Naiset ajavat autovakuutuksella turvattua henkilöautoa

Car insurance

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

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

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Car insurance with the highest initial bonus on the market

Mandatory motor liability insurance with an amazing 40% initial bonus – you will not find a higher initial bonus anywhere else. Maximum bonus of 80% and bonus cover once two (2) years without claims have elapsed at the maximum bonus.


Optional comprehensive motor vehicle insurance with the lowest deductible on the market

Include a voluntary comprehensive motor vehicle insurance in your insurance policy and get comprehensive cover against losses such as vandalism and theft. The initial bonus for the comprehensive motor vehicle insurance is an amazing 70% and the deductible can be as low as EUR 150.


Car insurance now covers windscreen damage

Windscreen Cover is an optional additional cover for your car insurance. It covers your vehicle’s windscreen and windows against glass cracks and other damage. Windscreen Cover is now available for all comprehensive motor vehicle insurance policies for passenger cars.


Immediate help in the event of loss – without unnecessary loss reports

Look in Pohjola Claim Help for instructions on what to do in the event of loss, as well as for information about what your motor vehicle insurance covers. When you contact a Pohjola Repair Advisor about a loss event, the Repair Advisor handles any repairs and claim applications for you.


Looking for the cheapest car insurance? Lower price for loyal customers

As a loyal customer of Pohjola Insurance or an owner-customer of OP cooperative bank, you can get up to 18% off the annual price of the comprehensive motor vehicle insurance with bonus entitlement and earn OP bonuses that can be used for paying insurance premiums.

Car insurance discount for loyal customers

You are a loyal customer if you have insurance policies from at least three product lines. Learn more about discounts and benefits for loyal customers and get a quote for insurance conveniently online.

Pohjola Car Insurance – Cover tailored for your car

Pohjola Car Insurance offers excellent cover for your passenger car. Car insurance policies always include mandatory motor liability insurance. In the event of an accident, motor liability insurance covers all personal injuries and any property damage to the innocent party.

At its best, car insurance also includes voluntary comprehensive motor vehicle insurance. Comprehensive motor vehicle insurance covers loss and damage, such as vandalism, windscreen damage and collision damage, based on the types of cover you have chosen to include in your insurance policy. Comprehensive motor vehicle insurance options for Pohjola Motor Vehicle Insurance include Medium Motor Insurance, Standard Motor Insurance and the most comprehensive Super Motor Insurance.


The premium of car insurance policy is based on factors such as the make and age of your vehicle, the no-claims bonuses you have earned, and the cover you have chosen to include in your insurance policy.
Mies, auto ja autovakuutus

Should I get the cheapest car insurance?

The price of your car insurance is based partly on the cover you have chosen to include in your insurance policy. The more comprehensive the cover, the more expensive your car insurance. 

However, a cheap car insurance may be surprisingly expensive when a loss event occurs, if it does not cover the loss or damage in question. In such case, you may end up paying a high price for your cheap insurance policy.

For example, 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 car insurance policies also rarely compensate for damage caused by an unknown party by scratching or bumping into your parked car.

In reality, the cheapest car insurance is one that actually helps when you need it. When taking out car insurance and comparing the price of different insurance policies, it is worth considering the total costs that a loss or damage might cause you. In the event of a loss, the cheapest car insurance is not necessarily cheap at all.


Add optional parking cover to your Super Motor Insurance policy for compensation when an unidentified party has collided with your vehicle while it is parked in a place such as a parking facility or on a street.

Petri Linna Insurance Manager, Pohjola Insurance

Car Insurance with Super Motor Insurance – the best cover for your car

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 motor vehicle insurance policy that you can tailor to your needs with four types of optional cover:

  1. Consequential Loss Cover

  2. Parking Cover

  3. Windscreen Cover (also available as optional cover for other passenger car comprehensive motor vehicle insurance policies)

  4. Super Salvage

With Consequential Loss Cover, we will deliver a replacement car to the scene of loss, if necessary. Thanks to the replacement car, you can continue your life normally while your own car is being repaired.

Parking Cover covers dents caused by an unknown party on a parking lot. Windscreen Cover covers windscreen or window change without you loosing bonuses from your comprehensive motor vehicle insurance, and glass repair without having to pay the deductible. Super Salvage’s higher redemption amount means that you get a better price if your car is redeemed

Why choose Pohjola Car Insurance for your car?

Pohjola Car Insurance is an excellent package for both new and experienced drivers. Below you can find more information about why Pohjola Car Insurance suits any driver.

Motor vehicle insurance no-claims bonus

As a new driver, you can get an initial bonus of up to 40% on your motor liability insurance. By driving safely, you can quickly increase your bonus, and in two (2) years it may be up to 60%. We reward experienced drivers with a maximum bonus of up to 80% and bonus cover that offers protection against loss of no-claims bonus. Whether you are a new or an experienced driver, you will get a full 70% bonus for your comprehensive motor vehicle insurance to begin with.

Learn more about no-claims bonus for motor liability insurance

Learn more about no-claims bonus for comprehensive motor vehicle insurance policies

Low motor vehicle insurance deductibles

The best motor vehicle insurance helps in the event of loss or damage. If you include comprehensive motor vehicle insurance in your Pohjola Motor Vehicle Insurance policy the deductible can be as low as EUR 150, which means you do not have to spend your own money in the event of loss or damage.

Pohjola Claim Help – instructions on what to do always easily available

Pohjola Claim Help is at your service in the event of loss or damage. Claim Help provides clear instruction for everything from what to do at the place of loss to filing a loss report and motor vehicle insurance coverage. Pohjola Claim Help also lists the contact details of our repair shop partners.

Pohjola Claim Help is also available on OP-mobile and always with you wherever you go. 

Go to Pohjola Claim Help service

Pohjola Repair Advisor at your assistance in the event of loss

Pohjola Repair Advisors are at your service across Finland, and currently available in 18 localities. If a loss event occurs, you can easily find the contact details of the nearest Pohjola Repair Advisor using the Claim Help service.

The Repair Advisor will handle both the repair of your vehicle and claim applications for you, which means you won’t need to file a loss report yourself. 

Learn more about Pohjola Repair Advisor

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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