Turva Mutual Insurance Company
Turva
Turva is a motor third-party liability insurance for the Finland market with online purchase and 24/7 assistance.
Direct payment
Turva sends the premium invoice directly to the policyholder, who must pay it within one month of dispatch; the first instalment is not due before Turva's liability begins.
Geographic scope
European Economic Area (EEA) and Green Card Convention countries
Valid in all EEA member states and, outside the EEA, in Green Card Convention countries. The insurance is not valid in Russia, Belarus, or Iran.
Unique selling points
- New customers start with at least a 35% no-claims bonus, reaching the 80% maximum in as little as five years.
- Bonusturva preserves a driver's full no-claims bonus through their first at-fault accident once maximum bonus is reached.
- Vehicle insurance and registration can be completed in a single step through Turva's online shop, including evenings and weekends.
- Turva notifies the vehicle register of an insurer switch free of charge and automatically ends the customer's previous policy.
- Turva has repeatedly been rated Finland's most satisfying insurer for customer service in the EPSI Rating survey.
Coverage limits
Bodily Injury Liability
Covered
Traffic insurance compensates personal injury caused by the use of the motor vehicle in traffic in Finland (medical costs, loss of income, temporary or permanent disability, death) in accordance with the Traffic Insurance Act, and such damage is compensated in full without a maximum compensation cap.
Property Damage Liability
Covered
Traffic insurance compensates property damage caused to a non-liable third party by the use of the insured vehicle in Finland, up to a maximum of EUR 5 million per insurance policy responsible for the damage.
Legal Defence Cover
Not offered
None of the reviewed sources describe a legal-expenses (oikeusturva) benefit as part of the statutory traffic insurance itself; the T&C only describe the claim-notification and claims-handling process.
Green Card
Covered
In non-EEA states that are party to the Green Card Convention, the traffic insurance is valid as third-party liability insurance on the basis of the green card issued by the insurer, or without a green card where one is not required.
Roadside Assistance
Excluded
Towing and travel-cost cover (Hinaus- ja matkakuluturva) is not part of the statutory traffic insurance; it is available only as part of Turva's optional casco (kasko) cover.
Driver Accident Cover
Covered
Finnish traffic insurance is no-fault for personal injury: it compensates the driver's own bodily injury sustained in the traffic accident as part of the statutory personal-injury cover, without a separate driver-accident sum insured or cap.
Passenger Accident Cover
Covered
Passengers injured in a traffic accident are compensated for personal injury under the same statutory, uncapped personal-injury cover as other affected persons, without a separate passenger-accident sum insured.
Key conditions
Territorial scope
The traffic insurance is valid in all EEA member states. In non-EEA Green Card Convention states it is valid as third-party liability insurance based on the green card, or without one where not required, with compensation determined by the law of the country where the accident occurred. The insurance is not valid in Russia, Belarus, or Iran.
Green card rules
Policyholders can obtain a green card from Turva as proof of insurance when driving abroad in Green Card Convention countries outside the EEA. In these countries, compensation for a traffic accident is determined according to the legislation of the country where the accident occurred.
Driver restrictions
The terms and conditions do not set age or licence-type restrictions on who may drive the insured vehicle. However, the policyholder must be the vehicle's registered owner or keeper, and the registered keeper must be the vehicle's actual user; Turva may cancel the policy within 14 days if a person who is not obligated to insure the vehicle has been listed as policyholder.
Claim notification deadline
The policyholder must notify Turva or its representative of a traffic accident without undue delay upon becoming aware of it. The claim report can be submitted electronically, by phone, or by post using the claim form, and the policyholder must provide all information and documents needed to process the claim.
Bonus-malus rules
Under the 1.6.2025 policy terms, a new claim-free policy starts with a minimum bonus of 25% (or 0% if the customer does not consent to use of their insurance/claims history); Turva's current customer-facing pages instead advertise a raised minimum starting bonus of at least 35%. Bonus generally rises 5 percentage points per claim-free period under the T&C (plus a 5-point 'diligence bonus' every two consecutive claim-free periods), while turva.fi states bonus accrues at 10 percentage points per claim-free year, up to a maximum of 80%, reachable in as little as five years. A claim reduces the bonus by 15 percentage points from the start of the following insurance period. The 'Bonusturva' (bonus protection) preserves the bonus through the first claim once maximum bonus (bonus class 19, 80%) has been reached for at least two or three years depending on when the policy began.
Where to buy
Documents
Traffic Insurance Terms and Conditions for Private Customers (1.6.2025)
terms_and_conditions
Vehicle Insurance Terms and Conditions for Private and Business Customers (1.1.2025)
terms_and_conditions
Vehicle Insurance Guide for Private Customers (1.1.2026)
other
Insurance Product Information Document - Vehicle Insurance (Liittokasko)
ipid
IPID Traffic Insurance (12/2020)
ipid
Policy specifics
Bonus Protection (Bonusturva)
Optional protection that prevents the first claim from reducing the bonus once maximum bonus (80%) is achieved
No Deductible
Motor Third Party Liability Insurance does not have a deductible
Maximum Compensation Limit
Maximum compensation limit of 5 million euros for bodily injury and property damage to third parties
Bonus System (Bonusjärjestelmä)
System with starting bonus of minimum 35% and maximum bonus of 80%, with bonus accumulation of 10 percentage points per claim-free year
Coverage Area
Coverage valid in Finland and ETA countries as well as Green Card convention countries, with specific exclusions
Claims Notification Requirement
Policyholder must notify Turva or its representative without undue delay upon a traffic accident
Policyholder Ownership Requirement
Policyholder must be the registered owner or keeper of the vehicle in the vehicle register, and the keeper must be the actual user