Turva
Turva is a motor third-party liability insurance for the FI market with online purchase and 24/7 assistance.
Direct payment
Claims are paid directly to the injured third party by Turva. No deductible applies to MTPL claims. The insured must notify Turva of the accident without undue delay via the TaskuTurva app, by phone, online, or by post.
Geographic scope
FI
Valid in all EEA states and Green Card member states (excluding Russia, Belarus, Iran, Kosovo, and northern Cyprus). Outside EEA Green Card states, compensation is governed by the law of the country where the accident occurred.
Unique selling points
- Turva has been ranked Finland's number-one insurer for customer satisfaction by EPSI Rating for 14 consecutive years.
- Bodily injury claims under MTPL are compensated without any upper limit, providing unlimited protection for injured third parties.
- No deductible applies to any MTPL claim – third parties are fully compensated from the first euro with no excess charged to the policyholder.
- A personal bonus protection (bonusturva) is automatically earned at the maximum 80% bonus level, preventing the first accident from reducing the accumulated discount.
- The TaskuTurva mobile app provides 24/7 access to emergency assistance, claim reporting, insurance cards, and nearest repair shops – all in one place.
Coverage limits
Bodily injury liability
Covered
Covers bodily injuries to third parties caused by use of the insured motor vehicle in traffic, with no upper limit on compensation amount, in accordance with the Finnish Motor Liability Insurance Act.
Property damage liability
Covered
Covers property damage to third parties (including vehicle and other property) caused by use of the insured motor vehicle in traffic. Maximum compensation is 5 million euros per accident in accordance with the Finnish Motor Liability Insurance Act.
Legal defence
Excluded
Legal defence coverage is not included in the MTPL policy. It may be available as part of optional casco or separate legal expenses insurance.
Green card (international coverage)
Covered
The MTPL policy is valid in all EEA states and in Green Card member states outside the EEA (excluding Russia, Belarus, Iran, Kosovo, and northern Cyprus) on the basis of a green card issued by the insurer, or without a green card where one is not required. Outside the EEA, compensation is determined by the law of the country where the accident occurred.
Roadside assistance
Excluded
Roadside assistance is not included in the MTPL policy. A 24h vehicle emergency helpline (01019 5111) is provided for reporting purposes, but roadside assistance itself is part of optional casco coverage.
Driver accident coverage
Conditional
The MTPL policy covers bodily injury to the at-fault driver only if another vehicle or third party is involved and the driver is not fully at fault. Driver injuries caused by the driver's own negligence, gross negligence, or intoxication may be reduced or denied. Intentionally self-inflicted injury is never compensated.
Passenger accident coverage
Covered
Bodily injuries to innocent passengers are covered without an upper limit on compensation under the Finnish Motor Liability Insurance Act.
Key conditions
territorial_scope
The policy is valid in all EEA member states. In Green Card member states outside the EEA, the policy is valid as liability insurance on the basis of the green card issued by the insurer, or without a green card where one is not required. Compensation in non-EEA Green Card states is determined by the law of the country where the accident occurred and may be significantly lower than in Finland. The policy is explicitly not valid in Russia, Belarus, or Iran. For transit through non-Green Card states between EEA countries, EEA citizens are also covered.
green_card_rules
The green card is issued by Turva and is required for travel in Green Card member states outside the EEA (except where not mandatory). In EEA states, no green card is required. Compensation in non-EEA states is governed by local law, which may result in significantly lower compensation than under Finnish law. Driver and passenger injuries in non-EEA Green Card states are not covered at all. Personal travel insurance for the driver and passengers is recommended for travel outside the EEA.
driver_restrictions
The policyholder must be the registered owner or keeper of the vehicle in the vehicle register. The keeper must be the actual user of the vehicle. If a person other than the obligated insurer is listed as the policyholder, Turva has the right to cancel the policy within 14 days of becoming aware of the irregularity.
claim_notification_deadline
Upon learning of a traffic accident, the policyholder must notify Turva or its representative without undue delay. The claim report can be submitted electronically, by phone, or by post using the claim form. The policyholder must provide all information and documents necessary to process the claim. If a compensation claim is directed at the policyholder or another party involved in the accident, it must be forwarded to Turva.
bonus_malus_rules
The bonus system applies to privately owned registered cars and motorcycles (not museum vehicles). The maximum bonus is 80%, achieved at bonus class 15 or above. For policies started on or after 1 November 2019, the bonus increases by 5 percentage points per claim-free year, plus an additional 5 percentage point "diligence bonus" (huolellisuusetu) for every two consecutive claim-free years. The vehicle must be in traffic for at least 120 days per year for the bonus to increase (90 days for motorcycles). Each compensated claim reduces the bonus by 15 percentage points (for cars, policies from 1 January 2017 onwards). A personal bonus protection (bonusturva) applies when the policyholder has reached bonus class 19 (80%) and prevents the first claim from reducing the bonus.
Where to buy
Policy specifics
Replacement vehicle benefit
MTPL does not include replacement vehicle benefit (this is part of optional Casco coverage)
Third party liability coverage
MTPL covers bodily injury and property damage to third parties with maximum compensation limit of 5 million euros
No deductible for MTPL
MTPL (Motor) has no deductible (omavastuu) for third party claims
Bonus system
MTPL includes a bonus system with maximum bonus of 80% for vehicles with clean claims history
Off-road season benefit
MTPL and certain Casco covers provide refund option when vehicle is removed from traffic for minimum 30 continuous days
Geographic exclusions
MTPL does not cover claims in Russia, Belarus, or Iran
Legal compliance required
MTPL claims requirements include proper vehicle registration, valid driving license, and compliance with traffic laws
Mandatory claim notification
Insured must notify Turva of accidents and damage claims within statutory timeframes