Asuntovaunun vakuutus tuo turvaa tien päälle.

Caravan insurance

Caravan insurance covers your caravan and accessories

Suitable cover for all caravans

In addition to the mandatory motor liability insurance, you can take out a voluntary Medium Motor Insurance or Maxi Motor Insurance for your caravan. 


You can see the difference in the price of your seasonally rated Maxi Motor Insurance

The Maxi Motor Insurance of our caravan insurance is seasonally priced. The Maxi Motor Insurance is always valid, but you pay less for the winter months when you use your caravan less by default.


Benefits for loyal customers and owner-customers

As a Pohjola Insurance loyal customer and OP cooperative banks' owner-customer, you will get a discount on your insurance policies and increase your OP bonus. For instance, as a loyal customer and owner-customer, you will get a nearly 10% discount on the comprehensive motor vehicle insurance for your caravan.

Caravan insurance covers both travel and storage

It is easy to enjoy the freedom you get with a caravan when you know the insurance is there to protect you both on the road and during winter storage. We recommend that you take not only the mandatory motor liability insurance but also comprehensive motor vehicle insurance that covers losses to your caravan.

Both of our caravan policies, Maxi Motor Insurance and the cheaper Medium Motor Insurance, cover fire and theft losses. Select Maxi Motor Insurance if you want coverage to include collisions or, say, a tree falling over the caravan.

Caravan insurance also covers any fixed accessories.
Asuntovaunun vakuutus kattaa niin vaunun kuin sen kiinteät varusteet.

Cover also for fixed accessories

A caravan with mod cons is like a summer cottage on wheels. This is why it is good that caravan insurance also covers losses to the fixed accessories, such as standard refrigerator or cooker. Caravan insurance also covers any fixed awning tents or canopies.

Please note, however, that damage to, for example, any separate electrical equipment or other property brought into the trailer are not covered by the trailer insurance but your home insurance. Home insurance covers damage for up to 5,000 euros as a rule. If items are stolen from a campervan parked outside your home, place of study or holiday home or within a 50 km radius from them, the maximum compensation is 1,000 euros.

Before the caravanning season begins, check that the gas hose and the joints have no leaks. You can do this by, for example, spraying mild soap water over the hoses to detect any leakage.

Hanna Veikkola

Lock the caravan properly

The caravan must always be locked properly or stored in a locked space. In addition to locking the door, it is also important to lock the caravan with another lock or device, preventing it from being moved or coupled to a drawing vehicle.

If your caravan is nevertheless stolen, report the theft first to the police and then inform us. A loss report is easy to do online or in OP-mobile, which you will also receive a claim settlement decision more quickly.

Mies, auto ja autovakuutus
Car insurance for passenger cars

Benefits from Pohjola Insurance

You receive the following insurance benefits for prime customers when you have policies from at least three different product categories:

  • 7% off home and other property insurance, personal insurance, continuous travel insurance and comprehensive motor vehicle insurance policies
  • as our prime customer aged 18–27, a discount of 21% on nearly all insurance for home and family policies.
  • free 40% increase in the sum insured under life insurance.

If you are also an OP cooperative bank owner-customer, you are entitled to an extra discount of 3% on most insurance products. The extra 3% discount for owner-customers cannot be combined with the 21% discount for young insurance customers.

Regardless of your number of policies or type of customer relationship, we always offer the following benefits:

  • a 2.5% discount when paying your insurance bill in one instalment.
  • a permanent 5% discount on life insurance purchased online.
  • free life insurance for one year for parents of children under 12 month

Benefits for OP cooperative bank owner-customer

As an owner-customer, you get the following benefits regardless of your number of policies:

  • OP bonuses you accrue will be used to pay insurance premiums*
  • free 40% increase in the sum insured under life insurance.
  • deductible benefit of 250 euros for MyHome Insurance.
  • free Product Protection Insurance for purchases made using OP credit cards

*As our owner-customer, you earn OP bonuses, which are used to pay insurance premiums and banking service charges. OP bonuses are earned from insurance policies, loans, savings and investments, funds in your accounts, and purchases paid with OP-Visa using the credit function.

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