Insurance on your motor vehicle Product guide Vehicle Cover – motor liability insurance and comprehensive motor vehicle insurance Product guide, valid as of 1 June 2017.

OP is the right choice Encouraging a safe traffic culture Best drivers rewarded. If you take out a new OP motor liability insurance for a Drive two insurance periods at 80 per cent and earn car, the initial bonus is 40%. Your driving skills will have bonus cover. One road accident will not reduce your 1 improve quickly to begin with, and so will your bonus. 2 bonus. Low deductible helps. Vehicle use taken into account in pricing. The comprehensive motor vehicle insurance deductible There is no reason, for example, to decommission your 3 is only €150. 4 moped or motorcycle for the winter period.

Owner-customer benefits eServices As an owner-customer, your policies will earn you OP bonuses. If you Claim Help: vahinkoapu.op.fi/en are our owner-customer and have policies from three product lines, uusi.op.fi you are entitled to an almost 10% discount on most policies. and a Log in to the online service using your bank’s user identifiers. discount of nearly 18% on comprehensive motor vehicle insurance with no-claims bonus. Insurance services OP Claim Help and Repair coordinator service Contact us about any insurance and claims issues by phone on +358 (0)10 253 1333. OP Claim Help will instruct you what to do in case of loss. You can • From mobile phones and landline networks in Finland, find the nearest OP repair shop partner on our website at vahi- EUR 0.0835 per call plus EUR 0.12 per minute. The price nkoapu.op.fi or OP-mobile. OP's repair coordinator at a repair shop includes VAT. takes care your car's repair and the loss report. In the case of motor vehicle damage, you can go directly to our authorised partner repair shop where our repair coordinators serve you. The repair coordinator Emergency Service 24/7 service will expand to cover the entire country. Car and home damage +358 (10) 253 0012 • domestic mobile subscriptions and landline network €0.0835 per call + €0.167 per minute (VAT included)

Contents

Motor liability insurance ...... 3

Motor Liability Insurance bonus tables...... 4

Choose comprehensive motor vehicle insurance suitable for your vehicle ...... 5

Seasonal rating ...... 7

Good to know ...... 8

Product guide contains the main content of the insurance and the primary exclusions. For more details, please refer to the insurance terms and conditions. Please also read your policy document carefully. The insurance policies are granted by OP Insurance Ltd.

2 Motor liability insurance

Motor liability insurance covers Motor liability insurance is valid in the countries of the Eu- • property damage caused to a third party ropean Economic Area (EEA). Traffic accidents caused by you will be • costs arising from personal injuries or death indemnified either in accordance with the national laws of the country • clothes worn by injured travellers or carried with them, and where the accident occurred or the Finnish Motor Liability Insurance • personal items. Act, if the cover provided by the latter is better.

The vehicle's owner or holder must take out motor liability insurance Motor liability insurance is also valid in other Green Card countries. for motor vehicles used in traffic. When you register a vehicle, the In these countries, the loss or damage caused by you will be covered primary user must be entered as the vehicle keeper, and the vehicle’s according to the legislation of the country where the loss event oc- owner as the owner. In terms of the obligation to insure a vehicle, it is curred. The compensation amounts and practices may be inadequate irrelevant whether the vehicle has been registered or where it is used. to the driver and passengers. Before you head to Russia, for example, we recommend that both you and your passengers take out travel- Motor liability insurance must be taken out for the following, for ler’s and accident insurance. example, for: • cars When going abroad order a Green Card by logging into our • motorcycles and motocross bikes Internet Service at uusi.op.fi, then select My policies, Motor liability • mopeds and light quadricycles insurance. Check also your policies and make sure they are valid. • snowmobiles and quad bikes If you are not entered in the vehicle's registration certificate as the • tractors and motorised machinery owner or keeper, you will need written authorisation from the owner • semi-trailers and full trailers when going abroad. • caravans and light trailers.

Motor liability insurance does not cover, for example, • damage to your own vehicle, cf. comprehensive motor vehicle insurance • your property that was in the vehicle.

Crisis Cover is optional cover for passenger cars which will help you and your family to recover from a road accident your car was involved in. It carries no deductible and is valid in Finland. This cover is not offered for campervans or export-registered cars.

The cover compensates: • crisis therapy, 10 sessions, max. €1,500 • reasonable accommodation and travel expenses of two family members from their place of residence to where treatment is given and back, max. €1,000 • home help expenses for up to €500 and recovery compensation €100. • €15,000 to your beneficiary if you die.

Initial bonus 40% Quick bonus development Maximum bonus 80% Bonus cover

High initial bonus. Quick bonus development. Best drivers rewarded Even good drivers can have The driver is basically good When you start with a 40% The bonus may be 80% right bad luck. bonus and have no accidents in away if you have a long and An 80% bonus for two years – three years, you will achieve a claim-free insurance history. you will receive full bonus cover, bonus of 64%. meaning that one claim will not reduce your bonus.

3 Bonus classes Bonus classes • for a car whose insurance began on 1 June 2017 or later • for motorcycles • for a car whose insurance began before 1 June 2017. The bonus class in the next insurance The bonus class in the next insurance period when period when 1 2 3 1 2 3 Class % No losses Class % No losses Loss loss loss Loss loss loss 1 0 2 1 1 1 0B 0 0A 0B 0B 0B 2 10 3 1 1 1 0A 0 1 0B 0B 0B 3 20 4 1 1 1 00 0 2 0B 0B 0B 4 30 5 1 1 1 1 5 2 0B 0B 0B 5 40 6 2 1 1 2 10 3 0A 0B 0B 6 53 7 4 1 1 3 15 4 0A 0B 0B 7 60 8 5 1 1 4 20 5 1 0B 0B 8 64 9 5 1 1 5 25 6 2 0B 0B 9 67 10 6 2 1 6 30 7 3 0B 0B 10 70 11 6 2 1 7 35 8 3 0B 0B 11 72 12 7 4 1 8 40 9 4 0A 0B 12 74 13 7 4 1 9 45 10 5 1 0B 13 76 14 8 5 1 10 50 11 6 2 0B 14 78 15 9 5 1 11 55 12 7 2 0B 15 80 16 10 6 2 12 60 13 8 3 0B 16 80 17 11 6 2 13 65 14 9 4 0A 17 80 (BC) 17 15 9 5 14 70 15 10 5 1 15 70 16 10 5 1 If a fourth loss occurs, the bonus class goes down to class 1. 16 70 17 10 5 1 17 70 18 10 5 1 18 70 19 10 5 1

If a fourth accident occurs, the bonus class goes down to 0B.

Motor liability insurance bonus is determined automatically Do you use more than one car or motorcycle? You by the policyholder’s personal insurance and claims history. A data- can have the same bonus for all your cars and the same bonus for all base used jointly by insurance companies will create or has already your motorcycles according to your insurance and claims history. created one personal insurance and claims history of the cars you have insured, and another one of motorcycles. Bonuses will no longer Any loss caused by one car only affects the motor liability insurance be transferred from the policy of your previous vehicle. of that car from the beginning of the following insurance period. The loss will not have an effect on the policies of your other cars. The loss The initial bonus is 40% for a car and 20% for a motorcycle if does, however, have an effect on any new policy you take out. The you have no prior insurance and claims history. If you do not want principle applies to motorcycle insurance policies. your claims history to be used to determine your bonus, the initial bonus for a car and motorcycle is 0%, the bonus class 1 and 00, respectively. For unregistered vehicles, no no-claims bonus can be Any loss caused by one earned under motor liability insurance. car affects the motor liability Any loss will only insurance of that car from the affect a new policy beginning of the following you may take out when The bonus class increases after each no-claims year or decreases changing car 2. after any claims, as indicated by the tables. In order for the bonus to insurance period. increase, the vehicle must be in use for at least 120 days during the insurance period.

Full bonus cover for a car enters into force when you drive two insurance periods with no claims at a bonus of 80%. Thanks to Car 1: Bonus 80% Car 2: Bonus 80% the bonus cover, the first road accident will not reduce your bonus. The bonus will only go down to 72 per cent if there is a claim pro- vided the insurance has already been the highest 80 per cent for one insurance period. If you have more than one car in the family, each user must insure their own cars. If you do this, any loss that occurs will not affect the bonus levels of any other car used by the family.

4 Choose comprehensive motor vehicle insurance suitable for your vehicle • Registered motorcycle used in traffic • Campervan (maximum weight of 6,000 kg) • Light quadricycle • Moped • Quad bike • Passenger car • Snowmobile • Van • Campervan • Lorry, at most 6,000 kg • Trailer, maximum weight of 3,500 kg Coverage Super Motor Standard Motor Medium Motor Medium Motor Insur- Coverage Maxi Motor Insurance Insurance Insurance Insurance ance For cars that are Cars registered For cars that For vehicles that are brand For vehicles that do not brand new to 15 6–19 years ago do not require new to 15 years old. require collision cover. The years old worth no more collision cover. vehicle may be brand new than 15,000 euros The car may be to up to 25 years old. brand new to up Collision x to 25 years old. Deer x x Collision x x Fire x x Deer x x x Theft x x Fire x x x Right x x Theft x x x International x x x x x Right liability x x x International Vandalism x Selectable for light liability quadricycles Vandalism x x Selectable Emergency Included Selectable Emergency x x Selectable Road Service • for motorcycles • for motorcycles Road Service • for campervans • for campervans Parking Available for • for moped cars • for moped cars passenger cars Parking Selectable Screen and Selectable • for motorcycles Window • for campervans. Consequential Selectable Screen and Available for campervans. Loss Window Super salvage Selectable Consequential Selectable Financing Selectable Selectable Loss • for motorcycles • campervans. NB. Replacement Available for motorcycles. You can take out motor liability insurance and Super Motor Insurance on your Value Cover export-registered car without the need for any of the above additional cover- age. Financing Selectable NB. • You can take out not only motor liability insurance on your unregistered motorcycle but also Medium Motor Insurance without the optional ad- ditional coverage described above. • You may obtain insurance for fire, theft or legal expenses for a tractor that is 0–50 years old and not in productive use.

Comprehensive motor vehicle insurance is voluntary. Comprehensive motor vehicle insurance is valid You will be compensated against various panelling and glass losses throughout Europe and in Green Card member countries outside and can be sure to receive help quickly. Europe, with the following exclusions: • In Russia, comprehensive motor vehicle insurance is valid only in Depending on the cover you have chosen for your comprehensive the European part of the country. Insure your passenger car or motor vehicle insurance, we compensate for damage to motorcycle separately against theft if you plan to drive to Russia, • your motor vehicle Belarus, Ukraine or Moldova. • any fixed standard equipment or equipment intended for use • Theft cover as part of Medium Motor Insurance is not valid in only in the vehicle that is included in the recommended retail Estonia, Latvia, Lithuania, Poland, Russia, Belarus, Ukraine and price of your motor vehicle Moldova. The territorial scope of validity of theft cover included in • winter or summer tyres kept in storage. Medium Motor Insurance cannot be extended. • Emergency road service cover included as part of Medium Motor Permanently fitted voice and image reproduction devices are covered Insurance is valid only in Finland, Sweden, Norway and Denmark for up to €5,000 under Super and Maxi Motor Insurance, and for up and in transportation between these countries. to €700 under Standard and Medium Motor Insurance. Any material damage If you have equipment that is separate from the vehicle, keep them The deductible is higher abroad occurring outside the Nordic countries carries a double deductible. If in a locked space and lock any equipment in shared garages onto a your passenger car or motorcycle is stolen in Estonia, Latvia, Lithu- fixed structure. ania or Poland, the deductible accounts for 20% of the loss but no less than €600. 5 What do the various comprehensive motor vehicle insurance policies cover? Coverage We compensate Deductible Things to note Collision for damage caused by a sudden external event to your vehicle, such as collision See your insurance No-claims bonuses and loss of bonuses, p. 6. or crash, the vehicle running off the road or turning over, road collapse and a tree policy about the agreed falling over in a storm. deductible. Theft when your vehicle that you locked has been broken into, used without permission, Check the coverage before you go abroad, or an attempt at this has been made, and you have reported the offence. p. 4. €150 The deductible is € 450 if a quad bike or a quad bike registered as a tractor is stolen from somewhere other than a locked place. Deer for damage to your vehicle when your vehicle collides with a deer or other animal. €150

Fire for damage caused to your vehicle from fire. For example, a piece of electrical €150 equipment in your vehicle short-circuits and causes a fire. Vandalism for damage when an external party (but not another vehicle) has vandalised your €150 vehicle. Right reasonable legal expenses and expenses associated with the presentation of 15% of expenses, at least The insurance must be valid at the time the evidence, where the insured person is EUR 200/loss event alleged crime was committed in a criminal - the respondent in matters related to endangering road safety case, and in a civil case when an agreement - the complainant or the claimant in a criminal case was made, an event occurred or some other - the plaintiff or defendant in a civil case concerning the ownership, repair, circumstance arose. maintenance or insurance compensation of the insured vehicle.

Sum insured €10,000. Emergency for costs of repair performed at the accident site, costs of towing or pulling the car No deductible If your car drive is interrupted abroad, Super Road Service back onto the road or other costs, such as costs of accommodation, or of a train or Motor Insurance’s Emergency Road Service bus ticket up to the price of the trip back home, should your trip be interrupted if can help you obtain a rental car. your vehicle has become faulty or been damaged, or has been used without your permission. International loss occurring in a non-ETA-area Green card agreement country, such as Russia, €150 This insurance is not valid in Iran, Tunisia or liability if you have personal indemnification liability as the guilty partner of a road Morocco. accident and if the indemnity surpasses the indemnity to be paid from motor liability insurance according to the laws of the country in question. The maximum reimbursement amounts to EUR 100,000 in personal injuries and EUR 50,000 for damage to objects. Parking if your parked vehicle was hit by another vehicle that remained unidentified. €150 We require that you can reliably explain to us about where and when the accident has happened. Screen and when broken by being directly hit by something. 150 euros if the glass is Window changed and 0 euros if the glass is repaired but not replaced. Loss of use of replacement car brought to the loss site, made available to you for up to 7 days if No deductible passenger car your journey is interrupted owing to a technical fault in your car.

You can have a replacement car brought to the loss site, made available to your for 30 days, or you can choose a EUR 50 daily compensation while your car is being repaired as a result of a loss covered by the policy. Loss of use of a daily compensation of EUR 40 or EUR 90 for up to 30 days if your vehicle is No qualifying period or other vehicles being repaired as a result of a loss covered by the policy. You can check the agreed a qualifying period of amount of daily compensation in your policy document. three days in which case indemnity is paid from the fourth day onwards. Super salvage in terms of the cash sales price of your car (a maximum of 3 years old and a The deductible for the maximum of 60,000 km driven) when our repair cost estimate accounts for more cover to which the loss is than 50% of the price of an equivalent new car. Comprehensive motor vehicle related. insurance must have been valid from the time you bought your vehicle.

If you have a used car, we may redeem it for its current value plus up to 30% if our repair cost estimate accounts for more than 60% of the car’s current value before the accident. The compensation can nevertheless not be more than the purchase price. Replacement cash sales price of your motorcycle (a maximum of 3 years old), when our repair The deductible for the Value Cover cost estimate accounts for more than 50% of the price of a new equivalent one. cover to which the loss is Comprehensive motor vehicle insurance must have been valid from the time you related. bought your vehicle. Financing to the vehicle owner, e.g. a dealership or finance company, for loss of or damage to The deductible for the the vehicle in certain situations if compensation is otherwise refused according to cover to which the loss is our terms and conditions. related.

Comprehensive motor vehicle insurance does not cover, for example • damage caused by manufacturing defects, wear and tear, poor maintenance or careless handling • damage caused by defective circulation of oil or coolant or the use of the wrong kind of fuel • loss in case a generator, electric motor, battery or other electrical equipment short-circuits and is consequently damaged • damage caused by load, a person, animal or object inside the vehicle • damage caused by water if the vehicle was driven on a road or other surface partly or wholly covered by water • damage taking place in a race, when training for a race or on a race track • mobile handsets, portable music players, and equipment, structures, decorative and special paintwork and taping in competitive use • loss coverable under a guarantee, owing to a fault in the product, or under product liability. 6 Bonus for comprehensive motor vehicle insurance's collision cover The price of the insurance changes annually with the policyholder and the vehicle, because they have a significant cause- and-effect relationship to claims expenditure. The municipality where 8 yrs 70% the vehicle is used may also change the price.

During the validity of a policy, we weight the effect of pricing fac- 7 yrs 60% tors against claims paid out over several years. We review the price and pricing factors to match the level of risk. We will also adjust the 6 yrs 50% premium annually in response to changes in claims paid out, and for other reasons referred to in the general terms of contract.

5 yrs 40% In addition to the above, the insurance company has the right to make price changes as a result of bonus and customer loyalty and 4 yrs 30% other similar reasons. Any customer benefits and discounts and their grounds, duration, va- 3 yrs 20% lidity or amounts that were valid when buying the policy may change or end later. 2 yrs 10% Seasonal rating 1 year 0% The motor liability insurance and comprehensive motor vehicle insur- ance of a motorcycle, moped car, moped, quad bike, snowmobile and campervan are valid throughout the year, but there is no reason to decommission any of them or cancel the comprehensive motor Collision cover always begins with a bonus of 70%. The vehicle insurance for a certain part of the year for price reasons. The collision cover bonus will drop only to 60%, if your bonus has been premiums are lower during months when a vehicle is unlikely to be 70% for at least five years. used. If there is a year when you will not be using a vehicle when you normally would, you can of course decommission it. No-claims periods increase the bonus of 10 percentage points a year. Any claims reduce the collision cover bonus by 20 percentage points. A claim filed due to a storm or hail does not reduce your bonus. Distribution of premiums of motorcycle insurance The premium that covers motor liability insurance losses and the Collision cover is also available for most vehicles without no-claims premium for Maxi Motor Insurance’s collision cover are distributed as bonus entitlement. Please do not hesitate to contact us for more illustrated here. The premiums are higher during the months when information. the risk of loss or damage is highest. The motor liability insurance management fee and the premiums of other than collision cover included in the comprehensive motor vehicle insurance are divided Factors affecting insurance equally throughout the year. costs 20% 20% 20% The insurance premium is based on the vehicle’s properties • make and body type 15% • tare weight or total weight 10% 10% • cylinder volume • power-to-weight ratio (kW/kg) 5% • age and municipality where used. 0% 0% 0% 0% 0% and your own details and choices Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec • your (the policyholder’s) age • your bonus for motor liability insurance and Collision Cover included in comprehensive motor vehicle insur- ance • the type of the comprehensive motor vehicle insurance you chose • the deductible you choose for Collision Cover.

7 460188f 5.17 off-road registration pe a storm or hail,althoughcollision cover valid isnot during otherwise the cover, we willcompensate you for thedamage caused to your vehicle by Salvage. Ifyour comprehensive motor vehicle insurance includescollision vandalism,theft, legalexpenses, parking and windscreen cover and Super insurance, they willcontinue to bevalid during theoff-road period:fire, If any ofthefollowing are includedinyour comprehensive motor vehicle motor vehicle insurance that are still valid, and alsothemanagement fee. During decommissioning, you still pay for covers under comprehensive stationinspection to agarage for repair or to place its ofstorage. drive your vehicle only for booked inspection inadvance, and from the information willbeforwarded to us. During theoff-road period,you may ily by fillinginadecommissioning notification at trafi.fi, the from which or by someonewithout adriving licence. vehicle hasbeendriven under theinfluence ofalcohol or other intoxicant gross negligence. Similarly, we willreduce or reject compensation ifthe safety regulations or ifdamage hasbeencaused deliberately or through We may reduce compensation or not pay any ifyou have overlooked the damage. They concern locking,fire safety and safe driving. the insurance terms and conditions help you prevent and reduce loss/ and conditions alter, at thebeginningofa new insurance period,theinsurance terms ance period. this intheInternet Service. losses. willbevalidThe policy until you terminate it inwriting. You can do example, to your unpaid premiums, we willnot compensate for any insurance takes effect asagreed. cannot Ifapolicy begranted due,for premium bepaidinadvance. Inthemain,comprehensive motor vehicle not apply for it retrospectively. Incertain cases, we require that thefirst plication, or at theearliest ontheday theapplication issigned. You may liability insurance takes effect onthedate recorded intheinsurance ap- have valid motor liabilityinsurance whenyou register your vehicle. Motor Value Cover, seepage5. redeem your vehicle for fair its value. Super Salvage or Replacement over 70%ofthecurrent value ofyour vehicle at the timeofloss, we will market situation at thetimeofloss. When therepair costs account for vehicle or relevant its or part, thecash sales price ofthevehicle inthe before theloss. The maximum compensation isthecurrent value ofthe Your compensation willbewhat your vehicle or part ofit was just worth within 10years oftheoccurrence ofloss. loss or damage and consequences. its A claimmust befiledin any case aware ofthe validity ofyour insurance and received information about the You must fileaclaimwithin12monthsofthedate when you became apu.op.fi or OP-mobile. The policy mayThe policy bechanged annually. The minimum premium Decommissioning. New owner. Inception and termination ofinsurance. Filing aclaim. safetyObserve regulations. bought onhire purchase becomes theowner. hensive motor vehicle insurance willnot endifthekeeper ofthevehicle vehicle insurance willendwhenthevehicle changes owners. Compre- be insured and registered again. The validity ofthecomprehensive motor ance willremain valid for seven days, during whichtimethevehicle must Good to know Good toknow When avehicle changes owners, themotor liabilityinsur-

When aloss occurs, look for instructions at vahinko­ riod. You can decommission your vehicle temporar-

may becharged per for policy an insur-

The safety regulations includedin We have theright to

You must already allowed to expire ifthepolicyholder or theinsured person has more information, please goto our website. in ajoint claimsand misuseregister kept by insurance companies. For if submitting suchinformation isbasedona law. Claimsdata iscollected give any of your information to third without parties your consent except ters. We willuseour customer register for marketing purposes, but not registers maintained by publicauthorities, and credit information regis- tain theinformation we needfrom you have you, theparties authorised, with thePersonal Data Act and gooddata processing practice. We willob- period onthebasisof and premiums and other terms ofcontract at theendofinsurance Our right oftermination. Confidentiality. Insurance and financial advice isprovided by numberservice +358(0)102531333 please phoneour For assistance withinsurance and claimsmatters, by distraint. charges, and we may collect delayed motor liabilityinsurance premiums lation notification. We willalsocharge penaltyinterest and collection effective intwo weeks’ timefrom thedate whenwe sent thecancel- comprehensive motor vehicle insurance and Crisis Cover soasto become If apremium hasnot beenpaidby theduedate, we may cancel a been given, thereimbursement may becut or deniedentirely. Enter theowner and keeper information correctly. Iffalse information has changes donot affect content theprimary oftheinsurance contract. terms and conditions and other terms ofcontract provided that the insurance isvalid. We may alsomake minor changes to theinsurance purchase onthebasisofwhichpayment may alsochange while the Various price factors affect theinsurance premium at themoment of You may alsosubmit thecase to court withinthree years ofour decision. tlement decisions You can filea complaint or an appeal related to insurance and claimset- • • • • • • • • • • • • • thus increased therisk ofloss or damage. for example, handed over property to an outsider and caused loss or damage wilfully or through gross negligence failed to thesafety observe regulations provided incorrect information a change intheclaimsexpenditure for theinsurance. crisis unforeseen change incircumstances, suchasan international authorities new or amended legislation or aregulation issued by the liikennevahinkolautakunta.fi By contacting kuluttajaneuvonta.fi or kuluttajariita.fi +358 (0)96850120,fine.fi By contacting FINE'sFinnishInsurance Complaints Board, tel. By emailto [email protected] insurance and financial advice on+358(0)96850120,fine. The FinnishFinancial Ombudsman Bureau (FINE)provides Domicile: Helsinki,mainlineofbusiness: insurance operations

We willhandle your personal data inaccordance OP Insurance Ltd, Business ID1458359-3;Helsinki Insurance may alsobecancelled or be Gebhardinaukio 1, 00013OP