Finnish P&C Insurance Ltd. (Suomen Vahinkovakuutus Oy)
POP Vakuutus
POP Vakuutus is a motor third-party liability insurance for the Finland market with online purchase and 24/7 assistance.
Direct payment
The premium can be paid directly online at the time of purchase or via an invoice, depending on the insurance type and payment terms; e-invoicing is also available.
Geographic scope
Finland (nationwide)
Valid in all EEA countries and, under the Green Card convention, in non-EEA convention countries; compensation follows the law of the country where the accident occurred or Finnish MTPL law if it provides better cover.
Unique selling points
- Offers one of the highest MTPL no-claims bonuses in Finland, up to 83%.
- Mileage-based pricing rewards drivers with under 20,000 km/year with a cheaper premium.
- Fully digital, branch-free insurer with a 24/7 self-service portal (Oma Palvelu) for policy management.
- Ranked among the top 3 personal insurers in Finland's EPSI 2025 customer satisfaction index.
Coverage limits
Bodily injury liability
Covered
No limit stated
MTPL covers personal injuries to both the not-at-fault party and the at-fault party (driver) arising from a traffic accident, in accordance with the Finnish Motor Liability Insurance Act.
Property damage liability
Covered
No limit stated
MTPL covers property damage caused to the not-at-fault party by the insured vehicle; it does not cover damage to the insured's own vehicle or property.
Legal expenses cover
Excluded
Legal expenses cover is not part of the statutory MTPL policy; it is included instead in the optional S-kasko (partial casco) tier.
Green Card coverage
Covered
Traffic insurance issued for a motor vehicle is valid in all EEA states; in non-EEA Green Card convention countries it is valid as liability cover based on a Green Card issued by the insurer, or without one when not mandatory.
Roadside assistance
Excluded
Roadside/towing assistance is not part of the statutory MTPL policy; it is offered as part of the optional casco (S/L/XL) tiers.
Driver personal injury (at-fault driver)
Covered
Under Finnish MTPL, personal injury to the at-fault driver is also compensated, in addition to personal and property injuries of the not-at-fault party.
Passenger personal injury
Covered
Personal injuries suffered by passengers in the insured vehicle as a result of a traffic accident caused by that vehicle are covered under MTPL.
Key conditions
Territorial scope
Coverage applies in all EEA countries and, on a transit basis, in non-EEA territory travelled directly between two EEA states; outside the EEA, Green Card convention countries are covered as liability insurance per local law.
Green card rules
A Green Card issued by the insurer may be required for travel to non-EEA Green Card convention countries; in some such countries it is not mandatory but coverage still applies as liability insurance.
Driver restrictions
No specific driver age or experience restriction is stated in the reviewed sources; however, driver age, place of residence and personal claims history are factors affecting the premium.
Claim notification deadline
The policyholder must notify the insurer or its representative in writing without delay after becoming aware of a traffic accident that may lead to a claim, preferably using the official accident report form.
Bonus-malus rules
For policies starting on or after 1 January 2017, the no-claims bonus and claims history are personal to the driver; a new policyholder without claims history starts at bonus class 6 (40% bonus), rising to a maximum of 83% based on claim-free periods, while a policy involving a claim drops according to the bonus table.
Where to buy
Policy specifics
Personal injury coverage for insured parties
MTPL covers personal injuries to policyholders and passengers arising from traffic accidents caused by the insured motor vehicle
SourceThird-party property damage coverage
MTPL covers repair costs and property damage to third parties' vehicles and belongings when the insured motor vehicle causes an accident
SourceETA coverage and Green Card validity
Traffic insurance is valid in all ETA countries and in Green Card convention countries under the respective local laws or Finnish MTPL law (whichever is more favorable)
SourceExclusion for own vehicle damage
MTPL does not cover damage to the insured's own motor vehicle or property within it, except personal items of passengers
SourceZero deductible on MTPL
MTPL claims have no deductible - the full claim amount is covered without the policyholder paying a share
SourceBonus system for traffic insurance
Maximum bonus of up to 83%; starting bonus for new drivers (no claims history) is 40%; bonus is personal to the driver and transfers between vehicles
SourceMileage-based premium calculation
Premium is calculated partly based on annual kilometers driven; lower annual mileage (under 20,000 km) results in lower premiums
SourceVehicle make, model, and accident statistics impact on premium
Premium varies based on vehicle make and model; vehicles with poor collision statistics command higher premiums; vehicle power also affects pricing
SourceDriver age, residence, and personal claims history
Premium factors include driver age, place of residence, and individual claims history; claims history directly determines bonus level
Source