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
unlimited
Traffic insurance compensates personal injury caused by the use of the motor vehicle in traffic in Finland in accordance with the Traffic Insurance Act. Under the Act no maximum amount is set for personal-injury compensation.
Henkilövahinkojen korvauksille ei sen sijaan ole asetettu enimmäismäärää.
Property Damage Liability
€5,000,000
Property damage caused to a non-liable third party by the use of the insured vehicle is compensated up to a maximum of EUR 5 million per insurance policy responsible for the damage, as set by the Traffic Insurance Act.
Esinevahinkona korvataan enintään 5 miljoonaa euroa kutakin vahingosta vastuussa olevaa liikennevakuutusta kohden.
Legal Defence Cover
Not established from the reviewed documents
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.
Section: 13 Toimenpiteet vahingon satuttua
Vakuutuksenottajan tulee liikennevahingosta tiedon saatuaan viipymättä ilmoittaa asiasta Turvalle tai sen edustajalle.
Green Card
Covered
No limit stated
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.
Section: 2 Vakuutuksen voimassaoloalue
Vihreän kortin yleissopimukseen liittyneissä ETA-valtioiden ulkopuolisissa valtioissa liikennevakuutus on voimassa vastuuvakuutuksena vakuutuslaitoksen antaman vihreän kortin perusteella.
Roadside Assistance
Not applicable to this product
Towing and travel-cost cover (Hinaus- ja matkakuluturva) is a benefit of Turva's optional casco (kasko) insurance and does not form part of the statutory traffic insurance, which does not cover damage to the policyholder's own vehicle.
Hinaus- ja matkakuluturvassa ei ole omavastuuta, kun hinauksen tai tiepalvelun hoitaa Turvan hyväksymä kumppani.
Driver Accident Cover
unlimited
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, uncapped personal-injury cover, without a separate driver-accident sum insured.
Section: 3 Vakuutuksen sisältö
Liikennevakuutuksesta korvataan moottoriajoneuvon liikenteeseen käyttämisestä Suomessa aiheutunut henkilö- ja omaisuusvahinko.
Passenger Accident Cover
unlimited
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.
Section: 3 Vakuutuksen sisältö
Liikennevakuutuksesta korvataan moottoriajoneuvon liikenteeseen käyttämisestä Suomessa aiheutunut henkilö- ja omaisuusvahinko.
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.
SourceClause 2Page 2Section: 2 Vakuutuksen voimassaoloalue
Liikennevakuutus ei kuitenkaan ole voimassa Venäjällä, Valko-Venäjällä eikä Iranissa.
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.
SourceClause 2Page 2Section: 2 Vakuutuksen voimassaoloalue
Näissä valtioissa sattuneen liikennevahingon korvaus määräytyy vahingon sattumismaan lainsäädännön mukaan.
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.
SourceClause 4.1Page 2Section: 4 Vakuutussopimus > 4.1 Vakuutuksenottajan tiedonantovelvollisuus ennen vakuutussopimuksen tekemistä
Jos vakuutuksenottajaksi on merkitty joku muu kuin vakuuttamisvelvollinen, Turvalla on oikeus irtisanoa vakuutus 14 päivän kuluessa virheellisestä menettelystä tiedon saatuaan.
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.
SourceClause 13Page 8Section: 13 Toimenpiteet vahingon satuttua
Vakuutuksenottajan tulee liikennevahingosta tiedon saatuaan viipymättä ilmoittaa asiasta Turvalle tai sen edustajalle.
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.
SourceClause 9.3.1Page 4Section: 9 Turvan bonusjärjestelmä > 9.3 Bonuksen muodostuminen vakuutuksen alkaessa > 9.3.1 Vakuutus alkanut 1.11.2019 tai sen jälkeen
Pienin uuden vakuutuksen bonus on 25 %, kun huomioitavalla vahinkohistoriajaksolla ei ole vahinkoja.
Where to buy
Documents
Traffic Insurance Terms and Conditions for Private Customers (1.6.2025)
Terms & conditions
Vehicle Insurance Terms and Conditions for Private and Business Customers (1.1.2025)
Terms & conditions
Vehicle Insurance Guide for Private Customers (1.1.2026)
Other document
IPID Traffic Insurance (12/2020)
IPID
Policy specifics
Bonus Protection (Bonusturva)
Optional protection that preserves the no-claims bonus through the first claim once maximum bonus (80%) is achieved
SourceNo Deductible on MTPL
Motor Third Party Liability Insurance has no deductible; third parties are fully compensated from the first euro
SourceBonus System (Bonusjärjestelmä)
Starting minimum bonus of 35% for new customers, maximum bonus of 80% (bonus class 19), with annual bonus accumulation of 10 percentage points per claim-free year
SourceCoverage Area and Territorial Restrictions
Coverage valid in Finland and all EEA member states; in Green Card Convention countries outside EEA, valid on the basis of green card or without one where not required; not valid in Russia, Belarus, or Iran
SourceClaim Notification Requirement
Policyholder must notify Turva or its representative of a traffic accident without undue delay upon becoming aware of it
SourcePolicyholder Ownership and Keeper Requirement
Policyholder must be the registered owner or keeper of the insured vehicle in the vehicle register; the registered keeper must be the vehicle's actual user
SourceDirect Compensation to Third Parties
Turva pays compensation directly to the injured third party rather than reimbursing the policyholder
Source