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Insurance for stored property

Cover during long-term storage

Insure your property during long-term storage

You need a separate insurance for stored property when storing moveable property outside your home for long periods of time, such as in a rented unit at a storage hotel.

Specify a maximum compensation

You can choose a desired maximum compensation, scope of cover and deductible for your moveable property. However, each individual stored object may only be insured for up to 5,000 euros.

Check the contents of your home insurance policy

If you are storing your belongings only for a short period of time or using your apartment building’s basement or attic storage unit, you do not necessarily need a separate insurance for the belongings. In these cases, Pohjola Home Insurance provides adequate cover.

Call us and we’ll go over together whether you need insurance

To purchase insurance for stored property, call us at 0303 0303. You can also call us to check whether you need additional insurance.

Cover for long-term storage

You need a separate insurance for stored property when storing your belongings outside your home for long periods of time, such as in a rented unit at a storage hotel. The insurance covers your belongings against theft, water damage and breakage, among other losses. 

You can choose the desired maximum compensation, scope of cover and deductible for the insurance for stored property. However, please note that each individual stored object may only be insured for up to a maximum of 5,000 euros

 

If your property is in long-term storage at a storage hotel, we recommend that you check whether your storage agreement includes insurance against losses.

Short-term storage is covered under home insurance

If your home is insured with Pohjola Home Insurance, losses to property in temporary storage at a storage hotel may be covered to up to a maximum of 5,000 euros. Coverable losses depend on the scope of cover and deductible you have selected for your home insurance. In addition to fire, you may be compensated for losses due to theft or sudden breakage.

Storage units at your apartment building are covered by home insurance

Property stored in your apartment building’s storage unit is covered under home insurance for a flat. These storage units include your rented or owner-occupied flat’s attic and basement storage units and storage spaces, as well as sports gear and equipment storage spaces in shared use.

Please note that in the event of loss or damage to belongings stored in these spaces, up to 10% of the maximum compensation for moveable property pay be compensated.

 

Moveable property in a detached home or holiday home 

Insurance for home or holiday-home contents is valid in the detached home or holiday home specified in the insurance policy. In addition, the insurance is valid in buildings of a maximum of 12m², excluding sauna buildings, associated with the insured detached home or holiday home and located on the grounds.

Nainen ottaa kuvaa arvotavaravakuutetulla kameralla
Valuables Insurance
Nainen ja mies laskettelevat matkavakuutuksen turvin
TOPICAL
Travel insurance
Lapset ja kotivakuutuksella turvattu kerrostaloasunto
Flat

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.