If

driver_age_experience_limit

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.

repair_network_requirements

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.

territorial_scope

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.

anti_theft_requirements

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.

claim_notification_deadline

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.

deductible_rules

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.

Replacement Car Service

Compensation for rental car expenses when insured vehicle is in repair due to covered loss. Maximum 40 days for damage/theft, 7 days for technical failures in Finland. Not available for Semi Casco.

Collision Cover

Covers direct property damage caused by collision, running off road, or falling. Available in Full Casco. Deductible can be selected (e.g., 200, 300, 500 EUR). Initial bonus of 80% for new policies.

Theft Cover

Covers sudden or unforeseen property damage caused by theft, stealing vehicle for temporary use, or attempted theft. Vehicle must be locked or in continuously guarded storage.

Semi Casco (Osakаsko)

Covers animal collision damage, fire, lightning, malicious damage, and other comprehensive risks. Does not include collision cover or bonus system. Secondary windows covered without deductible.

Towing and Travel Expenses

Both Semi and Full Casco cover towing and travel costs when journey is interrupted due to vehicle damage, theft, or breakdown. Covers transportation of driver and passengers to destination.

Vehicle Coverage Scope

Covers vehicle and standard equipment including ordinary fitted accessories. Secondary electronics (sound systems, navigation, cameras) covered up to EUR 6,000 in Full/Premium Casco, EUR 600 in Semi Casco. Vehicle must not be rented to others.

Optional Additional Covers

Full Casco can be supplemented with: Glass cover, Dent cover (parking damage), Fire cover, Malicious damage cover, Animal collision cover. Semi Casco can be supplemented with glass cover.

Geographic Coverage

Insurance valid throughout Europe and Green Card agreement countries except Azerbaijan, Iran, Kosovo, Northern Cyprus, Morocco, Tunisia, Turkey, Belarus, Russia, and Nagorno-Karabakh. Foreign use liability limited to 45 days in non-EEA countries.

Service Provider Selection

If retains right to select repair shop, towing company, or rental car provider. Customers must contact If first. Costs capped at If's designated provider rates if different provider used.

Deductible Structure

Deductible selected for Collision cover applies to collision claims. Other covers typically have EUR 200 deductible. Towing and windscreen repair at If partner shops possible without deductible.

Bonus System

Full Casco offers up to 80% bonus for new policies. Bonus increases by 10 percentage points annually without claims. Each claim reduces bonus by 10 percentage points. Bonus not reduced for hail, storm, or theft of parked vehicle.

Key Exclusions

Casco does not cover: technical failures, wear and tear, insufficient oil/coolant circulation, gradual corrosion, rust, lack of maintenance, structural defects, defects due to aging, racing-related damage, intentional damage by policyholder, illegal use.

Policy Validity Conditions

Policy not valid when vehicle is rented to others. Not valid when vehicle is for sale at dealer, company, or private party other than registered owner/keeper. Premium refunded for periods vehicle is off-road.