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Welcome, new Pohjola Insurance prime customer!

As a prime customer, you will receive substantial benefits for most of your policies

Biggest discounts when buying all policies from Pohjola Insurance

As a Pohjola Insurance prime customer and OP cooperative banks' owner-customer, you will get up to 10% discount on your insurance policies and a €250 deductible benefit on your home insurance. The bonuses you have received as an owner-customer are also used for your insurance premiums.

Benefits for young people aged 18–27 years

We offer young prime customers a discount of up to 21% on almost all everyday insurance policies.

Discounts on your insurance policies for everyone in your household

Prime customer’s benefits apply to all members of your household! Have you already combined your household’s insurance policies? You can do this easily by logging in and contacting our customer service through a message on, for example.

Benefits and discounts depending on your customer relationship

As a prime customer of Pohjola Insurance, you are entitled to substantial benefits and discounts on your insurance policies. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts.
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How to combine your household’s insurance policies

By combining the insurance policies of your household’s members, you will receive prime customer’s benefits for all people living in your household. You can change financial details by contacting our Customer Service through a message on or OP mobile, or by phone. As an OP cooperative bank’s customer, you can also visit an OP cooperative bank branch. Sending a message on is easy:

1. Log into the service or through OP-Mobile.
2. Contact our Customer Service at Messages and tell them that you want to combine your household’s insurance policies into a single whole.
3. Customer Service will ask you to provide the necessary information on your household’s members and then combine your household’s insurance policies.

What is the difference between a Pohjola Insurance prime customer and OP cooperative bank owner-customer?

To become a Pohjola Insurance prime customer, you need to have insurance policies from three different categories. You are entitled to prime customer discounts even if you are not an OP banking customer.
As an OP cooperative bank owner-customer, you own a part of your local bank. You’ll receive benefits and discounts on both banking and insurance transactions, earn OP bonuses which are used on your insurance premiums, for example, and enjoy benefits offered by our partners.
You get the best benefits when you are both an insurance prime customer and an OP cooperative bank owner-customer.

You can check your exact personal discounts and benefits from your insurance invoice and policy document. If you want to check whether you are a prime customer, you can do it easily online. 

NewLife is a life insurance of 20,000 euros for parents of children under 12 months in the event of the parent’s death. This gives the surviving parent a better chance to carry on or to provide for the child’s education, for example.

We offer NewLife insurance to both parents separately for the next 12 months of the child’s life for free. After this, the insurance will continue automatically subject to a premium.

You can take out the policy soon after the baby is born until the child turns 1 year. The policy does not require completing a health declaration form. The insurance is issued by OP Life Assurance Company Ltd.

As an owner-customer, you get a free 40% increase in the sum insured under life insurance. The rate of the increase will be confirmed every year and is valid for one year at a time.

Life insurance will help your loved ones financially if you die due to illness or injury. When determining compensation, we will pay your beneficiaries compensation with a 40% increase. For example, if the benefit to be paid under life insurance is 20,000 euros, we will pay your beneficiaries 28,000 euros. You can take out life insurance either as single or joint cover with your loved one. The insurance is issued by OP Life Assurance Company Ltd.

If you are aged between 18 to 27, you also receive a 21% discount on nearly all home and family insurance policies when taking out insurance from three individual kategories. The offer applies to the following policies:
  • valuables insurance
  • home insurance
  • animal insurance
  • boat insurance
  • personal insurance
  • continuous traveller’s and luggage insurance
Please note that the discount does not apply to life assurance and disability insurance, vehicle insurance, and medical expenses insurance and Easy insurance packages no longer sold.
As an owner-customer, you earn OP bonuses from using our services. The bonuses are used to pay bank service fees and insurance bills, for example. Use the handy bonus calculator to see an estimate of the OP bonuses you earn.

As an OP cooperative bank owner-customer, you get a deductible benefit of up to 250 euros on MyHome Insurance.

Your deductible is waived or reduced when your property suffers damage covered under MyHome Insurance due to fire, natural phenomena or theft and the compensation paid exceeds the deductible you have selected.

For example, if a bicycle worth 600 euros is stolen and your deductible is 250 euros, you pay no deductible thanks to the deductible benefit. In the same situation, if your deductible is 500 euros, you pay just 250 euros (500 – 250) thanks to the deductible benefit.

Product Protection Insurance gives six-month protection for credit and debit purchases made with a credit card. Free Product Protection Insurance is included in all owner-customer OP-Visa, OP-Visa Gold, OP-Visa Platinum and OP-Mastercard cards. The insurance is also valid for joint cards when the principal cardholder is an owner-customer.

The insurance is issued by Pohjola Insurance Ltd. OP cooperative banks are acting as Pohjola Insurance Ltd’s representatives.