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Motor liability insurance

Statutory motor liability insurance for all motor vehicles

High initial bonus for motor liability insurance - as much as 40%

The initial bonus you receive for your vehicle’s motor liability insurance can be as much as 40% if you do not have previous insurance or claims history. As a new driver, you cannot find a better initial bonus anywhere else.

Quick bonus development, maximum bonus 80%

As a new driver, your driving skills will develop quickly, and so will the bonus of your motor liability insurance. After three years, the bonus will already be 70% and, by driving safely, you will receive the maximum bonus of 80% in as quickly as five years.

Bonus cover for the best drivers to protect against loss of no-claims bonus

You will receive bonus cover for your motor liability insurance after you have driven two years with a maximum bonus without loss compensated by motor liability insurance. With bonus cover, you will not lose your maximum bonus in the event of loss or accident. 

The same motor liability insurance bonus for your primary and secondary car

The motor liability insurance bonus is not vehicle-specific, but you will have the same bonus for all cars or motorcycles you insure, in accordance with your insurance and claims history.

Broader security through comprehensive motor vehicle insurance

The motor liability insurance does not cover damage caused by a stone hitting your vehicle’s windscreen or damage caused to your vehicle while it is parked. You need comprehensive motor vehicle insurance to cover these.

Motor liability insurance – mandatory cover for all vehicles

Motor liability insurance is mandatory insurance for all motor vehicles used in traffic. In the event of an accident, motor liability insurance covers all personal injuries incurred by all parties and any property damage to the innocent party. Motor liability insurance does not cover damage to the vehicle or property of the guilty party.

If you want to cover your vehicle against vandalism, theft, animal collision or parking damage, for instance, you can take out voluntary comprehensive motor vehicle insurance for your vehicle in addition to motor liability insurance.
Initial bonus 40 % | Maximum bonus 80% | Quick bonus development | Bonus cover | The same motor liability insurance bonus for the primary and secondary car | Deductible €0 | Pohjola Claim Help at your service 24/7
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Motor liability insurance bonus

Motor liability insurance bonus is a reward system, rewarding safe driving with a high bonus earning with a discount on your premium. The motor liability insurance bonus is determined on the basis of your driving and claims history. As a new driver and a customer of Pohjola Insurance, you will get up to 40% bonus for your motor liability insurance to begin with.

Here is how you earn motor liability insurance bonus:

When you take out motor liability insurance for your vehicle, the bonus is determined in accordance with your driving and claims history. If this concerns your first instance of having motor liability insurance, the insurance bonus is 40%, while a 80% maximum bonus is immediately available for more experienced drivers. 

A full insurance period of driving, without a claim for damage to be indemnified by your motor liability insurance, earns you a higher motor liability insurance bonus for the following insurance period. For example, if you are a new driver, the motor liability insurance bonus of your vehicle will develop as follows:

• Motor liability insurance bonus after the 1st insurance period 53%

• Motor liability insurance bonus after the 2nd insurance period 64%

• Motor liability insurance bonus after the 3rd insurance period 70%

• Motor liability insurance bonus after the 4th insurance period 76%

• Motor liability insurance bonus after the 5th insurance period 80%

Retaining motor liability insurance bonus in the event of an accident 

The motor liability insurance bonus will increase from one insurance period to another towards the maximum bonus if no accident compensated from motor liability insurance occurs during the insurance period.

If an accident occurs, the motor liability insurance bonus will drop for the next insurance period. The bonus you have during the next insurance period depends on how many accidents leading to a claim for damage to be indemnified by your motor liability insurance you cause during the insurance period. If the bonus of your motor liability insurance is 80%, for example, and you get into one accident compensated from your motor liability insurance, your bonus for the next insurance period will be 70%. 

Bonus cover protects against bonus loss

You will receive bonus cover for your motor liability insurance after having driven two insurance periods with the 80% maximum bonus. Thanks to the bonus cover, a single road accident coverable under motor liability insurance during an insurance period will not reduce the motor liability insurance bonus that you have earned.

Price of motor liability insurance

Looking for the most affordable motor liability insurance? The price of the motor liability insurance is based on an insurance bonus earned on the basis of your driving and claims history as well as other factors affecting the pricing of vehicle insurance. Pricing factors affecting the price of the motor liability insurance include the driver’s age and the make and model of the insured vehicle.  

You can easily determine the price of Pohjola Insurance’s motor liability insurance at op.fi. Select the vehicle to be insured and enter the requested basic details. We will then calculate your personal bonus level and show the price of the motor liability insurance. 

Please note that the price of your vehicle’s insurance also depends on whether you also take out voluntary comprehensive motor vehicle insurance for your vehicle, in addition to the motor liability insurance. Although only securing your vehicle with motor liability insurance can be the most affordable alternative, note that it will not cover your vehicle against costs caused by vandalism, theft or driving off the road, for example.  

Our motor liability insurance rewards you for safety. Dy driving safely, you will receive a very competitive bonus percentage for motor liability insurance for all of your insured cars or motorcycles, which shows in the total price of vehicle insurance premiums.

Jukka Nykänen Insurance Manager, Pohjola Insurance

Comparing motor liability insurance policies – pay attention to these:

Comparing motor liability insurance policies is usually simple, as no matter the insurance provider, the policy is required by law and always covers all bodily injuries as well as property damage suffered by the party not at fault in traffic accidents. The deductible in motor liability insurance is €0 regardless of the insurer. There are thus no appreciable differences in insurance cover when comparing different motor liability insurance policies.

Despite this, comparing motor liability insurance policies is possible and useful, as depending on the insurance provider, there are differences in bonus systems that affect the price of the insurance. To compare motor liability insurance policies, you can pay attention to the following insurance features:

  • Initial bonus of motor liability insurance
  • Maximum bonus of motor liability insurance
  • Development of motor liability insurance bonus
  • Inclusion of bonus cover in motor liability insurance and when bonus cover is activated.
  • Price of motor liability insurance

Pohjola Insurance’s old and new motor liability insurance

Pohjola Insurance’s motor liability insurance has been revised. The motor liability insurance for cars was revised on 1 April 2020 and that for motorcycles on 1 April 2018. The above information concerns the new motor liability insurance for cars now available for purchase. 

If you protected your vehicle with a motor liability insurance from us before the revision of the motor liability insurance, you can easily update the policy online.

When you buy a new motor liability insurance policy for your vehicle, the old contract is terminated, and the new motor liability insurance enters into force.

Motor liability insurance abroad

Your motor liability insurance must be in force if you intend to drive abroad. You can order a Green Card for your vehicle through the op.fi service, which will serve as certificate of a valid motor liability insurance abroad.

You can drive a vehicle in the Nordic countries without a Green Card, provided that your vehicle has Finnish licence plates. The Green Card is not mandatory within the EU or EEA either.

Motor liability insurance and households with several vehicles

With the revised motor liability insurance, you will receive the same bonus, in accordance with your accumulated insurance and claims history, for all cars or motorcycles you have insured. Therefore, if you have accumulated an 80% maximum bonus for one car, you will immediately receive the same maximum bonus from your new secondary car. 

Retaining motor liability insurance bonus for the primary and secondary car in case of accident

Any loss caused by one car or motorcycle you are driving only affects the bonus of the motor liability insurance of that vehicle from the beginning of the following insurance period. The loss does not directly affect valid insurance policies of other cars or motorcycles. Instead, the effect of the loss event is realised only after you obtain a new vehicle. 

Naiset ajavat autovakuutuksella turvattua henkilöautoa
Motor liability insurance for passenger cars
Mies huoltaa moottoripyörää
Motor liability insurance for motorcycles
Vuodenaikahinnoiteltu mopon ja mopoauton vakuutus on voimassa ympäri vuoden.
Motor liability insurance for mopeds

I have an old motor liability insurance. Is the new motor liability insurance cheaper?

The new motor liability insurance takes both your personal insurance and claims history and new pricing factors into account when your bonus level and pricing is being determined. Because the price of the insurance is tied to the background of the driver, the total price of the insurance cannot automatically be determined as cheaper or more expensive than the current motor liability insurance.

Major differences in the prices of the insurances come in situations where one household has several vehicles. With the new motor liability insurance you will get the same bonus for all of the cars you are using, which could have a significant effect on the total price of the insurances on your vehicles.

Go to our online store and make sure that you are not paying too much for your insurances. You can see the price of the insurance once you have entered the information of your vehicle.

Will there be changes to the coverage of motor liability insurances?

No, there will not. The mandatory motor liability insurance will continue to compensate for personal injuries caused by road accidents, and property damage to an innocent party. You will still need a comprehensive motor vehicle insurance for your car if you want cover for, for example, vandalism or collisions.

There are a variety of motor liability insurances to choose from. Is Pohjola Insurance’s motor liability insurance the best solution for me?

The reform of the Motor Liability Insurance Act in the beginning of the year has brought to the market a record number of different new motor liability insurances for cars. There are also a lot of differences between the motor liability insurances and finding the best solution may feel challenging.

Pohjola Insurance’s motor liability insurance’s high 40 % initial bonus, quick bonus development and the high 80 % maximum bonus guarantee that you will make a good deal. If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on your insurances and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. Owner-customers also earn OP bonuses, which can be used to pay banking service charges and insurance premiums.

As a customer of Pohjola Insurance you will also get to utilise Pohjola Repair Coordinator services for motor vehicle damages. Pohjola Insurance's repair coordinator takes care of matters related to your car's repair and loss report at the repair shop.

We have more than one car in our household. What changes will the new motor liability insurance bring to a household with more than one vehicle?

With the new motor liability insurance you will receive the same bonus, according to your insurance and claims history, for all cars you have insured. Thus, you can receive an excellent bonus percentage with your safe driving style, which shows in the total sum of your insurance premiums.

Any loss caused by one car you are driving only affects the motor liability insurance of that car from the beginning of the following insurance period. A loss does not directly affect valid insurance policies of other cars. Instead, the loss event’s effect on other vehicles only realises when you get a new vehicle.

It is a good idea for every driver to generate their personal bonus and claims history. We offer new drivers an excellent 40 % initial bonus and the bonus level can be raised to 64 % after just three no-claims insurance periods.

 

I am planning on buying a first moped for my child. Does motor liability insurance for mopeds also have a starting bonus of 40% and a maximum bonus of 80%?

Motor liability insurance is mandatory for road going cars, mopeds, light quadricycles and all-terrain vehicles.

However, not all vehicles earn a no-claims bonus from motor liability insurance. In motor liability insurance, no-claims bonus is not granted for light quadricycles, mopeds, quad bikes, snowmobiles, campervans, light trailers, unregistered motorcycles or tractors. Therefore, mopeds do not earn a non-claims bonus from motor liability insurance. See below for more information on moped insurance and other vehicles with a motor liability insurance without a no-claims bonus.

The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.