Harrasteajoneuvon vakuutus sopii sekä harrasteautoille että -moottoripyörille.

Hobby vehicle insurance

Insurance for hobby cars and other hobby vehicles that are at 20 years old

Good bonuses

Your hobby car insurance can have the same motor liability insurance bonus as your other cars.



Low deductible

The deductible for a hobby vehicle’s comprehensive motor vehicle insurance is only 150 euros.


Owner-customer benefits

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

Insurance for hobby cars and other hobby vehicles

Hobby vehicle maintenance may take hours of time and trouble, so hobby cars and motorcycles are worth insuring against any losses. Please contact our customer service and insure your hobby vehicle not only with motor liability insurance but also hobby vehicle insurance.

A hobby vehicle may be a motorcycle, car or van or a lorry weighing no more than 6,000 kg. Campervans cannot be insured as a hobby vehicle.

A hobby vehicle must be at least 20 years old, registered and typically not used in traffic for at least 5 months per year.
Harrasteajoneuvon vakuutus on tarkoitettu vähintään 20 vuotta vanhoille ajoneuvoille.

Hobby vehicle insurance provides cover in case of loss or damage

Hobby vehicle insurance covers loss or damage to your hobby vehicle. We recommend the extensive hobby vehicle insurance, which covers not only collision damage but also theft, collision, fire or vandalism losses, for example. Extensive hobby vehicle insurance also covers towing if your trip is interrupted following the vehicle’s fault of damage.

If you have a hobby car or motorcycle more than 25 years old, you can also select limited hobby vehicle insurance. Limited hobby vehicle insurance does not cover damage caused by collision or vandalism, but will still cover, for example, theft and fire losses.

The purchase and renovation of hobby and museum vehicles has often required a lot of money and time, and this is why you should get proper insurance for it.

Jukka Nykänen Insurance Manager, Pohjola Insurance

Buy insurance for a hobby vehicle from customer service

You can buy insurance for your hobby car or other hobby vehicle by contacting our customer service. The price of insuring a hobby car other hobby vehicle is affected by, among other things, the vehicle make, age and value. The price is also affected by, for example, your personal motor liability insurance bonus and the comprehensive motor vehicle insurance and deductible level you chose.

In order to insure your hobby vehicle, we will also need some photos of the vehicle. Four photos of a car are enough: the left side from in from of the car, the right side from the back of the car, the interior seen from the driver’s opened door, and the engine with the bonnet up. Two photos must be taken of motorcycles – one from either side.

Museoajoneuvo kannattaa vakuuttaa huolella.
Museum vehicle insurance

Collision cover provides compensation for damage caused to the vehicle in a sudden external event.

Theft cover provides compensation for burglary into a locked vehicle or its unauthorised use. Receiving compensation requires reporting the offence to the police

Animal collision cover compensates collisions with a deer or other animal.

Fire cover provides compensation if, for example, an electric short circuit sets the vehicle on fire.

Vandalism cover provides compensation if an outsider vandalises your vehicle.

Legal expenses cover compensates reasonable legal expenses in a disputed civil or criminal case or non-contentious civil case related to the motor vehicle.

Emergency road service cover provides compensation for costs of repairing, towing or pulling the vehicle back on the road and other costs.

International third-party motor liability insurance provides compensation if the road accident occurs in a non-EEA country included in the Green Card agreement and if you, as the guilty party, are personally liable to pay an indemnity surpassing that to be paid from motor liability insurance under the laws of the country in question.

Hobby vehicle insurance is now available with the same motor liability insurance bonus you get for your other cars. Any bonus loss in your new motor liability insurance is more moderate than previously. If you have been a safe driver for a long time, you can immediately get bonus cover for your hobby vehicle insurance, meaning that a single loss will not reduce your 80% maximum bonus. The initial bonus for motor liability insurance for hobby vehicle is a 40% provided you have not insured any cars previously.

On the basis of your insurance and claims history accumulated when driving a motorcycle, you can have the same motor liability insurance bonus for all your motorcycles, including your hobby motorcycle. If no insurance history exists, the initial bonus for motor liability insurance is 20%. Each no-claim insurance period increases your motorcycle motor liability insurance bonus by 5% a year.

The comprehensive motor vehicle insurance policies of all hobby vehicles come with a 70% initial bonus. If the comprehensive motor vehicle insurance is valid with OP for five consecutive years without claims and then you have an accident, a 70% bonus only goes down to 60%, although normally any accident would reduce it by 20%.

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.