Insurer profile
Pohjola Insurance Ltd
Pohjola Insurance Ltd is Finland's leading non-life insurer, part of OP Financial Group, offering vehicle, home, property, health, travel, and corporate insurance to over 2.5 million private and corporate customers. Officially renamed from OP Insurance Ltd to Pohjola Insurance Ltd on 1 June 2019.
Source- Legal entity
- Pohjola Insurance Ltd
- Headquarters
- Helsinki, Finland
- Parent group
- OP Financial Group (OP Osuuskunta)
- Regulator
- Financial Supervisory Authority (FIN-FSA)
- Phone
- +358 3030 303
- viestinta@op.fi
- Last verified
- May 1, 2026
Products from Pohjola Insurance Ltd
motor
Motor Third Party Liability Insurance (Traffic Insurance)
Mandatory statutory third-party liability insurance for all motor vehicles, covering personal injury and property damage caused to third parties.
motor
Partial Casco Insurance (Osakasko)
Voluntary partial casco insurance covering fire, theft, and animal collision damage to the insured vehicle.
motor
Light Casco Insurance (Kevytkasko)
Mid-level voluntary casco insurance extending partial casco coverage with additional protection including collision and parking damage.
motor
Super Casco Insurance (Superkasko)
Comprehensive casco insurance for newer vehicles providing the broadest coverage including windscreen, parking damage, and redemption benefit.
property
Home Insurance
Insurance for the home and household contents covering fire, water damage, theft and other damage.
property
Leisure Cottage Insurance (Mökkivakuutus)
Insurance for summer cottages and leisure properties covering fire, storm, water and other damage.
health
Personal Accident Insurance
Covers costs and disability arising from accidents, including sports injuries and other sudden unforeseeable events.
health
Child Insurance (Lapsivakuutus)
Accident and illness insurance for children providing compensation for treatment costs, disability, and hospital stays.
health
Baby Insurance (Vauvavakuutus)
Comprehensive insurance for newborns covering accidents, illnesses, and congenital conditions from birth.
health
Medical Expenses Insurance (Sairaskuluvakuutus)
Covers medical treatment costs for illnesses and accidents, reducing out-of-pocket healthcare expenses.
life
Life Insurance (Henkivakuutus)
Term life insurance issued by OP Life Assurance Company Ltd, providing a lump-sum payment to beneficiaries upon the policyholder's death.
health
Critical Illness Insurance (Vakavan sairauden vakuutus)
Issued by OP Life Assurance Company Ltd, pays a lump sum upon diagnosis of a serious illness such as cancer, heart attack, or stroke.
travel
Travel Insurance (Matkavakuutus)
Covers illness, accidents and emergency assistance when travelling abroad or domestically, available as continuous or single-trip cover.
travel
Baggage Insurance (Matkatavaravakuutus)
Covers loss of, theft of, or damage to personal belongings carried during travel.
travel
Domestic Travel Insurance (Kotimaan matkavakuutus)
Continuous travel insurance valid for domestic trips within Finland.
other
Pet Insurance (Lemmikkivakuutus)
Insurance for pets including dogs and cats covering veterinary costs for illness and accidents.
property
Forest Insurance (Metsävakuutus)
Insurance covering forest and timber assets against storm, fire, snow damage and other losses.
property
Special Corporate Insurance (Compact Package)
All-in-one insurance package for small businesses covering property, liability and interruption based on company net sales.
property
Corporate Property Insurance
Covers fixed and movable assets of companies against fire, burglary, water damage, and other property losses.
property
Equipment Insurance
Covers company equipment carried by employees against sudden and unforeseeable damage or loss, valid worldwide.
liability
General Liability Insurance (Vastuuvakuutus)
Covers companies for third-party bodily injury and property damage claims arising from business operations.
health
Workers' Compensation Insurance (Työtapaturmavakuutus)
Statutory insurance covering employees for accidents at work, on the commute, and occupational diseases.
property
Housing Company Insurance
Comprehensive insurance protecting housing companies against property damage and liability claims.
cyber
Cyber Insurance
Cyber insurance covering financial losses from data breaches, denial-of-service attacks, malicious software and business interruption due to cyber incidents.
Regulatory updates
On 7 September 2023, the Financial Supervisory Authority (FIN-FSA) issued a public warning to Pohjola Insurance Ltd for failing to comply with time limits under the Workers' Compensation Act and for inadequate internal control in its claims function. The company had failed to commence claims processing within 7 working days and to issue decisions within 30 days during multiple periods from 2019 to 2022. The FIN-FSA's 2025 supervisory priorities include sound governance and resilience to uncertainties in the operating environment.