Reporting your claim

Call If's service number and choose 9 for service in English.

If you have a loss or damage, you can

Call If's service number

Call If's service number +358 10 19 19 19 and choose "9" for service in English. See opening hours. In emergency, if you need help for towing your car or have suffered an accident, you can call us 24/7.

File a claim on My Pages

My Pages are currently available in Finnish and Swedish. You can log into My Pages 24 hours a day using Finnish online banking credentials or a mobile certificate.

What happens next?

After you have completed the claim report, we will handle your claim as quick as possible. We will contact you, if we need more information for claims handling.

Towing and roadside assistance

If the battery is empty, the indicator light is on, the tire is punctured or there is another technical problem with the vehicle. Or your vehichle is in a ditch or unfit for driving, and must be towed to a workshop. 

Order If's towing and roadside assistance online and you will get help quickly. We will recognize your location if you have your phone's  location services on. Our towing service will call you within a few minutes.

You can also order towing by calling 010 19 18 40.
Towing service abroad +358 10 515 8777.

Windshield damage

If the vehicle windshield breaks or in the event of other windshield damage. Book an appointment with a windshield repair shop. The repair shop will handle the notification to the insurance company and consider that a repair time is reserved for the vehicle.

Find your closest repair shop on the map by typing your vehicle registration number and your location.

If you are unable to continue your journey and need towing, order towing online or call 010 19 18 40.

How long will claims handling take?

When you report your claim online, it will usually be handled at once. If you have filed the claim in the evening or during the weekend, we will start handling your claim on the following working day. Claims made by phone will also be processed immediately. In most cases, you will receive our claim decision immediately.

More complex claims that require further information or documents, will be handled as soon as possible.  For example, building damages, which require investigating the reason for the damage, typically require a longer handling time than usual.

Where can I send the documents?

Our experts will check the need for documentation on a case-by-case basis and we will contact you if we need them. 

You should keep the documents and receipts at least until you have received a claim decision or the compensation payment.

How do I know whether If will compensate my claim?

Each case is unique. Once we have been informed of the claim and related circumstances, we can see if it is compensable. 

What is a deductible?

A deductible is the part of the claim you will have to pay yourself. The deductible is often deducted from the compensation paid to you. 

What is the basis for compensation?

Compensation must be applied for within one year from the date on which you became aware of the insurance event (and there is a valid insurance you can claim compensation from.) 

In order to get compensation, the following must apply: 

  • Your insurance was valid at the time of insurance event.
  • The injured person or damaged vehicle or property is covered by the insurance.
  • The loss is eligible for compensation under the insurance terms and conditions.
  • The information on the claim report is correct. Incorrect information may cause the compensation to be refused.

When should I report the loss or damage to the police?

You should always file a report with the police if in the case of a crime, malicious damage or bodily injury incurred in traffic.

I am dissatisfied with the compensation decision

If you are dissatisfied with the compensation decision, you may request a reconsideration of your case and appeal the insurance company’s decision.

See the instructions