Mies ja lapsi autossa liikennevakuutus turvanaan

Motor liability insurance

Motor liability insurance is mandatory for all motor vehicles used in traffic. Get to know the motor liability insurance and insure your vehicle easily online.

Motor liability insurance covers

Motor liability insurance is a mandatory insurance for all motor vehicles, because when an accident happens, the motor liability insurance indemnifies for personal injuries of all parties. The motor liability insurance also indemnifies for damage caused to the vehicle of the innocent party. Motor liability insurance does not cover damage to the vehicle or property of the guilty party.

Whether you need a motor liability insurance for a car or a motorcycle, you can conveniently protect your vehicle online. Select your vehicle below, and get a motor liability insurance for it. Please note that you get the best cover for your car if you combine motor liability insurance with a comprehensive motor vehicle insurance covering damage incurred e.g. through vandalism, theft or parking accidents.

 

Motor liability insurance bonus

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

Accumulating motor liability insurance bonus

A full year 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 year. As a new driver, your bonus will be 64% after three years, and 70% after five years of claim-free driving. The maximum bonus of the motor liability insurance is 80 %.

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

The motor liability insurance rewards excellent drivers with high bonuses. For this reason, the motor liability insurance is not vehicle-specific, but you will have the same motor liability insurance bonus for all the cars, and, correspondingly, for all the motorcycles you insure, according to your insurance and claims history.

Therefore it is essential that the driver of the vehicle also is the policyholder. When young drivers take out insurance in their own name right from the start, they can immediately start accumulating personal motor liability insurance bonus. A good driver the earns maximum bonus as soon as possible.

Motor liability insurance bonus and accidents

If you cause an accident leading to a claim for damage to be indemnified by your motor liability insurance, this will lower your motor liability insurance bonus. 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 your motor liability insurance bonus is e.g. 67%, and you cause one accident, your bonus drops to 53%. If you cause two accidents, your motor liability insurance bonus will drop to 10%. The table below shows you how the motor liability insurance bonus is accumulated, and how it changes after an accident.

Liikennevakuutuksen bonustaulukko

 

Motor liability insurance and bonus cover

As an excellent driver you can earn bonus cover. You will receive bonus cover 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.

Pohjola Insurance's motor liability insurance bonus in a nutshell

•    Excellent initial bonus, 40%, to new drivers.
•    Quick bonus development. Bonus at 64% after three years, and 70% after five years.
•    80% maximum bonus for excellent drivers.
•    You will receive the same motor liability insurance bonus for all the cars and/or motorcycles you insure.
•    Bonus cover after having driven two years with the maximum bonus.

Price of the motor liability insurance?

The motor liability insurance bonus and the price of the insurance policy is determined on the basis of the personal insurance and claims history of the driver and the other factors influencing the price of motor vehicle insurance policies.

The easiest way to get the price of a motor liability insurance policy is to give the particulars of your vehicle at our webshop; we calculate your personal bonus level and show you the price for your policy. Then you will be able to buy your motor liability insurance online.

Old motor liability insurance or new motor liability insurance

We have revised our motor liability insurance, and the information above is valid for the new motor liability insurance for cars and motorcycles. If you protected your vehicle with a motor liability insurance from Pohjola Insurance before the revision of the motor liability insurance, have you remembered to update the policy?

Schedule for the revision of motor liability insurance

•    The motor liability insurance for cars was revised on 1 June 2017
•    The motor liability insurance for motorcycles was revised on 1 April 2018

If you have not yet updated the motor liability insurance of your vehicle, you can conveniently do it 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.

Below you will find answers to frequently asked questions on the revision of motor liability insurance.

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.

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