Benefits by Pohjola Insurance

As our prime customer, you are entitled to substantial discounts on insurance.

Prime customer benefits and discounts

As our prime customer, you enjoy comprehensive cover and lower insurance premiums.

Improved benefits for ages 18 to 27

We offer our young prime customers a discount of up to 21% on nearly all home and family insurance.

See which benefits you are entitled to

Select the insurance policies you and members of your household currently hold to see what benefits you are entitled to.

See which benefits you are entitled to

Select the insurance policies you and members of your household currently hold to see what benefits you are entitled to.

Request a quote

Why is it worthwhile to concentrate your insurances?

By concentrating your insurance at Pohjola Insurance and becoming our prime customer, you get substantial benefits and discounts on your insurance. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts. The bonuses you have received as an owner-customer are also used for your insurance premiums.

Prime customer’s benefits apply to all members of your household. By combining the insurance policies of your household’s members, you will receive prime customer’s benefits for all people living in your household.

How to combine your household’s insurance policies:

  1. Log into the op.fi service or through OP-Mobile.
  2. Contact our Customer Service at Messages and tell them that you want to combine your household’s insurance policies into a single whole.
  3. Customer Service will ask you to provide the necessary information on your household’s members and then combine your household’s insurance policies.

Benefits and discounts depending on your customer relationship:

  All insurance customers Insurance prime customers
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-Visa or OP Duo cards Kyllä Kyllä
An extra 3 % discount on insurance policies Ei Kyllä

What is the difference between a Pohjola Insurance prime customer and OP cooperative bank owner-customer?

To become a 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. You get benefits and discounts on banking and insurance services, enjoy benefits offered by our partners and also earn OP bonuses that can be used to pay insurance bills, for example. Your accrued OP bonuses are used automatically. These are a tax-exempt benefit, which means that you cannot decide which insurance premiums they are used to pay.

Read more about OP bonuses

You get the best benefits when you are both an insurance prime customer and an OP cooperative bank owner-customer.

Become our prime customer

To become a prime customer, you simply need to insurance yourself, your loved ones or your property with policies from at least three different insurance categories. If you are an owner-customer aged 70 or above, you are entitled to discounts on only two policies.

There are five insurance categories in total:

How to check your customer status

Are you already a prime customer? If you are, the loyalty discount for prime customers is shown on your insurance bill or policy document. You can find them at op.fi in your My archive.

You can also check your customer relationship status easily with the prime customer checker at the top of this page. Simply select which policies you currently have at Pohjola Insurance to see whether you are entitled to benefits. Be sure to also list your spouse’s policies, for example, as prime customer status takes into account all policies in the same household. For example, if you and your spouse have policies from a combined total of three different categories and have reported to us that you live in the same household, you will both become prime customers.

Get your insurance needs in order - enjoy benefits and comprehensive cover

The simplest way to update your insurance cover is by a single request for quote for all your insurance needs that you have not yet purchased from Pohjola Insurance. Sending the request for quote is free of charge and does not obligate you to purchase any of the policies offered. Keep in mind that in order to enjoy prime customer benefits and discounts, you need insurance from three different categories.

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.
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.

Insurance company Pohjola Insurance

Learn more about insurance and services for personal customers. You can buy insurance and manage your insurance services easily online.

Learn more about our loss partners

Our loss partners provide unique benefits and services during loss treatment for Pohjola Insurance customers.