As an OP-Visa cardholder, your card automatically includes Purchase Protection Insurance which will terminate on 31 December 2017. You can file a claim under Purchase Protection Insurance after its termination too, if you have made your purchase before 2018 and the Purchase Protection Insurance terms and conditions are otherwise fulfilled.
> Take a closer look at the Purchase Protection Insurance product description
> Take a closer look at the Purchase Protection Insurance terms and conditions
As an owner-customer, you will automatically receive Product Protection Insurance as of 1 January 2018 instead of Purchase Protection Insurance.
Product Protection Insurance is a more comprehensive policy for owner-customers because it covers not only credit transactions but also debit transactions for 180 days of the date of purchase. It is valid for purchases made with owner-customers' OP-Visa Credit/Debit combination cards (i.e. OP-Visa, OP-Visa Gold or OP-Visa Platinum) and OP-Mastercard Credit cards. The insurance also covers any joint cards linked to an owner-customer's card.
The deductible for Product Protection Insurance is 75 euros.
Product Protection Insurance is issued by Pohjola Insurance Ltd.
> Read more about Product Protection Insurance
> Take a closer look at the Product Protection Insurance product description (pdf)
> Take a closer look at the Product Protection Insurance terms and conditions (pdf)
Travel Cancellation Cover included in OP-Visa Gold
A unique Travel Cancellation Cover is automatically included in the card. After you have paid for your journey abroad, accommodation or a service relating to your journey – such as concert tickets or an excursion – using your card as a credit card, you can cancel your journey for any reason, due to a job-related obstacle, for example.
Travel Cancellation Cover also covers a cancelled journey abroad for all your family if the journey has been paid using the card as a credit card. This amount accounts for 75% the price of the journey, accommodation and other services.