What is comprehensive car insurance?
It is optional vehicle insurance that may cover damage to your own car according to the selected policy terms. Cover varies by insurer and product.
Insurance guides
Comprehensive Car Insurance in Finland
Comprehensive cover (kasko) is optional car insurance whose scope depends on the insurer and policy terms. Compare a personal quote, deductible and the cover that matters to you. Fiksusti’s current data does not include insurers’ comprehensive policy quotes or cover details.
Choose car insurance in Fiksusti’s comparison →Select car insurance in the comparison tool. Fiksusti does not preselect a policy or request a quote.
Comprehensive and motor liability insurance: what is the difference?
Motor liability insurance is statutory and its scope is set by law. Comprehensive insurance is optional extra vehicle cover that may, depending on the policy terms, cover damage to your own car. It does not replace motor liability insurance. The Finnish Motor Insurers’ Centre explains comprehensive insurance in general terms; check the actual cover with the insurer.
Read the Finnish Motor Insurers’ Centre’s overview of comprehensive insurance →What to check when comparing comprehensive cover
These are things to check in an insurer’s quote and policy documents; Fiksusti does not currently show them as product-level comparison data.
Your personal price
Ask the insurer for a quote based on your vehicle and circumstances. Fiksusti does not calculate your personal comprehensive premium.
Scope of cover
Find out which losses the selected policy covers and which are excluded. A product name alone does not describe the cover.
Deductible
Check the deductible for each type of cover in the quote and policy terms. Fiksusti does not have insurer-specific deductible data.
Cover that matters to you
Confirm whether the policy covers the situations you care about and under what conditions.
Exclusions and terms
Review exclusions, compensation limits and your responsibilities before choosing.
Bonus and finance requirements
Ask the insurer about bonus practices. If the car is financed or leased, check your agreement for insurance requirements.
What can comprehensive insurance cover?
Comprehensive policies can provide different levels of cover. Fiksusti’s data does not include insurer- or product-specific cover lists, so we cannot confirm whether any particular policy includes glass, collision, theft, vandalism, fire, parking or roadside assistance cover. Check the quote and policy terms for each item.
Partial or broader comprehensive cover?
Insurers may use different product names and define cover levels in their own policy terms. Fiksusti’s data does not classify providers’ products as partial, full or broad comprehensive insurance. Compare the policy documents, not just the product label.
How much does comprehensive car insurance cost?
Fiksusti does not receive personal comprehensive insurance quotes, and its current data does not include monthly or annual premiums. Ask an insurer for a quote using your vehicle and policy details. We do not publish an average or price range without comparable source data.
What can affect the price?
A personal quote may depend on the vehicle, level of cover, deductible, the customer’s circumstances and the insurer’s own pricing criteria. Insurers may use different criteria. Fiksusti does not calculate a premium from these details.
What is a comprehensive insurance deductible?
It is the part of a loss that you pay yourself under the policy terms. The amount and how it applies may depend on the cover and policy. Fiksusti’s form asks about the user’s current deductible; it is not an insurer quote or data about available products.
How does a comprehensive insurance bonus work?
Fiksusti’s current car insurance data asks users for their stated motor liability bonus, but does not contain insurer-specific comprehensive bonus data. We do not calculate or compare comprehensive bonuses or percentages. Ask the insurer about its bonus rules and their effect on your quote.
Which comprehensive policy is the cheapest?
We cannot name the cheapest insurer without comparable personal quotes. Prices may vary by vehicle, policyholder, selected cover and insurer pricing. Request quotes using the same details and compare the terms too.
How should you choose comprehensive cover?
The right cover depends on your car, circumstances and the financial risk you are willing to bear yourself. Compare total price, scope, deductible, exclusions and policy terms. The cheapest option is not automatically the best fit, and Fiksusti does not name a universal winner.
Is comprehensive cover worth it for an older car?
You can weigh the car’s value, the quoted premium and cover against your ability to pay for damage yourself. There is no universal age cutoff or recommendation for every driver. Request a current quote and read the terms.
Comprehensive cover for a financed or leased car
A finance or lease agreement may include requirements for vehicle insurance. Check your own agreement and ask the finance provider if needed. Fiksusti does not infer a required cover level.
Providers whose car insurance descriptions mention comprehensive cover
This list is derived from current car insurance provider descriptions that mention comprehensive cover. The data has no policy-specific cover details, quotes or availability confirmation. Links open the existing car insurance pages, where you can check options with the insurer.
If
Check comprehensive cover options, your personal quote and policy terms with the insurer.
Explore the insurer’s car insurance →LähiTapiola
Check comprehensive cover options, your personal quote and policy terms with the insurer.
Explore the insurer’s car insurance →Pohjola Vakuutus
Check comprehensive cover options, your personal quote and policy terms with the insurer.
Explore the insurer’s car insurance →POP Vakuutus
Check comprehensive cover options, your personal quote and policy terms with the insurer.
Explore the insurer’s car insurance →Turva
Check comprehensive cover options, your personal quote and policy terms with the insurer.
Explore the insurer’s car insurance →
Fiksusti may receive compensation through a partner link. This does not affect provider order or claims about cover. The insurer confirms product availability, prices and terms.
Comprehensive car insurance: frequently asked questions
Is comprehensive car insurance compulsory?
It is generally optional. A finance or lease agreement may nevertheless set insurance requirements, so check your own agreement.
What is the difference between comprehensive and motor liability insurance?
Motor liability insurance is statutory and its scope is defined by law. Comprehensive insurance is optional cover for your own vehicle under the policy terms. Read more about motor liability insurance. Motor liability insurance guide.
What does comprehensive insurance cover?
Covered losses depend on the insurer’s policy and terms. Fiksusti’s data does not include product-specific cover lists.
What does it not cover?
Exclusions and limits are defined in the policy terms. Check the documents for your chosen policy; Fiksusti does not compare these between insurers.
What is the difference between partial and broader comprehensive cover?
Names and cover levels vary by insurer. Fiksusti does not classify current products as partial or full comprehensive cover; compare the policy terms.
How much does comprehensive car insurance cost?
Fiksusti does not receive personal comprehensive quotes. Ask an insurer using your vehicle and policy details.
Which policy is the cheapest?
We cannot identify the cheapest without comparable personal quotes. Prices depend on the customer, vehicle, selected cover and insurer pricing.
How should I choose a policy?
Compare the price, scope, deductible, exclusions and terms for your situation. Fiksusti does not name one policy as best for everyone.
What does a deductible mean?
It is the part of a covered loss you pay yourself. Check the amount and how it applies in the policy terms.
How does a comprehensive insurance bonus work?
Fiksusti does not have insurer-specific comprehensive bonus data. Ask the insurer about its rules and how they affect your quote.
Is comprehensive cover worth it for an older car?
Consider the car’s value, premium and cover, and your ability to pay for damage yourself. There is no universal age cutoff.
Does a financed car need comprehensive cover?
A finance agreement may include insurance requirements. Check your agreement with the finance provider; Fiksusti does not have that information.
Can Fiksusti show my personal comprehensive premium?
No. Fiksusti lists providers linked to car insurance but does not request quotes or calculate a comprehensive premium.
Which insurers can I compare in Fiksusti?
The current provider descriptions that mention comprehensive cover come from Fiksusti’s car insurance data. They are not a quote comparison for specific policies; check prices and terms with each insurer.
Do affiliate partnerships affect the comparison?
A partner link may earn Fiksusti a commission, but it does not affect provider order or claims about cover.
Read more about car and motor liability insurance
Car insurance can include statutory motor liability insurance and separately selected optional comprehensive cover. Fiksusti’s tool lets you choose car insurance and continue to the listed insurers.