Pohjantähti Mutual Insurance Company
Pohjantähti
Pohjantähti is a motor casco insurance for the Finland market with online purchase and 24/7 assistance.
Direct payment
Pohjantähti settles claims either by paying repair costs based on invoices (including via its designated repair network), by agreeing a lump-sum settlement, by paying the difference between the vehicle's value before and after the loss, or by redeeming (buying out) the vehicle.
Geographic scope
Europe and Green Card agreement countries
Valid throughout Europe and Green Card agreement countries outside Europe, excluding Albania, Azerbaijan, Iran, North Macedonia, Morocco, Moldova, Montenegro, Tunisia, Turkey, Ukraine, Belarus and Russia.
Unique selling points
- Tähtikuljettaja bonus benefit: once you reach the maximum bonus and have a claims-free record, one collision claim will not reduce your bonus.
- Choose your own deductible between €200 and €2,000 to fit your budget.
- Split your premium into up to 12 instalments with no extra fees.
- Animal-collision cover extends beyond moose to collisions with any animal.
- No deductible is charged when a chipped windscreen is repaired rather than replaced.
Coverage limits
Own damage (collision)
Conditional
Only in luottokasko
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.
Total loss redemption
Covered
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%.
Partial damage / repair costs
Covered
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.
Theft
Covered
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.
Glass damage
Optional
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.
Natural phenomena
Conditional
Only in luottokasko
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.
Vandalism
Conditional
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.
Roadside assistance / towing
Covered
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.
Replacement vehicle
Optional
Only in luottokasko
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.
Driver/occupant personal accident
Excluded
Personal injury to the driver or passengers is explicitly excluded from the voluntary vehicle (casco) insurance; such injuries are instead handled under the mandatory motor liability insurance.
Key conditions
Driver age and experience limit
No specific minimum driver age or experience threshold is set for casco cover; the driver must hold a valid driving licence/permit, and the policyholder must not hand the vehicle over to someone without confirming their identity and driving entitlement.
Repair network requirements
Pohjantähti has the right to designate the repair shop, procurement source or other service provider and is not responsible for the quality of the work or parts used. Using a provider other than Pohjantähti's designated one, or its 0800 139 139 emergency line, for towing/roadside repair or glass replacement adds an extra deductible on top of the fixed deductible.
Territorial scope
Valid throughout Europe and Green Card agreement countries outside Europe, excluding Albania, Azerbaijan, Iran, North Macedonia, Morocco, Moldova, Montenegro, Tunisia, Turkey, Ukraine, Belarus and Russia.
Anti-theft requirements
The vehicle and its keys must be kept and monitored carefully; keys must not be stored visibly or in an unlocked place where a third party could guess their location, and the vehicle's registration certificate parts and keys must not be left inside the vehicle or its storage shelter.
Claim notification deadline
Vandalism, theft and collision-with-animal (e.g. moose) damage must be reported to the local police without delay. A stolen vehicle is treated as a total loss only if it has not been recovered within 30 days of reporting the theft to both the police and Pohjantähti.
Deductible rules
The policyholder chooses a fixed deductible between €200 and €2,000. Deductibles are increased abroad: doubled outside the Nordic countries and in Estonia (with a theft floor of 20% of the loss amount in Estonia), and quadrupled in Bosnia-Herzegovina, Bulgaria, Croatia, Latvia, Lithuania, Poland, Romania, Serbia, Slovakia or Czechia (theft floor 25%). Using a non-designated roadside-assistance provider adds a 20% deductible on top of the fixed deductible; glass repair carries no deductible, but glass replacement does.
Policy specifics
Repair network condition
Repair must be performed at authorized service centers; substitute car coverage limited to repairs at such facilities
SourceVehicle age limits
Different coverage expiration thresholds based on vehicle age from first registration and initial use
SourceTraffic use deregistration suspension
Some coverages are suspended during temporary deregistration of vehicle from traffic use
SourceGeographic validity area
Coverage is valid in Europe and Green Card countries, with specific exclusions
Source