Insurer profile
Pohjantähti Mutual Insurance Company
Pohjantähti Mutual Insurance Company · Finland
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.
Source52
Products in this market
3
Offer pages
Company details
- Regulator
- Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
- Phone
- +358 20 763 4010
- [email protected]
Products from Pohjantähti Mutual Insurance Company
Motor8
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.
Property21
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.
Health5
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.
Liability7
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.
IT Liability Insurance for Businesses
Liability insurance for businesses providing IT services or products.
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.
Crime Insurance for Businesses
Insurance protecting businesses against losses from crime such as fraud or embezzlement.
Travel3
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.
Pet4
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.
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.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from Pohjantähti 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 Pohjantähti for the Finland market, with online purchase.
Last verified Aug 29, 2026
Travel insurance
travel insurance from Pohjantähti for the Finland market, with 24/7 assistance.
Last verified Aug 29, 2026