Insurer profile
Fennia Mutual Insurance Company
Fennia Mutual Insurance Company is a Finnish, customer-owned (mutual) non-life insurer founded in 1882, offering statutory and voluntary insurance products to private households, entrepreneurs, and companies of all sizes. It is managed on the principle of mutuality, meaning clients are the owners. The Fennia Group also includes Fennia Life, specialising in voluntary life, pension, and savings insurance.
Source- Legal entity
- Fennia Mutual Insurance Company
- Headquarters
- Helsinki, Finland
- Regulator
- Financial Supervisory Authority (FIN-FSA)
- Phone
- +358 10 503 8808
- motorclaims@fennia.fi
- Last verified
- May 1, 2026
Products from Fennia Mutual Insurance Company
motor
Motor Third Party Liability Insurance (Traffic Insurance)
Mandatory statutory motor third-party liability insurance covering personal injuries and third-party property damage caused by the insured vehicle in traffic.
motor
Comprehensive Motor Insurance (Fenniakasko)
Voluntary comprehensive vehicle insurance (casco) covering damages to the insured vehicle from collisions, vandalism, theft, and natural events, available in partial and full casco variants.
motor
Electric Vehicle Insurance
Tailored motor insurance package for electric vehicles, combining traffic and casco insurance with coverage suited to EV-specific risks.
motor
Motorcycle Insurance
Insurance for motorcycles combining mandatory traffic insurance and optional casco coverage.
motor
Light Motorcycle Insurance
Insurance covering light motorcycles with traffic insurance and optional casco protection.
motor
Moped Insurance
Insurance for mopeds including mandatory traffic insurance and optional casco.
motor
Microcar Insurance
Insurance for microcars (mopoauto) including traffic liability and optional casco coverage.
motor
Motorhome Insurance
Comprehensive insurance for motorhomes covering traffic liability and optional casco risks.
motor
Caravan Insurance
Insurance for caravans covering damages and theft.
motor
Snowmobile Insurance
Insurance for snowmobiles including mandatory traffic insurance and voluntary casco coverage.
motor
Trailer Insurance
Insurance for trailers covering damage and theft.
motor
Hobby and Vintage Vehicle Insurance
Specialised casco insurance for hobby and historically registered vintage vehicles.
property
Home Insurance (Fenniaturva)
Comprehensive home insurance for apartments and houses covering building and contents against fire, theft, water damage, and other risks, including personal liability and legal expenses protection.
property
Summer Cottage Insurance
Insurance for summer cottages and holiday homes protecting against damage to the building and contents.
property
Forest Insurance
Insurance for privately owned forests covering storm, fire, and other damage to forest assets.
property
Boat Insurance
Insurance for pleasure boats covering fire, theft, accidental damage, and other risks at sea and in storage.
travel
Travel Insurance – Traveller Insurance
Travel insurance covering medical expenses, accidents, trip cancellation, interruption, and delay when travelling abroad or domestically, with 24h Reissuapu assistance service.
travel
Travel Insurance – Luggage Insurance
Luggage and travel belongings insurance covering loss, theft, and accidental damage to personal items during travel.
health
Personal Accident Insurance (Fenniaturva)
Voluntary accident insurance for adults covering medical costs and disability arising from accidents.
health
Health and Illness Insurance (Terveyden turva)
Voluntary health and illness insurance (Terveyden turva) covering medical examination and treatment costs due to illness in Finland, with FenniaHoitaja digital care service.
health
Child Illness Insurance
Health and illness insurance designed for children, covering medical costs arising from illness or accident.
health
Baby Insurance (Vauvavakuutus)
Insurance for newborns and infants covering illness and accident-related medical costs from birth.
life
Life Insurance (Fennia Henkiturva)
Term life insurance paying a lump sum to beneficiaries upon the insured's death, also available for entrepreneurs with a 30% first-period discount.
life
Pension Insurance (Fennia-Eläke)
Voluntary pension savings insurance offering long-term retirement savings solutions for individuals and entrepreneurs.
life
Savings and Investment Insurance
Unit-linked savings and investment insurance products allowing customers to invest in mutual funds within an insurance wrapper for flexible long-term wealth accumulation.
pet
Pet Insurance (Animal Insurance)
Pet insurance covering veterinary costs for illness and accidents, with optional add-ons such as physiotherapy; includes the FirstVet remote veterinary service.
property
Business Property and Operations Insurance (Yritysturva)
Commercial property insurance for businesses covering buildings, equipment, and inventory against fire, theft, water damage, and all-risks events.
property
Real Estate / Property Insurance for Companies
Property insurance for commercial real estate and housing company buildings, including all-risks options.
other
Business Interruption Insurance
Business interruption insurance compensating loss of profit and additional costs when business operations are halted due to property damage, dependency events, or key person accidents.
liability
Business Liability Insurance (Yritysturva)
Commercial liability insurance covering third-party bodily injury and property damage claims arising from business operations, products, consulting, or IT activities.
liability
Legal Expenses Insurance for Companies
Legal expenses insurance for businesses covering attorney costs in disputes related to business operations.
cyber
Cyber Insurance (Tietoturvavakuutus)
Cyber insurance for companies covering losses and costs arising from data breaches, cyber-attacks, and information security incidents.
health
Workers' Compensation Insurance (Statutory)
Statutory workers' compensation insurance covering employees for occupational accidents and diseases, as required by Finnish law.
health
Voluntary Leisure Time Accident Insurance for Employees
Voluntary accident insurance covering employees during leisure time in addition to the mandatory workers' compensation.
life
Group Life Insurance for Employees (Fennia-Ryhmähenkivakuutus)
Group life insurance for employees, providing a death benefit to the beneficiaries of employees who die during employment.
life
Group Pension Insurance (Fennia-Ryhmäeläke)
Group pension insurance enabling employers to provide supplementary pension savings for their employees.
motor
Company Vehicle Insurance
Fleet or individual vehicle insurance for businesses combining mandatory traffic liability and optional casco cover for company cars and work machines.
liability
Personal Liability Insurance
Personal liability insurance for private individuals covering damages caused to third parties, available as part of the home insurance package.
liability
Legal Expenses Insurance (Personal)
Personal legal expenses insurance covering attorney costs in disputes, available as part of the personal home insurance package.
other
Cargo / Transport Insurance for Companies
Transportation and cargo insurance for companies covering goods in transit against loss or damage.
financial
Loan Protection Insurance (Fennia Henkivakuutus)
Loan protection insurance offered through Fennia Henkivakuutus (formerly Sp-Henkivakuutus) in cooperation with savings banks, covering loan repayment in the event of death or incapacity.
Regulatory updates
Fennia Mutual Insurance Company is supervised by Finland's Financial Supervisory Authority (Finanssivalvonta / FIN-FSA), which oversees all Finnish insurance and pension companies. In 2025, the FIN-FSA conducted a thematic review of the valuation of deferred taxes in non-life and life insurance companies, noting company-specific differences. In 2024, the FIN-FSA reviewed boards of directors' handling of policyholder procedural issues at the largest non-life insurance companies and recommended increased attention to regulatory compliance of main service processes. No specific public sanctions or enforcement actions against Fennia were found for 2024–2026. Fennia remains an actively supervised and licensed non-life insurer in Finland.