We’re delighted to have you as a Pohjola Insurance prime customer

You’re important to us! These are the benefits you get on your insurance policies

You get plenty of valuable benefits

If you also are an OP cooperative bank owner-customer, you get a higher discount and product-specific benefits. In addition, you earn OP bonuses on your policies, and they can be used against your insurance premiums, for example.

You have an extensive insurance cover for yourself and your loved ones

When we are your preferred insurance provider, using insurance services is easier for you, and we can provide you with just the right policies.

Prime customer benefits apply to all members of your household

Pool together the insurance policies of the members of your household and you’ll receive prime customer benefits for everyone in your household.

Read more about Pohjola Claim Help and our loss partners

You have access to Pohjola Claim Help, which provides instructions on what to do in the event of loss or damage. You also get assistance from our extensive partner network.

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. In addition to owner-customer discounts and OP bonus, you can also enjoy the 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 yourself whether you are a prime customer and an owner-customer. On OP-mobile, go to the Insurance section, and at op.fi, visit the My policies page after logging in. On the page you’ll also see the amount of OP bonus used against your insurance premiums and the discounts in euro you receive on your policies.

The prime customer status includes a total of five insurance categories

As a prime customer, you have at least three of the following insurance policies:

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.

  All insurance customers Insurance prime customers
5 % discount on life insurance purchased online Kyllä Kyllä
2,5 % discount when paying bills in one instalment Kyllä Kyllä
7 % discount on home, property and personal insurance (excluding life or critical illness insurance), continuous travel insurance, comprehensive motor vehicle insurance Ei Kyllä
21 % discount on most insurance policies for customers ages 18-27 Ei Kyllä
50 % increase in the amount of compensation in life insurance or a 25 % discount on the price of life insurance, depending on the product Ei Kyllä

As an OP cooperative bank owner-customer, you also get the following benefits:
OP-bonuses can be used to pay insurance premiums Kyllä Kyllä
Deductible benefit of 250 euros in losses or damage due to fire, natural phenomena and theft and covered by MyHome Insurance Kyllä Kyllä
50 % increase in the amount of compensation in life insurance or a 25 % discount on the price of life insurance, depending on the product Kyllä Kyllä
Free Product Protection Insurance with OP Classic or OP Duo credit cards Kyllä Kyllä
An extra 3 % discount on insurance policies Ei Kyllä

Keep your insurance cover up to date

Your insurance cover should be reviewed and updated periodically. You should review your insurance cover at least when your life situation changes – whether it is due to the birth of a child, a divorce or a house renovation, for example.

By logging in to OP-mobile or the op.fi service, you can, for example, view your current cover, edit your information, update your insurance policies or file a loss report. You can log in to both OP-mobile and the op.fi service with the user IDs of any bank.

We are here for you. Let's make sure together that you have insured everything worth protecting. You can always call us, visit our branch, or send a message on OP's digital services. You can also leave us a contact request on this page, and we will get back to you within the next few days.

How to pool your household’s insurance policies

By pooling your household members’ policies, you’ll receive prime customer benefits for everyone in your household. You can change your financial details by contacting our Customer Service by phone, on op.fi or in OP-mobile. As an OP cooperative bank customer, you can also visit an OP cooperative bank branch. Messaging us on OP's digital services is easy:

1. Log in to the op.fi service or through OP-Mobile.

2. Contact our Customer Service at Messages, select Insurance and Claims as the topic and tell us that you want to pool your household’s insurance policies.

3. Our Customer Service will ask you to provide the necessary information about the members of your household to pool your household’s insurance policies.

In case of loss or damage, Pohjola Claim Help is at your service

50 % increase in the amount of compensation in life insurance or a 25 % discount on the price of life insurance, depending on the product

As an OP cooperative bank owner-customer or a Pohjola Insurance prime customer, you will receive a 50 % increase in the amount of compensation paid under life insurance or a 25 % discount on the price of life insurance, depending on which product you have. The additional benefit applies to new life insurance contracts. The additional benefit is valid for a year. The benefit is confirmed annually, and its distribution aims for continuity. The size of the benefit may vary, or the benefit may be discontinued​

The insurance is issued by OP Life Assurance Company Ltd.

Prime customer bonus of 21% for ages 18 to 27
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.
Owner-customer and OP bonuses
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.
Home insurance deductible benefit

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.

Free Product Protection Insurance with OP-Visa or OP Duo cards
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 Duo 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.