LähiTapiola Motor third-party liability (Liikennevakuutus)

LähiTapiola customers can earn S-Group Bonus of up to 5% on most non-life and life insurance premiums, including vehicle insurance.

Concentrating all insurance with LähiTapiola earns an Omaetu discount of 8%, 13% or up to 17% on premiums depending on how many product categories are held.

The full traffic bonus reaches up to 80%.

Personal Bonus Protection means a first claim after reaching the full bonus does not reduce the driver's accumulated bonus.

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.

Territorial scope

Valid in Finland and all EEA states; also valid in other Green Card treaty countries outside the EEA, except Iran, Kosovo, northern Cyprus, Russia and Belarus, where compensation follows local law and may be significantly lower than in Finland