Turva

Covers direct property damage immediately caused by the vehicle running off the road or overturning, impact, collision, fall or other sudden external cause; also covers a truck's sudden unforeseeable overturning while loading/unloading. Deductible recorded in the insurance policy. A claim under collision coverage reduces the bonus.

Uusarvoetu (new-value benefit): If the vehicle is up to 1 year old, driven up to 25,000 km, and repair costs are at least 50% of the new vehicle price, compensation equals the new purchase price. Lunastusetu: If conditions are met (up to 3 years old, up to 60,000 km, repair costs ≥50% of new price), compensation equals the new purchase price; otherwise, the fair market value is paid increased by up to 30%. The upper limit of total compensation is the new vehicle's current cash price.

Under the property insurance sections (collision, fire, theft, vandalism, natural perils, etc.), direct property damage is compensated at fair market value up to the vehicle's fair market value. Repair costs are paid for necessary and proportionate repairs. If repair costs reach at least 2/3 of the vehicle's pre-incident fair market value, Turva has the right (but not the obligation) to redeem the vehicle at fair market value.

Covers loss or damage to the insured vehicle caused by theft, joyriding, unauthorised use or attempts thereof, provided the vehicle was locked or stored in a locked facility. Police report required. Total loss of the vehicle compensated if neither the insured nor police/customs has news of the vehicle within 30 days of Turva's notification. Enhanced deductible applies for theft in listed high-risk countries (e.g. 20% in Latvia, Lithuania, Poland, Slovakia, Czech Republic, Estonia; 40% in other listed countries). Theft claims do not reduce the bonus.

Covers the vehicle's window glass (windscreen, side windows, rear window) if broken by a direct impact. No deductible if the glass is repaired (not replaced). Deductible applies if glass is replaced and is recorded in the insurance policy. Glass claims do not reduce the bonus. Roof glass and light covers are not included.

Covers direct property damage immediately caused by: a tree felled by wind onto the vehicle, an object blown off by wind onto the vehicle, hail on the vehicle's exterior surfaces, or rising water level while the vehicle is parked. Lightning damage is covered under fire insurance (section 3.4). Natural perils claims do not reduce the bonus. Excludes damage from water while driving on a flooded road, weight of ice or snow, frost, rain, heat, or slowly developing events.

Covers direct property damage to the insured vehicle caused by an intentional act of damage where the perpetrator's express purpose was to damage the insured object. Police report required. Vandalism claims do not reduce the bonus. Excludes damage caused by another vehicle (covered under collision), contaminated/incorrect fuel, and damage where the time and place of the event cannot be determined.

Covers reasonable extra costs arising from an interrupted journey if caused by: the vehicle running off the road or overturning, a vehicle fault or damage, theft/joyriding of a locked vehicle, or fuel/energy running out (private passenger car, Finland only). Covers towing/lifting costs, transport to nearest suitable repair shop, and travel/accommodation costs for driver and passengers up to EUR 400 per event in Finland or EUR 2,000 abroad. No deductible. Truck and heavy trailer towing capped at EUR 3,500 per event. Valid in Finland for partial casco (osakasko) roadside assistance; valid abroad only in Liittokasko, Turvakasko, MP Turvakasko, Peruskasko and Kaikenvara.

Sijaisautovakuutus (replacement car insurance) for private-use passenger cars and vans of private customers: covers rental car costs for lost use days due to a covered property insurance event. Maximum 30 days per event (14 days for total-loss cases other than theft). Replacement car is a standard C-segment car or up to 9 m³ cargo van. Laaja sijaisautovakuutus (extended replacement car insurance): also covers technical breakdown (autopalveluvakuutus event), up to 8 days for pure breakdown. Both valid for rental in Finland only. Deductible recorded in the insurance policy.