Pohjantähti Casco (own-damage car insurance) (Ajoneuvoturva Aj600)

Covers a sudden, unforeseen and external event causing direct property damage to the insured vehicle, such as collision, running off the road or rollover, up to the vehicle's market value or the agreed sum insured. Included only in the Luottokasko tier; not available even as an add-on in the Malttikasko tier.

If estimated repair costs exceed 70% of the vehicle's market value, Pohjantähti may redeem (buy out) the vehicle at its market value under any peril covered by the policyholder's tier. With the optional Laaja lunastus (broad redemption) add-on, available only for the Luottokasko tier, vehicles under two years old with under 60,000 km may instead be redeemed at the new-vehicle cash price (uusarvolunastus), or otherwise at market value increased by 25%.

When the vehicle can be repaired at reasonable cost, the loss amount is the estimated or actual reasonable repair cost, for whichever peril is covered under the policyholder's chosen tier.

Covers loss of or damage to the locked (or securely stored) vehicle, its parts or accessories due to theft, unauthorised use, or attempted theft, subject to a police report and evidence of forced entry. The vehicle is treated as lost if it is not recovered within 30 days of reporting the theft to the police and Pohjantähti.

Optional add-on for either tier, covering sudden direct-impact damage to windscreen, side and rear windows (not sunroof, roof glass or headlight lenses). No deductible applies to repair, but the customer-selected fixed deductible (chosen between €200-€2,000) applies to replacement, with an extra cost if performed outside Pohjantähti's designated service network.

Covers sudden, unforeseen damage caused by hail, storm or strong wind (measured at the nearest Finnish Meteorological Institute station) or flood. Included only in the Luottokasko tier; not offered even as an add-on in Malttikasko.

Covers intentional damage caused to the vehicle by a third party, when the time and place of the act can be established; requires the insured to demand punishment in a police report. Damage caused by another vehicle is excluded. Included in the Luottokasko tier; available as an optional add-on in the Malttikasko tier.

Covers lifting/towing to the nearest garage in Finland (and abroad) when the journey is interrupted by a technical fault or accident. In Finland, reimburses reasonable on-site repair costs and up to €400 of additional necessary travel/accommodation costs; abroad, reimburses up to €200 per night lodging (max 3 nights) plus up to €2,000 total travel/accommodation costs to the home or destination location. A fixed deductible applies; an extra 20% deductible applies if a provider other than Pohjantähti's 24h emergency line (0800 139 139) or its designated service provider is used.

Optional add-on, available only for the Luottokasko tier. Reimburses the rental cost of a C-class replacement car for up to 30 days when the vehicle is undriveable due to a collision, parking, fire, theft, roadside-assistance, vandalism, natural-phenomena or animal loss; limited to 14 days in redemption cases and 7 days for a technical fault. Requires the vehicle to be a privately used passenger car repaired at a garage generally offering maintenance/repair services, with the replacement car rented in Finland.