Pariskunta ajelulla iloisin mielin, kun autovakuutus on kunnossa

Car insurance

Calculate your premium and choose the best insurance for your passenger car.

SPECIAL OFFER

Get 20% off Pohjola car insurance when buying online

Get a discount of 20% on the first insurance period of new comprehensive motor vehicle insurance for a passenger car when buying the insurance online. The offer applies only to new comprehensive motor vehicle insurance policies and cannot be used for existing policies.

How do I get the online buyer discount?

Buy comprehensive motor vehicle insurance for a passenger car online to get a discount of 20% on the first insurance period. The offer is vehicle-specific and applies to new comprehensive motor vehicle insurance policies. The offer does not apply if:

you terminate and exchange the comprehensive motor vehicle insurance of a vehicle to another comprehensive motor vehicle insurance
repurchase the same policy
purchase new additional covers to your current comprehensive motor vehicle insurance.

We will check your eligibility for the discount after the purchase.

The online buyer discount applies to Super Motor, Standard Motor, and Medium Motor Insurance for passenger cars. The discount does not apply to vans, lorries or campervans, hobby or museum vehicles or vehicles registered for export.

In addition to the online buyer discount, possible owner-customer, prime customer, and mode of payment discounts apply. The offer cannot be combined with discounts other than those listed above.

The 20% discount for online buyers is valid until further notice.

Motor liability insurance with rapid bonus development

Motor liability insurance is required by law and covers personal injuries and property damage suffered by the innocent party. Motor liability insurance has a starting bonus of 40%, and you earn the maximum bonus of 80% in just five years.

Starting bonus of 70% for the collision cover of comprehensive motor vehicle insurance

Comprehensive motor vehicle insurance is a supplementary cover against collision, vandalism, windscreen damage, animal collisions and more. In case of a loss, our Pohjola Repair Advisors take care of the repairs and file the insurance claim on your behalf.

Looking for the most affordable car insurance? Lower price for loyal customers

When you are an owner-customer of an OP cooperative bank and have insurance from three different categories, you receive a discount of up 10% on the annual price of comprehensive motor vehicle insurance. You also earn OP bonuses that are used to cover insurance premiums.

Check your OP bonus points >

Calculate the premium

Pohjola Car Insurance – Cover tailored for your car

Pohjola Car Insurance offers excellent cover for your passenger car. Car insurance policies always include mandatory motor liability insurance. In the event of an accident, motor liability insurance covers all personal injuries and any property damage to the innocent party.

At its best, car insurance also includes voluntary comprehensive motor vehicle insurance. Comprehensive motor vehicle insurance covers loss and damage, such as vandalism, windscreen damage and collision damage, based on the types of cover you have chosen to include in your insurance policy.

Comprehensive motor vehicle insurance options for Pohjola Motor Vehicle Insurance include Medium Motor Insurance, Standard Motor Insurance and the most comprehensive Super Motor Insurance.

Price of motor vehicle insurance - How much does motor vehicle insurance cost?

The price depends on the type of vehicle, kilometres driven and type of comprehensive motor vehicle insurance you select. The price of motor vehicle insurance is always individual and is influenced by, for example:

The vehicle's details: Make, model, cylinder volume and age.
Your kilometres driven: Driving less during the year can mean a lower insurance premium.
Scope of insurance cover: For example, Super Motor Insurance provides the most extensive cover, while Medium Motor Insurance is a more affordable basic option.
Discounts: When buying a new comprehensive motor vehicle insurance for a passenger car in the online store, you receive a 20% online buyer discount on the first insurance period.

If you are an OP cooperative bank owner-customer, your OP bonuses are also used to cover insurance premiums. In 2025, you will receive 40% more OP bonuses compared to the normal level off 2022.

For an accurate estimate of the price, enter your vehicle's registration number in Pohjola Insurance's online store.

Is the cheapest motor vehicle insurance always the best?

The cheapest motor vehicle insurance may be suitable for older cars and those driving only occasionally, but a more extensive insurance can save money and effort in case of a loss. You can choose various additional coverages for the comprehensive insurance, such as:

Parking Cover, which compensates you if your parked vehicle is damaged by an unknown party.
Windscreen Cover, which compensates you for damage to the windscreen and other windows without loss of no-claims bonus.

Medium Motor Insurance is a more affordable option that may offer adequate cover if your vehicle is not highly valued, but we recommend choosing a more extensive option for new cars in daily use.

What is covered?

Traffic accidents are unfortunately common. Motor liability insurance covers property damage and personal injuries caused in traffic for which you are at fault as well as your own personal injuries. Comprehensive motor vehicle insurance covers damage to your own vehicle, such as the costs of repairs following a collision. Motor liability insurance and its compensations are determined by the Motor Liability Insurance Act and Decree.

The scope of comprehensive motor vehicle insurance influences what types of damage are covered by the insurance. Comprehensive motor vehicle insurance covers loss and damage, such as vandalism, windscreen and collision damage.

What losses are covered by each optional cover?

Select the broadness of car insurance(1/3)	Super Motor Insurance	Standard Motor Insurance	Medium Motor Insurance
An unknown third party collided with your parked car	Selectable
We will pay you a higher redemption amount if your vehicle is damaged too badly to justify repairs.	Selectable
You will get access to a replacement car if the damage is due to a technical fault or accident covered under comprehensive motor vehicle insurance	Selectable
Your car’s windscreen breaks, or an impact to the windscreen causes a crack can that can be repaired	Selectable	Selectable	Selectable
Your car is damaged due to a crash, collision or swerving off the road, for example	Kyllä	Kyllä
Your journey is interrupted due to a technical fault in the car or another reason, resulting in additional expenses for you	Kyllä	Kyllä	Selectable
Your car is scratched or otherwise intentionally vandalised	Kyllä	Kyllä	Selectable
You incur legal expenses in a dispute related to the car’s ownership, for example	Kyllä	Kyllä	Kyllä
Your locked car is broken into or an attempt is made to steal the car	Kyllä	Kyllä	Kyllä
You get into a collision with an elk, deer or other animal, damaging your car	Kyllä	Kyllä	Kyllä
Your car suffers fire damage due to a short circuit of electrical equipment, for example	Kyllä	Kyllä	Kyllä
Motor Liability Insurance Personal injuries and damage to the other party’s property caused by the collision	Kyllä	Kyllä	Kyllä

Insuring your car with Super Motor Insurance - the best cover for your car

If you want to ensure the best possible insurance cover and stay on the road whatever happens, we recommend Super Motor Insurance. Super Motor Insurance is a motor vehicle insurance that you can tailor to your needs with the following four types of optional cover:

1. Consequential Loss Cover

With Consequential Loss Cover, we will deliver a replacement car to the scene of loss, if necessary. Thanks to the replacement car, you can continue your life normally while your own car is being repaired.

2. Parking Cover

Parking Cover covers dents caused by an unknown party in a car park.

3. Windscreen Cover

With Windscreen Cover, your car’s broken windscreen or windows are replaced with no loss of no-claims bonus. If the windscreen or window is repaired, you pay no deductible. Windscreen Cover is also available as an option in other comprehensive motor vehicle insurance policies for passenger cars.

4. Super Salvage

Super Salvage offers a higher redemption amount, giving you a better price if your car is redeemed. There are two salvage options: redemption at replacement value or redemption at current value plus an increase of up to 30%. For detailed information on salvage cover and the terms, see the insurance terms and conditions for comprehensive motor vehicle insurance at the bottom of this page.

What kind of motor vehicle insurance suits me?

Each passenger car to be used in traffic requires a statutory motor liability insurance, which can be supplemented by a comprehensive motor vehicle insurance that suits you and your car. When selecting comprehensive motor vehicle insurance, you should account for the value and age of your car as well as the risks you want to be covered for.

We recommend you to take out Super Motor Insurance, if:

Your car is new or relatively new or 15 years old at most
You wish to insure you car as extensively as possible, e.g., against parking accidents, the windscreen breaking, or in the case of salvaging

We recommend Standard Motor Insurance, if:

The value of your car is EUR 15,000 at maximum and its age is 3–19 years
You wish to insure your car against collisions, travel interruptions and vandalism

We recommend Medium Motor Insurance, if:

Your car is 25 years old at most
Comprehensive motor vehicle insurance with basic cover, which secures you against animal collisions and theft, for example, is sufficient for you

Are you a new driver or are you seeking motor vehicle insurance for a young person?

Read more about the aspects that should be accounted for when selecting your first motor vehicle insurance.

Learn more about motor vehicle insurance and benefits for young persons

Pohjola Repair Advisor and Pohjola Claim Help at your assistance in case of a loss

The best motor vehicle insurance helps in the event of loss or damage. When you insure your car with Pohjola motor vehicle insurance including comprehensive motor vehicle insurance, the Pohjola Repair Advisor service will assist you free of charge. In the event of motor vehicle damage, you can take your car to the nearest Pohjola Repair Advisor shop. The Repair Advisor will fix your car and submit a loss report on your behalf. You will only have to pay for the possible deductible when visiting the repair shop and the Repair Advisor will charge Pohjola Insurance directly for the rest.

Pohjola Claim Help provides clear instruction for everything from what to do at the place of loss to filing a loss report and motor vehicle insurance coverage. Pohjola Claim Help also lists the contact details of our repair shop partners.

Read more about the Pohjola Claim Help service

We utilise an automated decision-making process in insurance decisions. Read more about automated decision-making

Product information and insurance terms and conditions

Car insurance product guide and terms and conditions

Right to use vehicle abroad, authorisation (pdf)

Deed of transfer of vehicle (pdf)

Frequently asked questions about motor vehicle insurance

How do I switch my motor vehicle insurance to Pohjola Insurance from another company?

You can easily switch your motor vehicle insurance to another insurance company any time – even in the middle of the insurance period. When you purchase a motor vehicle insurance policy from our online store, we will handle the switch for you and terminate your old insurance policy. When you are the owner or holder of the vehicle, we will also automatically forward the updated information to the Traficom Vehicular and Driver Data Register.

How are no-claims bonuses earned on motor vehicle insurance?

The motor vehicle insurance bonus is formed by combining the motor liability insurance bonus with the comprehensive motor vehicle insurance collision cover no-claims bonus. Motor liability insurance bonus is based on your personal insurance and claims history, which takes into account how long you have had vehicles insured under your name, as well as whether any insurance claims have been made for the vehicles.

A passenger car's motor liability insurance bonus will increase more quickly than previously, and decrease more moderately if an accident occurs. The motor liability insurance starting bonus is at least 40%, with 80% the maximum. Bonus percentages you have achieved can also be used for any other car you have.

You will always receive a full initial bonus of 70% for the collision cover of your comprehensive motor vehicle insurance. A claim compensated under Collision Cover will decrease the collision cover bonus by 10 percentage points. Claims filed for losses due to storm or hail, for example, will not reduce your bonus. After insurance periods with no claims, the bonus will increase by 10% a year. For more information on how motor vehicle insurance bonus is earned, see the motor vehicle insurance product guide.

Insurance and claims history certificate

If you need you a certificate of your vehicles’ insurance and claims history, you can order it from the Finnish Motor Insurers' Centre. You can prove your claims history to a foreign insurance company.

Order an insurance and claims history certificate

How can I compare different motor vehicle insurance options?

Are you considering comparing motor vehicle insurance policies? Get to know how you can take care of the comparison as easily as possible.

Read more about comparing motor vehicle insurance policies

What is the deductible for car insurance?

If you include comprehensive motor vehicle insurance in your Pohjola Motor Vehicle Insurance policy the deductible can be as low as EUR 200, which means you do not have to spend your own money in the event of loss or damage.

Can I get a discount on motor vehicle insurance?

As a Pohjola Insurance prime customer, you get a 7% discount on comprehensive motor vehicle insurance with a no-claims bonus. If you are also an OP cooperative bank owner-customer, you get an extra 3% discount on comprehensive motor vehicle insurance for a total discount of nearly 10%.

Learn more about prime customer membership and benefits

Where can I get insurance for my company's vehicles?

Insuring company vehicles is easy and convenient with the help of our experts. Our expert will provide you with further information on the content of insurance policies and the insurance solution best suited for your needs.

Learn more about insuring company vehicles
Request a quote for corporate motor vehicle insurance

Useful information about Pohjola Car Insurance

Explore our other vehicle insurance products

Information on motor vehicle insurance

Car registration online

The easiest way to register your car or motorcycle and to report a change of ownership is to do it online using a digital certificate. Here are our instructions for both insuring and registering your vehicle at the same time.

Mies seisoo mietteliään näköisenä ja pitää kiinni lippiksestään. Taustalla seisoo nainen auton vieressä.

New service for car sales

The OP Smart Contracts service allows you to safely conduct car sales, from creating a deed of sale to registering a new vehicle. Learn more!

Becoming an owner-customer and membership cooperative contribution

Becoming an owner-customer and member contribution

Your current customer relationship and any user ID in your use affects you becoming an owner-customer.

If you are an OP cooperative bank’s customer and have OP’s user ID, you can become an owner-customer by logging into the op.fi service. Become an owner-customer
If you are an OP cooperative bank’s customer but you do not have OP’s user ID, start by booking an appointment Book an appointment
If you are not an OP cooperative bank’s customer but you have another bank’s user identifiers and are interested in becoming an OP cooperative bank’s customer, become our customer online Become our customer digitally

Membership cooperative contribution

When joining us, you will pay an ordinary cooperative contribution as a one-time contribution, no other payments exist. In most banks, the amount of the membership cooperative contribution is 100 euros. You can find the amount of the membership cooperative contribution on the owner-customer application and in your OP cooperative bank.

If ever you decide to stop being an owner-customer, your membership contribution will be refunded to you in full. The cooperative contribution will be refunded after one year has lapsed from the end of the financial year during which the owner-customer membership was terminated.

However, OP cooperative banks have the right to refuse to refund the contributions according to the bank's rules. You can check the rules of the OP cooperative bank on the bank's op.fi page or in the head office.

Who can become an owner-customer?

Any person, entity or foundation using OP Financial Group’s services, irrespective of their nationality, can become an owner-customer.

Child as an owner-customer

A child can become an owner-customer. All guardians of the child sign together their underage child’s application for an owner-customer membership. By doing so, the parents also give their consent that their child will begin to earn OP bonuses.

If the membership contribution is paid using proceeds of the child’s own work, the child can him/herself sign the membership application and pay the membership contribution.

Termination of owner-customer relationship

Owner-customer terminates the membership

The owner-customer has, at any time, the right to terminate their owner-customer membership by informing their OP cooperative bank of this in writing. The owner-customer membership termination date is the date on which the OP cooperative bank has received the termination notice.

Death of owner-customer

An owner-customer membership will terminate on the death of the owner-customer. In the distribution or partition of the deceased person’s estate, the death estate can transfer the deceased person’s owner-customer membership, generally either to widow/widower or heir.

Owner-customer membership as a present

An OP cooperative bank’s owner-customer membership is a valuable and unconventional gift that keeps on giving. It is an excellent present for a birthday or a graduation, for example.

Ask your OP cooperative bank for instructions on how to gift an owner-customer membership. If the gift's recipient is a minor and both parents are the child's guardians, the parents must sign the minor's application for owner-customer membership together.