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Comprehensive motor vehicle insurance for vehicles

The comprehensive motor vehicle insurance is a voluntary motor vehicle insurance covering you against various types of loss or damage affecting your own vehicle. Read our tips on choosing the most suitable comprehensive motor vehicle insurance for you!

Comprehensive motor vehicle insurance is a voluntary car insurance policy that covers losses to your car. Because motor liability insurance, which is mandatory for all motor vehicles, only covers personal injuries to yourself and the adverse party and damage to the adverse party’s vehicle and property, you will need comprehensive motor vehicle insurance to cover damage to your vehicle caused by an accident.

When you take out motor liability insurance and comprehensive motor vehicle insurance, you vehicle will be properly insured. Comprehensive motor vehicle insurance consists of various covers, so you should take some time to choose which ones you really need. The cheapest comprehensive motor vehicle insurance does not necessarily provide all the covers that you need for your vehicle.

 

What does comprehensive motor vehicle insurance cover?

Under comprehensive motor vehicle insurance, we pay compensation for damage to your own vehicle. The extent of compensation on the other hand depends on the type of comprehensive motor vehicle insurance you have chosen ‒ the more extensive it is, the more losses it covers. When choosing comprehensive motor vehicle insurance, you should consider what kind of losses you want it to cover. Should an accident occur, losses will always be compensated according to the extent of the comprehensive motor vehicle insurance you chose. Besides damage to your vehicle, the comprehensive motor vehicle insurance covers, among other things,

  • any fixed standard equipment or equipment intended for use only in the vehicle that is included in the recommended retail price of your vehicle, and
  • winter or summer tyres kept in storage.

However, comprehensive motor vehicle insurance does not cover, e.g.

  • damage caused by manufacturing defects, wear and tear or poor maintenance,
  • damage caused by using the wrong fuel,
  • damage covered on the basis of a warranty,
  • damage occurring in a race, when training for a race or on a race track, or damage caused to structures intended for competitive use.

Extensive motor insurance, super motor insurance - there are many names for it

Coverall, super or extensive comprehensive motor vehicle insurance are terms you might hear when motor vehicle insurance is the topic of debate. Terms like these, e.g. super motor vehicle insurance usually refer to an insurance providing the widest coverage against adversities, in short, to the best comprehensive motor vehicle insurance available.

The most comprehensive motor vehicle insurance policies offered by Pohjola Insurance are the Super Motor Insurance for cars or the Maxi Motor Insurance for campervans or motorcycles.

Super Motor Insurance, Standard Motor Insurance or Medium Motor Insurance - which is the best comprehensive motor vehicle insurance?

Your choice of comprehensive motor vehicle insurance is affected not only by your own needs but also of the age of your vehicle and its value. A new and valuable vehicle warrants a more extensive insurance than an older one with lots of miles under the bonnet. The comprehensive motor vehicle insurance alternatives we offer for cars, vans and lorries are Super Motor Insurance, Standard Motor Insurance and Medium Motor Insurance. For campervans you can select Maxi Motor Insurance or Medium Motor Insurance.

  • Medium Motor Insurance is a comprehensive motor vehicle insurance suitable for older cars and campervans.
  • Standard Motor Insurance is suitable for cars that are worth up to 15 000 euro and 6‒19 years old.
  • Super Motor Insurance is a vehicle insurance for new or relatively new cars, but can be taken out for any car that is less than 15 years old.
  • Maxi Motor Insurance, on the other hand, can be taken out for campervans that may be new or up to 15 years old.

Choose Super Motor Insurance for your car, or Maxi Motor Insurance for your campervan, if you want the best possible comprehensive motor vehicle insurance against damage to your vehicle. If you like, you can add extra coverage to Super Motor Insurance and Maxi Motor Insurance, making your insurance cover even more comprehensive.

You will find the comparison between the covers provided by the Maxi Motor Insurance and the Medium Motor Insurance for campervans close to the comparison between comprehensive motor vehicle insurance for motorcycles.

What do the various comprehensive motor vehicle insurance policies cover?

 

Super Motor Insurance

 

Standard Motor Insurance

 

Medium Motor Insurance

 

Parking cover

You will be compensated if your parked car was hit by another party that remained unidentified and you can specify the exact place and time of loss. Deductible €150.

Available for cars

No

No

Windscreen cover

You will be compensated if your car’s windscreen or any window is broken by being directly hit by something. The deductible is €150 if the glass is replaced and €0 if the glass is repaired but not replaced.

Available for cars

Available for cars

Available for cars

Higher redemption amount / Super Salvage

We will pay you a higher redemption amount if your vehicle is so badly damaged that its repair costs would be too high. The deductible for the cover to which the loss is related.

Selectable

No

No

Replacement car / Loss of use of the car

If your journey is interrupted due to a technical fault in your car, you will get a replacement car for up to seven days as of the date of loss. You can also get a replacement car for a maximum of 30 days or a daily compensation of EUR 50 when your vehicle is being repaired because of a coverable loss, such as collision or vandalism. No deductible.

Selectable

No

No

Loss of use of a van or lorry

We will pay you the daily compensation you chose when you took out your policy, €40 or €90, which you will receive for up to 30 days while your vehicle is being repaired due to a damage covered by your policy. No deductible, or a qualifying period of 3 days with the compensation starting as of Day 4.

Selectable

No

No

Collision cover

You will be compensated if your vehicle is damaged by, for example, a collision, swerving off the road, a road collapse or a storm. Deductible starting at €150.

Yes

Yes

No

Vandalism cover

You will be covered for damage to your car caused by vandalism. Deductible €150.

Yes

Yes

Selectable

Towing / Emergency road service

You will receive service if your travel is interrupted owing to a damage or technical fault, or when a car you have locked has been stolen. We will compensate, for example, the costs of towing or pulling the vehicle back onto the road, the costs of repair performed at the place of loss, and extra travel and accommodation costs arising from the interruption of the journey. If your drive is interrupted abroad, Super Motor Insurance’s emergency road service can help you obtain a rental car. No deductible.

Yes

Yes

Selectable

Cover for legal costs

You will receive compensation for reasonable legal costs in a disputed civil case, criminal case or non-contentious civil case concerning, for example, the ownership, driving and possession of the vehicle. The maximum compensation is €10,000. Deductible 15% of the expenses, but no less than €200 per loss.

Yes

Yes

Yes

Theft cover

You will receive compensation if your vehicle that you locked has been broken into or used without permission or an attempt has been made to steal it, and you have reported the offence. Deductible €150.

Yes

Yes

Yes

Animal collision cover

You will receive compensation if your car is damaged due to a collision with an animal. Deductible €150.

Yes

Yes

Yes

Fire cover

You will receive compensation if your car catches fire. For example, a short circuit in a piece of electrical equipment in your car may cause a fire. Deductible €150.

Yes

Yes

Yes

International liability

You will receive compensation if you operate your vehicle in a non-EEA-area Green Card agreement country, such as Russia, if you have personal indemnification liability as the guilty partner of a road accident and if the loss is not compensated from motor liability insurance according to the laws of the country in question. The maximum compensation is EUR 100,000 for bodily injuries and EUR 50,000 for material damage. Deductible €150.

Yes

Yes

Yes

Financing Cover

We will pay compensation to the vehicle owner, e.g. a dealership or finance company, for loss of or damage to the vehicle if compensation is otherwise refused according to our terms and conditions. The deductible for the cover to which the loss is related.

Selectable

Selectable

No

 

 

Maxi Motor Insurance and Medium Motor Insurance for motorcycles, campervans or other vehicles

If the vehicle is a motorcycle, a campervan, a moped, a light quadricycle, an all-terrain vehicle, a snowmobile, a caravan or a light trailer, you can choose one of two alternative comprehensive motor vehicle insurance policies: Maxi Motor Insurance and Medium Motor Insurance.

  • We recommend Maxi Motor Insurance for motorcycles subject to registration as well as for campervans, mopeds, quad bikes, snowmobiles, light quadricycles that are no more than 15 years old and for caravans and light trailers (max. 3.500 kg).
  • Medium Motor Insurance suits all vehicles that are no older than 25 years.

You may obtain insurance against fire, theft and legal expenses for a tractor that is 0–50 years old and not in productive use. For an unregistered motorcycle, you can take out Medium Motor Insurance without optional additional coverage.

What do the various comprehensive motor vehicle insurance policies cover?

 

Maxi Motor Insurance

 

Medium Motor Insurance

 

Parking cover

You will be compensated if your parked motorcycle or campervan was hit by another party that remained unidentified and you can specify the exact place and time of loss. Deductible €150.

Selectable for motorcycles and campervans

No

Windscreen cover

You will be compensated if your campervan’s windscreen or any window is broken by being directly hit by something. The deductible is €150 if the glass is replaced and €0 if the glass is repaired but not replaced.

Selectable for campervans

No

Higher redemption amount / Replacement value

We will pay you a higher redemption amount if your motorcycle of over 125cc or your campervan is so badly damaged that its repair costs would be too high. Deductible for the cover to which the damage relates.

Included for campervans

Selectable for motorcycles

No

Business interruption insurance

We will pay you the daily compensation you chose when you took out your policy, €40 or €90, which you will receive for up to 30 days while your motorcycle or campervan is being repaired due to a damage covered by your policy.

No qualifying period or a qualifying period of three days in which case indemnity is paid from the fourth day onwards.

Selectable for motorcycles and campervans

No

Towing / Emergency road service

You will receive service if your travel is interrupted owing to a damage or technical fault, or when a vehicle you have locked has been stolen. We will compensate, for example, the costs of towing or pulling the vehicle back onto the road, the costs of repair performed at the place of loss, and extra travel and accommodation expenses arising from the interruption of the journey. No deductible.

Included for motorcycles, campervans and light quadricycles

Selectable for motorcycles, campervans and light quadricycles

Vandalism cover

You will be covered for damage to your vehicle caused by vandalism. Deductible €150.

Yes

Selectable motorcycles and light quadricycles

Collision cover

You will be compensated if your vehicle is damaged by, for example, a collision, swerving off the road, a road collapse or a storm. Deductible starting at €150.

Yes

No

Cover for legal costs

You will receive compensation for reasonable legal costs in a disputed civil case, criminal case or non-contentious civil case concerning, for example, the ownership, driving and possession of vehicles. The maximum compensation is €10,000. Deductible 15% of the expenses, but no less than €200 per loss.

Yes

Yes

Theft cover

You will receive compensation if your vehicle that you locked has been broken into or an attempt has been made to steal it or it has been used without permission, and you have reported the offence. Deductible €150.

Yes

Yes

Animal collision cover

You will receive compensation if your vehicle is damaged due to a collision with an animal. Deductible €150.

Yes

Yes

Fire cover

You will receive compensation if your vehicle catches fire. For example, a short circuit in a piece of electrical equipment in your vehicle may cause a fire. Deductible €150.

Yes

Yes

International liability

You will receive compensation if you operate your vehicle in a non-EEA-area Green Card agreement country, such as Russia, if you have personal indemnification liability as the guilty party of a road accident and if the loss is not compensated from motor liability insurance according to the laws of the country in question. The maximum compensation is EUR 100,000 for bodily injuries and EUR 50,000 for material damage. Deductible €150.

Yes

Yes

Financing cover

We will pay compensation to the vehicle owner, e.g. a dealership or finance company, for loss of or damage to the vehicle if compensation is otherwise refused according to our terms and conditions. The deductible for the cover to which the loss is related.

Selectable

No

 

 

The price of a comprehensive motor vehicle insurance is the sum of several factors

The cost of a comprehensive motor vehicle insurance is determined by the vehicle’s properties, and your details. Vehicle-specific factors affecting the price of comprehensive motor vehicle insurance include the tare weight or total weight, cylinder volume, power-to-weight ratio (kW/kg), age and municipality in which you use the vehicle. The make and body type of the car also affect the price of comprehensive motor vehicle insurance. Your history as policyholder and the bonuses you have accumulated are examples of personal data that affect the price of your comprehensive motor vehicle insurance. The type of the comprehensive motor vehicle insurance you chose and the deductible of the collision cover affect the price of your comprehensive motor vehicle insurance.

The product guide contains more information on the factors that affect the price of a comprehensive motor vehicle insurance. You can calculate the price of your insurance quickly and easily in our webshop.

Seasonal rating according to the riding season

Seasonal rating is applied to the motor liability insurance and Maxi Motor Insurance policies for motorcycles, mopeds, all-terrain vehicles and snowmobiles, and to the Maxi Motor Insurance policies for caravans. The premiums are lower during months when a vehicle is unlikely to be used.

When you use your vehicle only during the season typical for such vehicles, for example, you ride your motorcycle only from spring to autumn, this is reflected in the premium. This means that you do not have to decommission the vehicle for the winter even if you do not use it. However, if you will not be using your motorcycle through all of the summer season, you can of course decommission it and receive a refund for the insurance premium.

Comprehensive motor vehicle insurance bonus

Comprehensive motor vehicle insurance collision cover begins with a bonus of 70%. Comprehensive motor vehicle insurance bonuses increase for no-claims insurance periods by 10% a year up to 70%. The accumulated comprehensive motor vehicle insurance bonus reduces the collision cover premium.

Comprehensive motor vehicle insurance bonus increases when the car has been used in traffic during an insurance period for at least 120 days without any losses covered under collision cover. Your comprehensive motor vehicle insurance bonus can increase once during a single year. Note that comprehensive motor vehicle insurance bonuses decrease with each loss compensated from collision cover by 20%. However, if you have had comprehensive motor vehicle insurance with Pohjola Insurance with a bonus of 70% for five consecutive years without losses at the time of the loss in question, your 70% bonus will only be reduced to 60% due to loss. Claims filed for losses due to storm or hail, for example, will not reduce your bonus.

Comprehensive motor vehicle insurance and OP bonuses

As an OP owner-customer, you will benefit from a number of benefits and from the OP bonuses that accumulate from your banking and insurance transactions. Comprehensive motor vehicle insurance and motor liability insurance also accumulate valuable OP bonuses. Owner-customers can use their OP bonuses to pay for their insurance and banking fees. OP bonuses can be used to pay for vehicle insurance premiums.

Owner-customers can also get a discount on the car insurance. When you are an owner-customer of ours and you have policies from three product groups, you can have a discount of almost 10% for your vehicle insurance policies and almost 18% for comprehensive motor vehicle insurance policies with no-claims with bonuses.

Validity of comprehensive motor vehicle insurance abroad

Comprehensive motor vehicle insurance is valid throughout Europe and in Green Card countries outside Europe, with a number of exceptions. Please note that abroad the deductible of your comprehensive motor vehicle insurance is higher. You find information on country-specific exceptions to the validity of the comprehensive motor vehicle insurance and its various covers, and on country-specific deductibles in the product guide at the bottom of this page.

Are you considering comparing comprehensive motor vehicle insurance policies? Get to know how you can take care of the comparison as easily as possible.

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