LähiTapiola
LähiTapiola is a motor third-party liability insurance for the FI market with online purchase and 24/7 assistance.
Direct payment
Claims are reported online via the LähiTapiola web service or mobile app, or by phone. LähiTapiola settles bodily injury claims directly with the claimant under the Finnish Motor Liability Insurance Act. No general direct-billing arrangement to third-party repairers is stated for MTPL; the insurer handles all third-party liability claims on behalf of the policyholder.
Geographic scope
FI
Valid in all EEA member states and other Green Card treaty countries, excluding Iran, Kosovo, northern Cyprus, Russia and Belarus. Outside EEA, claims are settled per local law.
Unique selling points
- Finland's most popular MTPL insurer according to Traficom data, providing broad market trust and network reach.
- Maximum traffic bonus of 80% – one of the highest in Finland – reached faster thanks to a reward bonus of +5 percentage points for every two consecutive claim-free years.
- Built-in Bonus Protection (Bonusturva) activates automatically at maximum bonus level, preventing the bonus from falling after a single at-fault accident at no extra charge.
- 24/7 emergency helpline (+358 800 04531) for roadside assistance, towing and claim notification, accessible in Finnish, Swedish and English.
- LähiTapiola is the only insurer in Finland whose motor policies earn S-Group Bonus (up to 5% of premiums paid), offering a tangible loyalty reward unavailable from competitors.
Coverage limits
Bodily Injury Liability
Covered
Personal injury claims arising from the use of the insured motor vehicle in traffic are compensated without any upper limit, in accordance with the Finnish Motor Liability Insurance Act.
Property Damage Liability
Covered
Property damage caused to an innocent third party by the insured vehicle in traffic is covered up to EUR 5,000,000 per liable MTPL policy.
Legal Defence
Excluded
Legal defence (oikeusturva) is not included in the statutory MTPL product. It is available as a separate add-on under voluntary casco (kasko) insurance or as a standalone legal expenses policy.
Green Card (International Certificate of Insurance)
Covered
The MTPL policy is valid in all EEA countries and other Green Card treaty countries, excluding Iran, Kosovo, northern Cyprus, Russia and Belarus. Outside the EEA, claims are settled per local law and compensation amounts may be significantly lower than in Finland. The Green Card certificate is issued free of charge and can be ordered from the LähiTapiola online service.
Roadside Assistance
Excluded
Roadside assistance (tiepalvelu / autopalvelu) is not covered under the statutory MTPL policy. It is available as part of voluntary casco (kasko) coverage (Suppea or Laaja vakuutus).
Driver Personal Injury (MTPL)
Covered
Personal injuries suffered by the driver are covered under the Finnish MTPL Act without an upper limit, provided the driver is not the at-fault party claiming against their own policy for property damage. In Green Card countries outside EEA, driver injury is not covered by the foreign insurer.
Passenger Personal Injury (MTPL)
Covered
Personal injuries to passengers are covered under the Finnish MTPL Act without an upper limit. Compensation for personal injury is paid in full from the vehicle in which the injured person was a passenger or driver.
Key conditions
territorial_scope
The MTPL policy is valid in all EEA member states. In non-EEA Green Card treaty countries (excluding Iran, Kosovo, northern Cyprus, Russia and Belarus), coverage applies as liability insurance based on the Green Card or without the card where it is not required. Claims in non-EEA Green Card countries are settled per local law, and compensation may be significantly lower than in Finland.
green_card_rules
The Green Card (international certificate of insurance) is issued free of charge and is recommended whenever travelling outside the Nordic countries; in certain countries it is mandatory. It can be ordered from the LähiTapiola online service or by contacting LähiTapiola. Remember to order a separate Green Card for the tow vehicle and caravan if applicable.
driver_restrictions
The policyholder must be the owner or registered keeper of the vehicle. A family member who is the principal user of the vehicle for more than 30 days must be registered as the keeper in the vehicle register. There are no named-driver restrictions under the statutory MTPL policy; all drivers are covered.
claim_notification_deadline
Damage must be reported to LähiTapiola without undue delay. Claims can be submitted via the LähiTapiola online service, the mobile app, by phone or at a branch office. For vehicle theft, the insured loss is compensated only if no information about the vehicle being found is received within 30 days of the reported theft.
bonus_malus_rules
The traffic bonus starts at 35% for new policyholders without prior insurance history. The bonus increases by 10 percentage points per claim-free policy year (5 percentage points in the first year after a claim). An additional reward bonus of +5 percentage points is earned for every two consecutive claim-free years. After one at-fault claim, the bonus decreases by 15 percentage points. The maximum bonus is 80%. Bonus protection (Bonusturva) is automatically activated once the bonus reaches 80% and there have been no claims in the two preceding years, ensuring the bonus does not fall after one accident.
Where to buy
Documents
Liikennevakuutus henkilöasiakkaille – Vakuutusehdot, voimassa 1.6.2025 alkaen
terms_and_conditions
Ajoneuvovakuutus henkilö- ja yritysasiakkaille – Vakuutusehdot, voimassa 1.1.2026 alkaen
terms_and_conditions
Ajoneuvovakuutukset henkilöasiakkaille – Tuoteseloste, voimassa 1.1.2026 alkaen
other
Liikennevakuutus – Vakuutusta koskevat tiedot sisältävä asiakirja (IPID)
ipid
Policy specifics
Bonus Protection
Bonus protection ensures that bonuses do not decrease in case of collision for car and van motor insurance
Seasonal pricing for motorcycles
Motorcycle liability insurance and comprehensive coverage are seasonally priced, with majority of premium concentrated in summer months
Seasonal discount / credit for off-season storage
Motorcycle insurance provides credit during continuous off-season storage of 30+ days
Comprehensive kasko age limit for motorcycles
Comprehensive kasko is granted only for motorcycles maximum 20 years old; partial kasko has no age limit
Substitute vehicle service
Provides access to substitute vehicle (max C-class passenger car or 9m³ van) when vehicle is under repair or breakdown
Vehicle locking requirement
All vehicles must be locked or secured for theft coverage
30-day theft loss reporting requirement
Vehicle loss is covered only if no information received of vehicle recovery within 30 days of reported theft
Territorial coverage - Nordic countries
Coverage is in force in Finland, Sweden, Norway and Denmark
Green Card coverage for international travel
Coverage provided in ETA countries and Green Card treaty countries, with exclusions for Iran, Kosovo, Cyprus (northern), Russia and Belarus
No collision coverage under liability insurance
Liability insurance does not cover damage from collision, skidding or vehicle rollover to insured vehicle