Casco (own-damage car insurance) — Finland

[1] Own damage: Conditional ↩

Collision insurance covers direct damage to the vehicle caused by collision with another vehicle or object, leaving the road, overturning, or a sudden and unforeseen external event. Compensation is based on repair costs or, if repair is not economical, the vehicle's fair value, new-value clause, extended new-value clause or purchase-protection value at the time of loss, rather than a fixed sum insured. Included in Premiumkasko and Laaja Fenniakasko; not included in Fenniakaskon osakasko.

Kolarivakuutus korvaa ajoneuvolle aiheutuneen välittömän vahingon, kun siihen on syynä yhteentörmäys, tieltä suistuminen, kaatuminen tai muu äkillinen ja ennalta arvaamaton ulkoinen tapahtuma.

[2] Total loss: Covered ↩

If a vehicle damaged by an insured peril (e.g. collision, wildlife, fire, theft, vandalism, parking or natural-peril loss) cannot be repaired at reasonable cost, Fennia settles the claim as a write-off, paying the vehicle's fair value or, where the new-value clause, extended new-value clause or purchase-protection benefit applies, the cash price of an equivalent new vehicle at the time of loss. Purchase-protection (lunastusturva) is limited to private passenger cars under 3 years old with under 60,000 km, and is available only in Premiumkasko.

Ajoneuvosi lunastetaan, jos sitä ei voida korjata kohtuullisilla kuluilla.

[3] Partial loss: Covered ↩

Reasonable repair costs are covered as long as the vehicle's damaged value together with estimated repair costs does not exceed its fair value before the loss; otherwise the vehicle is settled as a total loss instead.

Vakuutus korvaa ajoneuvon kohtuulliset korjauskulut. Ne ovat kohtuulliset, kun vaurioituneen ajoneuvon arvo yhdessä arvioitujen korjauskulujen kanssa ei ylitä sitä käypää arvoa, joka ajoneuvolla oli ennen vahinkoa.

[4] Theft & robbery: Covered ↩

Covers direct damage to, or loss of, a locked vehicle (or one kept in a locked or continuously guarded storage space) that has been taken or an attempt made to take it without authorisation (theft, joyriding, unauthorised use). A missing vehicle is compensated if it has not been recovered within 30 days of Fennia receiving verifiable notice of the event.

Kadonneesta ajoneuvosta maksamme korvauksen, jos ajoneuvoa ei ole saatu takaisin 30 vuorokauden kuluessa siitä, kun olemme saaneet kirjallisen tai muun todisteellisen ilmoituksen tapahtumasta.

[5] Glass damage: Conditional ↩

Covers direct damage to the vehicle's window glass caused by an impact that requires the glass to be replaced or repaired to meet road-safety requirements; does not cover a sunroof or glass roof. Included in Premiumkasko; available as an add-on to Laaja Fenniakasko (requires collision insurance).

Lasivakuutuksen voit saada, jos ajoneuvollasi on kolarivakuutus.

[6] Natural perils: Conditional ↩

Covers sudden and unforeseeable direct damage caused by hail or storm, a branch or fallen tree brought down by storm, or flooding while the vehicle was parked. Available only in Premiumkasko.

Luonnonilmiövakuutus korvaa ajoneuvolle äkillisesti ja ennalta arvaamattomasti aiheutuneen suoranaisen esinevahingon, kun vahingon syynä on rakeet, myrskyn vuoksi auton päälle pudonnut oksa tai kaatunut puu, myrskyn irrottama esine, kun ajoneuvo on ollut pysäköitynä, tulva, kun ajoneuvo on ollut pysäköitynä.

[7] Vandalism: Conditional ↩

Covers damage to the vehicle caused by intentional damage, provided the time and place of the event can be established and it is reported to the police; damage caused by another vehicle is not covered. Included in Premiumkasko and Laaja Fenniakasko; not included in Fenniakaskon osakasko.

Ilkivaltavakuutus korvaa tahallisesta vahingonteosta ajoneuvolle aiheutuneet vahingot.

[8] Roadside assistance: Covered ↩

Covers reasonable extra costs when a journey is interrupted by a vehicle fault, theft, running off the road, or the sudden death, injury or illness of the driver or a passenger, including towing to the nearest repair shop, extra travel and lodging costs. Traveller cost reimbursement is capped at EUR 100 per person in Finland and EUR 300 per person abroad; lodging is capped at EUR 200 per night in total. Available in Laaja Fenniakasko and Fenniakaskon osakasko, and always included in Premiumkasko. Fennia must be contacted before ordering towing, as Fennia has the right to choose the service provider.

korvaamme enintään 100 euroa henkilöä kohti, kun vahinko on sattunut Suomessa; korvaamme enintään 300 euroa henkilöä kohti, kun vahinko on sattunut muualla kuin Suomessa. Enimmäiskorvaus kuljettajan ja matkustajien yhteenlasketuista yöpymiskuluista on 200 euroa vuorokautta kohti.

[9] Replacement vehicle: Conditional ↩

Pays rental-car costs for lost use-days while the vehicle is off the road due to a claim covered under one of the property insurances; up to 30 days for repairs and 14 days for a total loss, with no deductible on this cover. Automatically included in Premiumkasko; available for a registered private-use passenger car with collision insurance and can be added to Laaja Fenniakasko by separate agreement.

Korvauksena maksetaan omavastuuajan ylittäviltä menetetyiltä käyttöpäiviltä päiväkorvaus, joka sovitaan erikseen ja mainitaan vakuutuskirjassa.

[10] Driver accident: See details ↩

Fenniakasko is a property (vehicle) insurance and does not include personal accident/injury cover for the driver or passengers; such protection is available separately, for example under Fenniaturva accident insurance or the compulsory motor liability insurance for third parties.

[11] Own damage: Conditional ↩

Covers sudden, unforeseen and external damage caused by collision, running off the road, rolling over or a similar external event. Available only in the higher casco tiers (huippukasko, täyskasko, etukasko), not in osakasko. Deductible selectable at 300, 500 or 700 EUR; a claim reduces the bonus by 10 percentage points, except when caused by a natural phenomenon.

Törmäysturvasta korvataan äkillisen, ennalta arvaamattoman, ulkoisen tapahtuman aiheuttama välitön esinevahinko, jonka syynä on törmäys, tieltä suistuminen, kaatuminen tai muu vastaava ulkoinen tapahtuma.

[12] Total loss: 130% of insured sum ↩

Optional add-on paying an enhanced redemption value when the vehicle is severely damaged or stolen: a same-model new vehicle price if the vehicle is at most 3 years old with at most 60,000 km and repair costs exceed 50% of the new price, otherwise fair value plus 30% if repair costs exceed 60% of fair value (capped at the new-vehicle price). Not available for leased or rented vehicles (except maintenance leasing).

Jos kaikki edellä mainitut uusarvolunastuksen edellytykset eivät täyty, ajoneuvo lunastetaan välittömästi sillä ennen vahinkoa olleesta käyvästä arvosta korotettuna 30 prosentilla, jos korjauskustannusten arvioitu määrä on yli 60 prosenttia ajoneuvon käyvästä arvosta.

[13] Partial loss: Covered ↩

Base settlement method for any covered peril: If primarily pays repair costs, capped at the vehicle's fair value before the loss minus its value after the loss minus the deductible. Age-based deductions (0-70%) apply to items such as wheels, child seats, roof boxes/carriers, helmets and aftermarket audio/navigation equipment.

Esinevahinko korvataan ensisijaisesti maksamalla korjauskustannukset. Ifillä on oikeus määrätä korjaamo tai paikka, josta osa hankitaan, ja tätä varten vakuutetun tulee ottaa ennalta yhteyttä Ifiin.

[14] Theft & robbery: Covered ↩

Covers theft or unauthorised use of the locked vehicle. Deductible 200 EUR, no bonus reduction. The policyholder must demand punishment for the suspect. Requires the vehicle to be locked per the policy's locking requirements.

Varkausturvasta korvataan äkillinen ja ennalta arvaamaton välitön esinevahinko, jonka syynä on rikoslain tarkoittama varkaus, moottorikulkuneuvon käyttövarkaus tai niiden yritys, kun vakuutuksen kohde tai sen lukittava osa (kuten ajoakkujen latausjohto) on ollut teon tapahtumahetkellä lukittu.

[15] Glass damage: Optional ↩

Optional add-on covering sudden, external impact damage to the windscreen, side windows, rear window, glass roof or sunroof, where repair or replacement is necessary for road safety. Chip-repair (paikkaus) has no deductible. Replacement has a 200 EUR deductible at an If partner repair shop or 300 EUR elsewhere.

Lasiturvasta korvataan tuulilasin, sivuikkunan, takalasin, lasikaton tai lasisen kattoluukun äkillisestä ja ennalta arvaamattomasta rikkoutumisesta aiheutunut välitön esinevahinko, kun rikkoutumisen syynä on lasiin ulkoapäin suoraan kohdistunut isku, kuten kiven iskemä.

[16] Natural perils: Conditional ↩

Damage from natural phenomena such as falling snow, a falling tree or hail is covered under collision cover, available only in huippukasko, täyskasko and etukasko (not osakasko). Unlike ordinary collision claims, natural-phenomenon and flood-related parked-vehicle claims do not reduce the bonus.

Bonus ei alene vahingoissa, joissa raekuuro tai myrsky on vaurioittanut ajoneuvoa tai pysäköity ajoneuvo on vaurioitunut äkillisestä vedenpinnan noususta.

[17] Vandalism: Covered ↩

Covers sudden, unforeseen deliberate damage to the vehicle, e.g. broken windows or scratched paint. Excludes damage caused by another vehicle. Deductible 200 EUR, no bonus reduction; policyholder must demand punishment for the suspect.

Ilkivaltaturvasta korvataan äkillinen ja ennalta arvaamaton välitön esinevahinko, jonka syynä on tahallinen vahingonteko. Ilkivaltaturvasta ei korvata vahinkoa, joka on aiheutettu toisella ajoneuvolla.

[18] Roadside assistance: €2,000 ↩

Covers towing to the nearest repair shop in Finland or abroad when the journey is interrupted by fault, damage, a flat tyre or running off the road, including towing an EV to the nearest charging point. Extra travel/lodging costs in Finland are capped at 500 EUR; abroad, total additional costs (including up to 500 EUR storage) are capped at 2,000 EUR. No deductible when towing is ordered via If's own towing service; otherwise a 50 EUR deductible applies.

Auton hinaus- ja kuljetuskulujen lisäksi korvauksen enimmäismäärä on 2 000 euroa.

[19] Replacement vehicle: Optional ↩

Optional add-on providing a class-C replacement car for up to 40 days when the vehicle is undriveable due to damage, up to 7 days for a technical fault, up to 30 days for theft, or up to 14 days pending a replacement vehicle after a total-loss settlement. Motorcycles receive a 45 EUR/day cash allowance instead. No deductible and no bonus reduction.

Korvausta maksetaan siihen saakka, kun ajoneuvo on valmiina noudettavaksi korjaamolta, kuitenkin enintään 40 päivältä ja teknisissä vioissa enintään seitsemältä päivältä.

[20] Driver accident: €25,000 ↩

Supplements motor liability insurance for the driver or passengers injured or killed in a traffic accident. Physical injury compensation follows six severity classes from 0 EUR (minor injuries) up to 21,000 EUR (very severe/exceptionally severe injuries), doubled if the injured person is under 18. Death is compensated with a fixed 25,000 EUR paid to the estate. No deductible and no bonus reduction.

Henkilön menehtymisen seurauksena maksetaan korvausta 25 000 euroa. Korvaus maksetaan menehtyneen henkilön kuolinpesälle.

[21] Own damage: Conditional ↩

Covers physical damage to the insured vehicle from running off the road, overturning, or an impact/collision; liability is capped at the vehicle's fair market value (käypä arvo) at the time of loss. Only available under the comprehensive (Laaja) cover level, not under the partial (Suppea) level.

[22] Total loss: Covered ↩

If repair is not economically justified, the vehicle is settled at its fair market value (käypä arvo) immediately before the loss, minus deductible. An optional Lunastusetu rider instead pays the price of a new equivalent vehicle if the vehicle is at most 3 years old, has been driven at most 60,000 km, and repair costs are at least 50% of the new price; otherwise Lunastusetu adds up to 30% on top of the fair market value.

[23] Partial loss: Covered ↩

Necessary and reasonable repair costs are reimbursed using appropriate repair methods and parts for the vehicle's age and condition; total liability is capped at the vehicle's fair market value.

[24] Theft & robbery: Covered ↩

Covers loss or damage from theft, unlawful use, or attempted theft when the vehicle was locked or in a locked storage space; a robbery-enabled key theft is also covered. Payout for a missing vehicle requires 30 days without it being found and a police report. Liability is capped at the vehicle's fair market value; elevated percentage deductibles apply in several Eastern European countries.

[25] Glass damage: Covered ↩

Covers windscreen, door, side, rear and roof glass broken by an outside impact. Glass repair (chip repair) carries no deductible; glass replacement carries a €200 deductible at a LähiTapiola partner repair shop or €300 elsewhere.

Lasiturva: Kun lasi vaihdetaan LähiTapiolan hyväksymällä kumppanikorjaamolla, korvauksesta vähennetään 200 € omavastuu. Muiden korjaamoiden osalta omavastuu on 300 € tai vakuutuskirjaan merkitty summa.

[26] Natural perils: Covered ↩

Covers damage from a wind-felled tree or wind-blown object hitting a stationary vehicle, hail on the vehicle's exterior, and rising water while the vehicle is stationary with power disconnected; excludes damage from driving through flooded roads or areas.

[27] Vandalism: Covered ↩

Covers intentional damage caused to the vehicle by a third party; excludes damage caused with another vehicle or occurring inside an unlocked vehicle. Included in both the partial (Suppea) and comprehensive (Laaja) cover levels.

Ilkivaltavakuutuksesta korvataan tahallisesta vahingonteosta, kuten naarmuttamisesta tai muusta ilkivallan teosta aiheutuneita vahinkoja.

[28] Roadside assistance: €500 – €2,000 ↩

Optional cover for lifting the vehicle back onto the road and towing it to the nearest repair shop after a breakdown, accident, or fuel/energy depletion; travel, collection and other ancillary costs are capped at €500 for incidents in Finland and €2,000 abroad, while bus/truck towing and lifting costs are capped separately at €3,500. A €50 deductible applies if towing is done by a non-partner provider (no deductible via a LähiTapiola partner).

[29] Replacement vehicle: €50 – €100 ↩

Optional cover providing a replacement car/van (up to a C-class rental car or a max. 9 m3 panel van) or, if paid in cash instead, €50/day for a car or panel van and €100/day for a truck. A 3-day deductible period applies to the cash alternative, and use is capped at up to 30 days depending on the triggering event (down to 7 or 14 days in some scenarios).

[30] Driver accident: Excluded ↩

The policy's 'Kuljettajan tapaturma' cover applies only to accidents while riding a light electric mobility device (e.g. an e-scooter), not to the driver of the insured motor vehicle itself; no personal-accident cover for the car/motorcycle driver is included in this casco product.

[31] Own damage: Conditional ↩

Covers a sudden, unforeseen and external event causing direct property damage to the insured vehicle, such as collision, running off the road or rollover, up to the vehicle's market value or the agreed sum insured. Included only in the Luottokasko tier; not available even as an add-on in the Malttikasko tier.

Vakuutus korvaa vakuutetulle ajoneuvolle äkillisen, ennalta arvaamattoman ja ulkoisen tapahtuman aiheuttaman välittömän esinevahingon.

[32] Total loss: Covered ↩

If estimated repair costs exceed 70% of the vehicle's market value, Pohjantähti may redeem (buy out) the vehicle at its market value under any peril covered by the policyholder's tier. With the optional Laaja lunastus (broad redemption) add-on, available only for the Luottokasko tier, vehicles under two years old with under 60,000 km may instead be redeemed at the new-vehicle cash price (uusarvolunastus), or otherwise at market value increased by 25%.

Jos korjauskustannusten arvioidaan olevan yli 70 % ajoneuvon, sen osan tai varusteen käyvästä arvosta, Pohjantähdellä on oikeus lunastaa ajoneuvo, sen osa tai varuste.

[33] Partial loss: Covered ↩

When the vehicle can be repaired at reasonable cost, the loss amount is the estimated or actual reasonable repair cost, for whichever peril is covered under the policyholder's chosen tier.

Vahingon määrä on arvioidut tai toteutuneet kohtuulliset korjauskustannukset, jos vahingoittunut ajoneuvo, sen osa tai varuste voidaan tarkoituksenmukaisia korjausmenetelmiä ja osia sekä asianmukaista korjaustapaa käyttäen kohtuullisin kustannuksin korjata.

[34] Theft & robbery: Covered ↩

Covers loss of or damage to the locked (or securely stored) vehicle, its parts or accessories due to theft, unauthorised use, or attempted theft, subject to a police report and evidence of forced entry. The vehicle is treated as lost if it is not recovered within 30 days of reporting the theft to the police and Pohjantähti.

Vakuutus korvaa vakuutetun ajoneuvon, sen osan tai varusteen menettämisestä tai vahingoittumisesta aiheutuneen esinevahingon vain, jos syynä on ollut lukittuun ajoneuvoon... kohdistunut varkaus, moottorikulkuneuvon käyttövarkaus, käyttöönottaminen luvattomasti tai niiden yritys.

[35] Glass damage: Optional ↩

Optional add-on for either tier, covering sudden direct-impact damage to windscreen, side and rear windows (not sunroof, roof glass or headlight lenses). No deductible applies to repair, but the customer-selected fixed deductible (chosen between €200-€2,000) applies to replacement, with an extra cost if performed outside Pohjantähti's designated service network.

Vakuutus korvaa vakuutetun ajoneuvon ikkunalasiin äkillisesti ja suoranaisesti kohdistuneesta iskusta aiheutuneen vahingon.

[36] Natural perils: Conditional ↩

Covers sudden, unforeseen damage caused by hail, storm or strong wind (measured at the nearest Finnish Meteorological Institute station) or flood. Included only in the Luottokasko tier; not offered even as an add-on in Malttikasko.

Vakuutus korvaa vakuutetulle ajoneuvolle äkillisesti ja ennalta arvaamatta aiheutuneen vahingon, jonka syynä on rakeet, myrsky tai kova tuuli, tai tulva.

[37] Vandalism: Conditional ↩

Covers intentional damage caused to the vehicle by a third party, when the time and place of the act can be established; requires the insured to demand punishment in a police report. Damage caused by another vehicle is excluded. Included in the Luottokasko tier; available as an optional add-on in the Malttikasko tier.

Vakuutus korvaa tahallisesta vahingonteosta vakuutetulle ajoneuvolle aiheutuneen vahingon, kun tapahtuma-aika ja -paikka voidaan määritellä.

[38] Roadside assistance: Covered ↩

Covers lifting/towing to the nearest garage in Finland (and abroad) when the journey is interrupted by a technical fault or accident. In Finland, reimburses reasonable on-site repair costs and up to €400 of additional necessary travel/accommodation costs; abroad, reimburses up to €200 per night lodging (max 3 nights) plus up to €2,000 total travel/accommodation costs to the home or destination location. A fixed deductible applies; an extra 20% deductible applies if a provider other than Pohjantähti's 24h emergency line (0800 139 139) or its designated service provider is used.

Vakuutus korvaa vakuutetun ajoneuvon ja sen perässä vedettävän, alle 1 000 kg painavan perävaunun noston tielle ja hinauksen lähimpään korjaamoon, kun matka keskeytyy Suomessa ajoneuvon teknisen vian tai onnettomuuden vuoksi.

[39] Replacement vehicle: Optional ↩

Optional add-on, available only for the Luottokasko tier. Reimburses the rental cost of a C-class replacement car for up to 30 days when the vehicle is undriveable due to a collision, parking, fire, theft, roadside-assistance, vandalism, natural-phenomena or animal loss; limited to 14 days in redemption cases and 7 days for a technical fault. Requires the vehicle to be a privately used passenger car repaired at a garage generally offering maintenance/repair services, with the replacement car rented in Finland.

Vakuutus korvaa vakuutetun ajoneuvon törmäys-, pysäköinti-, palo-, varkaus-, autopalvelu-, ilkivalta-, luonnonilmiö- tai eläinriskin perusteella korvattavan vahingon johdosta vakuutuksenottajalle tai vakuutetulle aiheutuneita sijaisauton vuokrauskustannuksia menetetyiltä ajoneuvon käyttöpäiviltä.

[40] Driver accident: Excluded ↩

Personal injury to the driver or passengers is explicitly excluded from the voluntary vehicle (casco) insurance; such injuries are instead handled under the mandatory motor liability insurance.

henkilövahinkoa

[41] Own damage: Conditional ↩

Covers sudden and unforeseen direct property damage caused by collision, impact, running off the road, overturning or a similar sudden external event; compensation is capped at the vehicle's fair value (käypä arvo) minus deductions. Only available in the L and XL casco tiers, not in S-kasko.

Kolariturvasta korvataan äkillisen ja ennalta arvaamattoman ulkoisen tapahtuman aiheuttama välitön esinevahinko, jonka syynä on kolari, törmäys, tieltä suistuminen, kaatuminen tai muu vastaava äkillinen, ennalta arvaamaton ja ulkoinen tapahtuma.

[42] Total loss: 130% of insured sum ↩

In a write-off situation the insurer redeems the vehicle. A new vehicle is redeemed at its new cash price if it is under 3 years old, has under 60,000 km and repair costs exceed 50% of the new price. Otherwise a used vehicle is redeemed at its pre-loss fair value plus 30% if repair costs exceed 60% of fair value, capped at the new vehicle's cash price. Only available in the XL casco tier.

Ajoneuvo lunastetaan uuden samanlaisen ajoneuvon käteismyyntihinnasta vahinkohetkellä tai, jos ajoneuvoa ei ole enää myynnissä, siitä käteismyyntihinnasta, joka ajoneuvolla oli silloin, kun ajoneuvo viimeksi oli uutena myynnissä

[43] Partial loss: Conditional ↩

Repairable collision/impact damage is primarily compensated by paying repair costs, capped at the fair value of the property before the loss minus its post-loss value and the deductible. Covered under the same Kolariturva peril as own_damage; only available in L and XL tiers.

Esinevahinko korvataan ensisijaisesti maksamalla korjauskustannukset. Vakuutusyhtiöllä on oikeus määrätä korjaamo tai hankintapaikka, ja tätä varten vakuutetun on otettava ennalta yhteyttä vakuutusyhtiöön.

[44] Theft & robbery: Covered ↩

Covers sudden and unforeseen direct property damage caused by theft, unauthorized use, joyriding or an attempt thereof, provided the vehicle was locked or in a locked storage space at the time. A police report is required and redemption of a stolen vehicle requires it not to have been found within 30 days of notification. Included in all three tiers (S, L, XL).

Varkausturvasta korvataan äkillinen ja ennalta arvaamaton välitön esinevahinko, jonka syynä on rikoslain tarkoittama varkaus, luvaton käyttö, käyttövarkaus tai niiden yritys.

[45] Glass damage: Conditional ↩

Covers sudden, unforeseen breakage of the windscreen, side window or rear window caused by a direct external impact (e.g. stone chip), where repair or replacement is necessary for road safety. The insurer may name a partner repair network; using a non-partner supplier triggers a higher deductible. No deductible is charged if the glass is repaired rather than replaced. Only available in L and XL tiers.

Lasiturvasta korvataan tuulilasin, sivuikkunan tai takalasin äkillisestä ja ennalta arvaamattomasta rikkoutumisesta aiheutunut välitön esinevahinko, kun rikkoutumisen syynä on lasiin ulkoapäin suoraan kohdistunut isku.

[46] Natural perils: Conditional ↩

Covers damage to a stationary vehicle from a storm-felled tree or storm-detached object, hailstorm damage to exterior surfaces, and flood water rise while the vehicle is stationary with power disconnected. A storm is defined as wind of at least 21 metres per second. Only available in L and XL tiers.

Luonnonilmiöturvasta korvataan vakuutuksen kohteelle syntynyt esinevahinko, joka on aiheutunut:1. myrskytuulen kaatamasta puusta pysähtyneelle ajoneuvolle... Myrskytuuleksi luokitellaan tuuli, jonka voimakkuus on ollut vähintään 21 metriä sekunnissa.

[47] Vandalism: Covered ↩

Covers sudden, unforeseen direct property damage caused by intentional wilful damage, provided a police report has been filed; damage caused by another vehicle is excluded. Included in all three tiers (S, L, XL).

Ilkivaltaturvasta korvataan äkillinen ja ennalta arvaamaton välitön esinevahinko, jos sen syynä on tahallinen vahingonteko ja asiasta on tehty rikosilmoitus.

[48] Roadside assistance: €1,000 ↩

Covers towing to the nearest suitable garage when a trip is interrupted due to breakdown, theft, damage or running off the road. Additional travel/accommodation costs are reimbursed up to 500 EUR for interruptions in Finland and up to 1,000 EUR outside Finland. No deductible applies when towing is ordered through POP's own towing service; a deductible applies if another provider is used. For fully electric vehicles, the XL tier covers towing to the nearest charging point if the battery runs out. Included in all three tiers (S, L, XL); the age limit after which the cover ends is stated on the policy document.

Hinauskustannusten lisäksi korvattava määrä matkan keskeytymisen aiheuttamista ylimääräisistä kuluista (matka-, asumis- tai auton hakukustannukset) on kuitenkin enintään 500 euroa Suomessa ja 1 000 euroa Suomen ulkopuolella tapahtuvista matkan katkeamisista.

[49] Replacement vehicle: Conditional ↩

Compensates lost use of the vehicle after a claimable casco loss (collision, animal collision, vandalism, fire, theft, parking damage or glass damage) or a technical breakdown, either as a cash payment of 50 EUR per full day or, by agreement, a rental car up to C-class. Compensation is paid for a maximum of 30 days, with special shorter maximum periods for technical faults (5 days) and redemption/lump-sum settlement (14 days); glass-related claims are compensated for up to 2 days, but none if the glass is repaired rather than replaced; tyre-related claims receive no trip-continuation compensation at all. Only available in the XL casco tier.

Jos ajoneuvo on ajokelvoton lasiturvasta korvattavan vahingon vuoksi, korvausta maksetaan enintään kahdelta päivältä. Mikäli lasia korjataan, ei matkan jatkumisesta makseta korvausta. - Rengasturvasta ei makseta korvausta matkan katkeamisesta.

[50] Driver accident: See details ↩

No driver personal accident cover is described within the casco (vehicle damage) terms; personal injury to the driver would require a separate personal accident insurance product.

[51] Own damage: Covered ↩

Covers sudden and unforeseen physical damage to the insured vehicle caused by leaving the road, overturning, impact, collision, falling or similar sudden external cause. Compensation is capped at the vehicle's market value (käypä arvo), not a fixed sum.

[52] Total loss: Covered ↩

If repair costs reach at least two-thirds of the vehicle's pre-loss market value, Turva may (but is not obliged to) redeem the vehicle at its market value. An optional enhanced Redemption benefit (Lunastusetu) can pay the cash price of an equivalent new vehicle or market value plus up to 30%.

[53] Partial loss: Covered ↩

Necessary and appropriate repair costs are covered. If worn or corroded parts are replaced with new ones and the vehicle's condition materially improves, only the portion of costs needed to restore the pre-loss condition is paid.

[54] Theft & robbery: Covered ↩

Covers loss of or damage to the vehicle from theft, joyriding, unauthorised use, or attempts thereof, provided the vehicle was locked or kept in a locked/guarded storage facility. The vehicle is treated as permanently lost only if it is not found within 30 days of Turva receiving the theft report and a police report has been filed.

[55] Glass damage: Optional ↩

Covers windscreen, side or rear window breakage caused by a direct impact to the glass. No deductible applies if the glass is repaired rather than replaced. Marketed as a defining feature of the Täyskasko combination for drivers who want glass protection, while it is an optional addition to lighter combinations.

[56] Natural perils: Optional ↩

Covers damage caused directly by a wind-felled tree or other object, hail on the vehicle's exterior surfaces, or rising water level while the vehicle is parked.

[57] Vandalism: Covered ↩

Covers damage intentionally caused to the vehicle by a third party, where the perpetrator's explicit intention was to damage the vehicle. A police report is required.

[58] Roadside assistance: Optional ↩

Covers towing to the nearest suitable repair shop and reasonable additional travel/accommodation costs when a journey is interrupted by breakdown, accident, a flat tyre, or (for private cars) running out of fuel/charge in Finland; no deductible applies. Extra costs in Finland are capped at 400 EUR per event, abroad at 2,000 EUR, and truck/trailer towing at 3,500 EUR per event. Valid abroad only in the Liittokasko, Turvakasko, MP Turvakasko, Peruskasko and Kaikenvara combinations.

[59] Replacement vehicle: Optional ↩

Provides a rental replacement vehicle of a comparable class (max a C-segment estate car, or a van up to 9 m3 load space) while the insured vehicle is repaired following a covered loss. Maximum duration is 30 days for standard property-insurance claims, 14 days for most redemption cases, 30 days for theft-related redemption, and 8 days under the extended version for technical-fault-only claims. Rental is only available within Finland. Marketed as included by default in Liittokasko, where it is delivered in as little as an hour.

[60] Driver accident: Excluded ↩

Casco insurance explicitly does not compensate personal injuries; it only covers direct damage to property (the insured vehicle and its equipment).