Insurer profile
If P&C Insurance Ltd (publ), branch in Finland
If P&C Insurance Ltd (publ), branch in Finland · Finland
Overview
If is the branch operation in Finland of If P&C Insurance, the largest property and casualty insurer in the Nordic region, wholly owned by Finnish-listed Sampo plc. In Finland, If holds around a 26% market share and offers a comprehensive range of personal, commercial and industrial insurance products. In 2025 the Danish insurer Topdanmark was merged into If, expanding the group's Nordic footprint.
Source41
Products in this market
3
Offer pages
Company details
- Parent group
- Sampo plc (via If P&C Insurance Holding / If Skadeförsäkring AB)
- Regulator
- Finnish Financial Supervisory Authority (FIN-FSA / Finanssivalvonta), Snellmaninkatu 6, Helsinki
- Phone
- +358 10 19 15 15
- [email protected]
Products from If P&C Insurance Ltd (publ), branch in Finland
Motor11
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.
Car Insurance (Casco)
Comprehensive or partial casco insurance for private cars, covering collision, theft, fire, and other vehicle damage.
Van Insurance
Casco and traffic insurance for vans, with the same bonus and benefits as the car insurance.
Motorcycle Insurance
Traffic and voluntary casco insurance for motorcycles.
Moped Insurance
Seasonal traffic and voluntary casco insurance for mopeds with parking-period discount.
Snowmobile Insurance
Year-round traffic and optional casco insurance for snowmobiles, billed monthly.
ATV / Quad Bike Insurance
Traffic and voluntary casco insurance for ATVs and quad bikes.
Motorhome Insurance
Traffic and voluntary casco insurance for motorhomes and caravans.
Caravan / Trailer Insurance
Traffic and voluntary casco insurance for caravans and trailers.
Truck / Heavy Vehicle Insurance
Traffic and voluntary casco insurance for trucks and heavy commercial vehicles.
Classic / Museum Vehicle Insurance
Specialist casco and traffic insurance for classic and museum-registered vehicles.
Property8
Home Insurance (Apartment / Row House)
Home contents insurance for apartments and row houses, covering damage from fire, water, theft, and liability.
Home Insurance (Detached House)
Home and building insurance for detached houses, with optional maintenance plan service.
Summer Cottage / Holiday Home Insurance
Insurance for summer cottages and holiday homes covering buildings and contents.
Investment Property / Landlord Insurance
Insurance for landlords covering investment apartments against damage and rental income loss.
Forest Insurance
Insurance for commercial and private forests against storm, fire, and other sudden damage.
Boat / Watercraft Insurance
Insurance for boats and watercraft covering damage, theft, and liability.
Business Property Insurance
Insurance for business premises, machinery, equipment, and inventory against fire, theft, water damage, and other sudden perils.
Business Interruption Insurance
Covers lost revenue and fixed costs when business operations are halted due to a property damage event.
Health10
Accident Insurance (Adult)
Accident insurance for adults from age 15, covering medical costs for injuries worldwide.
Extended Accident Insurance
Extended accident insurance also covering overuse injuries, sprains, and sports-related conditions.
Health Insurance (Sickness Insurance)
Sickness insurance covering healthcare costs in Finland, with access to a direct reimbursement network of private clinics.
Critical Illness Cover
Lump-sum payment of €20,000–€50,000 upon diagnosis of one of 10 most common serious illnesses.
Income Protection / Daily Allowance Cover
Monthly benefit paid if the insured is on sick leave due to illness or injury.
Child Insurance
Comprehensive insurance for children from age 7 days, covering accidents, illness, and hospitalisation.
Baby Insurance
Insurance for unborn babies from week 11 of pregnancy onwards.
Sports Insurance
Supplementary insurance for competitive athletes over 12 years old, covering sports-specific risks.
Statutory Workers' Accident Insurance
Mandatory employer's accident insurance covering employees for work accidents, commuting injuries, and occupational diseases.
Business Health Insurance
Group health insurance for entrepreneurs and employees covering medical and treatment costs.
Liability3
Business General Liability Insurance
General liability insurance for businesses covering personal injury and property damage caused to third parties through company operations.
Product Liability Insurance
Insurance covering damages caused by defective products, including recall costs.
Legal Expenses Insurance (Business)
Business legal expenses insurance covering attorney fees and litigation costs in disputes.
Travel2
Pet3
Dog Insurance
Insurance for dogs covering veterinary costs, accidents, and illness, with a 24/7 free vet chat/phone helpline (Eläinapu).
Cat Insurance
Insurance for cats covering veterinary costs and illness.
Horse Insurance
Insurance for horses covering veterinary costs, accidents, and death.
Other2
Cargo / Goods in Transit Insurance
Insurance for goods transported by road, sea, or air, covering damage or loss during transit.
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, Business ID 1602149-8) under the supervision of the Finnish Financial Supervisory Authority (Finanssivalvonta), with its Finnish insurance contracts governed by the Insurance Contracts Act and other Finnish legislation. In 2025-2026 Finanssivalvonta's supervisory focus for insurers included governance quality, climate/environmental risk management, and, most recently, assessment of insurance and pension providers' preparedness for extreme market conditions (solvency management, stress-testing coverage, liquidity management, and asset-liability matching). No company-specific sanctions or enforcement actions against If were identified. Corporately, in 2024 If (via parent Sampo) acquired Danish insurer Topdanmark, which was integrated into If as one company from 1 July 2025, increasing If's market share in Denmark to roughly 21%.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from If for the Finland market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026
Motor third-party liability
motor third-party liability insurance from If for the Finland market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026
Travel insurance
travel insurance from If for the Finland market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026