Autovakuutus henkilöautolle tuo turvaa matkantekoon.

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).

We use automated decision-making in insurance decisions. Read more

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 insurance provides 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.

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 car insurance also provides a replacement car and covers glass damage

The cheapest car insurance is not necessarily the best insurance for your needs. If you want to ensure that you have the best possible coverage and want to be sure that you can continue on your journey whatever happens, we recommend Super Motor Insurance. Super Motor Insurance is a car insurance policy that you can tailor to your needs with four types of optional cover: replacement car, parking loss, glass loss and higher redemption amount.

If necessary, we will bring your replacement car to the scene of the loss and you can use it until your own car has been repaired. The optional extra coverage compensates dents to your car by an unidentified person and glass change without bonus reduction, and glass repair without deductible. Higher redemption amount, as the name states, means you get a better price if you car is redeemed.


Why is it worth asking for motor vehicle insurance offers?

We recommend that you ask for motor vehicle insurance offers once in a while to ensure that your policy is up to date and just right for your needs. However, you should bear in mind that there are differences between policies regarding, for example, coverage, deductibles and any services available in case of losses. This means that the cheapest motor vehicle insurance may not be the best option. That’s why we recommend that when you ask for motor vehicle insurance offers, you should consider matters from the viewpoint of losses – which policy offers you the best coverage and assistance.

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.

We offer you the maximum 70% bonus for comprehensive motor vehicle insurance from the start. The bonus is available to Super Motor Insurance and Standard Motor Insurance, that is, comprehensive motor vehicle insurance that comes with collision cover. The comprehensive motor vehicle insurance bonus reduces the premium for collision cover, and any claims made under it will reduce the bonus.

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.

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 OP Insurance Ltd. OP cooperative banks are acting as OP Insurance Ltd’s representatives.
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