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; not valid in Iran, Russia or Belarus

Green card rules

A Green Card is recommended for travel outside the Nordic countries and mandatory in certain countries; it can be ordered via LähiTapiola's online service or by contacting LähiTapiola, and must also be ordered separately for trailers

Driver restrictions

If the driver who suffered injury caused the accident while under the influence of alcohol or another intoxicant, 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

Claim notification deadline

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

Bonus-malus rules

The bonus system rewards claim-free driving and reduces the bonus after claims. A new policy's minimum bonus is 25% when there is no prior claims history. The bonus generally 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%. Each compensated claim reduces the car bonus by 15 percentage points from the start of the following period. Personal Bonus Protection activates once the 80% bonus is reached and prevents the bonus from falling after a first claim

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

Coverage in ETA 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

Coverage for passengers' clothing and personal items

Motor third-party liability covers damage to passengers' clothes and personal items in the insured vehicle

Rebate for traffic removal (suspension from use)

Policyholders receive a refund of the premium for periods when the vehicle is removed from traffic (minimum 30 consecutive days)

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

Maximum bonus of 80% for accident-free driving history; accrues faster with 5 percentage point reward per claim-free year

Direct settlement of personal injury claims to third parties

LähiTapiola pays personal injury compensation directly to the injured third party, not through the policyholder

Mandatory traffic insurance by law

Motor third-party liability is compulsory for all motor vehicles used in traffic under Finnish Motor Insurance Act

Green Card (international insurance certificate)

Green Card is proof of valid motor insurance for travel outside Nordic countries; required in certain countries

Coverage for unregistered vehicles used in traffic

MTPL is also required for unregistered vehicles used in traffic, including private roads, 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