Insurer profile
IF P&C Insurance Ltd (publ), branch in Finland
If P&C Insurance is the largest non-life insurer in the Nordic region, operating in Finland as a branch of the Swedish parent IF P&C Insurance Ltd (publ). The company offers a comprehensive range of personal, commercial, and industrial insurance products and is owned by Finnish Sampo plc.
Source- Legal entity
- IF P&C Insurance Ltd (publ), branch in Finland
- Headquarters
- Stockholm, Sweden (Finnish branch: Espoo, Finland)
- Parent group
- Sampo plc
- Regulator
- Finnish Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
- Phone
- +358 10 19 15 15
- asiakaspalvelu@if.fi
- Last verified
- May 1, 2026
Products from IF P&C Insurance Ltd (publ), branch in Finland
motor
Motor Third Party Liability Insurance (Traffic Insurance)
Mandatory statutory motor third-party liability insurance covering personal injuries and third-party property damage caused in traffic.
motor
Car Insurance (Casco)
Comprehensive or partial casco insurance for private cars, covering collision, theft, fire, and other vehicle damage.
motor
Van Insurance
Casco and traffic insurance for vans, with the same bonus and benefits as the car insurance.
motor
Motorcycle Insurance
Traffic and voluntary casco insurance for motorcycles.
motor
Moped Insurance
Seasonal traffic and voluntary casco insurance for mopeds with parking-period discount.
motor
Snowmobile Insurance
Year-round traffic and optional casco insurance for snowmobiles, billed monthly.
motor
ATV / Quad Bike Insurance
Traffic and voluntary casco insurance for ATVs and quad bikes.
motor
Motorhome Insurance
Traffic and voluntary casco insurance for motorhomes and caravans.
motor
Caravan / Trailer Insurance
Traffic and voluntary casco insurance for caravans and trailers.
motor
Truck / Heavy Vehicle Insurance
Traffic and voluntary casco insurance for trucks and heavy commercial vehicles.
motor
Classic / Museum Vehicle Insurance
Specialist casco and traffic insurance for classic and museum-registered vehicles.
property
Home Insurance (Apartment / Row House)
Home contents insurance for apartments and row houses, covering damage from fire, water, theft, and liability.
property
Home Insurance (Detached House)
Home and building insurance for detached houses, with optional maintenance plan service.
property
Summer Cottage / Holiday Home Insurance
Insurance for summer cottages and holiday homes covering buildings and contents.
property
Investment Property / Landlord Insurance
Insurance for landlords covering investment apartments against damage and rental income loss.
property
Forest Insurance
Insurance for commercial and private forests against storm, fire, and other sudden damage.
travel
Travel Insurance (Traveller's Insurance)
Continuous or single-trip travel insurance covering medical expenses abroad, travel cancellation, and delays.
travel
Luggage / Baggage Insurance
Insurance covering theft and damage to personal luggage and belongings during travel.
health
Accident Insurance (Adult)
Accident insurance for adults from age 15, covering medical costs for injuries worldwide.
health
Extended Accident Insurance
Extended accident insurance also covering overuse injuries, sprains, and sports-related conditions.
health
Health Insurance (Sickness Insurance)
Sickness insurance covering healthcare costs in Finland, with access to a direct reimbursement network of private clinics.
health
Critical Illness Cover
Lump-sum payment of €20,000–€50,000 upon diagnosis of one of 10 most common serious illnesses.
life
Life Insurance
Term life insurance paying a lump sum to beneficiaries in the event of the policyholder's death; also available as couple coverage.
health
Income Protection / Daily Allowance Cover
Monthly benefit paid if the insured is on sick leave due to illness or injury.
health
Child Insurance
Comprehensive insurance for children from age 7 days, covering accidents, illness, and hospitalisation.
health
Baby Insurance
Insurance for unborn babies from week 11 of pregnancy onwards.
health
Sports Insurance
Supplementary insurance for competitive athletes over 12 years old, covering sports-specific risks.
property
Boat / Watercraft Insurance
Insurance for boats and watercraft covering damage, theft, and liability.
pet
Dog Insurance
Insurance for dogs covering veterinary costs, accidents, and illness, with direct reimbursement at over 30 locations.
pet
Cat Insurance
Insurance for cats covering veterinary costs and illness.
pet
Horse Insurance
Insurance for horses covering veterinary costs, accidents, and death.
property
Business Property Insurance
Insurance for business premises, machinery, equipment, and inventory against fire, theft, water damage, and other sudden perils.
property
Business Interruption Insurance
Covers lost revenue and fixed costs when business operations are halted due to a property damage event.
liability
Business General Liability Insurance
General liability insurance for businesses covering personal injury and property damage caused to third parties through company operations.
liability
Product Liability Insurance
Insurance covering damages caused by defective products, including recall costs.
liability
Legal Expenses Insurance (Business)
Business legal expenses insurance covering attorney fees and litigation costs in disputes.
cyber
Cyber Insurance (Data Security Insurance)
Cyber insurance providing financial protection if business data security is compromised.
health
Statutory Workers' Accident Insurance
Mandatory employer's accident insurance covering employees for work accidents, commuting injuries, and occupational diseases.
health
Business Health Insurance
Group health insurance for entrepreneurs and employees covering medical and treatment costs.
other
Cargo / Goods in Transit Insurance
Insurance for goods transported by road, sea, or air, covering damage or loss during transit.
other
IPR Insurance (Intellectual Property Rights)
Insurance protecting businesses against risks related to intellectual property rights, including patents, trademarks, and inventions.
Regulatory updates
If P&C Insurance Ltd (publ) operates in Finland as a registered foreign branch (sivuliike) under the supervision of the Finnish Financial Supervisory Authority (Finanssivalvonta). In 2024–2025, FIN-FSA focused on the soundness of insurance companies' governance, including assessment of policyholder procedural handling and board-level compliance reviews. No specific sanctions or regulatory actions against If were found. FIN-FSA's 2025 supervisory priorities include governance quality, operational resilience, IT/cyber risks, and ESG risks.