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Motor Liability Insurance in Finland

Motor liability insurance is the statutory insurance for motor vehicles used in traffic in Finland. It covers liability for certain personal injuries and damage caused to others in traffic accidents; it does not cover damage to your own vehicle. Check the requirements and policy terms for your vehicle with an insurer.

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Motor liability and comprehensive insurance are different

Motor liability insurance is required by law in situations where a motor vehicle is used in traffic. Under the law and policy terms, it covers liability for personal injuries and property damage caused to others in traffic accidents. It does not cover damage to the insured vehicle. Optional comprehensive insurance may cover damage to your own vehicle, depending on the policy.

Read the Finnish Motor Insurers’ Centre’s overview of motor liability insurance →Read what motor liability insurance covers →

What should you check when comparing motor liability insurance?

  • Your personal price

    Request a quote based on the vehicle and policyholder details. Fiksusti does not receive insurer prices or identify the cheapest provider.

  • Bonus and pricing criteria

    Insurers may use different bonus practices and pricing criteria. Confirm your bonus and its effect with the insurer quoting for you.

  • Insurance cover

    Review the policy documents to understand which personal injuries and property damage are covered and what limitations apply.

  • Your own vehicle

    Motor liability insurance does not cover damage to your own vehicle. Consider separately whether optional comprehensive cover suits your needs.

  • Payments and terms

    Compare the total quoted price, payment schedule, terms and information about when cover starts.

There is no single price for motor liability insurance

Your premium is calculated using the insurer’s pricing criteria and information about the vehicle and policyholder. Fiksusti’s current data does not contain insurer quotes, prices or bonuses, so it cannot compare or name the cheapest motor liability policy.

Motor liability or comprehensive insurance?

Motor liability insurance concerns damage caused to others in traffic, as defined by law. Comprehensive insurance is optional cover for your own vehicle. A policy name alone does not describe its cover, so review covered events, deductibles and exclusions in the insurer’s quote and terms.

How does a bonus affect the price?

Insurers set their own pricing criteria and bonus practices. Fiksusti’s car insurance data does not show bonus amounts or their effect. Ask the insurer what the bonus in your quote means and how it may change.

Insurers listed in the current car insurance data

Names and insurer links come from Fiksusti’s current car insurance data. The tool has no separate motor liability product category or insurer-specific motor liability premiums. This list is therefore not a quote or availability comparison for motor liability insurance.

Fiksusti may receive compensation through a partner link. This does not affect insurer order. Links come from the existing car insurance data and may lead to a general car insurance page.

How to compare motor liability insurance

  1. 1Request quotes using the same vehicle and policyholder details.
  2. 2Check the motor liability premium and bonus in each quote.
  3. 3Read the compensation scope and other terms in the insurer’s documents.
  4. 4Separately consider whether comprehensive cover suits your vehicle.
  5. 5Compare total price and terms before deciding.

Motor liability insurance: frequently asked questions

What is motor liability insurance?

It is statutory insurance for motor vehicles. Its scope is determined by Finnish motor liability legislation and the policy terms.

Is motor liability insurance compulsory in Finland?

Finnish law requires insurance for motor vehicles used in traffic, subject to statutory exceptions. Check your vehicle’s circumstances with the Finnish Motor Insurers’ Centre or an insurer.

What does motor liability insurance cover?

In general, it covers certain personal injuries and damage caused to others in traffic accidents under the law. A specific claim is assessed according to the circumstances and legislation.

Does it cover damage to my own car?

Generally, no. Optional comprehensive insurance may cover damage to your own vehicle; check the policy terms.

How much does motor liability insurance cost?

Fiksusti’s current data does not contain personal insurance prices. Request a quote from an insurer using your vehicle and policy details.

How does a bonus affect the premium?

The bonus and its effect depend on the insurer’s practices and your insurance details. Confirm them in your quote.

Which motor liability insurance is cheapest?

There is no reliable way to name the cheapest without comparable personal quotes. Request quotes using the same details and compare the terms too.

Can I compare motor liability quotes in Fiksusti?

Fiksusti lists insurers linked to car insurance, but does not request or compare motor liability quotes or prices. You can continue to an insurer’s website to check a quote.

Where can I check what is covered?

Read the Finnish Motor Insurers’ Centre’s guidance and the insurer’s quote and policy terms.

Learn more about car insurance

Car insurance may include motor liability cover and separately selected comprehensive insurance. Learn how they differ and explore car insurance options.

Car insurance guide →Comprehensive car insurance guide →Insurance comparison →Open the insurance comparison →