Pohjantähti Mutual Insurance Company
Pohjantähti
Pohjantähti is a motor third-party liability insurance for the Finland market with online purchase and limited assistance availability.
Direct payment
no_direct_payment_fault_based_system
Geographic scope
Valid in all EEA member states; outside the EEA in Green Card system countries as third-party liability cover
Covers damage caused by use of the vehicle in traffic in Finland and other EEA states; in non-EEA Green Card countries cover applies per the Green Card issued by the insurer
Unique selling points
- Maximum bonus discount of 81% with a starting bonus of 40% for new customers, both above what many market competitors offer as a starting point.
- The 'Tähtikuljettaja' (Star Driver) benefit means that after reaching full bonus and one claim-free year, the first collision claim no longer reduces the customer's bonus.
- Customers who bundle multiple policies with Pohjantähti can receive an additional 5% multi-policy discount on the motor liability premium.
- The insurance can be priced and purchased entirely online through the insurer's own quote and purchase tool.
Coverage limits
Bodily injury liability
unlimited
Covers personal injuries caused to third parties by use of the vehicle in traffic; there is no maximum compensation amount for personal injuries.
Property damage liability
€5,000,000
Covers property damage caused to third parties and to the vehicle of an innocent party; the maximum compensation amount for property damage is 5 million euros per traffic insurance liable for the damage.
Legal defence
No limit stated
Legal defence is not described as part of the mandatory motor third-party liability insurance in the reviewed T&C or IPID; it is offered separately as part of the voluntary motor (casco) insurance.
Green Card cover
Covered
In non-EEA countries that belong to the Green Card system, the traffic insurance is valid as third-party liability cover on the basis of a Green Card issued by the insurer.
Roadside assistance
No limit stated
Roadside assistance is not described in the reviewed motor third-party liability T&C or IPID; it is not part of the mandatory MTPL product.
Driver accident insurance
No limit stated
A separate driver accident benefit is not described in the reviewed MTPL T&C or IPID.
Passenger accident insurance
No limit stated
A separate passenger accident benefit is not described in the reviewed MTPL T&C or IPID; passenger personal injuries are compensated under general bodily injury liability when the vehicle is at fault.
Key conditions
Territorial scope
The insurance is valid in all EEA member states, and outside the EEA in Green Card system countries as third-party liability cover, with compensation determined according to the law of the country where the accident occurred (or Finnish law if more favourable).
Green card rules
In Green Card system countries outside the EEA, the insurance is valid as liability cover on the basis of the Green Card issued by the insurer, or without a Green Card when one is not required.
Driver restrictions
No specific minimum driver age or experience restriction is stated; however, compensation to an at-fault driver may be reduced or refused if the driver was under the influence of alcohol or another intoxicant, or caused self-inflicted injury intentionally or through gross negligence.
Claim notification deadline
The policyholder must notify Pohjantähti in writing without delay after learning of a traffic accident that may lead to a claim; the statutory deadline to claim compensation is 3 years from learning of the damage event and its consequences.
Bonus-malus rules
The bonus system applies to registered cars and motorcycles. Starting bonus for a new policyholder without prior claims history is bonus class 7 (40%); maximum bonus is 81% (bonus class 18+). Bonus rises one class per claim-free insurance period (minimum 120 days in traffic) and falls for each claim affecting the bonus, per the bonus tables in the terms.
Policy specifics
Bonus system (Tähtikuljettaja)
Pohjantähti offers a bonus system where drivers can accumulate up to 81% bonus discount. Upon reaching maximum bonus and driving one year without claims, customers become 'Tähtikuljettaja' (Star Driver) with additional benefits.
SourceThird-party property and personal injury coverage
Motor Third-Party Liability Insurance covers damages caused to third parties' property and personal injuries resulting from the insured vehicle's use in traffic, as mandated by Finnish traffic insurance law.
SourceMedical treatment and healthcare expenses
Coverage includes necessary healthcare, travel, and medication expenses resulting from injuries caused by the insured vehicle in traffic. Injured persons can seek treatment at any healthcare facility.
SourceLoss of income compensation
The insured who suffered injury from a traffic accident can receive compensation for actual loss of income during recovery period.
SourceClaims deadline
Motor Third-Party Liability Insurance claims must be filed within 3 years from when the claimant learned about the damage event and its consequence.
Source