Fennia
Fennia is a motor casco insurance for the FI market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
FI
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.
Unique selling points
- Immediate 70% maximum bonus and bonus protection (bonusturva) from policy inception — the first collision claim never reduces your bonus.
- Autoapu 24h service included in every policy: Fennia arranges towing, files the claim on your behalf, and is reachable 24/7 both in Finland and abroad.
- Lunastusturva (new-car replacement) is automatically included in Laaja Fenniakasko and Premiumkasko — pays the full cash price of a new equivalent car when repair costs exceed threshold, with no separate purchase required.
- Rated Finland's most satisfied car insurance customers by EPSI Rating 2025, reflecting above-market service quality.
- Flexible policy composition: Laaja Fenniakasko can be built from individually chosen coverages or taken as a ready-made package, allowing customers to pay only for the protection they need.
Coverage limits
Own damage (collision insurance)
Covered
Covers damage to the insured vehicle caused by collision, overturning, falling, or running off the road. Includes new-value clause (uusarvoehto) for passenger cars, motorhomes, touring caravans and motorcycles. If total loss repair costs exceed 60% of market value, an additional uplift of up to 30% of market value (max EUR 40,000) is payable; full new-vehicle replacement (lunastusturva) applies when conditions are met.
Total loss / Salvage replacement (lunastusturva)
Conditional
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.
Partial loss (collision and other perils)
Covered
Partial damages to the insured vehicle are covered under the collision (kolari), animal collision (hirvivahinko), vandalism (ilkivalta), fire (palo), and theft (varkaus) insurance components. New-value clause applies to passenger cars, motorhomes, touring caravans, and motorcycles; compensation is the cost of repair subject to the chosen deductible.
Theft and robbery (varkausvakuutus)
Covered
Covers theft of the insured vehicle or its parts, and damage caused during theft, attempted theft, or unauthorised use. Prerequisite: the vehicle must have been locked or stored in a locked facility. Theft must always be reported to the police.
Glass damage (lasivakuutus)
Optional
Covers damage caused by an impact to a window glass, glass roof, or sunroof. The deductible is normally EUR 200 if the glass must be replaced entirely; there is no deductible for glass repair. Included in Premiumkasko; available as an add-on for Laaja Fenniakasko. Not part of Osakasko by default.
Natural perils (luonnonilmiövakuutus)
Optional
Covers damage to the vehicle when caused by hail, storm, a branch fallen due to storm, a tree felled by storm, or flooding while the vehicle is parked. Included automatically in Premiumkasko; available as a separate add-on for other packages.
Vandalism (ilkivaltavakuutus)
Covered
Covers damage caused by deliberate malicious acts (vandalism) when the time and place of the event can be established. Damage caused by another vehicle is not covered under vandalism insurance (may be covered under collision or parking insurance). Vandalism must always be reported to the police. Included in Laaja Fenniakasko and Premiumkasko; optional add-on for Osakasko.
Roadside assistance / Autopalveluvakuutus + Autoapu 24h
Covered
Autoapu 24h is included in all comprehensive insurance policies and provides 24/7 advisory and claims assistance in Finland and abroad. Autopalveluvakuutus covers extra costs from a trip interrupted by a vehicle breakdown, accident, or theft, including towing to the nearest repair shop, recovery from the roadside, and additional travel and accommodation costs for the driver. Available for passenger cars, vans, motorhomes, motorcycles, and trucks under 5,000 kg when the vehicle holds at least one of collision, animal, vandalism, fire, or theft insurance. Customer must contact Fennia before ordering towing; Fennia has the right to select the service provider.
Replacement vehicle (vuokra-autovakuutus / laaja vuokra-autovakuutus)
Optional
Covers the cost of a rental car from Fennia's named rental company when the insured vehicle cannot be used due to a covered casco claim (collision, animal, vandalism, fire, theft, glass, parking, natural perils). Available only for privately registered passenger cars insured under Fenniakaskon kolarivakuutus. Standard coverage: up to 30 days; car class (small, medium, or large-medium) chosen at policy inception. Wide rental car insurance (laaja vuokra-autovakuutus) also covers rental for up to 7 days when the vehicle is at a repair shop for a covered autopalvelu claim; expires at end of the policy year in which the vehicle's first use date is 10 years prior, after which standard rental insurance applies. Fennia has the right to designate the rental company; if another company is used, costs are not reimbursed.
Driver accident insurance
Not offered
A standalone driver accident insurance (kuljettajan tapaturmavakuutus) is not mentioned as a component of Fenniakasko in any of the verified sources. Personal accident coverage for the driver is handled through separate Fenniaturva personal insurance products.
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.
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.
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.
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.
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.
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.
Where to buy
Policy specifics
Salvage coverage (new car replacement)
Automatic coverage in Laaja Fenniakasko and Premiumkasko; covers replacement cost of new equivalent car if repair costs exceed 60% of car value
Bonus protection coverage
First collision claim does not reduce comprehensive insurance bonus; only collision claims reduce bonus
Approved repair network requirement
Fennia reserves right to select repair shop, towing service provider, or other service provider; compensation may be limited if customer uses non-approved provider
24-hour roadside assistance service
Included in all comprehensive insurance policies; provides advisory service for all vehicle damage situations in Finland and abroad; covers towing to nearest repair shop
Motor liability insurance requirement
Motor liability insurance must be in force for all vehicle insurance packages; comprehensive insurance is optional and complements motor liability insurance
Geographic coverage scope
With collision insurance: valid in ETA countries and Green Card countries (excluding Russia and Belarus); without collision insurance: valid only in Nordic countries
Traffic use deregistration coverage
During traffic deregistration period, only vandalism, fire, theft, and hire/leasing insurance remain active; other coverages do not apply