Insurer profile

Pohjantähti Mutual Insurance Company

Pohjantähti Mutual Insurance Company · Finland

Founded 1895Hämeenlinna, FinlandLast verified Aug 29, 2026

Overview

Pohjantähti is a Finnish mutual non-life insurance company headquartered in Hämeenlinna, founded in 1895. It serves personal and business customers through nearly 30 offices across Finland, offering a full range of home, motor, life, health, pet, forestry and business insurance products, and is owned by its policyholders.

Source

Products in this market

Offer pages

Company details

Regulator: Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
Phone: +358 20 763 4010
Email: [email protected]

Official website

Products from Pohjantähti Mutual Insurance Company

Motor

Car Insurance (Ajoneuvoturva)

Voluntary vehicle casco insurance, branded Ajoneuvoturva, available as Luottokasko or Malttikasko variants.

Motor Third-Party Liability Insurance

Statutory motor liability insurance required for all vehicles used in traffic, covering property and personal damage caused to others.

Caravan Insurance

Insurance cover for caravans.

Motorhome Insurance

Insurance cover for motorhomes.

Motorcycle Insurance

Casco and liability insurance for motorcycles.

Moped Insurance

Casco and liability insurance for mopeds.

Jet Ski Insurance

Insurance cover for jet skis / personal watercraft.

Business Vehicle Insurance

Combined MTPL and casco vehicle insurance for company-owned vehicles, called Ajoneuvoturva.

Property

Home Insurance

Comprehensive home insurance covering buildings, household contents, apartments and more, customizable to the customer's living situation.

Detached House Insurance

Insurance for detached houses, which can be combined with the unique RakennusPlus supplementary cover.

Rental Home Insurance

Home contents insurance designed for tenants living in rental apartments.

Student Home Insurance

Affordable home insurance tailored to students' needs.

Cottage Insurance

Insurance for leisure homes/cottages covering contents and buildings, extendable with RakennusPlus cover.

Builder's Insurance

Insurance cover for people building their own home during construction.

Forest Insurance

Insurance protecting forest property against storm, fire and other damage.

Boat Insurance

Insurance covering damage, theft and liability for boats.

Apartment Insurance

Insurance for housing company apartment shares, covering fixtures owned by the shareholder.

Household Contents Insurance (Tähtiturva)

Movable property insurance product named Tähtiturva covering household contents.

Building Insurance

Insurance covering damage to residential buildings.

Property Insurance for Businesses

Commercial property insurance covering business assets, equipment and buildings.

Building Insurance for Businesses

Commercial building insurance for business-owned real estate.

Business Interruption Insurance

Insurance covering loss of income due to business interruption following a covered property loss.

Basic Transport Insurance for Businesses

Basic cargo/transport insurance for goods in transit.

Full Transport Insurance for Businesses

Comprehensive cargo/transport insurance for goods in transit.

Money-in-Transit Insurance for Businesses

Insurance covering money being transported for a business.

Cash Safekeeping Insurance for Businesses

Insurance covering money kept in safekeeping at business premises.

Cold Storage Product Insurance for Businesses

Insurance covering losses of refrigerated/frozen goods due to spoilage.

Glass Insurance for Businesses

Insurance covering breakage of glass and signs at business premises.

Business Forest Insurance

Forest property insurance for business/forestry entities.

Health

Baby Insurance

Accident and illness insurance for infants.

Child Insurance

Accident and illness insurance for children.

Health Insurance

Health/medical expense insurance covering costs related to illness and treatment; a renewed Terveysvakuutus product was launched in 2025.

Accident Insurance

Personal accident insurance for individuals.

Statutory Personnel Insurance (Occupational Accident)

Statutory occupational accident and disease insurance for employers, covering medical costs, daily allowance and accident pension.

Liability

Liability and Legal Expenses Insurance

Personal liability insurance combined with legal expenses cover, often bundled with home insurance.

Company Liability Insurance

Liability insurance protecting businesses against claims for damage caused to third parties.

Consultant Liability Insurance for Businesses

Professional liability insurance for consulting businesses.

Road Transport Liability Insurance for Businesses

Liability insurance for road hauliers covering damage to goods transported.

Business Legal Expenses Insurance

Legal expenses insurance for businesses facing legal disputes.

Travel

Travel Insurance

Travel insurance covering medical expenses and other incidents while travelling abroad or domestically.

Luggage Insurance

Insurance covering loss or damage to luggage while travelling.

Business Luggage Insurance

Insurance covering business travellers' luggage.

Life

Life Insurance

Life insurance providing financial security to beneficiaries in the event of death, offered together with partner Mandatum.

Life and Critical Illness Insurance via Mandatum

Since September 2025, Pohjantähti offers Mandatum's life, critical illness and disability insurance products to personal and small business customers.

Financial

Personnel Interruption Insurance for Businesses

Insurance covering financial loss to a business due to the incapacity of key personnel.

Statutory Pension Insurance via Ilmarinen

Statutory employee (TyEL) and entrepreneur (YEL) pension insurance offered through partner Ilmarinen.

Pet

Pet Insurance

Insurance for dogs and cats covering veterinary costs, with optional pet-owner liability cover.

Puppy Insurance

Insurance designed for young puppies from 6 weeks of age.

Jokakuonon Pet Insurance

A comprehensive pet insurance product with no breed exclusions, valid up to 15 years of age and including free remote vet visits.

Active Pet Insurance

Pet insurance tailored for pets used in hobbies/competitions.

Cyber

IT Liability Insurance for Businesses

Liability insurance for businesses providing IT services or products.

Crime Insurance for Businesses

Insurance protecting businesses against losses from crime such as fraud or embezzlement.

Other

Horse Insurance

Insurance covering veterinary costs and loss for horses.

Entrepreneur Insurance

A range of insurance products for entrepreneurs covering personnel, property and business operations, with a named contact person.

Regulatory updates

In May 2018, the FIN-FSA appointed an authorised representative (Pekka Jaatinen) to oversee Pohjantähti's ongoing activities following governance concerns related to an extraordinary general meeting held in October 2017. That oversight ended on 10 February 2020, with the FIN-FSA concluding that management of the company's affairs had evolved such that grounds for continued oversight no longer existed. A related criminal investigation targeted a small number of individuals (not the company itself), leading to charges against several people in 2019; the company stated the matter did not affect its operations or customer relationships. Pohjantähti has since continued to report strong solvency (well above 270% at points) and steady growth, and remains supervised by Finanssivalvonta under normal ongoing supervision.