Insurer profile
Turva Mutual Insurance Company
Turva Mutual Insurance Company · Finland
Overview
Turva is a Finnish nationwide mutual non-life insurance company owned by its policyholders, based in Tampere and founded in 1910. It sells the full range of non-life insurance to households, trade union members, associations and SMEs, intermediates LähiTapiola's voluntary life and pension products, and LähiTapiola holds contractual rights (via guarantee capital) to appoint the majority of Turva's board.
Source32
Products in this market
3
Offer pages
Company details
- Regulator
- Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
- Phone
- +358 10 195 110
- [email protected]
Products from Turva Mutual Insurance Company
Motor5
Motor Third Party Liability Insurance (Traffic Insurance)
Compulsory third-party liability insurance required for all motor vehicles used in traffic, covering personal injuries and property damage to innocent parties.
Casco Insurance (Comprehensive Motor Insurance)
Voluntary comprehensive motor insurance covering damage to the insured vehicle, available in partial (Osakasco), full (Turvakasko) and premium (Liittokasko) tiers.
Motorcycle Insurance (Traffic + Casco)
Motor liability and optional casco insurance for motorcycles, providing coverage for both the rider and the vehicle.
Moped / Scooter Insurance
Compulsory traffic insurance and optional casco insurance for mopeds and scooters.
Business Vehicle Insurance
Compulsory traffic liability and optional casco insurance for company-owned vehicles.
Property6
Home Insurance
Comprehensive home contents and property insurance for apartments, detached houses, terraced houses, semi-detached houses and holiday homes.
Landlord's Insurance
Insurance products tailored for landlords renting out residential property in Finland.
Forest Insurance
Insurance for privately owned forests covering storm, fire and other damage to forest assets.
Business Property Insurance
Commercial property insurance for businesses covering physical assets, machinery and inventory against fire, water damage and other perils.
Real Estate / Building Insurance (Business)
Building and real estate insurance for businesses and property owners covering structural damage.
Business Interruption Insurance
Business interruption insurance covering lost income and fixed costs when business operations are halted due to an insured property damage event.
Health8
Accident Insurance
Personal accident insurance covering treatment costs, permanent disability and accidental death, valid worldwide during leisure time.
Medical Expenses Insurance (Illness Coverage)
Health insurance covering medical treatment costs arising from illness, complementing the public healthcare system, with access to Pihlajalinna's nurse service at a contract price.
Baby Insurance (Newborn Insurance)
Insurance for newborns covering accident treatment costs and illness-related expenses from birth.
Child Insurance
Comprehensive accident and illness insurance for children, including coverage during competitive sports up to age 18.
Sports Insurance
Insurance covering injuries and accidents arising during sports and athletic activities.
Volunteer Work Insurance (Talkoo Insurance)
Short-term accident insurance for participants in communal volunteer work (talkoot) events.
Occupational Accident and Disease Insurance (Business)
Statutory workers' compensation insurance covering employees for occupational accidents and diseases.
Entrepreneur's Accident Insurance
Voluntary accident insurance for entrepreneurs covering treatment costs, permanent disability and accidental death.
Liability2
Business Liability Insurance
General liability insurance for businesses covering personal injury and property damage caused to third parties in the course of business operations.
Legal Expenses Insurance (Business)
Legal expenses insurance for businesses covering attorney and court costs in disputes and legal proceedings.
Travel2
Travel Insurance
Travel insurance covering medical treatment costs for illnesses and injuries during domestic and international leisure trips, as well as trip cancellation and delayed departure.
Business Travel Insurance
Corporate travel insurance covering employees on business trips domestically and abroad.
Financial3
Income Protection Insurance (Tuloturvavakuutus)
A new income protection insurance developed for trade union members, launched by Turva as the first Finnish insurer to offer this type of cover for sudden life changes such as unemployment.
Entrepreneur's Pension Insurance (YEL) – intermediated
Statutory self-employed person's pension insurance (YEL), intermediated by Turva on behalf of Elo Mutual Pension Insurance Company.
Employees' Pension Insurance (TyEL) – intermediated
Statutory earnings-related pension insurance for employees (TyEL), intermediated by Turva on behalf of Elo Mutual Pension Insurance Company.
Pet2
Regulatory updates
Turva is supervised by Finanssivalvonta (operating in connection with the Bank of Finland), and its insurance agents are registered in FIN-FSA's insurance intermediary register. In 2026 FIN-FSA's supervisory priorities for insurance and pension institutions focused on preparedness for extreme market conditions, solvency stress testing, and climate/environmental risk management, which apply to Turva as a supervised entity. Turva's 2025 EPSI Rating results again ranked it as having Finland's most satisfied insurance customers for the 14th time, and the company reported a premium income of €161.9 million for 2025.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from Turva 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 Turva for the Finland market, with online purchase and 24/7 assistance.
Last verified Sep 10, 2026
Travel insurance
travel insurance from Turva for the Finland market, with online purchase and 24/7 assistance.
Last verified Aug 29, 2026