Traktorin vakuutus korvaa esimerkiksi palon ja varkauden.

Tractor insurance

Cover for tractor in private use

Tractor insurance covers fire and theft

Medium Motor Insurance is an inexpensive tractor insurance covering theft, fire losses and any legal expenses.


Insurance policies for your tractor

We offer motor liability insurance and comprehensive motor vehicle insurance to tractors not in production use.


Owner-customer benefits

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

Insurance to cover the tractor and its driver

It is handy to have your own tractor if you have to shovel a lot of snow or transport firewood. Private individuals can insure a tractor that is not in production use. Tractors in private use can be used for clearing the snow off your yard, transporting your own firewood or for other private use.

Tractor insurance consists of motor liability insurance and, if you so choose, also comprehensive motor vehicle insurance. Motor liability insurance covers any of the driver’s or passengers’ personal injuries and their treatment and any losses caused to an innocent adverse party. To cover losses to your tractor, you should take out comprehensive motor vehicle insurance.

Tractor insurance can also be used to cover utility ATVs.
Traktorin vakuutus ja rekisteröinti on helppo hoitaa samalla kertaa.

Tractor insurance covers fire and theft

If your tractor is less than 50 years old, in addition to the motor liability insurance you can also take out Medium Motor Insurance. Medium Motor Insurance is an inexpensive tractor insurance covering theft, fire losses and any legal expenses.

You can buy Medium Motor Insurance also for a quad bike registered as a tractor. If you want to take out Maxi Motor Insurance for your tractor or utility ATV to also cover collision losses, please contact our customer service.

The worst tractor accidents happen when a tractor falls over and the driver is pinned underneath it.

Teuvo Kaipainen Product Specialist, Pohjola Insurance

Remember to lock your tractor and utility ATV whenever you are not using it

Whether a loss is big or small, it is always a nuisance. Reduce the risk of theft by always locking your tractor and keeping your utility ATV in a locked space. A tractor is considered to be properly locked when the keys are out of the ignition and the steering lock or the immobiliser is activated. If this is not possible, the vehicle must be locked with a brake lever lock, chain lock or wire lock, preventing unauthorised use.

If the tractor or utility ATV is nevertheless stolen, report it first thing to the police. Then inform us about the theft. A loss report is easiest to do online or in OP-mobile, which also reduces our time to reach a claim settlement decision.

Mies, auto ja autovakuutus
Car insurance for passenger cars
Nainen uimassa mökillä
Holiday home

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.