Car insurance

When you want to adjust your car insurance to match your needs and life situation, we are by your side.

  • Ask for your personal price from our customer service.
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  • Price by mileage

    If you drive less, we factor that into the pricing of the car insurance.

  • Convenient monthly invoicing

    At If you can pay your premium in up to 12 instalments without incurring extra cost.

  • Full Casco with 80% starting bonus

    Our generous starting bonus makes our collision cover easy on the wallet.


If Car Insurance accommodates your needs

Our car insurance consists of motor liability insurance, that is mandatory in Finland, and an optional Casco insurance that provides protection for your car. 

Casco is also known as Casualty and Collision insurance, and Comprehensive motor vehicle insurance. Choose the comprehensive Full Casco, or a more affordable Semi Casco, and also have a look at our flexible add-on coverage options.

Our smart pricing factors in your mileage

In our pricing we rely on skilful risk assessment, not on occasional discount campaigns. As a customer of If, you do not have to pay for the discounts of others.

Customers who drive less each year pay less for their car insurance policies than those driving more kilometres. The pricing difference is based on statistics that show those who drive less have also fewer accidents. In addition, the price is influenced by the features of your car and your age and home address.

Accident-free years of driving with If or with any other insurance company contribute towards your bonuses and they can lower the price considerably.

Full Casco with 80% starting bonus

The bonus for the motor liability insurance is typically 30–80%, depending on your insurance and accident history.

The bonus rises quickly: you will reach the maximum bonus after five accident-free years. At that time you will also earn bonus cover, which means your first accident will not reduce your bonus. 

Bonus for the collision cover of Full Casco is the maximum 80% right from the start. At If, you will have the same bonuses and benefits for your second car, too.

Choose the best coverage for your car

Full Casco Semi Casco Motor liability
Included Included Included
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Improve your Casco insurance coverage

Optional additional covers Full Casco Semi Casco Motor liability
Included Included Not included
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Will the cheapest motor vehicle insurance suffice?

A cheap car insurance that provides little coverage may be expensive in the long run, if it does not cover the commonest types of damage that even careful drivers cannot always avoid. We at If want to provide all our customers with professional service regardless of the coverage of the insurance. This is why If Apu is included in every car insurance policy.

The mandatory motor liability insurance is the cheapest car insurance you get at If. We recommend that you complement it with at least an affordable Semi Casco, as the motor liability insurance does not cover e.g. a broken windscreen, towing costs or damage caused when the vehicle is parked.

If Apu is on call and ready to advise 24/7

All of our car insurance policies include the free If Apu advice service free of charge, which you can contact 24/7. You can get in touch not only in case there is an accident, but also if your car will not start or a strange indicator light lights up on the dashboard. We will check your insurance coverage and instruct you on how to proceed.

Our towing and roadside assistance service can resolve even the most difficult situations at any hour. Our skilled towing partners will take your car to a reliable workshop and we will take care of the towing invoice and damage report on your behalf.

Up to 15% discount on policies through concentration

If you besides a Casco policy buy insurance for your home, you will earn 15% discount on all your policies.