POP Vakuutus review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

POP Vakuutus suits people in FI who want personal lines under one roof, from auto, home and motorcycle to travel and motorbike cover. It is an insurer, so the contract sits with the insurer, and the accident excess starts at €0.

Key facts

Best for
Households in FI bundling personal lines with a €0 excess and no online excess to pay.
Insurance types
Auto, Home, Motorcycle, Travel (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Excess from
€0 (Source, checked September 26, 2026)
Cover limit
Travel medical costs: no monetary upper limit (Source, checked September 26, 2026)
Claims channels
Online claim reporting in Oma Palvelu (24/7), Phone claims service 010 3910 394, Chat (Source, checked September 26, 2026)
Age range
0-79 (Source, checked September 26, 2026)
Legal entity
Suomen Vahinkovakuutus Oy (Source, checked September 26, 2026)
Headquarters
Finland (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Official website
popvakuutus.fi

Pros and cons

Pros

  • Accident insurance excess starts at €0, so small claims keep more of the payout
  • Four personal lines in one place: auto, home and motorcycle
  • Claims run around the clock through online claim reporting in Oma Palvelu (24/7), phone claims service 010 3910 394 and chat
  • An insurer rather than a broker, so the contract runs with Suomen Vahinkovakuutus Oy itself

Cons

  • Support runs on phone, chat and help centre only, with no branch or email channel listed
  • Accident cover is open to ages 0-79, which caps the customer base
  • Travel medical costs sit under Travel medical costs: no monetary upper limit, while the other personal lines carry no comparable limit fact
POP Vakuutus

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Scored 9.3 / 10 by AssureCue.

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Who it suits

  • Drivers and motorcyclists in FI who want auto, home and motorcycle under one insurer and can claim through online claim reporting in Oma Palvelu (24/7), phone claims service 010 3910 394 and chat day or night.
  • Families with a broad age spread, since accident cover accepts ages 0-79 and the excess starts at €0.
  • Travellers who value uncapped medical cover, listed as Travel medical costs: no monetary upper limit on the travel policy.

Who should look elsewhere

  • Hiscox UK, for buyers wanting landlord, renters and home emergency lines, which sit outside auto, home and motorcycle.
  • Good Sam Insurance Agency, for households after life, health or pet cover, none of which appear in auto, home and motorcycle.
  • Euroasia Insurance, for gadget buyers, since auto, home and motorcycle carries no gadget line.

How POP Vakuutus compares

Where POP Vakuutus is available

Available
Finland
Licence in Finland
Finnish Financial Supervisory Authority (Finanssivalvonta), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kind of company is POP Vakuutus?+

POP Vakuutus is an insurer, not a broker or a comparison site. The contract is written with Suomen Vahinkovakuutus Oy, which has traded since 2012 and is based in Finland.

Which lines of insurance does it sell?+

The range covers auto, home and motorcycle. That means a driver, a homeowner, a motorcyclist and a traveller can each find a policy with the same provider.

Is there an excess to pay on a claim?+

On accident insurance the excess starts at €0, the lowest point on the scale, so a small claim can pass through with nothing deducted.

How do I make a claim?+

Claims run through online claim reporting in Oma Palvelu (24/7), phone claims service 010 3910 394 and chat. Online reporting in Oma Palvelu is open around the clock, and a phone claims line and chat are listed alongside it.

How much can I claim for medical costs while travelling?+

On the travel policy, medical costs are listed as Travel medical costs: no monetary upper limit. There is no ceiling in the policy wording for that part of the cover.

Who can buy the accident insurance?+

The accident policy is written for ages 0-79, so a child through an older adult can be covered. Outside that span another provider would be needed.

How can I reach customer service?+

Service runs on phone, chat and help centre. Phone and chat handle quick questions, while a help centre covers policy detail in writing.

Is the insurer properly regulated?+

POP Vakuutus is licensed and supervised in FI by the Finnish Financial Supervisory Authority (Finanssivalvonta), the same authority that watches over every insurer in the market.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

POP Vakuutus

POP Vakuutus

Households in FI bundling personal lines with a €0 excess and no online excess to pay.

9.3/10See alternatives

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