Motorcycle insuranceInsurance for motorcycling. Available online only in Finnish or Swedish.
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A new, more rewarding bonus
A higher initial bonus for new motorists. More experienced riders get a maximum bonus of up to 80% and bonus cover against bonus reduction.
Deductible only 150 euros
The deductible for our motorcycle insurance is the lowest in the market.
As an owner-customer, you will get a discount on your policies and also receive OP bonuses.
Motorcycle insurance discount for prime customers
When you are a Pohjola Insurance prime customer, you receive a discount on our motorcycle insurance. Learn more about the discounts and benefits of our prime customers and request an offer of multiple insurances conveniently online.
Motorcycle insurance will provide cover for both your and your motorcycle
You must take out motor liability insurance for your motorcycle, but we also recommend comprehensive motor vehicle insurance, because it compensates damage caused to your motorcycle. There are several types of comprehensive motor vehicle insurance to choose from. Whether you have a motorcycle or a light motorcycle, you should think which is the best insurance just for you.
Both Maxi Motor Insurance and Medium Motor Insurance, for example, compensate for motorcycle theft. Maxi Motor Insurance, which compensates collisions, can also be expanded to include instances where an unknown party damages your parked motorcycle. The new motorcycle insurance and light motorcycle insurance give you the option of getting vandalism cover as part of Medium Motor Insurance.
The best motorcycle insurance for those who value flexibility
Do you want to hop on your motorbike as soon as possible in the spring? A flexible round-the-year motorcycle insurance policy allows you to enjoy the thrill of motorcycles whenever you want. If you know that you will not be using your bike much, you can also make an off-road registration for the summer months. Any off-road registration of a continuous 30 days or more entitles you to a premium refund.
Or are you planning to go abroad on your motorbike? When you have a Green Card, you can ride on without a worry. With a Green Card you can prove that your motor liability insurance is valid almost anywhere in Europe and in Russia, for example.
The best feeling is when you push your bike out of winter storage onto dry tarmac. When your motorcycle insurance is valid round the year, you can take your first ride whenever the weather is ok.
Seasonal rating saves time and money
A motorcycle’s motor liability insurance and comprehensive motor vehicle insurance have been priced on the basis of the seasons, so there is no reason to decommission the motorbike or to terminate the comprehensive motor vehicle insurance for money reasons. The motorcycle or light motorcycle insurance is always valid, but the lower prices of the winter months are adjusted on the assumption that you are unlikely to use it then.
A year-round motorcycle or light motorcycle insurance saves you the trouble of decommissioning the motorbike although you will not use it in the winter. If for some reason you know that you cannot use your motorbike the entire summer, you can nevertheless decommission it and get a refund on the premiums.
Question: How much does motorcycle insurance cost?
Prices vary, depending on the bike to be insured, and the biker. The price of an insurance policy for a motorcycle or a light motorcycle depends on, among other factors, the make, model and age of the vehicle, and on the covers you have chosen. Your motorcycle insurance premium also depends on the motor liability insurance and comprehensive motor vehicle insurance bonuses you have accrued as a motorist. Bonuses reward excellent motorists with a reduction in the motorcycle insurance premium, which means that by driving safely and without causing damage, you can reduce the cost of your motorcycle insurance for the next insurance period.
The cheapest motorcycle insurance is not necessarily the best motorcycle insurance
If you opt to take out only mandatory motor liability insurance, your motor vehicle insurance premium will be lower, but this means that your motorcycle will not be insured against animal collision, technical failure or vandalism, for example. This means that the cheapest motor vehicle insurance may not be the best option when something actually goes wrong. When comparing the prices for motorcycle insurance policies you should bear in mind that there are differences between policies regarding coverage and the services available in case of loss - does the cheapest motorcycle insurance meet your demands during both the season and the off-season period. Enter the information on your motorcycle in the calculator to see the prices of policies and the covers we recommend for your motorcycle.
A motorcycle’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 for a motorcycle is at least 40%, with 80% the maximum. Bonus percentages you have achieved can also be used for any other motorcycle you have insured with us.
We offer you the maximum 70% bonus for Maxi Motor Insurance from the start. The comprehensive motor vehicle insurance bonus reduces the premium for collision cover, and any claims made under it will reduce the bonus. Please note that in order for the bonus to increase, the motorcycle must be used in traffic for at least 90 days during the insurance period.
Insurance and claims history certificate
If you need you a certificate of your vehicles’ insurance and claims history, you can order it from the Finnish Motor Insurers' Centre. You can prove your claims history to a foreign insurance company.
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 200 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.