Turva Motor third-party liability (Liikennevakuutus)

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.

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.

Section: 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.

Section: 13 Toimenpiteet vahingon satuttua

Vakuutuksenottajan tulee liikennevahingosta tiedon saatuaan viipymättä ilmoittaa asiasta Turvalle tai sen edustajalle.

Bonus-malus rules

New customers start with a minimum bonus of 35% (0% if the customer does not consent to use of their insurance and claims history). The bonus rises by 10 percentage points for each claim-free insurance period, up to a maximum of 80%, reachable in as little as five years. The vehicle must have been in traffic use for at least 120 days in the period (90 days for motorcycles) for the bonus to rise. A claim reduces the bonus by 15 percentage points from the start of the following insurance period; the bonus then rises by only 5 percentage points in the first period after a claim before resuming the normal 10-percentage-point annual increase. The Bonusturva (bonus protection) preserves the bonus through the first claim once the 80% maximum bonus has been reached and held for the required period.

Section: Liikennevakuutusehdot > 8 Turvan bonusjärjestelmä > 8.4 Bonuksen muodostuminen vakuutuksen alkaessa henkilöasiakkailla

Jos vakuutuksenottajalla ei ole vakuutus- ja vahinkohistoriatietoja, uuden vakuutuksen bonus on 35 %.

Territorial scope

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.