Motor liability insurance for passenger carsHigh initial bonus, quick bonus development and excellent cover. Available online only in Finnish or Swedish.
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Motor liability insurance with a generous bonus
Initial bonus 40% and maximum bonus 80%. You will receive bonus cover protecting against loss of no-claims bonus once two years without claims have elapsed at the maximum bonus.
Same bonus for primary and secondary car
All cars insured by you receive the same motor liability insurance bonus based on your personal insurance and claims history.
As an owner-customer, you will get a discount on your policies and also receive OP bonuses.
The new motor liability insurance for passenger cars is an excellent ensemble
A high initial bonus, quick bonus development and excellent bonus cover make our new motor liability insurance for cars an excellent package. The motor liability insurance rewards safe driving, and no-claims driving earns you significant benefits for your vehicle insurance. Two years at the maximum bonus earns you bonus cover, which means that a single road accident coverable under motor liability insurance will not reduce your high bonus.
The new motor liability insurance bonus is not vehicle specific either. As a policyholder, you can therefore receive the same bonus both for your primary car and your secondary vehicle based on your personal insurance and claims history.
Motor liability insurance bonus in a nutshell:
• Initial bonus up to 40%. Maximum bonus 80%.
• The bonus rises from the initial level to 64% in three years.
• Bonus cover protects against loss of no-claims bonus in the case of loss or damage.
• The same motor liability insurance bonus is provided for all cars insured by you.
Should an accident occur, motor liability insurance indemnifies
Motor liability insurance is mandatory for all cars and other motor vehicles used in traffic. In the event of a traffic accident, motor liability insurance covers all personal injuries and property damage to the party deemed innocent. Motor liability insurance does not cover damage to the vehicle or property of the guilty party.
Your car will be optimally covered if you purchase comprehensive motor vehicle insurance in addition to motor liability insurance. Remember, therefore, to update your comprehensive motor vehicle insurance when you cover your car under motor liability insurance.What is comprehensive motor vehicle insurance and what does it cover?
OP granted me bonus cover right away, so that now one claim will not reduce my 80% bonus for motor liability insurance.
Renew your old motor liability insurance
The new motor liability insurance has been available as of June 2017. If you have valid motor liability insurance with OP, your old motor liability insurance policy has not been automatically changed to the new insurance.
You can purchase the new motor liability insurance from our online shop, in which case your old contract will end and the new motor liability insurance will enter into force. When updating your motor liability insurance, do not forget to update your comprehensive motor vehicle insurance. This will provide you with the same insurance period for the motor vehicle insurance and the comprehensive motor vehicle insurance and enable you to follow the same payment schedule.
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 OP 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.
OP 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 OP Insurance you will also get to utilise OP Repair Coordinator services for motor vehicle damages. OP'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.