Reporting your claim

Call If's service number (open Mon–Fri from 8am to 8pm, Sat–Sun from 10am to 4pm).

Choose 9 for service in English

If you have a loss or damage, you can

  • Call If's service number +358 10 19 19 19 (open Mon–Fri from 8am to 8pm, Sat–Sun from 10am to 4pm) and choose "9" for service in English.
  • 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.

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.

If you need help for towing your car, fall ill or have suffered an accident, for example, you can contact us 24/7 at our service number +358 10 19 19 19 and choose 9 for service in English. 

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.