Insurer profile
Turva Mutual Insurance Company
Turva Mutual Insurance Company is a Finnish nationwide mutual non-life insurance company owned by its policyholders. Founded in 1910 in Tampere, it offers a full range of non-life insurance products to households, trade union members, associations and SMEs, and also intermediates LähiTapiola Group's voluntary life and pension insurance products.
Source- Legal entity
- Turva Mutual Insurance Company
- Headquarters
- Tampere, Finland
- Regulator
- Financial Supervisory Authority (FIN-FSA / Finanssivalvonta)
- Phone
- +358 10 195110
- asiakaspalvelu@turva.fi
- Founded
- 1910
- Last verified
- May 18, 2026
Products from Turva Mutual Insurance Company
motor
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.
motor
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.
motor
Motorcycle Insurance (Traffic + Casco)
Motor liability and optional casco insurance for motorcycles, providing coverage for both the rider and the vehicle.
motor
Moped / Scooter Insurance
Compulsory traffic insurance and optional casco insurance for mopeds and scooters.
property
Home Insurance
Comprehensive home contents and property insurance for apartments, detached houses, terraced houses, semi-detached houses and holiday homes.
property
Landlord's Insurance
Insurance products tailored for landlords renting out residential property in Finland.
health
Accident Insurance
Personal accident insurance covering treatment costs, permanent disability and accidental death, valid worldwide during leisure time.
health
Medical Expenses Insurance (Illness Coverage)
Health insurance covering medical treatment costs arising from illness, complementing the public healthcare system.
health
Baby Insurance (Newborn Insurance)
Insurance for newborns covering accident treatment costs and illness-related expenses from birth.
health
Child Insurance
Comprehensive accident and illness insurance for children, including coverage during competitive sports up to age 18.
health
Sports Insurance
Insurance covering injuries and accidents arising during sports and athletic activities.
health
Volunteer Work Insurance (Talkoo Insurance)
Short-term accident insurance for participants in communal volunteer work (talkoot) events.
life
Life Insurance (Turvassa Life Insurance)
Term life insurance paying a lump sum to named beneficiaries upon the insured's death; underwritten by LähiTapiola Mutual Life Insurance Company and offered at discounted rates for trade union members.
travel
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.
pet
Dog Insurance
Insurance for dogs covering veterinary costs and compensation in case of the dog's death due to illness or accident.
pet
Cat Insurance
Insurance for cats covering veterinary costs and compensation in case of the cat's death due to illness or accident.
other
Boat Insurance
Insurance for recreational boats covering damage to the vessel and liability during use.
property
Forest Insurance
Insurance for privately owned forests covering storm, fire and other damage to forest assets.
health
Occupational Accident and Disease Insurance (Business)
Statutory workers' compensation insurance covering employees for occupational accidents and diseases.
health
Entrepreneur's Accident Insurance
Voluntary accident insurance for entrepreneurs covering treatment costs, permanent disability and accidental death.
travel
Business Travel Insurance
Corporate travel insurance covering employees on business trips domestically and abroad.
property
Business Property Insurance
Commercial property insurance for businesses covering physical assets, machinery and inventory against fire, water damage and other perils.
property
Real Estate / Building Insurance (Business)
Building and real estate insurance for businesses and property owners covering structural damage.
property
Business Interruption Insurance
Business interruption insurance covering lost income and fixed costs when business operations are halted due to an insured property damage event.
liability
Business Liability Insurance
General liability insurance for businesses covering personal injury and property damage caused to third parties in the course of business operations.
liability
Legal Expenses Insurance (Business)
Legal expenses insurance for businesses covering attorney and court costs in disputes and legal proceedings.
other
Transport / Cargo Insurance (Business)
Commercial cargo and transport insurance covering goods and merchandise during transit.
cyber
Cyber Insurance (Business)
Cyber insurance for businesses covering costs and liabilities arising from data breaches, cyber-attacks and other digital security incidents.
motor
Business Vehicle Insurance
Compulsory traffic liability and optional casco insurance for company-owned vehicles.
financial
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.
financial
Employees' Pension Insurance (TyEL) – intermediated
Statutory earnings-related pension insurance for employees (TyEL), intermediated by Turva on behalf of Elo Mutual Pension Insurance Company.
Regulatory updates
Turva is supervised and audited by the Financial Supervisory Authority (Finanssivalvonta), which operates in connection with the Bank of Finland. Turva's agents are registered in Finanssivalvonta's insurance intermediary register. The company complies with Finnish insurance legislation and FIN-FSA regulations regarding solvency, governance and fit-and-proper requirements for management. Turva submits annual ORSA reports to Finanssivalvonta in accordance with Solvency II requirements.
Reputation and reviews
Verified offer pages
Motor casco
Turva is a motor casco insurance for the FI market with online purchase and 24/7 assistance.
Last verified May 18, 2026
Motor third-party liability
Turva is a motor third-party liability insurance for the FI market with online purchase and 24/7 assistance.
Last verified May 18, 2026
Travel insurance
Turva is a travel insurance for the FI market with online purchase and 24/7 assistance.
Last verified May 18, 2026