YTK-Yhdistyksen vakuutusedut

YTK Association’s insurance discounts

Cover for members of YTK Association

Read about the discounts and ask for an offer

Read about YTK Association’s member discounts and ask for an insurance offer.


Include your union and membership number

In the offer request, state that you are member of the YTK Association and your membership number.


Owner-customer benefits

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

YTK Association’s members get up to 20% off from insurances for home and family

As an YTK Association member, you can get discounts on your new home and family insurance policies for up to three years. Your family members may also be covered by the insurance policies. Insurance for home and family includes home insurance, continuous travel insurance, valuables insurance, small boat insurance, living allowance insurance, legal expenses insurance and general liability insurance.

1st year: -20 %; 2nd year: -15 %; 3rd year: -5 %
Pohjola Claim Help 24/7

Comprehensive motor vehicle insurance for one year –20 %

Comprehensive motor vehicle insurance is an optional car insurance policy. You will be compensated against various panelling and glass losses and can be sure to receive help quickly.

As a member of YTK Association, you get 20 % off your car’s comprehensive motor vehicle insurance premiums during the first 12 months. This applies to a new Super Motor Insurance and Standard Motor Insurance for a car or van in private use, and a new Maxi Motor Insurance policy for a campervan or caravan. After the discounted year, the insurance policy will continue at normal price.

The OP Light Entrepreneurship benefit and other services for entrepreneurs

OP Light Entrepreneurship offers all YTK Association members free invoicing for up to EUR 2000 (VAT 0%), after which the fee will be 5% of the VAT-free invoicing.

In addition, we provide services that make entrepreneurs’ hectic everyday life easier and support the company's business. These include OP Business mobile, a service that goes wherever you go, as well as services related to business risk management.

As an YTK member, you are entitled to discounts on your home and family insurance policies as follows:

1st year:-20%
2nd year: -15%
3rd year: -5%

Home insurance
Our home insurance conveniently provides coverage for your home and home contents on a single policy. Home insurance protects your home and holiday home, as well as their contents, from burglary, fire and sudden damage due to leakage, for example. The insurance also provides the home insurance required for rented homes.

Travel insurance
Our travel insurance consists of traveller's insurance and luggage insurance. Traveller’s insurance provides cover for accidents that occur and illnesses you contract during travel. Luggage Insurance covers your luggage anywhere in the world. Moreover, travel insurance covers travel cancellations and interruptions as well as missed and delayed departures.

Valuables insurance
Our valuables insurance covers items you carry outside your home. Such valuables include, for example, expensive musical instruments, cameras, lenses, watches and jewellery. Valuables insurance is valid throughout the world, covering your valuable property wherever you go.

Small boat insurance
Boat insurance provides comprehensive cover for your small boat for accidents or damage occurring afloat or in the harbour. The insurance covers your boat for damage caused by collision, storm or vandalism, as well as for damage during transportation or when docking. In addition, boat insurance always includes a liability and legal expenses insurance, in which those insured include the boat owner, holder and driver.

Living allowance insurance
Living allowance insurance provides financial coverage for you and those close to you if you are injured or die accidentally. The policy is also valid when you travel or do sports.

Legal expenses insurance and general liability insurance

You may inadvertently cause another person a loss for which you are liable. Through no fault of your own, you may also find yourself in a situation where you need legal aid defend your rights. The insurance also applies to your family members living in the same household.

We provide services that make entrepreneurs’ everyday life easier and support the company's business. We recommend the following services for entrepreneurs:

Risk management services

Business operations always involve risks. The better you are aware of your company's potential business risks, the better you can manage them and protect yourself against risks in advance through appropriate measures.

When we identify your company’s risks, we can help you to minimise the detrimental effects of risks and make use of the possibilities to take worthy risks.

OP Business mobile

Manage your company’s insurances and banking conveniently online. If you download OP Business mobile, you can also manage your transactions on a mobile device regardless of time or place. OP Business mobile includes the basic banking services for your company. You can also use a mobile invoicing service that supports your customer and product management. You can monitor your company's invoicing details and deliver invoices to your customers the way you want.

Service numbers for entrepreneurs

As an entrepreneur, you will get assistance in all your insurance matters on 0303 0303 (option 3, weekdays from 8 am to 10 pm). The same number provides support for matters related to Ilmarinen’s employee pensions. In insurance matters, you can also be in contact by email:

If you have any questions related to your banking transactions, savings or investments, you can contact your local OP cooperative bank or call corporate services on 0100 05151 (weekdays from 8 am to 6 pm).

Pohjola Claim Help and Pohjola Hospital

Help is near in the event of an accident. You can find comprehensive instructions for loss events from the Pohjola Claim Help service. By entering the loss or injury you have suffered, you will receive instructions on how to get help as quickly as possible. If you are injured or fall ill, you can use the services of Pohjola Hospital to receive prompt and professional assistance. Pohjola Hospital provides devoted care and ensures that you can return to your everyday life as soon as possible.

OP Light Entrepreneurship is a fully digital accounting firm
•    Creating a business ID
•    Billing and invoicing
•    Cash accounting
•    Tax returns
•    Settlement of VAT and advance tax to Vero
•    YEL
•    Entrepreneur’s voluntary insurance policies
•    A fee of 5 % of the entrepreneur’s invoicing

In the event of an accident or injury, it is important that you get help as quickly as possible. This ensures that you can return to your everyday life as quickly as possible.

Pohjola Claim Help provides simple instructions in the event of loss, injury or damage and in finding our nearest partner, whether you have fallen ill, have broken your mobile phone or have been involved in a car accident. As an OP customer, you can also file a loss report via the OP mobile application as soon as the accident or injury has occurred. The quick instructions provided by Pohjola Claim and being able to file an immediate loss report make it easier to cope with unpleasant and unexpected accidents and losses.

Life insurance is granted by OP Life Assurance Company Ltd. The other insurance policies are granted by Pohjola Insurance Ltd. The OP Light Entrepreneurship service is provided by Pivo Wallet Oy.