Museoajoneuvo kannattaa vakuuttaa huolella.

Museum vehicle insurance

Comprehensive cover for museum cars and other museum vehicles

Premium based on use

Museum cars are not used every day – and this has been taken into account in the pricing.


Extensive Museum Vehicle Insurance – our best cover for museum vehicles

By taking out Extensive Museum Vehicle Insurance, you can protect your museum vehicle against accident, collision, vandalism, theft and fire.


Owner-customer benefits

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

Insurance for museum cars and motorcycles

Carefully maintained museum cars, motorcycles and other museum vehicles should be insured for their true value. Once a vehicle has been registered as a museum vehicle, you can insure your museum vehicle with motor liability insurance and museum vehicle insurance by contacting our customer service.

A museum vehicle must be at least 30 years old and registered as such. Museum cars, museum motorcycles or other museum vehicles have no bonuses.

A museum vehicle is used in traffic for a maximum of 30 days per year.
Museoajoneuvon vakuutus sopii esimerkiksi museoautoille.

Museum vehicle insurance covers collisions and theft

Museum vehicle insurance covers loss or damage to your own vehicle. We recommend that you take out extensive museum vehicle insurance for museum cars and other museum vehicles. This covers collisions, theft, fire and vandalism. Extensive museum vehicle insurance also compensates towing and any costs caused by continuing the journey following the vehicle’s fault of damage.

If you wish, you can choose limited museum vehicle insurance for your museum car or other museum vehicle, but this means that you will have to pay for any costs caused by collisions.

The purchase and renovation of hobby and museum vehicles has often required a lot of money and time, and this is why you should get proper insurance for it.

Teuvo Kaipainen Product Specialist, Pohjola Insurance

Museum car insurance is available from our customer service

If you want to insure you museum vehicle, please contact our customer service. The insurance premium of a museum car, museum motorcycle or other museum vehicle depends on the vehicle’s value. It is also affected by the extent of coverage chosen.

In order for us to insure your museum car or other museum vehicle, we not only need its details but also photographs of it. You should take four photos of a car: the left side from in from of the car, the right side from the back of the car, the interior seen from the driver’s opened door, and the engine with the bonnet up. Two photos are enough of motorcycles and other two-wheeled vehicles: one from either side.

Harrasteajoneuvon vakuutus sopii sekä harrasteautoille että -moottoripyörille.
Hobby vehicle insurance
Mies, auto ja autovakuutus
Car insurance for passenger cars

Collision cover provides compensation for damage caused to the vehicle in a sudden external event.

Theft cover provides compensation for burglary into a locked vehicle or its unauthorised use. Receiving compensation requires reporting the offence to the police

Animal collision cover compensates collisions with a deer or other animal.

Fire cover provides compensation if, for example, an electric short circuit sets the vehicle on fire.

Vandalism cover provides compensation if an outsider vandalises your vehicle.

Legal expenses cover compensates reasonable legal expenses in a disputed civil or criminal case or non-contentious civil case related to the motor vehicle.

Emergency road service cover provides compensation for costs of repairing, towing or pulling the vehicle back on the road and other costs.

International third-party motor liability insurance provides compensation if the road accident occurs in a non-EEA country included in the Green Card agreement and if you, as the guilty party, are personally liable to pay an indemnity surpassing that to be paid from motor liability insurance under the laws of the country in question.

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 250 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.