OP Financial Group review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
OP Financial Group is a Finnish insurer that writes policies as Pohjola Vakuutus Oy, and it suits people who want motor, home, health and income protection from a single carrier. It has traded since 1902 and runs claims through its own assistance service.
Key facts
- Best for
- Motor, home, health and income protection held by a single Finnish insurer.
- Insurance types
- Auto, Home, Life, Health, Travel, Critical-illness, Income-protection (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Claims channels
- Pohjola Vahinkoapu claims assistance service, Partner network (Source, checked September 26, 2026)
- Legal entity
- Pohjola Vakuutus Oy (Source, checked September 26, 2026)
- Headquarters
- Finland (Source, checked September 26, 2026)
- Founded
- 1902 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Official website
- op.fi
Business insurance
- Provider type
- Insurer (Source, checked September 26, 2026)
- Legal entity
- Pohjola Vakuutus Oy (Source, checked September 26, 2026)
- Headquarters
- Finland (Source, checked September 26, 2026)
- Founded
- 1902 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
Pros and cons
Pros
- The personal range on auto, home and life lets a household hold motor, home, life, health, travel, critical illness and income protection with a single carrier.
- Claims run through the Pohjola Vahinkoapu claims assistance service and a partner network, per Pohjola Vahinkoapu claims assistance service and partner network, so the insurer's own service arranges the work.
- Cover is written by the insurer itself, insurer, with the contract issued by Pohjola Vakuutus Oy.
- An established carrier, dating back to 1902, with a phone line and a help centre listed on phone and help centre.
Cons
- Support runs on phone and help centre only, so there is no listed chat or email route for a written query.
- The personal list stops at auto, home and life, leaving no pet, motorcycle or gadget cover in the range.
- Policies are written for the home market in Finland, so pricing and terms apply to Finland rather than another market.
Who it suits
- Drivers and house holders who want motor, home and health cover kept in a single place, as auto, home and life allows.
- People who prefer dealing with the company that carries the risk, since insurer sits behind the policies.
- Anyone who would rather pick up the phone than fill in forms, given phone and help centre.
Who should look elsewhere
- Pet owners and motorcycle riders, who find both in auto, home and renters at Good Sam Insurance Agency, a wider set than auto, home and life.
- Landlords and renters after home emergency help, since Hiscox UK lists home, renters and landlord, which reaches beyond auto, home and life.
- Gadget and device owners, since Euroasia Insurance carries gadget cover in auto, home and travel.
Who runs it
OP Financial Group is a Finnish insurer, trading through Pohjola Vakuutus Oy, with its head office in Finland. The group dates back to 1902, which puts it among the older carriers on the market. Customer contact runs on phone and help centre, so help comes by phone or through a self-service help centre.
How OP Financial Group compares
9.4 vs 8.6
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.8
9.4 vs 8.7
9.4 vs 9.0
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 9.3- 9.4 vs 9.3
9.4 vs 9.3Max Life Insurance
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2- 9.4 vs 9.1
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.8
9.4 vs 8.8
9.4 vs 8.6
9.4 vs 8.6- 9.4 vs 8.4
- 9.4 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
Where OP Financial Group is available
- Available
- Finland
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who actually underwrites the policies?+
Policies are issued by Pohjola Vakuutus Oy, the legal entity named on Pohjola Vakuutus Oy, under the OP Financial Group brand. Because insurer, the company carries the risk itself, so your contract and your claim sit with the same corporate body rather than a separate underwriter.
What kinds of insurance does it sell?+
The listed range is auto, home and life. Holding that many lines in a single place suits households that would rather keep every personal policy with the same provider. Pet, motorcycle and gadget risks fall outside auto, home and life, so those need another carrier.
What will it cost me?+
The figure you pay depends on the line you buy and is set in a quote rather than on a rate card. For scale, the median starting premium across this site is €8.37, and the upper quartile of listings sits at €29.72. Ask for pricing on the auto, home and life you actually need.
Can I pay monthly?+
Monthly premiums are the norm on this site, with 88.9% of listings offering them, and the monthly model is the only pricing model, at 100%. For OP Financial Group the instalment schedule and any fee for it come with the quote on auto, home and life, so confirm both before you sign.
How do I make a claim?+
Claims run through the Pohjola Vahinkoapu claims assistance service and a partner network, per Pohjola Vahinkoapu claims assistance service and partner network. The assistance service handles the opening contact and the partner network carries out repair or replacement work. Support on phone and help centre is the route into both.
How do I get in touch?+
You reach the company by phone or through the help centre, which is the full set of channels listed on phone and help centre. There is no listed chat or email route, so a written question goes to the help centre content. For a claim already running, the phone line is the quicker entry point.
Who does this insurer suit?+
It suits people in the Finnish market who want motor, home, health and income protection kept in a single place, since auto, home and life covers those lines and insurer means the insurer carries the risk itself. It also suits anyone who would rather pick up the phone, given phone and help centre.
Where is it based?+
The group sits in Finland, and the contracts are with Pohjola Vakuutus Oy under Pohjola Vakuutus Oy, so both the underwriting and the claims service are Finnish. Pricing and terms follow that market. If you are covered elsewhere, read the terms for your own country before you buy.
Sources
- en.wikipedia.org/wiki/OP_Financial_Group checked September 26, 2026
Backs: Founded
- op.fi checked September 26, 2026
Backs: Headquarters, Support channels
“© OP Pohjola BIC: OKOYFIHH”
- op.fi/henkiloasiakkaat/vakuutukset checked September 26, 2026
Backs: Claims channels, Provider type, Insurance types, Legal entity
“Vakuutusasiakaanamme sinua palvelevat myös Pohjola Vahinkoapu ja kattava kumppaniverkostomme. Pohjola Vahinkoapu -palvelun tarjoaa vakuutusyhtiö Pohjola Vakuutus Oy.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.
Related by the facts
OP Financial Group
Motor, home, health and income protection held by a single Finnish insurer.