and this 45 % increase will be valid in 2023.

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.

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What to do if something happens?

Pohjola Claim Help will instruct you on what to do in case of a loss. Reporting a loss is easiest online, and you will also get the claim settlement decision more quickly.
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Considerable discounts on insurance policies

Are you already familiar with the owner-customer benefits? See the discounts and other benefits.

Miehet vaeltamassa turvallisin mielin, kun terveysvakuutus on kunnossa.
Health insurance for an adult
Insurances included in the membership

Professional group liability and legal expenses insurance

What does the insurance cover?
Professional group liability and legal expenses insurance covers loss or damage related to a RKL member’s activities as an employee or civil servant.
The insurance covers individual members of the Union or its associations when they work as construction managers or in an equivalent position, as self-employed or alone in a private business, however, not if operations are ran on a corporate basis or using other persons.

Members who have joined the organisation during the insurance period will be insured from the beginning of their membership.
The insurance covers physical injury and material damage caused to a third party in the insured operations and within the territorial limits of the insurance, in accordance with the insurance terms and conditions. Legal expenses insurance covers any necessary and reasonable legal expenses incurred as a result of resorting to legal counsel in a disputed civil case, criminal case or non-contentious civil case in accordance with the insurance terms and conditions. Liability and legal expenses insurance is valid in the Nordic countries.

Sum insured and deductible
The sum insured under general liability insurance for bodily injury or material damage is EUR 100,000 per loss. The deductible is EUR 100 for each loss event. The sum insured under legal expenses insurance amounts to EUR 10,000 per loss. The deductible is 15% of expenses, but no less than EUR 150 for each loss event.
Instructions in case of damage or loss

If you sustain a loss or damage that is covered by the liability and legal expenses insurance, you should always first contact the RKL office. Contact information: tel. 010 2010 500, email piia.vilen(at)rkl.fi

Organisational insurance

What does the insurance cover?
The organisational insurance covers members of the organisation, student members and employees 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.

Sum insured and deductible
The traveller's and luggage insurance covers medical expenses of a travel illness or accident without maximum monetary limit. A travel illness is covered for a maximum of 120 days from the start of treatment and a maximum of three years from the accident. The maximum compensation for permanent disability is EUR 10,000 and EUR 2,000 for death benefit. The maximum compensation for luggage is EUR 2,000 and the deductible is EUR 50. Money is indemnified up to EUR 200.

The maximum compensation under the travel liability insurance is EUR 170,000 and the deductible is EUR 50. The maximum compensation for a travel legal expenses loss event is EUR 8,500 and the deductible is 15%, but no less than EUR 168.

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

Insurance for home and family

As a RKL member, you are entitled to discounts on your home and family insurance policies 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.

Services for entrepreneurs

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: yrityspalvelut@op.fi

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.

Help is near in the event of an accident

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 granted by OP Life Assurance Company Ltd. The other insurance policies are granted by Pohjola Insurance Ltd.