Museum vehicle insuranceComprehensive 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.
Help at a low deductible
A comprehensive museum vehicle insurance carries a deductible of only 150 euros.
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.
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.
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.
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.
If you are our owner-customer and have policies from three product lines, you are entitled to an almost 10% discount on most policies and a discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. If you are aged between 18 and 27, you can get a 21% discount on almost all home and family insurance policies.
- A 40% increase in the sum insured under life insurance
- 200-euro benefit of the deductible under MyHome Insurance
- one-year, free-of-charge life insurance for parents with a child under one year of age
Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for
- savings and investments
- funds in accounts
- purchases you have paid with OP-Visa credit.
OP bonuses are used for the bank’s service charges and insurance premiums.
The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.