Vehicle insurance

Motor vehicle insurance covers both the driver and the vehicle. Every motor vehicle used in traffic must be insured with statutory motor liability insurance that covers any personal injuries and vehicle damage of any innocent party. You should also take out comprehensive motor vehicle insurance which covers, among other things, dents when parking, engine problems, and chipped windscreens caused by a small stone. You can tailor the coverage to meet your vehicle’s needs. Learn more about our insurance policies, calculate the price and buy easily below.

Autovakuutus henkilöautolle
Car insurance for passenger cars
Motorcycle insurance


Other motor vehicle insurance policies


Van insurance
Moped insurance
Asuntovaunun vakuutus tuo mielenrauhaa matkailuun
Campervan insurance
Lorry insurance
Electric car insurance
Moottorikelkkailija talvisessa metsässä ja moottorikelkan vakuutus kunnossa.
Snowmobile insurance
Moped car insurance
Caravan insurance
Museum vehicle insurance
Insurance for an unregistered vehicle
Trailer insurance
Insurance for a utility ATV
Tractor insurance
Quad bike insurance
Hobby vehicle insurance


How much does motor vehicle insurance cost?

The price of motor vehicle insurance depends, among other things, on the make and age of your vehicle, the coverage you have chosen and your bonus accumulated on the basis of your driving record. The easiest way to determine the price of the motor vehicle insurance is to select the motor vehicle insurance you want and give us the basic details of your vehicle and the coverage you want. This information will enable us to calculate a preliminary price for your policy. After this, you can still tailor the coverage and deductibles to modify the policy before buying it online. Use the buttons above to select your vehicle and calculate the price of your motor vehicle insurance.

To learn how the calculator works and which factors affect its rates, as well as our tips for other issues to consider when selecting insurance, visit the page below.

What is the motor vehicle insurance bonus?

Motor vehicle insurance bonus is a reward system that favours those who drive safely and file no claims. When you drive without claims under your motor vehicle insurance for a full insurance period, generally 12 months, your bonus level will be higher during the next insurance period. A higher bonus translates to a lower insurance premium during the next insurance period. Compulsory motor liability insurance and voluntary comprehensive motor vehicle insurance have separate bonus systems, of which you can learn more about from the links below.

Terminology: Vehicle Cover contract for all vehicles

When you insure your vehicle with Pohjola Insurance’s motor vehicle insurance, you get a Vehicle Cover contract. This is called Vehicle Cover regardless of what kind of motor vehicle you are insuring or what coverage you choose. Please note that all vehicle insurance policies in which you are the policyholder will be added to the same Vehicle Cover contract.

Comparing and asking for offers for motor vehicle insurance policies

It is highly recommended that you compare and ask for offers for motor vehicle insurance at regular intervals, as this will ensure that you will find the best option for your vehicle.  However, bear in mind that there are also other factors at play besides the price. You should also look out for what is actually covered, and what type of services are available if losses occur.

The easiest way to compare Pohjola Insurance's motor vehicle insurance policies is by using the buttons above; we have just recently also made it easier to company policies for passenger cars and motorcycles. For more tips on how to shop around for motor vehicle insurance, see our article on the topic.

Motor vehicle insurance for businesses

All vehicles must be insured. We can insure not only your own vehicles but also your company vehicles. Learn more about, ask for an offer and cover your company's passenger cars, vans, lorries and any other vehicles easily using the link below.

We also offer A-Insurance services designed for commercial transport, designed to secure your business. Whether it concerns taxi entrepreneurs, transport companies, bus companies, ambulance business or forestry machines and machinery contractors, we can offer a suitable solution. The A-Insurance service package pools together our years of experience and special expertise in commercial transport insurance.

Registration and decommissioning

On the service you can compare and tailor your vehicle insurance to meet your needs. Once you have bought the insurance, you can also register the vehicle, and you will be ready to use it in traffic. You can register vehicles on the service and also Traficom’s services, from which the information will be forwarded to us.

Are you planning on buying a used car from a private person? By conducting your private vehicle trade in the OP Smart Contracts service, you can also register and insure your car in the same service.

Learn more about the OP Smart Contracts service

If you only use your vehicle for part of the calendar year, you can decommission the vehicle in OP eServices or with Traficom for that period. Decommissioning can save you money, because as a rule you do not pay vehicle tax for that period. Once you have taken motor liability insurance for your vehicle, you will also not have to pay the premium for the decommissioning period. Please note, however, that Pohjola Insurance's insurance for example for a motorcycle is seasonally rated, so that decommissioning may not even be necessary.

Pohjola Claim Help will ride to the rescue in case of vehicle loss or damage

Pohjola Claim Help is a search engine for any eventuality. Pohjola Claim Help gives you instructions quickly when things go wrong in traffic. Enter in the search field what has happened and the service will find instructions for the situation and information on what motor vehicle insurance will cover. Did you know that Pohjola Repair Advisor and our other repair shop partners will assist you in the event of a loss? 

Read more about Pohjola Claim Help

The free Pohjola Repair Advisor service is at your service

You can use our Repair Advisor service free of charge if you have taken out Pohjola Motor Vehicle Insurance including comprehensive motor vehicle insurance. Pohjola Repair Advisors are repair shop partners selected by Pohjola Insurance. They offer professional services across Finland in the event of motor vehicle damage. 

In the event of motor vehicle damage, you can take your car directly to the nearest Pohjola Repair Advisor shop. When you contact the Repair Advisor when a loss occurs, you do not have to file a claim afterwards – the Repair Advisor will do it for you in the repair shop. You will only have to pay for the possible deductible when visiting the repair shop and the Pohjola Insurance will be charged directly for the remaining amount. 

Learn more about our other mobility services

Autorahoitus – rahoitustarjous netistä auton ostoon
Car finance
It is easy to apply for car finance, that is, hire-purchase finance in advance online already before going to a car dealer. Apply for finance and you will get a loan offer right away.