Kuorma-auton vakuutus korvaa ajoneuvosi vahinkoja.

Lorry insurance

Prepare for lorry or light lorry losses

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The new rewarding motor liability insurance

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


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.


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.

Teuvo Kaipainen Product Specialist, 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.

Mies, auto ja autovakuutus
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.

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.

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