Moped insurance

Motor liability insurance and comprehensive motor vehicle insurance for mopeds

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Insurance for a moped or motor scooter with the right coverage for you

Moped insurance consists of mandatory motor liability insurance for a moped and voluntary comprehensive motor vehicle insurance. You can choose between a limited Medium Motor Insurance or the more extensive Maxi Motor Insurance for your moped or scooter.


Our most comprehensive option for mopeds, Maxi Motor Insurance, also covers vandalism

By choosing the more comprehensive Maxi Motor Insurance for your moped, your insurance will compensate the costs of vandalism to your moped or motor scooter.


The cost of moped and motor scooter insurance depends on the time of year

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


Make use of your prime customer and owner-customer discounts

As a Pohjola Insurance prime customer, you get a discount of 7% on comprehensive motor vehicle insurance for a moped. If you are also an OP cooperative bank owner-customer, you get a further 3% discount on comprehensive motor vehicle insurance.

Moped insurance discount for prime customers

When you are a Pohjola Insurance prime customer, you receive a discount on our moped insurance. Learn more about the discounts and benefits of our prime customers and request an offer of multiple insurance policies conveniently online.

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.

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.

What does moped insurance cover?

  Maxi Motor Insurance Medium Motor Insurance
Mandatory motor liability insurance
Personal injuries and damage to the other party’s property caused by collision
Kyllä Kyllä
Your moped is stolen
Kyllä Kyllä
Animal collision
Your moped is damaged in a collision with an animal
Kyllä Kyllä
Your moped is damaged by fire
Kyllä Kyllä
Legal expenses
You incur legal expenses in civil disputes related to the moped’s ownership, for example
Kyllä Kyllä
International liability
You operate your vehicle in a non-EEA country within the Green Card system and become personally liable for damages as the guilty party in a road accident, and the damages are not compensated from motor liability insurance under the law of the country in question
Kyllä Kyllä
Your moped is damaged due to a crash, collision or swerving off the road, for example
Kyllä Ei
Your moped is tipped over on purpose or vandalised in some other way
Kyllä Ei
We will compensate the vehicle’s owner, such as a dealership or finance company, for loss of or damage to the vehicle not otherwise covered under our terms and conditions
Selectable Ei

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

Teuvo Kaipainen Product Specialist, 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.

Car insurance for passenger cars
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.

As a Pohjola Insurance prime customer you will receive discounts benefits. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts and the bonuses you have received as an owner-customer are used for your insurance premiums.



The insurance is issued by Pohjola Insurance Ltd.

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