If
If is a motor third-party liability insurance for the FI market with online purchase and 24/7 assistance.
Direct payment
If pays compensation directly to the injured party as required by the Finnish Motor Liability Insurance Act; no deductible applies to the policyholder for MTPL claims.
Geographic scope
FI
Valid in all EEA member states and in non-EEA Green Card convention countries as liability insurance; not valid in Azerbaijan, Iran, Kosovo, Northern Cyprus, Morocco, Tunisia, Turkey, Belarus, Russia, and Nagorno-Karabakh.
Starting from
€25
Unique selling points
- If's MTPL bonus rises the fastest in Finland, reaching the maximum 80% discount in just five claim-free years.
- New policyholders receive an immediate starting bonus of at least 30%, meaning no one needs to start from zero.
- At the top 80% bonus level, one claim per four-year period does not reduce the bonus – rewarding careful, long-term customers.
- 24/7 roadside assistance (hinaus- ja tiepalvelu) is accessible for all If vehicle insurance customers at 010 19 18 40, with towing arranged without upfront payment when ordered through If.
- If ranked first in customer experience among Finnish insurance companies in the 2025 Asiakkuusindeksi survey, reflecting fast claims handling with most decisions in 24 hours.
Coverage limits
Bodily injury liability
Covered
Covers bodily injury caused to third parties and all parties involved in a traffic accident, including passengers and pedestrians, in accordance with the Finnish Motor Liability Insurance Act. There is no maximum limit for bodily injury claims.
Property damage liability
Covered
Covers property damage caused to third parties and damage to the innocent party's motor vehicle arising from the use of the insured vehicle in traffic. The maximum compensation for property damage is EUR 5,000,000 per insurance liable for the damage.
Legal defence (MTPL)
Excluded
Legal defence / legal expenses coverage is not included in the mandatory MTPL policy. It is available as an optional add-on cover (Oikeusturva) under the casco insurance, providing up to EUR 10,000 for vehicle-related disputes and criminal matters.
Green Card / International coverage
Covered
The MTPL policy is valid as liability insurance in non-EEA Green Card convention countries (excluding Azerbaijan, Iran, Kosovo, Northern Cyprus, Morocco, Tunisia, Turkey, Belarus, Russia, and Nagorno-Karabakh). In those countries compensation is determined by the law of the country where the accident occurred. A Finnish resident who suffers a bodily injury in another EEA country may elect Finnish law if it is more favourable.
Roadside assistance (MTPL)
Excluded
Roadside assistance and towing coverage is not part of the mandatory MTPL policy. It is available as a separate cover (Hinaus ja matkakulut) under the optional casco insurance.
Driver accident benefit (MTPL)
Conditional
The MTPL covers bodily injury to the at-fault driver as required under the Finnish Motor Liability Insurance Act; however, the driver's own injury is excluded if caused by their own gross negligence or wilful act, and compensation may be reduced or denied. An additional personal accident benefit (Henkilöturva) covering driver and passengers is available as an optional casco add-on, paying up to EUR 21,000 for serious injuries and EUR 25,000 for death.
Passenger accident benefit (MTPL)
Covered
The MTPL covers bodily injury to all passengers involved in a traffic accident with no maximum limit for bodily injury claims. Compensation is paid in accordance with the Finnish Motor Liability Insurance Act.
Key conditions
territorial_scope
The MTPL is valid in all EEA member states. It is also valid as liability insurance in non-EEA Green Card convention countries, except in Azerbaijan, Iran, Kosovo, Northern Cyprus, Morocco, Tunisia, Turkey, Belarus, Russia, and Nagorno-Karabakh. In non-EEA Green Card countries, the compensation is governed by the local law. A Finnish resident injured in another EEA country may elect Finnish law if more favourable.
green_card_rules
The MTPL operates as a Green Card liability policy in non-EEA signatory states where a Green Card is required or accepted. In those countries, compensation is determined by the law of the country where the accident occurred. The policy is excluded from validity in Azerbaijan, Iran, Kosovo, Northern Cyprus, Morocco, Tunisia, Turkey, Belarus, Russia, and Nagorno-Karabakh.
driver_restrictions
The MTPL applies to the insured motor vehicle and covers any driver operating it with the owner's or holder's consent. No named-driver restriction applies under Finnish Motor Liability Insurance Act. The bonus-malus system is applied to the policyholder's own insurance and damage history, not to named drivers.
claim_notification_deadline
Upon becoming aware of a traffic accident that may lead to a compensation claim, the policyholder must notify If in writing without undue delay. If possible, the notification should be submitted using an official accident report form. The policyholder must provide all information and documents needed to process the claim.
bonus_malus_rules
For policies started on or after 20 May 2017, the starting bonus is at least 30%. The bonus increases by 10 percentage points each claim-free policy year (from 75% by only 5 pp to reach the maximum 80%). The maximum bonus is 80% and the minimum is 0%. A single claim reduces the bonus by 10, 15 or 20 pp depending on the bonus level at the time of the claim (from 75–80%: -10 pp; from 65–70%: -15 pp; from 60% and below: -20 pp). At the 80% bonus level, one claim in four years does not reduce the bonus. The bonus history can be transferred between vehicles within the same vehicle category. For policies started before 20 May 2017, a separate bonus table with classes E to M applies.
Where to buy
Policy specifics
Replacement vehicle duration
Maximum duration for which replacement vehicle is provided after damage or theft
Towing and travel costs
Coverage for vehicle towing to nearest repair shop when driving is interrupted
Vehicle lock requirement for theft coverage
Vehicle must meet specific locking requirements for theft coverage to apply
Motor Third Party Liability - Mandatory
Mandatory insurance covering bodily injury and property damage to third parties
Casco - Optional Comprehensive Coverage
Voluntary comprehensive coverage for own vehicle damage, complementing mandatory MTPL
Seasonal pricing for motorcycles
Insurance pricing flexible based on riding season for motorcycles
Bonus system
Starting bonus and annual bonus increase structure for claim-free driving
Geographic coverage area
MTPL is valid in all EEA member states and as liability insurance in Green Card convention countries outside the EEA. Excluded countries: Azerbaijan, Iran, Kosovo, Northern Cyprus, Morocco, Tunisia, Turkey, Belarus, Russia, and Nagorno-Karabakh.
Repair network restrictions
Coverage may have specific partner repair shop network requirements or restrictions
Geographic coverage area
Insurance valid in specific geographical regions and countries
Deductible amount selection
Insured can select deductible amount to adjust premium cost
Premium based on annual driving distance
Insurance price adjusted based on estimated annual driving distance
Claim notification procedure
The policyholder must notify If in writing without undue delay upon becoming aware of a traffic accident that may lead to a claim. If possible, the official accident report form should be used. All information and documents needed to process the claim must be provided. If a claim is directed at the policyholder or another party involved, the claim should be redirected to If.
Insurer's right of subrogation
If's right to recover paid compensation from the liable third party transfers to If. For private individuals, employees, and vehicle owners/drivers/passengers, recovery is only possible if the accident was caused intentionally or through gross negligence, or if the driver was driving under the influence as defined in the Motor Liability Insurance Act Section 48(1).