POP Vakuutus Casco (own-damage car insurance) (Kaskovakuutus)

Covers sudden and unforeseen direct property damage caused by collision, impact, running off the road, overturning or a similar sudden external event; compensation is capped at the vehicle's fair value (käypä arvo) minus deductions. Only available in the L and XL casco tiers, not in S-kasko.

In a write-off situation the insurer redeems the vehicle. A new vehicle is redeemed at its new cash price if it is under 3 years old, has under 60,000 km and repair costs exceed 50% of the new price. Otherwise a used vehicle is redeemed at its pre-loss fair value plus 30% if repair costs exceed 60% of fair value, capped at the new vehicle's cash price. Only available in the XL casco tier.

Repairable collision/impact damage is primarily compensated by paying repair costs, capped at the fair value of the property before the loss minus its post-loss value and the deductible. Covered under the same Kolariturva peril as own_damage; only available in L and XL tiers.

Covers sudden and unforeseen direct property damage caused by theft, unauthorized use, joyriding or an attempt thereof, provided the vehicle was locked or in a locked storage space at the time. A police report is required and redemption of a stolen vehicle requires it not to have been found within 30 days of notification. Included in all three tiers (S, L, XL).

Covers sudden, unforeseen breakage of the windscreen, side window or rear window caused by a direct external impact (e.g. stone chip), where repair or replacement is necessary for road safety. The insurer may name a partner repair network; using a non-partner supplier triggers a higher deductible. No deductible is charged if the glass is repaired rather than replaced. Only available in L and XL tiers.

Covers damage to a stationary vehicle from a storm-felled tree or storm-detached object, hailstorm damage to exterior surfaces, and flood water rise while the vehicle is stationary with power disconnected. A storm is defined as wind of at least 21 metres per second. Only available in L and XL tiers.

Covers sudden, unforeseen direct property damage caused by intentional wilful damage, provided a police report has been filed; damage caused by another vehicle is excluded. Included in all three tiers (S, L, XL).

Covers towing to the nearest suitable garage when a trip is interrupted due to breakdown, theft, damage or running off the road. Additional travel/accommodation costs are reimbursed up to 500 EUR for interruptions in Finland and up to 1,000 EUR outside Finland. No deductible applies when towing is ordered through POP's own towing service; a deductible applies if another provider is used. For fully electric vehicles, the XL tier covers towing to the nearest charging point if the battery runs out. Included in all three tiers (S, L, XL); the age limit after which the cover ends is stated on the policy document.

Compensates lost use of the vehicle after a claimable casco loss (collision, animal collision, vandalism, fire, theft, parking damage or glass damage) or a technical breakdown, either as a cash payment of 50 EUR per full day or, by agreement, a rental car up to C-class. Compensation is paid for a maximum of 30 days, with special shorter maximum periods for technical faults (5 days) and redemption/lump-sum settlement (14 days); glass-related claims are compensated for up to 2 days, but none if the glass is repaired rather than replaced; tyre-related claims receive no trip-continuation compensation at all. Only available in the XL casco tier.