Skootterin tai mopon vakuutus sisältää liikennevakuutuksen ja halutessasi myös kaskon.

Moped insurance

Motor liability insurance and comprehensive motor vehicle insurance for mopeds

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Moped insurance to meet your needs

You can supplement your moped’s motor liability insurance with Maxi Motor Insurance or Medium Motor Insurance.


Seasonal moped insurance premium

Seasonally rated moped insurance is valid throughout the year, but the insurance cost is automatically lower in winter than summer.


Owner-customer benefits

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

Moped insurance covers both the rider and the moped

A moped gives both younger and older drivers a chance to get around independently. Motor liability insurance is mandatory for mopeds, covering any personal injuries to the driver and any passengers and losses to the innocent adverse party.

A moped’s motor liability insurance does not cover your own moped’s losses, but you can prepare against them with comprehensive motor vehicle insurance. Maxi Motor Insurance also covers any collisions, which Medium Motor Insurance does not.

Moped insurance covers, for example, if

  • your moped is stolen
  • your moped is vandalised
  • you have an accident in which your moped is damaged.
Vuodenaikahinnoiteltu mopon ja mopoauton vakuutus on voimassa ympäri vuoden.

Take out moped insurance under the name of the adolescent using it

Often a moped is the first motor vehicle used independently by adolescents in traffic. To ride a moped, you have to know the traffic rules, have a driving licence in addition to being careful and at least 15 years of age.

A moped or scooter insurance must be taken out under the name of the vehicle’s primary user. If the user is 15-17 years old, the insurance is granted with the parent’s consent. To do this, please contact our customer service.

If you have temporarily decommissioned your moped from traffic use, remember to recommission it before you leave for a ride again.

Jukka Nykänen Insurance Manager, Pohjola Insurance

Seasonally rated moped insurance saves time and money

Wondering about the price of moped insurance or looking for an affordable moped insurance policy? Moped insurance is seasonally rated, so you don’t have to worry about interrupting your cover because of the cost in winter. This means that while your moped insurance is valid all year round, the lower winter premium takes into account the fact that you drive your moped less or not at all in winter weather.

Therefore, thanks to a seasonally rated insurance, you or your minor policyholder do not have to decommission the moped or take out a laid-up insurance if the moped was not used during the winter. In spring, the moped can be taken into use immediately when the weather permits, as the insurance cover is ready. If the moped is not used at all during the summer, you can still decommission it and receive a refund from the price of the moped insurance.

It is also worth considering when comparing different alternatives and moped insurance prices the type of insurance that best suits your needs and offers the most comprehensive cover for you and your vehicle in case of damage or loss. The cheapest moped insurance is not necessarily the best one in case of loss or damage. When you select a moped insurance policy that helps you in case of damage or loss and covers the related costs, your vehicle is covered by a genuinely low-cost moped insurance policy.

Naiset ajavat autovakuutuksella turvattua henkilöautoa
Car insurance for passenger cars
Mies huoltaa moottoripyörää
Motorcycle insurance

Accidents can be prevented by being careful and by following safety regulations.

A moped must always be stored locked or in a locked space. A moped is properly locked when the keys are out of the ignition and the steering lock or the immobiliser is activated. In the absence of such devices, the moped must be locked with a brake, chain or cable lock to prevent unauthorised use.

It is also good to remember that mopeds may not be tuned, as riding a tuned in traffic moped is illegal.

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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