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On the basic metrics alone, the score was 57.5 and the rank 5. The score is now 38.2 and rank 6 (▼ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.
LähiTapiolan venevakuutus jakautuu selkeästi Perus- ja Laaja-tasoon, jotka on esitetty vertailutaulukkona, ja omavastuu kerrotaan konkreettisesti (palo/varkaus/ilkivalta aina 100 euroa). Tarjouksen saa netistä ja tuotetiedot ovat julkisina pdf-tiedostoina. Myrskyraja, ikävähennykset ja talvisäilytyksen tarkat huolellisuusvaatimukset jäävät kuitenkin ehtoihin, ja Y-tunnus alatunnisteeseen. S-ryhmän Bonuksen kerryttäminen on erottava etu.
Buying motives checked 11.10.2026 and basic metrics measured 18.8.2026 from public sources. The same formula for everyone, read the full methodology.
| Customer satisfaction | 20 p × 47.0 % | 9.4 |
| No-claims bonus | 12 p × 0.0 % | 0.0 |
| Liability insurance compensation limit | 10 p × 0.0 % | 0.0 |
| Boat rental and lending | 8 p × 0.0 % | 0.0 |
| Basic metrics | 50 % × 57,5 | 28.8 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Customer satisfaction | EPSI 74.7 | epsi-finland.org checked 11.10.2026 | 9.4 / 20 |
| No-claims bonus | A no-claims bonus is not described on the boat insurance page or in its FAQ. The page only says that the premium does not rise because of a claim. | LähiTapiola, boat insurance · EPSI Rating 2025, insurance checked 11.10.2026 | 0.0 / 12 |
| Liability insurance compensation limit | The boat insurance page and its FAQ do not mention the liability insurance coverage limit. | LähiTapiola, boat insurance · EPSI Rating 2025, insurance checked 11.10.2026 | 0.0 / 10 |
| Boat rental and lending | The boat insurance page and its FAQ do not mention renting or lending a boat. | LähiTapiola, boat insurance · EPSI Rating 2025, insurance checked 11.10.2026 | 0.0 / 8 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 58,4 | 17.5 |
| Transparency | 30 % × 60,0 | 18.0 |
| Reachability | 20 % × 30,0 | 6.0 |
| AI quality score | 20 % × 79,7 | 15.9 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 8/100 | Technical measurement | 3.2 / 40 |
| Accessibility | 86/100 | Technical measurement | 25.8 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 96/100 | Technical measurement | 14.4 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Price calculator or quote online without a phone call OBSERVATIONSivun otsikko 'Venevakuutus | Tarjous netistä'; tarjouksen saa verkossa ilman puhelinsoittoa | Yes | Website + AI extraction | 20.0 / 20 |
| Contents of comprehensive hull cover (storm, grounding, theft, mast) itemised OBSERVATION'Perus Venevakuutuksemme kattaa veneilyn perustarpeet, kuten palo-, varkaus- ja ilkivaltavahingot. Laaja Venevakuutuksemme tarjoaa kattavamman turvan myös törmäysten, karilleajojen ja pohjakosketusten varalle niin vesillä, laiturissa kuin talvisäilytyksessäkin'; 'Venevakuutus Laaja venevakuutus Perus venevakuutus' -taulukko | Yes | Website + AI extraction | 20.0 / 20 |
| Storm or usage limit and terms limiting compensation stated OBSERVATION'myrskyn yllättäessä' mainitaan, mutta tuulen nopeus- tai kiinnitysrajaa ei kerrota | No | Website + AI extraction | 0.0 / 15 |
| Age deductions and determination of fair value explained OBSERVATIONdepreciation for age or determination of current value is not mentioned on the product page | No | Website + AI extraction | 0.0 / 15 |
| Deductible level or choice stated OBSERVATION'Palo-, varkaus- ja ilkivaltavahingoissa omavastuu on aina vain 100 euroa'; 'vahingottomuudesta on hyvitetty jopa 17 % vakuutuksista' | Yes | Website + AI extraction | 10.0 / 10 |
| Winter storage or mooring terms stated OBSERVATION'talvisäilytyksessäkin' turva mainitaan taulukossa, mutta säilytyksen huolellisuusvaatimuksia ei eritellä | Partly | Website + AI extraction | 5.0 / 10 |
| Insurer or Business ID shown OBSERVATIONLähiTapiola alatunnisteessa, Y-tunnusta 0211034-2 ei tuotesivulla | Partly | Website + AI extraction | 5.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | No | Website + AI extraction | 0.0 / 30 |
| Email shown | No | Website + AI extraction | 0.0 / 15 |
| Chat support OBSERVATION'Asiointikielen vaihtaminen sulkee käynnissä olevan chat-keskustelun' (chat käytössä) | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown | No | Website + AI extraction | 0.0 / 15 |
| FAQ section OBSERVATION'FAQ about boat insurance' | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app | No | Website + AI extraction | 0.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 84/100 | AI analysis | 28.6 / 34 |
| Findability of pricing | 70/100 | AI analysis | 23.1 / 33 |
| Content coverage | 85/100 | AI analysis | 28.1 / 33 |
Are you a LähiTapiola service customer? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +50.3 points: 38.2 → 88.5, rank 6 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
