Being an OP cooperative bank owner-customer is a good idea: you will receive insurance policies that secure your life at a lower cast thanks to discounts and OP bonuses to which you are entitled.
- Lower insurance premiums thanks to OP bonuses
- Up to 250-euro deductible benefit for home insurance
- Free 50% increase in the sum insured of your life insurance
Lower insurance premiums thanks to OP bonuses
When you are an owner-customer, OP bonuses that you have accumulated will be used to pay your insurance premiums. Bonuses are earned from OP cooperative bank home loans, mutual funds and funds in savings accounts, for example.
You will get 30% more OP bonuses in 2023. In 2024, OP bonuses will be more generous – even above 40% more than normal.
Up to 250-euro deductible benefit for home insurance
As an owner-customer, you get a deductible benefit of up to 250 euros on Pohjola Home Insurance.
Your deductible is waived or reduced when your property suffers damage covered under Pohjola Home Insurance due to fire, natural phenomena or theft, and the compensation paid exceeds the deductible you selected.
The benefit also applies to family members living in the same household, if you are an OP cooperative bank owner-customer.
Free 50% increase in the sum insured of your life insurance
As an OP cooperative bank owner-customer, you get a free 50 % increase in the sum insured under life insurance.
Life insurance will help your loved ones financially if you die due to an illness or injury. In such a case, we will pay your beneficiaries 50 % higher compensation.
The percentage increase will be confirmed annually and be effective for one year at a time.
As an owner-customer, you also always get the following benefits
- A 2.5% discount when paying your insurance bill in one instalment
- Free NewLife insurance for parents of children under the age of 1
- A permanent 5% discount on life insurance purchased online
- Separately purchased continuous travel insurance valid until you reach the age of 100
All owner-customer benefits will be available to you from the moment you join. You can easily check whether you are already an owner-customer.
By also becoming a Pohjola Insurance prime customer, you get access to even more benefits
As a Pohjola Insurance prime customer, you get a 7% discount on almost all home and family policies. If you are between 18 and 27 years of age, a 21% discount on the above types of insurance.
If you are both an OP cooperative bank owner-customer and a Pohjola prime customer, you get an additional 3% discount on insurance premiums. Depending on your age, your total discount on insurance for home and family can be 10% or up to 24%.