Pohjola Insurance Ltd
Pohjola / OP
Pohjola / OP is a motor casco insurance for the Finland market with online purchase and 24/7 assistance.
Direct payment
Pohjola Vakuutus operates a designated repair partner network (Pohjola Korjaamomestari and other named repair partners) that can bill the insurer directly once a claims decision has been made; the policyholder only pays the deductible to the repair shop. Repairs carried out elsewhere are reimbursed only up to what the designated partner would have charged.
Geographic scope
Europe and Green Card agreement countries
Valid throughout Europe and in Green Card countries outside Europe, except the non-European part of Russia. Theft cover for private cars/motorcycles under Osakasko/Minikasko is not valid in Estonia, Latvia, Lithuania, Poland, Russia, Belarus, Ukraine or Moldova and this limit cannot be extended. Osakasko roadside assistance is valid only in Finland, Sweden, Norway and Denmark and transport between them.
Unique selling points
- Liikennevakuutus starts at a 40% no-claims bonus and can reach the maximum 80% bonus in as little as 5 years of claim-free driving.
- A unique bonus-protection feature: after two consecutive years at the 80% liikennevakuutus bonus, a single claim no longer reduces your bonus level.
- Optional Lasiturva covers every window on the car, including the roof glass/sunroof, not just the windscreen.
- Superkasko's keskeytysturva can deliver a replacement car straight to the accident scene, not just to a rental office.
- OP owner-customers holding products across three insurance categories get close to a 10% discount plus OP-bonuses usable toward future premiums.
Coverage limits
Own Damage / Collision Cover (Vaunuvahinko)
Conditional
Only in Superkasko, Isokasko
Covers sudden and unforeseen external damage to the insured vehicle from collision, running off the road, overturning or road collapse. Settlement is based on the vehicle's fair value or reasonable repair cost. Only included in the Superkasko and Isokasko tiers; Osakasko and Minikasko do not include this cover.
Total Loss Settlement (Lunastus)
Covered
If estimated repair costs exceed 60% of the vehicle's fair value immediately before the loss, the insurer may redeem the vehicle at that fair value instead of paying for repairs. Under specific conditions (vehicle age ≤3 years and ≤60,000 km for Superkasko, or ≤1 year and ≤25,000 km for Isokasko, with repair cost >50% of the new list price) a new-value settlement (uusarvolunastus) at the retail price of an equivalent new vehicle may apply instead of fair value.
Partial Damage Repair Settlement
Covered
If the damaged vehicle can be repaired at reasonable cost, the claim equals the repair costs or an equivalent cash sum. Repairs must use parts of comparable age and condition where available; if the repair also improves the vehicle's condition, the settlement is reduced accordingly.
Theft & Robbery Cover (Varkausvakuutus)
Covered
Covers loss of, or damage to, the vehicle and its standard equipment caused by theft, unlawful taking, joyriding or attempts thereof, provided the vehicle was locked or in a locked storage facility and a police report requesting punishment has been filed. Included as standard in all tiers of the line (Superkasko, Isokasko, Osakasko, Minikasko).
Glass Cover (Lasivakuutus)
Optional
Only in Superkasko, Isokasko, Osakasko
Optional additional cover for a motor vehicle's window glass, including roof glass, damaged by a direct impact and requiring repair or replacement. Not included by default; must be added separately.
Natural Perils (Storm/Hail Damage)
Covered
Only in Superkasko, Isokasko
Storm and hail damage to the vehicle is covered as part of the collision/own-damage cover (vaunuvahinkovakuutus), which treats such events as a sudden, unforeseen cause damaging the vehicle from the outside. Storm/hail claims do not reduce the policyholder's bonus and remain payable even while the vehicle is temporarily deregistered from traffic use.
Vandalism Cover (Ilkivaltavakuutus)
Conditional
Only in Superkasko, Isokasko, Osakasko
Covers intentional damage by a third party where the time and place of the act can be precisely established and a police report is filed. Included in Superkasko, Isokasko and Osakasko; not included in Minikasko. Damage occurring during unlawful use is only covered if it would also be covered under the theft insurance.
Roadside Assistance (Autopalveluvakuutus)
€500
Only in Superkasko, Isokasko, Osakasko
Covers extra costs when a journey already begun is interrupted by breakdown, damage, or theft of the locked vehicle: towing/lifting onto the road, on-site repair labour, and onward travel/overnight costs up to EUR 200 (up to EUR 500 under Superkasko), capped at the cost of the return trip home. No deductible applies. Standard in Superkasko; included for cars, motorcycles and campers under Isokasko and Osakasko; not included in Minikasko.
Driver Personal Accident Cover
Excluded
Casco (autovakuutus) does not cover personal injury to the driver or passengers. Such injuries are handled under the compulsory motor liability insurance (liikennevakuutus) and its optional Kriisiturva rider, which pays a lump sum on death and reimburses crisis therapy, travel/overnight and home-help costs following a road accident.
Key conditions
Driver age and experience limit
The casco terms do not impose a minimum driver age or licence-experience requirement as an eligibility or exclusion condition. The policyholder's age is, however, one of the rating factors used to calculate the liikennevakuutus and kasko premium.
Repair network requirements
The insurer has the right to designate the repair shop or place of acquisition; the policyholder must contact the insurer before repairs begin. If the vehicle is repaired at a shop other than a named Pohjola Vakuutus repair partner (e.g. Pohjola Korjaamomestari), the claim payment is capped at the amount the repair would have cost at the designated partner.
Territorial scope
Cover is valid throughout Europe and in Green Card agreement countries outside Europe, except the non-European part of Russia. Theft cover for private cars/motorcycles under Osakasko/Minikasko is not valid in Estonia, Latvia, Lithuania, Poland, Russia, Belarus, Ukraine or Moldova and cannot be extended there. Osakasko roadside assistance is valid only in Finland, Sweden, Norway and Denmark and transport between them.
Anti-theft requirements
For theft claims to be paid, the vehicle must have been locked as defined in the terms (closed and locked body for cars; a device preventing coupling/movement for trailers; ignition key removed plus steering/gear lock or electronic immobiliser for motorcycles/mopeds/ATVs) or kept in a locked storage facility. Trucks first registered for licensed transport after 1 January 2014 must carry an electronic immobiliser, otherwise an increased deductible applies. Light electric vehicles (e.g. e-scooters) must be kept in a locked storage facility or secured with a mechanical lock/electronic immobiliser outdoors.
Claim notification deadline
Fire, theft and vandalism damage, and collisions with any wild deer-type animal other than reindeer, must be reported immediately to the police at the place of loss; vehicles stolen or lost abroad must also be reported to the Finnish police. For theft, loss of the vehicle is compensated if it has not been recovered within 30 days of the insurer receiving a copy of the police report.
Deductible rules
Each claim carries a case-specific deductible stated on the policy document (e.g. from EUR 200 for collision cover per the 2023 product guide). Special increased deductibles of 25% of the loss apply for: obstacle-above-the-road damage on trucks/trailers/buses; theft of a truck lacking a required electronic immobiliser (min. the theft deductible, max EUR 10,000); and fire on a bus lacking the required automatic suppression system. Outside the Nordic countries the deductible for property damage is doubled, and for theft in Estonia, Latvia, Lithuania, Poland, Russia, Belarus, Ukraine or Moldova the deductible is 20% of the loss, minimum EUR 600.
Where to buy
Policy specifics
Interruption Insurance
Optional cover for vehicle replacement (rental car or daily allowance) during repair following covered damage
SourceGlass Insurance
Optional additional cover for sudden damage to vehicle windows caused by impact
SourceEnhanced Settlement (Superlunastus)
Optional additional cover providing improved settlement value if vehicle is salvaged following insured loss
SourceRental Car Coverage Abroad
Coverage for rental car costs during repair outside Finland but within ETA countries, covering standard-equipped rental vehicle
SourceLegal Expenses Insurance (Oikeusturvavakuutus)
Included in every tier of the casco line (Superkasko, Isokasko, Osakasko, Minikasko). Covers necessary and reasonable legal costs of the vehicle's owner, holder or driver in disputes, criminal cases and applications relating to ownership, driving or possession of the vehicle, up to EUR 10,000 per claim.
SourceDeductible Options
Policyholders can select deductible amounts which affect insurance premium calculation
SourceTerritorial Validity
Coverage validity is limited to specific geographical areas with different deductible terms applying abroad
SourceClaims Procedure
Specific procedures must be followed for claim notification and compensation determination in accordance with insurance conditions
SourceVehicle Storage Requirement
Vehicle must be stored in locked, covered location when not in use to maintain coverage validity
Source