LocalTapiola Group (LähiTapiola Keskinäinen Vakuutusyhtiö / LähiTapiola Keskinäinen Henkivakuutusyhtiö)

Territorial scope

Valid in Finland and all EEA states; in Green Card treaty countries outside the EEA, compensation follows local law and may be significantly lower, and driver injuries are not compensated at all; not valid in Iran, Kosovo, northern Cyprus, Russia or Belarus

Section: Missä vakuutusturva on voimassa?

Muissa Vihreän kortin sopimusmaissa, ei kuitenkaan Iranissa, Kosovossa, Kyproksen pohjoisosissa, Venäjällä eikä ValkoVenäjällä.

Green card rules

A Green Card serves as proof of valid MTPL insurance; in Green Card treaty countries outside the EEA the policy is valid as liability insurance based on the Green Card issued by the insurer, or without one where a card is not required; it can be ordered via LähiTapiola's online service or by contacting LähiTapiola

Tilaa Green card verkkopalvelustamme.

Driver restrictions

If the driver who suffered injury caused the accident while under the influence of alcohol or another intoxicant, or their combined effect, compensation to them may be reduced or refused; intentionally self-inflicted personal injury is not compensated, and compensation for gross negligence causing self-inflicted injury may be reduced or refused

Section: Onko vakuutusturvalle mitään rajoitteita?

Jos vahinkoa kärsinyt ajoneuvon kuljettaja on aiheuttanut vahingon alkoholin tai muun huumaavan aineen vaikutuksen alaisena tai näiden yhteisvaikutuksesta, hänelle maksettavaa korvausta voidaan alentaa tai korvaus voidaan evätä.

Claim notification deadline

The policyholder must notify LähiTapiola or its representative without delay once aware of a traffic accident, and the claim can be reported electronically, by phone or by post using the claim form

Section: 13 Toimenpiteet vahingon satuttua

Vakuutuksenottajan tulee liikennevahingosta tiedon saatuaan viipymättä ilmoittaa asiasta LähiTapiolalle tai sen edustajalle. Vahinkoilmoituksen voi tehdä sähköisesti, puhelimitse tai postitse vahinkoilmoituslomaketta täyttäen.

Bonus-malus rules

Under the T&C (vakuutusehdot, effective 1.6.2025, §9.3–9.6): a new policy with no prior claims history starts at a minimum bonus of 25%; the bonus normally rises by 5 percentage points per claim-free insurance period, plus a further 5-point reward bonus after every two consecutive claim-free periods, up to a maximum of 80%; the bonus falls by 15 percentage points after each compensated claim; Personal Bonus Protection activates once the 80% bonus is reached and prevents a first claim from reducing it. The product description (tuoteseloste, effective 1.1.2026) instead states that a customer with no history starts at 35%, that the bonus rises by 10 percentage points per claim-free period, and that the full 80% bonus can be reached after five claim-free years; both documents agree that a compensated claim reduces the bonus by 15 percentage points and on the 80% maximum with Personal Bonus Protection

Section: 9 LähiTapiolan bonusjärjestelmä > 9.4 Bonuksen nouseminen

Bonus nousee vahingottoman vakuutuskauden jälkeen pääsääntöisesti viisi prosenttiyksikköä. Jokaisen kahden peräkkäisen vahingottoman vakuutuskauden perusteella autojen bonukseen lisätään Vahingottoman kuljettajan palkintobonus viisi prosenttiyksikköä.

Personal injury compensation with no upper limit

Motor third-party liability covers personal injuries to all parties involved in traffic, with full compensation regardless of amount

Third-party property damage (innocent party only)

Coverage for property damage caused to other parties' vehicles and property when the insured is not at fault; damage to the policyholder's own vehicle is never covered under MTPL

Coverage in EEA states and Green Card treaty countries

Motor third-party liability insurance is valid in all EEA (European Economic Area) member states and other Green Card treaty countries

Rebate for traffic removal (suspension from use)

Policyholders receive a premium rebate for traffic removal; for cars the rebate applies from the day after removal begins with no minimum duration, while a minimum of 30 consecutive days is required for snowmobiles, motorcycles and mopeds

Traffic bonus up to 80% (accident-free bonus)

Maximum bonus of 80% for accident-free driving history, reachable after five claim-free years per the current product description; Personal Bonus Protection then prevents a first claim from reducing the bonus

Mandatory traffic insurance by law

Motor third-party liability is compulsory for almost all motor vehicles used in traffic; it must generally be taken out once a vehicle's speed exceeds 25 km/h or its net weight exceeds 25 kg

Green Card (international insurance certificate)

Green Card is proof of valid motor insurance needed when travelling with your own vehicle to a Green Card treaty country outside the EU/EEA; it can be ordered via LähiTapiola's online service and is delivered by post or electronic message

Coverage for unregistered vehicles used in traffic

MTPL is also required for unregistered vehicles used in traffic, including private yards, forests, or ice

Claims must be channelled directly to LähiTapiola

If compensation is claimed from the policyholder or another party involved in the accident, the claim must be directed to LähiTapiola rather than settled between the parties