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Car Insurance, Van Insurance and Motorhome Insurance

  • Generous bonuses on your car insurance If gives you generous bonuses on your insurance. If you are an experienced driver, you also get bonus protection cover.
  • Pricing by mileage If your annual mileage is low, this is taken into account in the price of your car insurance.
  • 24/7 helpline included in all car insurance policies If your car leaves you stranded at the roadside or otherwise lets you down, don’t worry. Assistance is available 24 hours a day.

Motorbike Insurance

  • Seasonally adjusted insurance premiums An insurance with premiums set according to the season, i.e. a continuous policy, is the most appropriate option for those who take the motorbike out from the garage in early spring and continue riding it well into the autumn. Laid-up motorbike insurance is the cheapest option if your bike is only on the road for 6 months of the year or less. 
  • Generous bonuses on your motorbike insurance You will immediately receive an 80% starting bonus on Casco insurance, and If’s motor third party liability insurance offers the fastest growing bonuses in Finland.
  • Convenient monthly invoicing You can pay your invoices in up to 12 instalments at no extra cost.

Boat Insurance

  • No awkward storm restrictions If’s boat insurance also provides protection in case of sudden changes in weather. We cover the damage regardless of wind speed.
  • Full bonus at sea You instantly receive a bonus of 60% on full Casco insurance for your boat.
  • Lowest excess in Finland In case of theft, malicious damage or fire, you only pay an excess of EUR 100.

Insurance for other vehicles

  • You can also use If Vehicle Insurance to insure other vehicles, such as your caravan, trailer, moped or quad bike.
Car Insurance
Motorbike Insurance
Boat Insurance
Registration of vehicles
Terms and conditions and insurance guides

Car Insurance, Van Insurance and Motorhome Insurance

Motor third party liability insurance and Casco insurance

Motorthird party liability insurance is a mandatory insurance that covers damage and injury to a third party in the event of an accident. 

All vehicles subject to registration and other motor vehicles used on a road must be covered by motor third party liability insurance. 

The insured object is the vehicle and equipment specified in the insurance policy.

Casco insurance is a voluntary insurance that complements the mandatory motor third party liability insurance and covers damage to your own vehicle. Casco insurance consists of different types of protection and you can choose the level of cover. 

If’s Casco insurance lets you choose between two options: limited semi Casco insurance and comprehensive full Casco insurance. 

Insurance options
What does the car insurance cover?Full Casco insurancePartial Casco insuranceMotor third party liability insurance
Motor third party liability insuranceXXX
If Apu 24/7 assistanceXXX
Towing and travel expensesXX
Theft, malicious damage and fireXX
Third party liability insurance abroad or legal expenses insuranceXX
Personal injury cover for driver and passengersXX
Pet coverXX
Collision with an animalXX
Collision, driving off the road or natural forcesX
Parking coverX
Optional extras
Windscreen coverXX
Redemption coverX
Replacement carX

Motorbike Insurance

  • In terms of content and price, your If Motorbike Insurance will be tailored based on your
    biking season and your bike.
  • You can pick the traditional version involving standby time or a seasonally priced insurance.
  • You get a properly dimensioned insurance coverage and claims handling the way it should be.
Insurance options

What does motorbike insurance cover?

Full Casco insurance

Partial Casco insurance

Motor third party liability insurance

Motor third party liability insuranceXXX
If Apu 24/7 assistanceXXX
Towing and travel expensesXX
Theft, malicious damage and fireXX
Third party liability insurance and legal expenses insuranceXX
Collision with an animalXX
Collision, driving off the road or natural forces X
Optional extras
Parking coverX
Redemption cover  X
Replacement car or daily compensationX

Boat Insurance

What does the boat insurance cover?

Full Casco insurance

Partial Casco insurance

If Apu – assistance at sea 24/7
XX
Fire damage
XX
Personal liability insurance
XX
Damage during transport and storage
XX
Theft or malicious damageXX
Machine damage (optional add-on cover for a fee)
X
Finance cover (optional add-on cover at no extra charge)
X
Sinking or leaks
X
Damage at sea (e.g. storm, wind gust, grounding or collision)
X

Registration of the vehicle

Switch insurance provider in a few steps

You can easily transfer an existing motor third party liability insurance to If. If will take care of the change in insurance company without any paperwork or visits to the vehicle inspection office.

When you buy your insurance in the online shop, the information about the change of insurance company is shared with the vehicle register free of charge. All you need to do is buy the insurance – If takes care of the rest.

Register your car at the same time you buy your insurance – the online shop is open 24 hours a day.

Whenever a car or other vehicle changes hands, it must be registered, irrespective of whether it is a new or used vehicle. In order to register the vehicle, the vehicle must be covered by motor third party liability insurance, but you can purchase insurance and take care of registration at the same time via If’s website. The easiest and cheapest way to register your vehicle is to do this online while you buy your insurance.

Calculate the price of your insurance

Calculate the price of your insurance

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