Mies, auto ja autovakuutus

Car insurance

Insure both the passenger car and its driver. Available online only in Finnish or Swedish.

Calculating the price and buying the insurance policy is not possible right now. We apologise for any inconvenience caused by this disruption.

Try again soon or buy insurance by contacting customer service by calling +358 10 253 1333 (Mon‒Fri 9–16).

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Lowest deductible on the market

Passenger car insurance only has a deductible of 150 euros.

The best car insurance for your car

Super Motor Insurance provides the best coverage of all, also a replacement car, while the cheaper Standard Motor Insurance is suitable for cars over six years old.

Owner-customer benefits

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

Car insurances provide cover for your journey

Motor liability insurance and the optional comprehensive motor vehicle insurance provide coverage for various situations, including collisions, swerving off the road or other accidents.

If your car is dented, or glass, panelling or plastic parts are broken, or you need help to either start or tow your car, car insurance will guarantee that you get the help you need quickly and easily.

Tell us your car’s registration number and we will tell you which car insurance is best for you.

The initial bonus of our new motor liability insurance is 40 %, and you now receive the same bonus both for your primary and secondary vehicle.

Which comprehensive motor vehicle insurance is suitable for your car?

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. We have three levels of comprehensive motor vehicle insurance to choose from.

Super Motor Insurance is best suited for a new or relatively new car, covering anything between windscreen damage and a little dent in a car park. Standard Motor Insurance is suitable for a 6–19-year-old car, covering, for example, collision, theft and vandalism. Medium Motor Insurance suits all vehicles that are a maximum of 25 years old. You can include, for example, towing coverage in this insurance.

A cheap motor vehicle insurance policy may become costly

When it comes to motor vehicle insurance, a cheap option is not always best, as a loss may result in costs beyond the mere price of repairs. If the car you use daily is damaged, finding and paying for a replacement car out of pocket may be time-consuming and costly. Cheap motor vehicle insurance policies also rarely compensate for damage caused by an unknown party by scratching or bumping into your parked car. When taking out motor vehicle insurance, it is worth considering the total costs that a loss or damage might cause you. In the event of a loss, the cheapest option is not necessarily cheap at all.

Someone dented my car in a parking garage and did not leave a note. Fortunately I chose parking cover under my Super Motor Insurance, covering this without bonus reduction.

Kimmo Vihanti

The best motor vehicle insurance also provides a replacement car and covers damage to parked vehicles

If you want to make sure that you have the best possible coverage, and want to be sure that you can continue on your journey whatever happens, we recommend Pohjola Super Motor Insurance. Super Motor Insurance is a motor vehicle insurance policy that you can tailor to your needs with four types of optional cover: Consequential Loss Cover, Parking Cover, Windscreen Cover and Super Salvage. Of these options, Windscreen Cover is also available for our other comprehensive motor vehicle insurance policies for passenger cars as of 1 April 2019.

With Consequential Loss Cover, we will deliver a replacement car to the scene of loss, if necessary. Thanks to the replacement car, you can go on as usual while your own car is being repaired. Parking Cover compensates dents to your car caused by an unidentified person, and Windscreen Cover covers windscreen replacement without a bonus reduction and windscreen repair without a deductible. The higher redemption amount in Super Salvage means that you get a better price if your car is redeemed.

Why should you shop around for motor vehicle insurance?

Shopping around for motor vehicle insurance regularly is advisable to ensure that your insurance is up-to-date and suited to your needs. Still, it is good to remember that each policy is different - the cheapest motor vehicle insurance is not always the best option. We recommend that when comparing motor vehicle insurance policies, you look closely at which option offers you the best security and assistance in the event of an accident or breakdown.

How is the premium for motor vehicle insurance determined?

The cost of motor vehicle insurance depends on both the vehicle and driver. It is affected by factors such the car’s make and age and the covers you choose to include. If you opt to only take out mandatory motor liability insurance, your motor vehicle insurance premium will be lower, but this means that your car is not insured against animal collision, technical failure or vandalism, for example.

Your motor vehicle insurance premium also depends on the motor liability insurance and comprehensive motor vehicle insurance bonuses you have accrued as a driver. Bonuses reward excellent drivers with a reduction in motor vehicle insurance premium. This means that by driving safely and without causing damage, you can reduce the cost of your car’s insurance for the next insurance period.

To easily check the prices, simply enter your vehicle’s registration number in the field at the top of this page to see our recommended covers and your insurance premium. See the link below to learn more about the motor vehicle insurance calculator.

Motor vehicle insurance calculator – how it works

The motor vehicle insurance bonus is formed by combining the motor liability insurance bonus with the comprehensive motor vehicle insurance collision cover no-claims bonus. Motor liability insurance bonus is based on your personal insurance and claims history, which takes into account how long you have had vehicles insured under your name, as well as whether any insurance claims have been made for the vehicles.

A passenger car's motor liability insurance bonus will increase more quickly than previously, and decrease more moderately if an accident occurs. The motor liability insurance starting bonus is at least 40%, with 80% the maximum. Bonus percentages you have achieved can also be used for any other car you have.

You will always receive a full initial bonus of 70% for the collision cover of your comprehensive motor vehicle insurance. Any claims compensated under collision cover will reduce the collision cover bonus by 20%. Claims filed for losses due to storm or hail, for example, will not reduce your bonus. After insurance periods with no claims, the bonus will increase by 10% a year. For more information on how motor vehicle insurance bonus is earned, see the motor vehicle insurance product guide.

Insurance and claims history certificate

If you need you a certificate of your vehicles’ insurance and claims history, you can order it from the Finnish Motor Insurers' Centre. You can prove your claims history to a foreign insurance company.

Mietitkö autovakuutuksen kilpailuttamista? Tutustu, miten voit hoitaa kilpailutuksen mahdollisimman vaivattomasti.

Owner-customer benefits

If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on most policies and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. If you are aged between 18 and 27, you can get a 21% discount on almost all home and family insurance policies.

Other benefits

  • A 40% increase in the sum insured under life insurance
  • 200-euro benefit of the deductible under MyHome Insurance
  • one-year, free-of-charge life insurance for parents with a child under one year of age

OP bonuses

Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for

  • loans
  • savings and investments
  • funds in accounts
  • purchases you have paid with OP-Visa credit.

OP bonuses are used for the bank’s service charges and insurance premiums.

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

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