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An insurance buyer asks whether the insurer is good in its customers' opinion, how large a permanent discount they can get and how quickly a vehicle damage claim is processed. 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 · 52.9
+ Wide range of insurance, from home insurance to car and travel cover
Basic metrics: 52.9, rank 7 · ▲ 6 places
Basic metrics · 76.2
+ Wide product range with eight types of insurance
Basic metrics: 76.2, rank 1 · ▼ 1 place
Basic metrics · 63.2
+ Wide range of insurance products for all customer groups
Basic metrics: 63.2, rank 5 · ▲ 2 places
Basic metrics · 68.5
+ Clear online service and an easy-to-use price calculator
Basic metrics: 68.5, rank 2 · ▼ 2 places
– Permanent discount: POP's insurance pages and customer service page do not state a percentage permanent discount or a benefit for consolidating policies.
Basic metrics · 63.7
+ Insurance terms and product brochures can be downloaded publicly in PDF format
Basic metrics: 63.7, rank 4 · ▼ 1 place
– Claim processing time: Processing times were not found on Fennia's customer service, claims or customer benefits pages, nor in the company's sitemap by searching for processing time.
Basic metrics · 59.2
+ A price calculator is available without mandatory personal contact details
Basic metrics: 59.2, rank 6 · no change
– Permanent discount: OP advertises as a benefit OP bonuses, which accrue in euros rather than as a percentage discount on the insurance premium, so the figure is not comparable.
Basic metrics · 65.1
+ All insurance terms and product fact sheets can be downloaded as PDF without logging in
Basic metrics: 65.1, rank 3 · ▼ 4 places
– 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. | 25 p |
| Permanent discount QUESTIONHow much can be taken off the insurance premium when consolidating insurance policies? | The highest permanent percentage discount stated on the company's own page. | 20% or more = 100 points, 0% = 0, in between directly proportional. | 12 p |
| Claim processing time QUESTIONHow quickly is a vehicle damage claim processed? | Average processing time for a vehicle claim as stated by the company, upper figure in working days. | 2 working days or fewer = 100 points, 15 working days or more = 0, in between directly proportional. | 13 p |
| Basic metrics | Digital quality, transparency, reachability and AI quality score | Basic metrics × 0.5 | 50 p |
We scored 7 Finnish non-life insurance companies on 19 metrics: technical quality, transparency, reachability and AI quality assessment. The key question: can you find out the price before you hand over your details?
Insurers' price calculators work in different ways: some show an estimate immediately, others only after you have handed over your personal identity number. By comparing several companies you also see who actually owns the company, since many familiar brands belong to the same group as their competitors.
Price estimate without contact details (30), insurance terms/product description publicly available (20), deductible clearly stated (15), claims process and times described (10), business ID (Y-tunnus) displayed (10), independent assessment source displayed (15)
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.
Correction 18 July 2026, Pohjola Vakuutus re-measured: the original measurement of 16 July was made with a search method that did not execute JavaScript, only a login shell of op.fi was visible, and Pohjola's price calculator, terms and excess details were incorrectly scored as "behind login". That was a measurement error on our side, not a finding about Pohjola. Pohjola's row was re-measured on 18 July 2026 with a search that renders JavaScript; the results of the other companies are still from the 16 July 2026 measurement. The original incorrect assessment is preserved in the version history. Clarification of 21 July 2026 during fact-checking: the price calculator criterion was refined to the level Partial, because the car insurance calculator asks for a personal identity number before showing the price, and the insurance type label of the excess finding was corrected.
Ownership: POP Vakuutus (Suomen Vahinkovakuutus Oy) is 70% owned by LähiTapiola, so two brands on the list are in the same group. Four companies (LähiTapiola, Fennia, Turva, Pohjantähti) are mutual, i.e. owned by their customers. We show the owner for each one.
Why are there only 7 companies on the list? We checked that every brand exists in the trade register on 16 July 2026. Missing from the list: Säästöpankki (non-life insurance sales ended 3 June 2025, transition complete 2 January 2026), Folksam (merged into Fennia in 2019), A-Vakuutus (the old name of Pohjola Vakuutus), Nordea (sells If's insurance products through its own channel, not its own non-life insurer) and Aktia (life insurance only). Alandia (marine/boat) and Ålands Försäkringar (Åland only) were excluded because they do not sell nationwide home/car/travel insurance.
We do not give insurance advice or compare insurance premiums. The comparison describes the measurable features of the companies' public websites; the actual insurance premium is always personal and depends on the insured item. Some of the links may be ad links; they do not affect the points.
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 →
Yes, indirectly. Terms, deductible and exclusions vary by insurer and affect what is compensated for a loss. Read the terms in advance, not only after the damage has already occurred.
Company forms are not directly comparable with one another. In a mutual company the customers own the company and there are no outside shareholders, but in practice price, terms and service matter more than the company form.
The insurance premium is often calculated on the basis of risk data retrieved from registers using the personal identity code. This does not mean that a contract has already been made; merely requesting a price estimate does not bind you to anything.
We measure the public website of every company with the same public formula: whether the price calculator, terms and reachability are visible without logging in. A ranking cannot be bought, and you can see the justification for every point on the company's profile.
The free pre-analysis shows every item where your company loses points and which rank fixing it is enough for. The paid analysis shows what the items are and how to fix them.
Can't find your company on the list even though it should be there? Get in touch and we will include it in the next measurement round.
See the free pre-analysis A ranking cannot be bought. The analysis shows how it is earned.