Moottorikelkan vakuutus tuo turvaa sinulle ja kelkallesi.

Snowmobile insurance

Motor liability insurance and comprehensive motor vehicle insurance for you and your snowmobile

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Try again soon or buy insurance by contacting customer service by calling +358 10 253 1333 (Mon‒Fri 9–16).


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Quick and easy

Insuring your snowmobile and registering it are both easy to do online at the same time.


Cover for snowmobile throughout the year

Seasonally rated insurance is valid throughout the year, with the premium automatically lower than in winter.


Owner-customer benefits

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

Enjoy your snowmobile at your leisure

It is easier to enjoy your snowmobile when you do not have to worry about its insurance. A snowmobile’s motor liability insurance and comprehensive motor vehicle insurance are valid throughout the year, so you can start the engine whenever you like. The premiums of seasonally rated insurance policies are automatically lower in the summer than in the winter.

A snowmobile’s statutory motor liability insurance covers any of the driver’s or passengers’ personal injuries and any losses caused to an innocent adverse party. To prepare for any damage to your own snowmobile, you should take out comprehensive motor vehicle insurance.

A snowmobile’s comprehensive motor vehicle insurance also covers your helmet.
Jokainen moottorikelkka tarvitsee liikennevakuutuksen, jota voit täydentää kaskolla.

Snowmobile insurance covers collisions and theft

You can insure your snowmobile with either Maxi Motor Insurance or Medium Motor Insurance. Maxi Motor Insurance is a comprehensive insurance for a snowmobile, covering, for example, collisions, theft and vandalism.

Medium Motor Insurance is a more inexpensive option if you want your snowmobile insurance to cover, for example, theft and fire losses. This means that you will have to pay for any losses caused by collisions and vandalism yourself.

It’s so easy! My snowmobile insurance is seasonally rated, so I can hop on my snowmobile as soon as the winter arrives!

Sami Kajaani

Snowmobile insurance premiums follow the seasons

Snowmobile insurance is valid throughout the year and priced according to the seasons, the premiums being lower during the summer months than in the winter. This is our way of adjusting the pricing, because snowmobiles are mainly used in the winter. However, comprehensive motor vehicle insurance is important to a snowmobile also in the summer, because it covers, for example, theft and fires also then.

Thanks to the seasonal rating, you do not have to decommission your snowmobile for the summer months. And you can hop on your snowmobile as soon as the weather permits, because the insurance is always valid. If you know that you will not use the snowmobile at all during the following winter, you can decommission it and get a refund on the premiums.

Mies, auto ja autovakuutus
Car insurance for passenger cars
Nainen nauraa terveysvakuutuksen turvin
Health insurance for an adult

You can reduce the probability of accidents by being careful and following the safety regulations.

When not in use, a snowmobile should always be locked or kept inside a locked space. A snowmobile is properly locked when the keys are out of the ignition and the steering lock or the immobiliser is activated. In the absence of such devices, the snowmobile must be locked with a brake lever lock, chain lock or wire lock to prevent unauthorised use.

Owner-customer benefits

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.

Other benefits

  • 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

OP bonuses

Owner-members not only get OP bonuses for home, family and vehicle insurance premiums, but also for

  • loans
  • 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.

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