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Benefits by Pohjola Insurance

As our prime customer, you are entitled to substantial discounts on insurance.

Prime customer benefits and discounts

As our prime customer, you enjoy comprehensive cover and lower insurance premiums.

Improved benefits for ages 18 to 27

We offer our young prime customers a discount of up to 21% on nearly all home and family insurance.

See which benefits you are entitled to

Select the insurance policies you and members of your household currently hold to see what benefits you are entitled to.

See which benefits you are entitled to

Select the insurance policies you and members of your household currently hold to see what benefits you are entitled to.

Benefits and discounts depending on your customer relationship

By concentrating your insurance at Pohjola Insurance and becoming our prime customer, you get substantial benefits and discounts on your insurance. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts.
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What is the difference between a Pohjola Insurance prime customer and OP cooperative bank owner-customer?

To become a prime customer, you need to have insurance policies from three different categories. You are entitled to prime customer discounts even if you are not an OP banking customer.

As an OP cooperative bank owner-customer, you own a part of your local bank. You’ll receive benefits and discounts on both banking and insurance transactions, earn OP bonuses and enjoy benefits offered by our partners.

You get the best benefits when you are both an insurance prime customer and an OP cooperative bank owner-customer.

Become our prime customer

To become a prime customer, you simply need to insurance yourself, your loved ones or your property with policies from at least three different insurance categories.

There are five insurance categories in total:

How to check your customer status

Are you already a prime customer? If you are, the loyalty discount for prime customers is shown on your insurance bill or policy document. You can find them at op.fi in your My archive.

You can also check your customer relationship status easily with the prime customer checker at the top of this page. Simply select which policies you currently have at Pohjola Insurance to see whether you are entitled to benefits. Be sure to also list your spouse’s policies, for example, as prime customer status takes into account all policies in the same household. For example, if you and your spouse have policies from a combined total of three different categories and have reported to us that you live in the same household, you will both become prime customers.

Get your insurance needs in order - enjoy benefits and comprehensive cover

The simplest way to update your insurance cover is by a single request for quote for all your insurance needs that you have not yet purchased from Pohjola Insurance. Sending the request for quote is free of charge and does not obligate you to purchase any of the policies offered. Keep in mind that in order to enjoy prime customer benefits and discounts, you need insurance from three different categories.

NewLife is a life insurance of 20,000 euros for parents of children under 12 months in the event of the parent’s death. This gives the surviving parent a better chance to carry on or to provide for the child’s education, for example.

We offer NewLife insurance to both parents separately for the next 12 months of the child’s life for free. After this, the insurance will continue automatically subject to a premium.

You can take out the policy soon after the baby is born until the child turns 1 year. The policy does not require completing a health declaration form. The insurance is issued by OP Life Assurance Company Ltd.

As an owner-customer, you get a free 40% increase in the sum insured under life insurance. The rate of the increase will be confirmed every year and is valid for one year at a time.

Life insurance will help your loved ones financially if you die due to illness or injury. When determining compensation, we will pay your beneficiaries compensation with a 40% increase. For example, if the benefit to be paid under life insurance is 20,000 euros, we will pay your beneficiaries 28,000 euros. You can take out life insurance either as single or joint cover with your loved one. The insurance is issued by OP Life Assurance Company Ltd.

If you are aged between 18 to 27, you also receive a 21% discount on nearly all home and family insurance policies when taking out insurance from three individual kategories. The offer applies to the following policies:
  • valuables insurance
  • home insurance
  • animal insurance
  • boat insurance
  • personal insurance
  • continuous traveller’s and luggage insurance
Please note that the discount does not apply to life assurance and disability insurance, vehicle insurance, and medical expenses insurance and Easy insurance packages no longer sold.
As an owner-customer, you earn OP bonuses from using our services. The bonuses are used to pay bank service fees and insurance bills, for example. Use the handy bonus calculator to see an estimate of the OP bonuses you earn.

As an OP cooperative bank owner-customer, you get a deductible benefit of up to 250 euros on MyHome Insurance.

Your deductible is waived or reduced when your property suffers damage covered under MyHome Insurance due to fire, natural phenomena or theft and the compensation paid exceeds the deductible you have selected.

For example, if a bicycle worth 600 euros is stolen and your deductible is 250 euros, you pay no deductible thanks to the deductible benefit. In the same situation, if your deductible is 500 euros, you pay just 250 euros (500 – 250) thanks to the deductible benefit.

Product Protection Insurance gives six-month protection for credit and debit purchases made with a credit card. Free Product Protection Insurance is included in all owner-customer OP-Visa, OP-Visa Gold, OP-Visa Platinum and OP-Mastercard cards. The insurance is also valid for joint cards when the principal cardholder is an owner-customer.

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

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