Car insurance
Choose the winner of Kuluttaja magazine’s test as your car insurance in Finland.
Why our customers choose us
Why insure your car with If?
Which car insurance is right for me?
Car insurance should be suitable for your needs. That’s why we’ve designed our car insurance to give you the flexibility to pay based on your driving habits, and you can customise the insurance to suit your current situation. Without forgetting our multi-policy discounts.
Compare the price of Full Casco and the more affordable Semi Casco – with or without additional covers. Casco insurance is also a worthwhile option for an older car, as you can get the insurance at a surprisingly affordable price.
Compare car insurance policies
What is included in car insurance?
Car insurance needs to be tailored to your specific needs. Motor third party liability insurance is mandatory in Finland for all vehicles used in traffic, while casco insurance is a voluntary insurance that supplements the mandatory third party liability insurance. Casco insurance consists of different types of cover, from which you can choose the coverage you want.
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| Improve your Casco insurance coverage | Full Casco | Semi Casco | Motor liability |
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Choose the test winner as your car insurance
Competitive pricing, comprehensive Full Casco and maximum bonuses in just five years helped If reach the top spot in the comparison of car insurance providers by Kuluttaja magazine.
Studies have shown that If also offers the best customer experience in the insurance sector. In the case of car insurance, for example, this means high-quality services, excellent partners and speedy processing of claims.
In case of a loss
Smooth claims services
Select what happened
Is the cheapest car insurance good enough?
A cheap car insurance that provides little coverage may be costly in the long run, if it does not cover common types of damage that even careful drivers cannot always avoid. That’s why you should also look at the insurance coverage, the amount of deductible and the insurance company’s services and customer satisfaction.
In general, third party liability insurance required by law is the cheapest possible car insurance you get at If and in Finland. However, we recommend adding at least Semi Casco insurance, as third party liability insurance alone does not cover the most common types of loss and damage. These include windscreen damage, towing and collisions covered by Full Casco.
Frequently asked questions about car insurance
What affects the price of car insurance?
The price of car insurance is influenced by the characteristics of your car, the estimated annual driven mileage, and your age and home address. The price is additionally affected by your loyalty benefits and your previous insurance and claims history, on the basis of which we calculate your bonus.
How do bonuses affect the price of car insurance?
If's motor liability insurance bonus is typically between 30% and 80%, and it goes up quickly: you get a full bonus after driving for five years without damages. At that time you will also earn bonus coverage, which means that your first accident will not reduce your bonus.
You will additionally always and immediately receive the full 80% bonus for full Casco collision protection and the same bonuses and benefits for your second car as well.
Is there a loyalty discount for concentrating insurance?
When you choose a partial or full Casco for your car insurance, you are entitled to a 10% loyalty benefit on all your insurance premiums. When you also purchase home insurance from If in addition to the Casco, your benefit is 15%.
If you would like an offer for several insurance policies at once in addition to car insurance, you can do so by leaving a call request. Our expert will call you to go over your entire insurance coverage.
What are the main differences between Full Casco and Semi Casco?
Full Casco compensates for the repair of your vehicle if you cause a collision, drive off the road or damage your car in a parking garage, for example. In addition, the parking cover included in Full Casco covers dents caused by unknown third parties without loss of your no-claims bonus.
If’s Semi Casco is one the most comprehensive in the market in terms of coverage. The insurance covers collisions with animals, for example, and is not excluded to collisions with elk. Towing insurance in case of technical problems is another important reason why you should choose Semi Casco instead of only third party liability insurance. Semi Casco can be supplemented with windscreen cover, which compensates for extremely common windscreen damage with a low deductible. You can also complement Full Casco insurance with our other optional covers.
The price difference between Semi Casco and only motor third party liability insurance is often small, and with the initial 80% bonus we offer, the small price difference between Full Casco and Semi Casco may come as a surprise.
How do I switch cars or insurance companies?
If you currently have a car insurance policy with another insurance company, we will take care of the switch of insurance companies for you. We will terminate your old policy and submit the information to the vehicle register free of charge.