OP Pohjola

territorial_scope

The policy is valid in all EEA member states (including Switzerland per the product guide). In Green Card convention countries outside the EEA, the policy is valid as liability insurance on the basis of the Green Card issued by Pohjola, or without a Green Card where one is not required. Compensation in non-EEA Green Card countries is determined by the law of the country where the accident occurred. The policy also covers accidents caused by the insured vehicle in non-EEA transit areas on a direct journey between two EEA states where another EEA-registered vehicle is involved. Special conditions apply for Russia, Belarus, Iran, Tunisia, and Morocco.

green_card_rules

The Green Card is issued by Pohjola Insurance and enables the policy to operate as liability insurance in Green Card convention countries outside the EEA. The Green Card can be printed by the policyholder at any time via the op.fi online service. It must be carried as a printout — displaying it on a mobile device is not sufficient. If the policyholder is not the registered owner or keeper of the vehicle, a power of attorney from the owner is also required for taking the vehicle abroad.

driver_restrictions

The policy is issued on a per-vehicle basis for private individuals. The vehicle must be owned or kept by the policyholder. The primary user of the vehicle must be registered as the keeper and the owner as the owner in the vehicle register. Providing false information about the owner, keeper, or user may result in compensation being reduced or denied entirely. Use of a proxy registrant (bulvaani) is expressly prohibited.

claim_notification_deadline

A traffic claim that may lead to a compensation claim must be reported to Pohjola Insurance or its representative without undue delay after the policyholder becomes aware of it, electronically, by phone, or by post using the claims form. Under the Motor Liability Insurance Act, a compensation claim must be submitted to the insurer within three years of the claimant becoming aware of the damage and its consequences, and in any case within ten years of the occurrence of the damage.

bonus_malus_rules

The bonus system applies to private individuals' MTPL policies for passenger cars, vans, motorhomes, lorries, buses, and motorcycles. The starting bonus for cars (policies started from 1 June 2017) is 40% (bonus class 5); maximum bonus is 80% (bonus class 17). Bonus is formed based on the policyholder's personal insurance and claims history stored in the shared insurer database. Bonus history is not transferable to another person or from one vehicle to another. A bonus protection (bonusturva) applies once the policyholder has held 80% bonus for at least 2 consecutive years — one covered claim will not reduce the bonus. The vehicle must have been in traffic for at least 120 days (cars) or 90 days (motorcycles) in a policy period for the bonus to increase. The bonus system does not apply to exempt-from-registration vehicles or museum vehicles.

Green Card coverage for international travel

Motor liability insurance valid in European Economic Area countries and Green Card countries outside EEA with specific conditions

Motor liability insurance bonus system

Initial bonus 40% for cars, maximum bonus 80%, with bonus being earned automatically based on claims history

Mandatory insurance requirement

Motor liability insurance is compulsory for all motor vehicles used in traffic in Finland, required before vehicle registration

Policy activation timing

Motor liability insurance becomes effective on the date specified in the insurance application, earliest on the application signature date; cannot be backdated

Vehicle owner and keeper information requirement

Correct vehicle owner and keeper information must be provided in insurance application; vehicle main user must be registered as keeper, owner as owner