Insurer profile

Finnish P&C Insurance Ltd. (Suomen Vahinkovakuutus Oy)

Finnish P&C Insurance Ltd. (Suomen Vahinkovakuutus Oy) · Finland

Founded 2012Espoo, FinlandLast verified Aug 29, 2026

Overview

<cite index="1-1,1-6">POP Vakuutus (POP Insurance) is the fastest growing insurance company in Finland, which operates mainly online but also by phone, and is Finnish P&C Insurance Ltd.'s brand name.</cite> <cite index="9-1,9-2">Suomen Vahinkovakuutus Oy is a modern Finnish non-life insurance company that produces insurance services tailored to the POP Vakuutus brand, founded directly into the digital world and starting operations in 2012.</cite> <cite index="9-5,9-6,9-7">The company currently has over 200,000 customers and more than 120 employees, and is jointly owned by the LähiTapiola and POP Pankki groups, with LähiTapiola holding majority ownership.</cite>

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Company details

Parent group: LähiTapiola Group (70% majority owner) and POP Pankki Group (minority owner)
Regulator: Finanssivalvonta (Financial Supervisory Authority of Finland)
Phone: +358 10 391 0391
Email: [email protected]

Official website

Products from Finnish P&C Insurance Ltd. (Suomen Vahinkovakuutus Oy)

Motor

Traffic Insurance (MTPL)

<cite index="101-2,101-3">Mandatory liability insurance that covers personal and property damage caused by the insured driver in traffic.</cite>

Car Insurance (Casco)

<cite index="103-1,103-2">Voluntary casco insurance for cars, offered alongside the mandatory traffic insurance, covering damage to the insured's own vehicle.</cite>

Motorcycle Insurance

<cite index="57-1,57-8">Affordable motorcycle insurance that also covers helmets, with S- and L-level casco options available.</cite>

Moped Insurance

<cite index="107-1,107-3">Affordable and comprehensive moped insurance with seasonal pricing, available with both traffic and casco cover.</cite>

Van Insurance

<cite index="110-1">Affordable and comprehensive insurance for vans with fair bonuses.</cite>

Property

Boat Insurance

<cite index="108-1,108-3">Covers motorboats against damage such as storms or theft and includes liability cover for damage caused to third parties.</cite>

Home Insurance

<cite index="95-8,95-12">Protects the home against sudden and unforeseen damage, packaged into three coverage levels (S, M, L) to choose from.</cite>

Contents Insurance

<cite index="90-1,90-2">Available in S, M or L levels, ranging from limited cover for contents to full home-insurance-level protection.</cite>

Detached House Insurance

<cite index="92-3,92-5">Protects both the building and its contents for detached house owners, with S, M or L coverage levels available.</cite>

Health

Accident Insurance

<cite index="128-1,128-4">Issued to people aged 0-79, customizable to cover necessary treatment and examinations ordered by a doctor following an accident.</cite>

Child's Accident Insurance

<cite index="127-1">Covers accidents in all sports and hobbies for children up to age 17.</cite>

Liability

Home Insurance Liability Cover

Personal liability cover included in all home insurance packages, covering damages up to €200,000 per claim caused to third parties.

Travel

Travel Insurance

Purchasable online, covering medical, hospital, examination and medication costs from travel illness or accident without a deductible or euro cap.

Traveller's Insurance (continuous/fixed-term)

<cite index="120-1,120-7">Provides cover for illnesses starting and accidents occurring during travel, available as a continuous policy valid for trips up to three months.</cite>

Baggage Insurance

<cite index="121-1,121-9">Protects belongings carried on a trip up to a chosen sum insured, covering losses such as theft or breakage of items like clothing, cameras and phones.</cite>

Regulatory updates

<cite index="49-1">The Finnish Competition and Consumer Authority (KKV) and Finanssivalvonta approved a corporate transaction in which LähiTapiola acquired a 70 percent majority stake in Suomen Vahinkovakuutus Oy, better known as POP Vakuutus.</cite> <cite index="56-4,56-6">The cooperation between Säästöpankki's insurance products and Suomen Vahinkovakuutus ended on 2 January 2026, with Säästöpankki insurance customers automatically transitioning under the POP Vakuutus brand, while LähiTapiola holds 70% ownership of POP Vakuutus.</cite> <cite index="138-16,138-17">The company operates on a white-label basis with POP Pankki Group and Säästöpankki Group as its key brand partners, though the cooperation with Säästöpankki Group ended during the financial year.</cite>