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Lorry insurance

Prepare for lorry or light lorry losses

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1

The new rewarding motor liability insurance

We can offer a high initial bonus, quick bonus development and an excellent bonus cover.

2

Suitable insurance for your lorry

Super Motor Insurance, which is the most extensive one, also includes glass cover, while the cheaper Standard Motor Insurance is suited for lorries that are over 6 years old.

3

Owner-customer benefits

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

Lorry insurance covers your property

Lorry insurance consists of motor liability insurance and, if you so choose, also comprehensive motor vehicle insurance. Statutory motor liability insurance covers all personal injuries sustained by those involved in an accident, and also damage to the innocent party. Comprehensive motor vehicle insurance, on the other hand, covers damage to your lorry, such as collisions and glass cracks caused by a stone chip.

You can go to our online shop and buy insurance for a lorry in private use weighing no more than 6,000 kg. If you wish to insure a heavier lorry, contact our customer service and we will present the alternatives.

Lorries in business use must by insured by the company.
Kuorma-auton vakuutus tuo turvaa omaisuudellesi.

What does lorry insurance cover?

You can improve your lorry’s insurance coverage beyond the motor liability insurance with Super Motor Insurance, Standard Motor Insurance or Medium Motor Insurance. Super Motor Insurance given the widest protection, covering, for example, collision, theft and fire losses. You can further improve Super Motor Insurance by taking out additional cover for glass damage or non-use days.
 
Standard Motor Insurance is a cheaper alternative for lorries worth no more than EUR 15,000 and older than 6 years. However, Medium Motor Insurance for a lorry does not compensate collision losses, but coverage includes theft, fire and, if you like, vandalism and interruption of journey.

When transporting goods in a lorry, make sure that the lorry’s carrying capacity, fixing of the load and tyre pressures are sufficient.

Harri Uimonen Insurance Manager, Pohjola Insurance

The best Super Motor Insurance covers glass damage and non-use days

Optional additional cover can be used to tailor your Super Motor Insurance. The supplementary covers compensate, for example, your lorry’s glass change without losing bonuses in your comprehensive motor vehicle insurance, and glass repair without having to pay the deductible.

Supplementary covers also come in handy if your vehicle is being repaired following a loss covered by comprehensive motor vehicle insurance. In a case like that we will also pay daily compensation for non-use days. You can also take out additional cover, ensuring a higher compensation in a redemption situation.

Naiset ajavat autovakuutuksella turvattua henkilöautoa
Car insurance for passenger cars
Pakettiauton voi vakuuttaa liikennevakuutuksella ja kaskolla.
Insurance for a van

A lorry’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.

We offer you the maximum 70% bonus for comprehensive motor vehicle insurance from the start. The bonus is available to Super Motor Insurance and Standard Motor Insurance, that is, comprehensive motor vehicle insurance that comes with collision cover. The comprehensive motor vehicle insurance bonus reduces the premium for collision cover, and any claims made under it will reduce the bonus.

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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