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A motorhome owner asks whether the insurance company is good in its customers' opinion, how large the motor insurance bonus is at best and whether the insurance can be bought directly online. These decide 50 points out of a hundred.
Score shows how the company does on our comparison criteria, on a 0–100 scale. Rankings cannot be bought.
Basic metrics · 72.9
+ Comprehensive cover levels S, L and XL are explained cover by cover, including excesses
Basic metrics: 72.9, rank 2 · ▲ 1 place
Basic metrics · 72.0
+ The coverage table is clear and shows the differences between the comprehensive cover levels row by row
Basic metrics: 72.0, rank 3 · ▲ 1 place
Basic metrics · 67.1
+ The table of comprehensive cover levels Laaja, Suppea and Liikenne clearly shows what is included in each
Basic metrics: 67.1, rank 4 · ▲ 1 place
Basic metrics · 67.0
+ Limit your personal property directly: clothes, food and cutlery are not covered by the insurance
Basic metrics: 67.0, rank 5 · ▲ 1 place
– Motor insurance bonus: Turva's motorhome page states that the bonus is based on claims history, but the maximum percentage is not mentioned.
Basic metrics · 79.3
+ States equipment compensation limits in euros (6,000 e full comprehensive, 600 e partial comprehensive)
Basic metrics: 79.3, rank 1 · ▼ 4 places
– Motor insurance bonus: If's motorhome page states a starting bonus of 80% for comprehensive cover, but the maximum bonus for motor liability insurance is not given as a figure.
Basic metrics · 66.6
+ Clearly states which movable property is covered by comprehensive car insurance and which by home insurance
Basic metrics: 66.6, rank 6 · no change
– Customer satisfaction: Pohjantähti is not included in the summary of the EPSI Rating 2025 insurance study.
Weights are fixed. All companies are measured on the same scale. Read the full methodology.
| Buying motive | What is measured | Scale | Weight |
|---|---|---|---|
| Customer satisfaction QUESTIONDoes the insurance company handle matters well, including when damage occurs? | EPSI Rating 2025, insurance, private customers. | 70 or below = 0 points, 80 or above = 100, in between directly proportional. | 26 p |
| Motor insurance bonus QUESTIONHow large can the bonus on motor liability insurance be at best? | Maximum motor insurance bonus stated by the company, as a percentage. | 85% or more = 100 points, 60% or less = 0, directly proportional in between. | 14 p |
| Taking out insurance QUESTIONCan I get motorhome insurance online straight away, or do I have to request a quote? | How can motorhome insurance be bought on the company's website. | Online immediately = 100 points, quote request = 50. | 10 p |
| Basic metrics | Digital quality, transparency, reachability and AI quality score | Basic metrics × 0.5 | 50 p |
A motorhome is both a vehicle and a travelling home, and the insurance limits each precisely. Kasko covers the vehicle and permanently installed equipment, but clothes, foodstuffs and belongings carried on the trip are often left outside it. We scored 6 insurers on 21 metrics. The most important question: do you get the price, the kasko contents and the equipment limits before handing over your personal identity number?
A motorhome is insured like a passenger car: compulsory motor liability insurance and voluntary comprehensive (kasko) insurance. The differences arise from what the kasko says about equipment and interiors, how the time outside the season of use is handled, and where the cover is valid.
The price of motorhome insurance can be obtained from an online calculator directly on the product page without a request for quote (25), the product page states what the insurance price is based on (kilometres driven, vehicle details, bonus, road use) (15), the comprehensive cover levels or coverages are itemised on the page so that you can see what is included in which (20), the page states whether the motorhome's equipment, fixed interior and movable property are covered (10), deregistration from road use or a seasonal break and its effect on the premium are explained on the product page (10), the cover's territorial scope abroad and towing or roadside assistance are stated on the product page (10), the insurance terms or product fact sheet can be downloaded from the product page (5), the company's Business ID is shown on the product page or in the site footer (5)
Transparency is 30% of the basic metrics, i.e. 15% of the total points · these metrics make up its 100 points · the full formula and the other pillars
How to read the comparison correctly: Half of the points come from buyer's questions, i.e. things the buyer finds out before deciding. The other half measures how openly the company publishes its prices, terms and contact details. Clear differences in points indicate a genuine difference: one tells you the price immediately, another only after logging in. Close scores should not be read as a ranking order, because every measurement has a margin of variation. The measurement accuracy and the full calculation formula are open in the methodology.
Customer satisfaction is included in the points. It is one of the buyer's questions in this comparison. We also collect customer feedback through our own surveys, and their results will be added to the assessment later.
OP Vakuutus is not included. OP sells motorhome insurance, but op.fi provides the product content behind a cookie and login wall, which we do not bypass. The same approach has been taken in our other insurance comparisons. Alandia was left out because it specialises in boats and does not sell motorhome insurance.
Personal belongings are the biggest difference in the comparison. Turva states directly that clothes, bedding, cutlery and foodstuffs are not covered by motorhome insurance. Pohjantähti directs loose belongings taken on the trip to home insurance or travel baggage insurance. If states the compensation limits for retrofitted equipment in euros: up to €6,000 in full kasko and €600 in partial kasko.
Seasonal suspension is explained by only some of the companies. If describes the effect of deregistration from traffic use on billing and states that the fire, theft and vandalism cover remains valid during the period of inactivity, while the collision cover does not. On the other insurers' product pages the matter is not explained or is behind a link.
The price is not on anyone's page in euros. No insurer publishes an example price for a motorhome; instead the price is calculated with a calculator based on the vehicle, kilometres driven and bonus. LähiTapiola and Turva ask for a personal identity number in the calculator, and Pohjantähti offers a price through a quote request.
Ownership: LähiTapiola, Turva, Fennia and Pohjantähti are mutual insurance companies, i.e. owned by their customers. If belongs to the Sampo group and POP Vakuutus is owned by the POP Banks. Some of the links may be advertising links; they do not affect the scores.
Every company is measured with the same public formula: half of the points come from buyer's questions and half from basic metrics, which have four pillars: technical quality, transparency, reachability and AI quality score. Ranking cannot be bought, and you can see the origin of each point on the company's profile. Read the full methodology →
The law requires only motor liability insurance. Damage to your own motorhome is covered only by comprehensive (kasko) insurance, so it is worth taking out for a newer vehicle.
No. Turva's terms state directly that clothes, bedding, cutlery and foodstuffs are not covered by motorhome insurance. Loose belongings are usually insured with home insurance.
Motor liability insurance is valid in EEA countries and green card countries. The territorial scope of comprehensive (kasko) insurance varies by insurer, so check the terms before travelling.
When you deregister a car from traffic use, the motor liability insurance ends. According to If, the fire, theft and vandalism cover of comprehensive (kasko) insurance remains valid during the period of inactivity, but the collision cover does not.
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