IF P&C Insurance Ltd (publ), branch in Finland
If
If is a motor casco insurance for the Finland market with online purchase and 24/7 assistance.
Direct payment
If pays its partner towing, glass and repair providers directly, so the customer generally does not need to pay the bill upfront and only settles the applicable deductible.
Geographic scope
Europe and non-EEA Green Card agreement countries
Valid throughout Europe and in Green Card countries outside Europe, excluding Azerbaijan, Iran, Kosovo, Northern Cyprus, Morocco, Tunisia, Turkey, Belarus, Russia and Nagorno-Karabakh.
Unique selling points
- New full casco policies start with an 80% bonus and If's bonus grows faster than any competitor in Finland.
- Careful drivers who have reached an 80% bonus keep it even after their first claim under the 'Loistokuski' benefit.
- Ordering towing through If's own towing service means no callout invoice to pay upfront and no deductible is charged.
- Using an If partner glass-repair shop lowers the windscreen replacement deductible to just 200 euros instead of 300.
- Joining If's loyalty programme with a home or vehicle casco policy gives a standing 10% discount, rising to 15% with two qualifying policies.
Coverage limits
Collision cover (Törmäysturva)
Conditional
Only in huippukasko, täyskasko, etukasko
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.
Redemption cover (Lunastusturva)
130% of insured sum
Only in huippukasko, täyskasko, etukasko
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).
Repair settlement (Korjaaminen)
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.
Theft cover (Varkausturva)
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.
Glass cover (Lasiturva)
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.
Natural phenomena damage (under Törmäysturva)
Conditional
Only in huippukasko, täyskasko, etukasko
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.
Vandalism cover (Ilkivaltaturva)
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.
Towing and travel expenses (Hinaus ja matkakulut)
€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.
Replacement car service (Sijaisautopalvelu)
Optional
Only in huippukasko, täyskasko, etukasko
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.
Personal accident cover (Henkilöturva)
€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.
Key conditions
Driver age and experience limit
Premium and bonus factors include the age of the policyholder, vehicle holder and driver; premiums may be revised at renewal or during the period if a driver under 24 years old is added. The driver must always hold a valid licence for the vehicle class or a learner's permit.
Repair network requirements
If has the right to name the repair shop, towing company or rental car provider used. Contact must be made with If before ordering any such service; if a service is obtained elsewhere, reimbursement is capped at what If's partner network would have charged.
Territorial scope
Casco cover is valid throughout Europe and in Green Card countries outside Europe, excluding Azerbaijan, Iran, Kosovo, Northern Cyprus, Morocco, Tunisia, Turkey, Belarus, Russia and Nagorno-Karabakh. Foreign liability cover (Vastuuturva ulkomaille) is valid only in non-EEA Green Card countries, for trips of up to 45 consecutive days.
Anti-theft requirements
The vehicle is considered locked when its doors, windows and cargo space are closed and locked, the keys are removed, and any electronic immobiliser and steering lock are engaged; different locking rules apply to motorcycles, mopeds, ATVs, snowmobiles, caravans and e-bikes.
Claim notification deadline
Damage must be reported to If as soon as possible; merely reporting a claim does not by itself affect the bonus. For towing or roadside help, contact If's towing service before ordering assistance to retain the no-deductible benefit.
Deductible rules
Deductibles vary by peril: collision is selectable at 300/500/700 EUR; theft, fire, vandalism, animal collision and parking damage are 200 EUR; glass repair is 0 EUR and glass replacement is 200 EUR (partner) or 300 EUR (other); foreign liability cover is 500 EUR; legal expenses cover is 20% of costs, minimum 200 EUR. Deductibles are doubled for damage occurring outside the Nordic countries and Estonia, except for glass and foreign liability cover.
Policy specifics
Collision cover
Primary collision damage coverage for full casco; core optional cover for semi casco
SourceComprehensive coverage (theft, fire, vandalism)
Covers theft, fire damage, malicious damage and animal collision damage in both full and semi casco
SourceTowing and travel expenses cover
Covers towing to nearest repair shop when driving discontinued due to damage, fault or puncture in Finland; includes EV charging point towing
SourceReplacement car service
Full casco only: replacement car for up to 40 days if driving discontinued due to damage or theft; up to 7 days for technical failures
SourceWindscreen cover (optional add-on)
Optional additional cover for windscreen replacement available for both full and semi casco
SourceParking damage cover
Covers dents caused by unknown vehicle while parked; typically available only in full casco
SourceRedemption cover (optional add-on)
Optional cover for total loss vehicle redemption value when repair costs become excessive
SourceBonus system for full casco
New full casco policies receive 80% collision bonus; increases 10% annually without claims; decreases 10% per claim
SourceVehicle locking requirement
Vehicle must be locked or in locked/guarded storage for theft and interior damage claims to be covered
SourceCoverage for installed equipment
Aftermarket electronics and accessories covered up to EUR 6000 in full/premium casco; EUR 600 in semi casco
SourceExclusion of internal/mechanical damage
Casco does not cover internal defects, technical faults, improper oil/coolant circulation damage
SourceExclusion for intoxication and gross negligence
Claims denied if loss caused intentionally, by gross negligence, or while under influence of alcohol/drugs
SourceClaims notification requirement
Policyholders must report damage immediately; mere reporting does not affect bonus but failure to report may deny claims
Source