Metsävakuutus sopii niin talous- kuin tonttimetsälle.

Forest insurance

Ensure your forest’s value and profit

Forest insurance according your needs

You can choose between several options to get exactly the cover for your forest that you need.


We also compensate expectation value losses

If trees are damaged, you will also be compensated for the lost future income.


Owner-customer benefits

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

Forest insurance covers your property

Forests are valuable property and you should be covered against any risks with the appropriate forest insurance. Almost 80% of all forest damage is caused by storms, but insects losses are rising steadily.

Our most comprehensive forest insurance covers losses caused by storm, snow, fire, flood, lightning, insects, theft and vandalism. We also cover losses caused by fungi, deer, rabbits, rodents and birds to sapling stands and seedlings to be planted. You can also choose less comprehensive forest insurance or just forest fire insurance.

Forest insurance covers
  • trees, sapling stands and seedlings to be planted
  • felled logs or pulpwood and timber
  • wood-felling residues intended for use as bioenergy.
Metsävakuutus suojaa arvokasta omaisuuttasi.

The most comprehensive forest insurance gives the best coverage

The most comprehensive forest insurance is the best choice for mature forests, growth forests and sapling-dominated forests. Mature forests are primarily threatened by storms and insects. If you forest is hit by storm, there may still be timber to sell, so we recommend that you choose either 23 or 32 euros per solid cubic metre as the maximum compensation.

Growth forests are particularly susceptible to storm and snow damage. The amount of compensation based on expected value may be high, which is why we recommend that you select 32 euros per solid cubic metre as the maximum compensation.

The greatest threat to sapling-dominated forests is posed by moles. The maximum compensation sufficient for storm damage is 16 euros per solid cubic metre.

Climate changes increase the probability of storms and the number of pest insects. The only way to make sure that a forest will be profitable in the future is to insure it.

Matti Forest owner

Forest insurance covers damage and lost income

Forest insurance will compensate when at least 15 solid cubic metres is destroyed or at least 0.5 hectares of sapling stand. Losses are compensated on the basis of a loss estimate - storm damage up to the maximum amount of compensation you chose.

You will also be compensated for the expected value, for example for the financial losses caused by felling that had to be done too early due to forest damage. We compensate damaged tree stands and sapling stands, and in addition to the expectation value also seeding and planting costs and fire-watch costs.

You can insure an area of up to 5 hectares, either a forested plot or a forest of scenic value, with cover that is higher than normal. This means, for example, that the compensation can be for triple the normal amount, and the storm damage compensation has no upper limit. We compensate losses even if less than 15 solid cubic metres of trees is damaged, or damage extends to less than 0.5 hectares of a sapling stand.

Nainen nauraa terveysvakuutuksen turvin
Health insurance for an adult

Choose a suitable forest insurance coverage or just forest fire insurance.

In case of storm damage, you will have to select the maximum level of compensation, which can be 16, 23 or 32 euros per solid cubic metre. Damage that is not storm-related is compensated in accordance with the loss on the basis of the damage assessment and insurance terms and conditions.

By increasing the deductible you can reduce the premiums without compromising on coverage. You should choose a lower deductible for saplings than for a forest that is approaching or has already reached maturity.

Forest insurance


Forest fire insurance

















Fire, lightning and fire-watch





















Theft and malicious damage







Fungal diseases







Deer *







Hares, other rodents and birds







* The Finnish Government indemnifies for damage caused to private individuals by elk or deer.

xx Only covers damage to saplings and seedlings to be planted

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 200 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.