LähiTapiola
LähiTapiola is a motor casco insurance for the FI market with online purchase and 24/7 assistance.
Direct payment
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.
Geographic scope
Europe and Green Card countries outside Europe
Valid throughout Europe and Green Card agreement countries outside Europe, excluding Albania, Armenia, Azerbaijan, Bulgaria, Bosnia-Herzegovina, Georgia, Iran, Israel, Kosovo, Macedonia, Morocco, Moldova, Montenegro, Romania, Serbia, Tunisia, Turkey, Ukraine, Russia, and Belarus. Replacement vehicle (sijaisauto) valid in Finland only.
Unique selling points
- LähiTapiola is the most popular vehicle insurer in Finland according to Traficom, offering three coverage tiers and extensive customisation with optional add-ons.
- A 24/7 emergency helpline (+358 800 0 4531) is included in every vehicle insurance policy, arranging towing and a substitute car at any time of day or night.
- No deductible applies when towing or roadside service is performed by a LähiTapiola approved partner, and no deductible applies for glass repair (only for glass replacement).
- A 10% no-damage discount on the collision premium is granted immediately to owner-customers, and a Bonus Protection feature prevents the bonus from decreasing after the first collision claim once earned.
- LähiTapiola is the only insurer in Finland whose voluntary vehicle insurance earns S-group Bonus (up to 5% back on premiums), and customers can also receive up to 17% Omaetu loyalty discount by centralising all their insurance.
Coverage limits
Collision Coverage (Own Damage)
Covered
Covers direct property damage to the insured vehicle caused by: going off the road or overturning; impact, collision, falling or other sudden external cause; or sudden and unforeseen tipping of a truck during loading or unloading. Repair is covered up to 70% of the vehicle's market value; beyond that threshold the vehicle is written off at market value. A no-damage discount of 10% applies to the collision premium for owner-customers.
Total Loss / Redemption Benefit (Lunastusetuvakuutus)
Conditional
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.
Partial Loss (Fire, Theft, Natural Perils, Vandalism)
Covered
Covers partial losses including fire damage from uncontrolled fire or direct lightning strike, theft and unauthorized use of a locked vehicle, vandalism (intentional damage), natural perils (storm-felled tree, hail, rising floodwater on a stationary vehicle), and animal collisions. Repair costs are compensated up to 70% of the vehicle's market value.
Theft Coverage (Varkausvakuutus)
Covered
Covers loss or damage to the insured vehicle resulting from theft, motor vehicle theft, unauthorized use, or attempted theft, provided the vehicle was locked or stored in a locked facility inaccessible to outsiders. Loss of the vehicle is compensated only if neither the insured nor police/customs authority has received information about the vehicle's recovery within 30 days of the insurer being notified, and a police report has been filed. Elevated deductibles apply in certain countries (20% in Croatia, Latvia, Lithuania, Poland, Slovakia, Slovenia, Czech Republic, Hungary, Estonia; 40% in Albania, Armenia, Azerbaijan, Bosnia-Herzegovina, Bulgaria, Georgia, Israel, Kosovo, Macedonia, Morocco, Montenegro, Moldova, Romania, Serbia, Tunisia, Turkey, Ukraine).
Glass Coverage (Lasivakuutus)
Optional
Covers breakage of the insured vehicle's window glass (windscreen, door glass, side glass, rear glass, and roof glass) caused by a direct external impact. Light covers are not covered. The least expensive repair option is always chosen. No deductible applies if the glass is repaired rather than replaced. If glass is replaced at an approved LähiTapiola partner workshop, a €200 deductible applies; at other workshops a €300 deductible applies (or the amount stated in the insurance certificate). Available as an optional add-on for Suppea (basic) casco and included by default in Laaja (comprehensive) casco but can be removed.
Natural Perils Coverage (Luonnonilmiövakuutus)
Covered
Covers property damage to the insured vehicle caused directly by: a tree blown onto the vehicle by wind; another object detached by wind striking a stationary vehicle; hail affecting the vehicle's outer surfaces; or rising water level affecting a stationary vehicle with engine off. Lightning damage is covered under fire insurance. Does not cover damage from driving on water-covered roads, ice/snow pressure, frost, rain, or heat, nor slowly developing events.
Vandalism Coverage (Ilkivaltavakuutus)
Covered
Covers property damage to the insured vehicle caused by deliberate acts of vandalism where the perpetrator's express intent was to damage the vehicle. A police report is required. Damage caused by another vehicle is not covered under vandalism; damage to an unlocked vehicle is not covered unless the vehicle is in a locked storage facility accessible only to household members. Does not cause a bonus reduction.
Roadside Assistance / Motor Breakdown Service (Autopalveluvakuutus)
Covered
Covers reasonable costs arising from journey interruption due to: a vehicle fault or damage; theft or unauthorized use of a locked vehicle; or, for privately used passenger cars, running out of fuel or other driving energy in Finland. Covers the cost of recovering the vehicle from the road and transporting it to the nearest suitable repair workshop, plus travel expenses for the driver and passengers to their home destination (up to €500 in Finland, €2,000 abroad). No deductible applies when the towing or roadside service is performed by an approved LähiTapiola partner; a €50 deductible applies if a non-approved provider is used. For buses and trucks, transport and lifting costs are covered up to €3,500 per claim.
Replacement Vehicle / Substitute Car (Sijaisautovakuutus / Laaja sijaisautovakuutus)
Optional
Covers the cost of renting a substitute car (up to C-class passenger car, e.g. VW Golf, or up to 9 m³ van) when the insured vehicle is being repaired following a covered casco claim (collision, fire, vandalism, theft, animal/moose collision, natural perils, glass replacement) or, under the Laaja (extended) variant, due to a technical fault interrupting a journey. The substitute car rental is valid only in Finland. Maximum duration: 40 days for casco damage claims; 30 days if vehicle is written off due to theft and remains missing; 14 days for other write-off situations; 7 days for technical faults. No deductible applies. Available as an optional add-on to Laaja casco for private passenger cars; included by default in Loistokasko.
Driver Accident / Personal Injury
Excluded
Personal injury to the driver or passengers is explicitly excluded from casco coverage. The policy documents state that personal injuries are not covered under casco. Driver personal injuries are covered under the mandatory MTPL (traffic insurance), not under the voluntary casco policy.
Key conditions
driver_age_experience_limit
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.
repair_network_requirements
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.
territorial_scope
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.
anti_theft_requirements
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.
claim_notification_deadline
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.
deductible_rules
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).
Where to buy
Policy specifics
Glass Coverage
Glass breakage coverage available as optional protection for comprehensive casco
Substitute Vehicle Coverage
Coverage providing substitute vehicle (up to C-class) during claim period or technical fault
Towing and Recovery Costs
Coverage of towing and transport costs when using LähiTapiola approved partners
Bonus Protection
Protection ensuring no reduction in no-claim bonus when collision claim occurs
Approved Repair Network
Specific deductible and claim handling conditions apply when using LähiTapiola approved repair shops vs. other shops
Vehicle Age Limit for Comprehensive Coverage
Comprehensive (Laaja) casco is only available for vehicles up to 20 years old; basic (Suppea) casco has no age limit
Geographic Coverage Area
Comprehensive casco is valid in Europe and selected Green Card agreement countries, with specific exclusions
Standard Deductible
Standard deductible of €200 applies to comprehensive casco claims