Turva Casco (own-damage car insurance) (Kaskovakuutus)
Underwritten by Keskinäinen Vakuutusyhtiö Turva · Finland
casco (own-damage car insurance) from Turva for the Finland market, with online purchase and 24/7 assistance.
Verified Aug 29, 2026 · Terms dated 2025-06-01Sources
Unique selling points
A 10% no-claim discount on collision cover applies from day one, without the years-long build-up required by a traditional bonus system.
Liittokasko is a casco package for trade-union members that includes the extended replacement-car benefit as standard.
Täyskasko is aimed at drivers who spend a lot of time on the road and specifically want glass-damage protection included.
The extended replacement-car benefit is Liittokasko's standout feature, delivering a replacement vehicle in as little as an hour.
A 24/7 emergency and claims hotline for vehicle damage provides around-the-clock assistance.
Coverage limits
Collision cover (Kolarointivakuutus)
Covered
Covers sudden and unforeseen physical damage to the insured vehicle caused by leaving the road, overturning, impact, collision, falling or similar sudden external cause. Compensation is capped at the vehicle's market value (käypä arvo), not a fixed sum.
Total loss / redemption settlement
Covered
If repair costs reach at least two-thirds of the vehicle's pre-loss market value, Turva may (but is not obliged to) redeem the vehicle at its market value. An optional enhanced Redemption benefit (Lunastusetu) can pay the cash price of an equivalent new vehicle or market value plus up to 30%.
Partial damage repair costs
Covered
Necessary and appropriate repair costs are covered. If worn or corroded parts are replaced with new ones and the vehicle's condition materially improves, only the portion of costs needed to restore the pre-loss condition is paid.
Theft insurance (Varkausvakuutus)
Covered
Covers loss of or damage to the vehicle from theft, joyriding, unauthorised use, or attempts thereof, provided the vehicle was locked or kept in a locked/guarded storage facility. The vehicle is treated as permanently lost only if it is not found within 30 days of Turva receiving the theft report and a police report has been filed.
Glass damage (Lasivakuutus)
Optional
Covers windscreen, side or rear window breakage caused by a direct impact to the glass. No deductible applies if the glass is repaired rather than replaced. Marketed as a defining feature of the Täyskasko combination for drivers who want glass protection, while it is an optional addition to lighter combinations.
Natural phenomena cover (Luonnonilmiövakuutus)
Optional
Covers damage caused directly by a wind-felled tree or other object, hail on the vehicle's exterior surfaces, or rising water level while the vehicle is parked.
Vandalism (Ilkivaltavakuutus)
Covered
Covers damage intentionally caused to the vehicle by a third party, where the perpetrator's explicit intention was to damage the vehicle. A police report is required.
Towing and travel cost assistance (Autopalveluvakuutus)
Optional
Covers towing to the nearest suitable repair shop and reasonable additional travel/accommodation costs when a journey is interrupted by breakdown, accident, a flat tyre, or (for private cars) running out of fuel/charge in Finland; no deductible applies. Extra costs in Finland are capped at 400 EUR per event, abroad at 2,000 EUR, and truck/trailer towing at 3,500 EUR per event. Valid abroad only in the Liittokasko, Turvakasko, MP Turvakasko, Peruskasko and Kaikenvara combinations.
Replacement vehicle (Sijaisautovakuutus / Laaja sijaisautovakuutus)
Optional
Provides a rental replacement vehicle of a comparable class (max a C-segment estate car, or a van up to 9 m3 load space) while the insured vehicle is repaired following a covered loss. Maximum duration is 30 days for standard property-insurance claims, 14 days for most redemption cases, 30 days for theft-related redemption, and 8 days under the extended version for technical-fault-only claims. Rental is only available within Finland. Marketed as included by default in Liittokasko, where it is delivered in as little as an hour.
Key conditions
Driver age and experience limit
The reviewed policy terms and IPID do not state a specific minimum driver age or driving-experience requirement for casco cover.
Repair network requirements
Turva has the right to designate the repair shop or supplier used for repairs; Turva does not act as the party commissioning the repair and is not responsible for the quality of the work performed or parts used.
Anti-theft requirements
Theft cover applies only if the vehicle was locked or stored in a locked/guarded facility; keys, the registration certificate's notification section and electronic certificates must not be kept inside the vehicle or in an unlocked place where an outsider could expect to find them.
Claim notification deadline
Theft, vandalism, moose-collision and fraud losses must be reported to the police without delay. Compensation must in any case be sought from Turva within one year of learning of the event and the resulting loss, and no later than 10 years after the loss occurred.
Deductible rules
A claim-type-specific deductible stated in the policy schedule is deducted from each loss; if theft and vandalism occur in the same event, only the single highest applicable deductible is deducted; theft losses occurring in a list of Baltic/Eastern European and other named countries carry a deductible of 20% or 40% of the loss amount (subject to stated minimums); glass damage carries no deductible if the glass is repaired instead of replaced; the roadside-assistance (autopalvelu) cover has no deductible at all.
Direct payment
Turva has the right to designate the repair shop or supplier used for repairs; Turva does not act as the party commissioning the repair work and is not responsible for the quality of the work or parts used, and settles claims either by paying the actual invoiced repair costs or an agreed estimated amount directly.
Territorial scope
Valid throughout Europe and in non-EEA Green Card countries, but not in Russia, Belarus or Iran; yellow test-plate cover is valid only in Finland, Sweden, Norway and Denmark; theft and fraud cover for driverless rental vehicles does not apply in a long list of Eastern European and other named countries.
Documents
Casco insurance terms and conditions (effective 1.6.2025) (opens in a new tab)
Terms & conditions · PDF
Casco insurance product information document (IPID) (opens in a new tab)
Product information sheet · PDF
Motor and casco insurance guide (opens in a new tab)
Other document · PDF
Terms and conditions / guides overview page (opens in a new tab)
Other document · PDF
Policy specifics
Glass damage coverage
Optional additional coverage for windshield and window glass damage, available as add-on to certain casco packages
SourceReplacement car benefit (Sijaisautoetu)
Benefit providing a replacement vehicle while the insured vehicle is repaired following a covered loss, maximum 30 days.
SourceClause 4.3.3.1Page 12Section: 4 Varallisuusvakuutukset > 4.3 Sijaisautovakuutus / Laaja sijaisautovakuutus > 4.3.3.1 Enimmäiskorvausaika
Vakuutustapahtumissa, jotka korvataan vain autopalveluvakuutuksen perusteella (tekninen vika), vakuutetulla on oikeus sijaisauton käyttöön enintään kahdeksan päivän ajan.
Salvage/Redemption benefit (Lunastusetu)
Optional benefit that, on a total loss, pays the new-car cash price (vehicle under 3 years, under 60,000 km) or otherwise market value increased by up to 30%.
SourceClause 3.8.2.2Page 8Section: 3 Esinevakuutukset > 3.8 Uusarvoetu / Lunastusetu > 3.8.2 Lunastusetu > 3.8.2.2 Korvauksena käypä arvo lisättynä enintään 30 prosentilla
Jos ajoneuvo ei täytä Lunastusedun mukaisen uuden ajoneuvon korvauksen ehtoja, Lunastusetuvakuutuksen mukaisessa korvauksessa maksetaan kohdassa 6.5.3 määritelty ajoneuvon käypä arvo enintään 30 % korotettuna.
Parking coverage (Pysäköintiturva)
Covers direct damage to a parked vehicle caused by another, unidentified motor vehicle; does not cause loss of bonus.
SourceClause 3.12Page 9Section: 3 Esinevakuutukset > 3.12 Pysäköintivakuutus
Pysäköintivakuutuksesta korvataan pysäköidylle ajoneuvolle aiheutunut suoranainen esinevahinko, kun vahinko on aiheutettu toisella moottoriajoneuvolla ja kun vahingon aiheuttaja ei ole tiedossa.
Towing and travel costs (Hinaus- ja matkakulut)
Coverage for vehicle towing to nearest repair shop and related travel costs when journey interrupted by mechanical failure, breakdown, tire damage, or accident
SourceClause 4.1.5.3Page 11Section: 4 Varallisuusvakuutukset > 4.1 Autopalveluvakuutus > 4.1.5.3 Matka-, nouto- ja muut ylimääräiset kustannukset Suomessa
Matkakustannuksia tai muita matkan keskeytymisestä aiheutuneita ylimääräisiä kustannuksia korvataan yhteensä enintään 400 € yhtä vakuutustapahtumaa kohti.
New-value benefit (Uusarvoetu)
Available in MP Turvakasko, Turvakasko for commercial-use cars/vans, and Turvakasko for private cars taken out before 1 Nov 2011, for factory-new vehicles. Pays the cash purchase price of an equivalent new vehicle if the car is under 1 year old (from first registration), has been driven under 25,000 km, and estimated repair costs reach at least 50% of the new-car cash price.
SourceRedemption benefit (Lunastusetu)
When the vehicle is a total loss, pays the cash price of an equivalent new vehicle if it is under 3 years old, driven under 60,000 km and repair costs reach at least 50% of the new-car price; otherwise pays market value plus up to 30%.
SourceNo-claim discount (Vahingottomuusalennus)
10% discount on collision coverage for accident-free driving, earned from first kilometer; discount lost if claim occurs and must be re-earned over 2 years without incidents
SourceSection: Millainen autovakuutus sopii minulle? > Mikä on omavastuu vahinkotilanteessa?
Kun otat uuden ajoneuvovakuutuksen, saat kolarointivakuutuksesta 10 % vahingottomuusalennuksen. Jos vakuutuksesta korvataan kolarointivahinko, alennus poistuu. Ansaitset sen takaisin kahden vuoden vahingottomalla ajolla.
Coverage area (Europe + Green Card countries, with exclusions)
Insurance valid throughout Europe and in non-EEA Green Card member countries, with specific exclusions for Russia, Belarus, and Iran; yellow license plate vehicles limited to Nordic countries
SourceDeductible (Omavastuu)
Policyholder-selected deductible amount applied per claim; replacement car benefit includes 3-day waiting period as deductible time
SourceVehicle security requirements (Suojausvapaus)
Theft and fraud coverage requires vehicle to be locked or stored in secured location; damage during theft covered only if these security measures maintained
SourceExcluded damage types
Policy excludes gradual deterioration (wear, moisture, rust, mold, rot), damage from wrong fuel, water damage on partially submerged roads, and damage from participation in racing or training
SourceElevated deductibles for theft abroad
For theft losses occurring in Latvia, Lithuania, Poland, Slovakia, the Czech Republic or Estonia, the deductible is always 20% of the loss, at least the policy's stated euro deductible; in a further list of countries (e.g. Albania, Armenia, Bulgaria, Romania, Turkey, Ukraine, Hungary) it is always 40% of the loss, at least four times the basic deductible.
SourceSources
Turva Casco (own-damage car insurance)