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
- 50 % increase in the amount of compensation in life insurance or a 25 % discount on the price of life insurance, depending on the product
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.
As an owner-customer, you will receive OP bonuses 40% more than normal in 2024.
Up to 250-euro deductible benefit for home insurance
As an owner-customer, you can 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.
The benefit applies to the presently offered MyHome home insurance. To view the terms and conditions of your home insurance, visit the Omat vakuutukset (in Finnish) section in the op.fi service.
25 % discount on the price of life insurance
As an OP cooperative bank owner-customer, you will receive a 25 % discount on the price of life insurance.
Life insurance will help your loved ones financially if you die. In such a case, we will pay your beneficiaries compensation.
The additional benefit applies to new life insurance contracts. The additional benefit 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
- 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%.
