FAQ about insurance
Frequently asked questions
Payment default - How does a payment default affect your insurance and banking services?
I need more time to pay my insurance bill – what should I do?
Selling a vehicle – What should I do about insurance?
Identity theft - What should I do?
Lessor’s Insurance – I am letting out my buy-to-let home, how should I insure it?
Decomissioning and recommissioning a motor vehicle and other registration changes - How do they affect my insurance policies?
How do I contact you?
Appointments – How do I book an appointment at a branch office or an online or phone meeting?
Sports Cover – How do I terminate the Sports Cover?
Requesting an offer - How do I request an offer for new insurance?
Money order – I received a cash transfer by mail. How can I deposit it on my account?
I am not a bankin customer at OP – how do I manage my insurance online?
A travel insurance card – Where can I get a travel insurance card?
A travel insurance certificate for a visa – How can I get a travel insurance certificate for a visa?
Green Card – What do I need to take my car or motorcycle out of Finland?
I am moving home – What should I do about my home insurance?
Power of attorney – How can I authorise another person?
Estate insurance – What to do?
Loss report – How can I report a loss or damage?
Payment default - How does a payment default affect your insurance and banking services?
A payment default entry may affect your opportunities to get banking and insurance services. The role it plays depends on the banking or insurance service and the number and nature of the default entries.
To learn about the effect of a payment default, please contact our customer service. General information about payment defaults can be found on the website of the Finnish Financial Ombudsman Bureau, FINE (in Finnish).
I need more time to pay my insurance bill – what should I do?
If you need an extension to pay your insurance bill, you can request it via our digital services:
Op.fi – Insurance – Bills for your insurance
OP-mobile – Insurance – Bills
After the original due date, the extension period will be subject to default interest, which we will charge in your next insurance bill.
See other answers to frequently asked questions about insurance invoices
Selling a vehicle – What should I do about insurance?
The vehicle's motor liability insurance and any comprehensive motor vehicle insurance are automatically terminated when the vehicle changes owner or is permanently removed from the register by means of a scrapping certificate or following an accident. We are notified of registration changes by the Finnish Transport and Communications Agency Traficom. The changes are updated in the insurance details with a delay, after which we will send you the revised insurance policy and invoice.
Identity theft - What should I do?
See Pohjola Claim Help for instructions on detecting identity theft and information about how your insurance protects you if this has happened to you.
Lessor’s Insurance – I am letting out my buy-to-let home, how should I insure it?
Lessor's insurance helps you ensure that the fixtures and fittings, surfaces and property in an apartment you have rented out, such as the refrigerator or dishwasher, are insured in the way you want.
When leasing your apartment for a longer period, at least three months, you should expand the cover of your buy-to-let home with the following optional investment policies:
- Lessor’s general liability insurance covers expenses if you cause loss or damage, for example during renovation, for which you are liable as the owner of the apartment or property.
- Lessor’s legal expenses insurance lets you prepare against legal disputes related to a buy-to-let home or property, such as disputes between a buyer and seller.
- Lessor’s consequential loss insurance compensates you if your apartment or property is partially or fully unfit to live due to damage and you lose out on rental income during the renovation.
Decomissioning and recommissioning a motor vehicle and other registration changes - How do they affect my insurance policies?
Decommissioning and recommissioning of a vehicle, and change of owner and holder are examples of registration changes. You can make registration changes when logged in to the op.fi service:
Insurance – My policies – select your vehicle insurance – Decommissioning and other changes in register information
You can also make registration changes in Traficom’s web service or at any vehicle inspection station offering registration services. The registration changes are subject to a fee stated in Traficom’s list of service charges and fees.
The registration changes will be updated automatically in your insurance policy details. We will refund the insurance premium for the period the vehicle is decommissioned. However, at the beginning of an insurance period, we will charge the minimum premium of 14 euros for the motor liability insurance. In the case of comprehensive motor vehicle insurance, you will continue to pay for the covers that protect your decommissioned vehicle.
Please make sure that your bank account number is up to date at all times to facilitate any refund of insurance premiums. You can check your account when logged in at:
Op.fi – Insurance – All insurance services – Management of cases: Insurance accounts
OP-mobile – Insurance – Customer profile: Account number for premium refunds
How do I contact you?
You can reach us via chat or by phone at 0303 0303. You can log in to our digital services with any bank's user ID and send us a message.
In the event of loss or damage, you can get easy instructions for various claims situations at Pohjola Claim Help – see more at claimhelp.pohjola.fi and OP-mobile.
Appointments – How do I book an appointment at a branch office or an online or phone meeting?
You can conveniently book an appointment at a branch office or an online or phone meeting on the op.fi or OP-mobile. You can select a convenient time or the expert of your choice. Please remember to bring a valid ID document when visiting a branch office.
Sports Cover – How do I terminate the Sports Cover?
You can terminate the Sports Cover by sending us a message via digital services.
- Begin by logging in to the op.fi service or OP-Mobile.
- To send a message, go to:
Op.fi – Messages – New message – Topic: Insurance – Insurance policies
OP-mobile – More – Messages – New message – Subject: Insurance policies
Please provide the following information in your message:
- Name and personal ID code of the insured person
- Sports federation
- The account number for the refunding of any excessive insurance premium
Requesting an offer - How do I request an offer for new insurance?
You can conveniently calculate prices and buy insurance on the service op.fi or via OP-mobile. You can also ask for an offer on several insurance policies using the offer request form.
You can also make certain changes to your valid insurance policies in the Insurance section in the op.fi service.
Money order – I received a cash transfer by mail. How can I deposit it on my account?
If you have an OP user ID, you can redeem the money order and deposit the funds in your bank account in the op.fi service.
Start by logging in using your OP user ID
Select Money – All daily banking services – Money order redeem
To redeem a cash transfer, you need the identifier and the amount of the cash transfer.
If you do not have an OP user ID, you can redeem the cash transfer for a service fee at any OP cooperative bank branch up to the last redemption date stated in the cash transfer notification. Please remember to bring the cash transfer notification and a valid ID document with you when visiting the bank branch.
If the money order is not redeemed by the stated deadline, the payment will revert to us, so be sure to provide your account number at:
Op.fi – Insurance – All insurance services – Management of cases: Insurance accounts
OP-mobile – Insurance – Customer profile: Account number for premium refunds
I am not a bankin customer at OP – how do I manage my insurance online?
A travel insurance card – Where can I get a travel insurance card?
An electronic travel insurance card is available to you in OP-mobile under Insurance – Customer profile: Cards.
If you have continuous traveller's insurance, you will receive your travel insurance card at your home address by post. If your card is lost or broken, you can order a new one in the op.fi service on your traveller's insurance page: Insurance – Traveller's insurance – Order a travel insurance card. We will send you a new travel insurance card by post within approximately two weeks.
For fixed-term traveller's insurance, the insurance policy qualifies as proof of valid traveller's insurance.
A travel insurance certificate for a visa – How can I get a travel insurance certificate for a visa?
You can print a travel insurance certificate for a visa on the op.fi service under Insurance – Travel insurance – Print a certificate of travel insurance for a visa. Alternatively, you can order it to be delivered by post to your home address free of charge. An insurance company's stamp or signature is not required for a travel insurance certificate for a visa.
Green Card – What do I need to take my car or motorcycle out of Finland?
When travelling outside the Nordic countries, it is advisable to always carry a Green Card certifying the validity of your Motor Liability Insurance. The Green Card is valid in countries stated on the card.
You can print the Green Card on the op.fi service as follows:
Go to op.fi - Vakuutukset (Insurance) - Valitse ajoneuvon liikennevakuutus (Select the vehicle’s motor liability insurance) - Tulosta Green Card (Print a Green Card)
When travelling outside Finland with a vehicle, you must also have the technical section of the vehicle registration certificate with you. The certificate’s technical section is available from the Finnish Transport and Communications Agency Traficom’s online service and at vehicle inspection stations. If your vehicle is owned by a finance company, be sure to request an authorisation to take the motor vehicle abroad.
Please note that when travelling abroad your motor insurance is subject to special clauses and a higher deductible. Any material damage to the vehicle occurring outside the Nordic countries carries a double deductible. If your motorcycle or passenger car is stolen in Estonia, Latvia, Lithuania, Poland, Russia, Belarus, Ukraine or Moldova, the deductible is 20% of the amount of loss and no less than 600 euros (excluding campervans).
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I am moving home – What should I do about my home insurance?
There is no need to worry about your move if you have valid home insurance from Pohjola Insurance. It will cover your movable property in both the old and new home for up to two months from the start of the move. However, please remember to transfer your home insurance to your new home. To change the place of insurance:
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Begin by logging in to the op.fi service
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In the Insurance section, select “My policies”
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Select your home insurance to get to "Moving homes: Transfer your insurance to the new address"
If you don’t have valid home insurance, you can conveniently calculate the price of one and buy insurance online.
The Easy insurance package for young people can be transferred to a new address only by phone, chat or online message at op.fi or OP-mobile. Provide your new address, the size of your home, and the names of any family members moving with you, as they also are covered by the home insurance. The Easy insurance is best suited for rented homes, so if you are buying a home, it’s a good idea to discuss your insurance coverage with us.
Have a look at our articles relating to buying a home, moving and living!
Power of attorney – How can I authorise another person?
In the op.fi service, you can issue a power of attorney authorising another person to manage your insurance and claims.
- Log in to the service op.fi
- In the Insurance section, select Powers of Attorney
The authorised person can handle matters in the op.fi service and OP-mobile, by phone, and at a bank branch. They can also see the principal's insurance information in OP's digital services. A power of attorney authorises the holder to manage insurance policies and claims for the principal, with the exception of the right to name beneficiaries, complete a health declaration or authorise a third party.
Alternatively, you can fill out an individual power of attorney in paper form and mail it to the address below.
The template for the power of attorney (in Finnish).
Pohjola Insurance Ltd
Tunnus 5010454
FI-00003 VASTAUSLÄHETYS (RESPONSES)
Estate insurance – What to do?
When a policyholder has died or insurance has been taken out in the name of the estate, distributees of the estate are entitled to information about the estate's insurance policies by means of an extract from the population register or an estate inventory deed indicating the distributee of the death estate.
However, in order to manage or change death estate insurance matters, you need not only an extract from the population register or an estate inventory but also a power of attorney, entitling all or selected distributees of the estate to manage the death estate’s insurance matters. If the deceased has made a will, a copy of it must be sent to the insurance company, and in such cases the beneficiary is also required to have authorisation.
You can submit the required documents in the op.fi service, by message through the digital service, or at a branch. If you decide to deliver the documents to a bank branch, you must also present proof of identity. The processing time for a death estate's documents is about two weeks. After this, the death estate's insurance policies can be managed by chat or message in the digital service, by phone, or at a branch.
Print out the template for a death estate’s power of attorney (in Finnish)
If an administrator or executor has been appointed for the death estate, only they can make changes to the death estate's insurance cover. In such a case, a court order must be provided.
Learn more about managing a death estate's insurance policies
Loss report – How can I report a loss or damage?
The easiest way to file a loss report is on the op.fi service or on OP-mobile and this is how you will receive a claim settlement decision in the fastest way.
Read more about filing a claim
Read more about instructions for various loss events from Pohjola Claim Help