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.



Extensive Hobby Vehicle Insurance – our best cover for hobby vehicles

By taking out Extensive Hobby Vehicle Insurance, you can protect your hobby vehicle against accident, collision, vandalism, theft and fire.


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.

Teuvo Kaipainen Product Specialist, 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%.

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.