Motor casco
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| Feature / category | Fennia May 18, 2026 Open details | If May 18, 2026 Open details | LähiTapiola May 18, 2026 Open details | Pohjola May 18, 2026 Open details |
|---|---|---|---|---|
| Overview | ||||
Insurer | Fennia Mutual Insurance Company | IF P&C Insurance Ltd (publ), branch in Finland | LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö) | Pohjola Insurance Ltd |
Online purchase | Yes | Yes | Yes | Yes |
24/7 helpline | Yes | Yes | Yes | Yes |
Billing basis | annual | annual | annual | annual |
Unique selling points |
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IPID | IPID | IPID | IPID | IPID |
Terms & conditions | ||||
| Coverage | ||||
Own damage | unlimited | unlimited | Covered | Covered |
Total loss | Pays the cash selling price of a new equivalent car when repair costs exceed defined thresholds: (a) full new-value replacement (uusarvoehto) if vehicle has been owned and insured since first registration, is under 1 year old and under 25,000 km, and estimated repair costs exceed 50% of new vehicle price; (b) extended new-value clause if under 3 years old and costs exceed 40%; (c) if neither applies, Fennia pays market value plus up to 30% uplift (max EUR 40,000) when repair costs exceed 60% of market value. Lunastusturva is always included in Premiumkasko and Laaja Fenniakasko; it can be added separately to other packages. | Covered | Supplementary coverage that pays above market value when the vehicle is written off. If the vehicle was purchased new, has been casco-insured since first registration, is no older than 3 years and has under 60,000 km, the payout equals the cash purchase price of a new equivalent vehicle. Otherwise pays up to 30% above market value. Requires purchase of a replacement vehicle. | Covered |
Partial loss | unlimited | unlimited | Covered | Covered |
Theft & robbery | unlimited | unlimited | Covered | Covered |
Glass damage | Optional | Optional | Optional | Optional |
Natural perils | Optional | unlimited | Covered | Covered |
Vandalism | unlimited | unlimited | Covered | Covered |
Roadside assistance | unlimited | €500 | Covered | Covered |
Replacement vehicle | Optional | Optional | Optional | Covered |
Driver accident | Not offered | €25,000 | Excluded | Excluded |
| Key conditions | ||||
Driver age experience limit | No minimum driver age or experience requirement is stated in the verified sources for Fenniakasko. Pricing factors include the policyholder's age and location; a starting bonus of 64% is offered to new, claim-free drivers aged 30 or over. | No minimum driver age is specified in the policy terms for coverage eligibility. However, the driver must hold a valid driving licence for the applicable vehicle category, a learner's permit, or an age-based right to drive. The insurance premium may be adjusted mid-term if a driver under 24 years of age uses the vehicle. Premium factors include, among others, the age of the policyholder, vehicle owner, keeper, and drivers. | The driver must hold a valid driving licence for the vehicle class being driven, or have an age-based right to drive the vehicle. There is no specific minimum driver age stated in the casco policy conditions; however, the policyholder must notify LähiTapiola if a driver under 24 years of age uses the vehicle, as this affects the premium. | No explicit minimum driver age requirement for Superkasko coverage itself. However, the driver must hold a valid driving licence issued by a competent authority corresponding to the vehicle category, or have an age-based right to drive. The vehicle may not be handed over to another person without verifying their identity and driving entitlement. |
Repair network requirements | Fennia has the right to select the repair shop, towing provider, or other service provider. If the customer uses a provider not designated by Fennia, compensation may be limited to what the designated provider would have charged. Claims at partner repair shops are handled directly between Fennia and the shop; the customer pays only the deductible. | If retains the right to select the repair shop, towing company, or rental car provider. The policyholder must always contact If first before ordering any such service. If the service is obtained from a provider other than If's designated partner, costs are reimbursed only up to the amount that would have arisen from using If's designated provider. For glass repairs and replacements, If partner shops can be found at if.fi/tuulilasi; using a partner shop waives the elevated deductible on glass replacement. | LähiTapiola has the right to designate the repair workshop or supplier. When glass is replaced at an approved LähiTapiola partner workshop, the deductible is €200; at other workshops it is €300 or the amount stated in the insurance certificate. When towing or roadside service is performed by an approved LähiTapiola partner, no deductible applies; if performed by others, a €50 deductible is charged. The insurer does not act as the work orderer and is not liable for the quality of work or parts. | The insurer has the right to designate the repair shop or procurement source. The policyholder must contact the insurer for this purpose. Age-appropriate used parts may be used where available without causing repair delays. The insurer is not responsible for repair quality; liability rests with the service provider or supplier. |
Territorial scope | With collision insurance (kolarivakuutus): valid in EEA countries and Green Card countries (excluding Russia and Belarus). Without collision insurance: valid only in Nordic countries and transports between them. Osakasko is valid only in the Nordic countries. Double deductible applies outside the Nordic countries. | The casco insurance is valid throughout Europe and in Green Card agreement countries outside Europe, excluding Azerbaijan, Iran, Kosovo, Northern Cyprus, Morocco, Tunisia, Turkey, Belarus, Russia, and Nagorno-Karabakh. Not valid when the vehicle is rented to others or when it is held for sale by a dealership, company, or private party other than the registered owner/keeper. Outside the Nordic countries and Estonia, the deductible is doubled (except for glass cover and the abroad liability cover). The abroad liability cover is limited to trips of max 45 consecutive days in non-EEA Green Card countries. | The casco policy is valid throughout Europe and in Green Card agreement countries outside Europe, except Albania, Armenia, Azerbaijan, Bulgaria, Bosnia-Herzegovina, Georgia, Iran, Israel, Kosovo, Macedonia, Morocco, Moldova, Montenegro, Romania, Serbia, Tunisia, Turkey, Ukraine, Russia, and Belarus. The substitute vehicle (sijaisauto) coverage is only valid in Finland. The foreign liability coverage (ulkomaan vastuuvakuutus) is valid only in EEA-external Green Card countries: Andorra, Gibraltar, Monaco, San Marino, Switzerland, and Vatican. | Superkasko is valid throughout Europe and in Green Card agreement countries outside Europe, except in Russia east of the Urals. Theft cover for private passenger cars and motorcycles under Superkasko is not valid in Russia, Belarus, Ukraine, or Moldova unless separately agreed. Roadside assistance under Osakasko is valid only in Finland, Sweden, Norway, and Denmark. Foreign liability cover is valid in Green Card countries outside the EEA, except Iran, Tunisia, and Morocco. |
Anti theft requirements | For theft claims, the vehicle must have been locked or stored in a locked facility at the time of the theft. Theft and vandalism events must be reported to the police immediately; a criminal complaint must be filed and may not be withdrawn. Failure to report may result in reduction or denial of compensation. | For Theft Cover (varkausturva) to apply, the vehicle must be locked at the time of the incident: for enclosed-body vehicles, the cabin, doors, windows, and cargo space must be closed and locked, keys removed, and electronic immobiliser or steering lock engaged. Motorcycles, mopeds, quads, and snowmobiles must have keys removed and immobiliser/steering lock active, or be secured with a disc lock, wheel lock, chain and lock, or cable lock to a fixed object. Storing accessories (e.g. tyres) in a shared space requires them to be locked. Keys or key-equivalent devices must not be left in the vehicle, and must not be stored in visible or accessible unsecured locations. | The vehicle must be locked or stored in a locked facility inaccessible to third parties for theft coverage to apply. Vehicle keys, electronic credentials, and registration documents must not be stored in the vehicle or in unlocked places where third parties can be expected to find them. Keys must not contain identification information linking them to the vehicle. If a key is lost or stolen, the insured must take steps to prevent unauthorized use (e.g. re-keying the locks). Terrain vehicles and snowmobiles must be secured with a chain or cable and lock. | The vehicle must be locked as specified in the policy terms (locked body compartment for cars). Key-related information must not be stored in the vehicle or its storage space. If keys are lost, the immobiliser must immediately be re-coded so the lost keys cannot start the vehicle, and the vehicle must be secured with a mechanical lock in the meantime. VAT-approved electronic immobilisers and alarm systems are recommended and may affect the deductible. |
Claim notification deadline | The insured must contact Fennia before ordering towing so that Fennia can select the service provider. Claims can be reported at any time via Oma Fennia online service or by calling the Autoapu 24h service. No specific calendar deadline for general claim notifications is stated in the verified sources. | The policyholder must report the damage to If without delay and provide all necessary information for investigation of the claim. If must be given the opportunity to inspect the damage. Claims should preferably be reported via Omat sivut (online self-service) or the If Mobiili app. For towing, roadside assistance, and glass repairs, If must be contacted before ordering services. For abroad liability cover, If must be notified immediately of any court proceedings. | The insured must file a claim report without delay and provide all necessary and accurate information for investigating the claim. For theft, vandalism, fire, or other criminal acts, the insured must promptly report the matter to the police. For a stolen vehicle found abroad, Finnish police must also be notified. Insurance compensation must be claimed within one year of the insured becoming aware of the policy being in force, the insured event, and the resulting damage; claims must in any case be presented within 10 years of the insured event. | The policyholder must notify the insurer of a loss without delay in writing, and provide all documents and information relevant to the claim. For fire, theft, vandalism, and wildlife collisions (other than reindeer), the policyholder must immediately notify the local police. The vehicle must be made available for inspection by the insurer before repairs begin. Compensation must be claimed within 1 year of becoming aware of the insurance coverage, the loss, and its consequences, and in any case within 10 years of the loss event. |
Deductible rules | The deductible for property (esine) insurance can range from EUR 200 to EUR 5,000 depending on vehicle type, and is selected by the policyholder at inception (stated in the policy certificate). Glass insurance deductible is EUR 200 for full glass replacement; no deductible for glass repair. Instalment/leasing insurance deductible equals the deductible of the underlying policy. When a loss occurs outside the Nordic countries, the deductible is doubled (except for glass insurance). Legal expense insurance deductible is 15% of covered costs, minimum EUR 300. | The deductible for the Collision Cover (törmäysturva) is chosen by the policyholder (e.g. EUR 200, 300, or 500). Other covers typically carry a EUR 200 deductible. Towing ordered via If carries no deductible. Glass repair (patching) carries no deductible; glass replacement at an If partner shop has a EUR 200 deductible, elsewhere EUR 300. Outside the Nordic countries and Estonia, the deductible is doubled (except for glass cover and abroad liability cover). When a private-individual policyholder has multiple policies covering the same event, only the highest single deductible is applied. Fire damage prevention/limitation costs are exempt from the deductible. | A deductible is charged for every claim, with the amount stated in the insurance certificate. The standard deductible for most casco coverages is €200 (selectable at €200, €500, €750, or €1,000). For collision claims, deductible options include €200, €500, €750, and €1,000. No deductible applies for: glass repair (not replacement); substitute vehicle (sijaisauto); and towing/roadside service by an approved LähiTapiola partner. For glass replacement at an approved workshop: €200; at other workshops: €300. For the legal expenses coverage the deductible is always 15% of the claim amount, minimum €200. For financing insurance the deductible is always €500. Theft in certain Eastern European countries carries elevated deductibles (20% or 40% of the claim amount). | All covered losses carry a per-event deductible as stated in the policy schedule. The collision cover deductible can be selected (options per Kamux/dealer channel: EUR 200, 500, 1,000, or 1,500). Standard deductible for theft, fire, vandalism, wildlife collision, and foreign liability is EUR 150 per the product guide. For theft events outside the Nordic countries, the deductible is doubled; for theft in Estonia, Latvia, Lithuania, or Poland it is 20% of the loss amount, minimum EUR 600. Roadside assistance has no deductible. Legal protection cover deductible is 15% of costs, minimum EUR 200 per event. If vandalism and theft occur simultaneously, only one deductible is deducted. |
| Proof and next steps | ||||
Direct payment policy | Fennia arranges towing and claims via Autoapu 24h service; at partner repair shops (kumppanikorjaamo), the customer pays only the deductible directly to the repair shop and Fennia handles billing with the shop. If a non-approved service provider is used, compensation may be limited to what an approved provider would have charged. | If can pay repair costs directly to its partner repair shops and towing companies when services are ordered through If. The customer is not required to pay first when using If's designated service providers. For towing ordered via if.fi/hinaus or 010 19 18 40, no deductible is charged and the invoice is settled directly with the towing company. | LähiTapiola arranges towing and repair through approved partner workshops. The insurer has the right to designate the service provider and repair shop. When towing is performed by an approved LähiTapiola partner, no deductible is charged. When a non-approved provider is used, a €50 deductible applies to roadside assistance. | Roadside assistance (Autopalvelu) is paid without a deductible directly to the service provider. Repair costs are paid directly to the repair shop designated by the insurer. The insurer has the right to designate the repair shop or procurement source. |
Last verified | May 18, 2026 | May 18, 2026 | May 18, 2026 | May 18, 2026 |