POP Vakuutus review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
POP Vakuutus is an insurer, per insurer, and the cost score on this page reads 7.8. It suits households that want one provider behind every policy, from motor and property to trips abroad, and a claim line that runs day and night.
Key facts
- Best for
- One Finnish insurer for auto, home, motorcycle and travel cover, with claims handled online, by phone or in chat.
- Insurance types
- Auto, Home, Motorcycle, Travel↗
- Provider type
- Insurer↗
- Excess from
- €0↗
- Cover limit
- Travel medical costs: no monetary upper limit↗
- Claims channels
- Online claim reporting in Oma Palvelu (24/7), Phone claims service 010 3910 394, Chat↗
- Age range
- 0-79↗
- Legal entity
- Suomen Vahinkovakuutus Oy↗
- Headquarters
- Finland↗
- Founded
- 2012↗
- Support channels
- Phone, Chat, Help-centre↗
- Official website
- popvakuutus.fi
Facts checked September 26, 2026, 6 sources
Pros and cons
Pros
- One insurer covers auto, home and motorcycle insurance, so motor, property, motorcycle and trips sit under a single provider.
- No monetary ceiling on travel medical costs: Travel medical costs: no monetary upper limit.
- Claims can start online, by phone or in chat, through online claim reporting in Oma Palvelu (24/7), phone claims service 010 3910 394 and chat.
Cons
- Cover stops at the lines in auto, home and motorcycle, with no life or health policy to add.
- Support runs on phone, chat and help centre only, so written questions go through chat or the help centre rather than email.
- The age band is 0-79, which leaves older applicants outside the accident policy.
Who it suits
- Finnish households that want auto, home, motorcycle and travel cover from one insurer rather than a broker.
- Travellers who value uncapped medical costs, as Travel medical costs: no monetary upper limit shows for the travel line.
- Motorcycle owners alongside car drivers, since both sit in auto, home and motorcycle.
Who should look elsewhere
- Life insurance buyers, where Linxea covers life rather than a motor and property range.
- Shoppers after health or gadget cover, since Oney Préstamos ES lists health, life and gadget and Euroasia Insurance lists auto, home and travel.
Safety of your money
POP Vakuutus is an insurer, per insurer, so cover sits with the company that pays the claim rather than with a broker or a comparison site. In Finland that insurer is supervised by the Finnish Financial Supervisory Authority, Finanssivalvonta. The money on the table is the premium paid and the claim settled, not a balance held in an account.
Who runs it
The insurer behind the brand is Suomen Vahinkovakuutus Oy, headquartered in Finland and established in 2012. Customer service runs on phone, chat and help centre, so questions can go by phone, in chat or through the help centre. Policies are issued by that company, so the legal name on your documents is the one to quote when you call.
How POP Vakuutus compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 8.7Covers health, life and gadget, adding health and gadget lines to the motor and property options.
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.7Covers life insurance, the life line POP Vakuptus does not sell.
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.0
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.6
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.3
9.2 vs 8.2- 9.2 vs 8.0
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 insurance does POP Vakuutus sell?+
The line-up is short and personal: auto, home and motorcycle. Everything is written as personal insurance, so a household can hold motor, property, motorcycle and trip cover with the same company rather than shopping each line separately. There is no life or health product in the list.
Is POP Vakuutus an insurer or a broker?+
insurer, so the brand underwrites the risk itself rather than reselling another company's policies. The legal name on the documents is Suomen Vahinkovakuutus Oy. Terms, deductibles and claim decisions therefore sit with one company, which keeps the contract short but leaves no second insurer to fall back on.
How much do the policies cost?+
Premium is set per policy, from the vehicle or property and the risk behind it, so the figure that matters comes from a quote. For scale, the middle starting premium across the insurance pages here is €8.31, with car policies at €8.50 and home policies at €8.54.
What is the excess on a claim?+
The excess starts at €0, so a small accident claim costs nothing to make. That figure applies to the accident cover, and the other lines carry their own terms, so the policy document is the place to confirm the amount before relying on it.
How do I report a claim?+
Claims run through online claim reporting in Oma Palvelu (24/7), phone claims service 010 3910 394 and chat. Online reporting inside Oma Palvelu works around the clock, with a phone claims line and chat alongside it. Oma Palvelu is also where the rest of the policy sits, so most of the admin stays in one place.
Is travel medical cover capped?+
Not on the medical side: Travel medical costs: no monetary upper limit. That matters most on long trips and hospital stays abroad, where a single bill can run well past a typical limit. Other parts of a travel policy can carry their own caps, so the terms are worth reading before you buy.
Who supervises POP Vakuutus?+
POP Vakuptus is supervised in FI by the Finnish Financial Supervisory Authority, Finanssivalvonta. The counterparty on a claim is Suomen Vahinkovakuutus Oy, so the insurer itself pays out under the policy terms. Supervision covers the insurer's operations, while each policy sets what a claim is worth.
Is there an age limit on the policies?+
Yes for the personal accident cover, where the age band is 0-79. The band sets who can be insured and closes at the top of the range, so applicants beyond it fall outside that policy. Motor and travel cover sit under the same insurer but follow their own eligibility rules.
Sources
- popvakuutus.fi checked September 26, 2026
Backs: Insurance types
“Autovakuutus, Moottoripyörävakuutus, Kotivakuutus, Matkavakuutus, Tapaturmavakuutus”
- popvakuutus.fi/asiakaspalvelu checked September 26, 2026
Backs: Support channels
“Chat-palvelu: Chat palvelee sinua vakuutuksiin liittyvissä asioissa”
- popvakuutus.fi/briefly-in-english checked September 26, 2026
Backs: Provider type, Licences
“POP Insurance is Finnish P&C Insurance Ltd.'s brand name”
- popvakuutus.fi/vakuutukset/henkilovakuutukset/matkavakuutus checked September 26, 2026
Backs: Claims channels, Cover limit
“Voit tehdä vahinkoilmoituksen Oma Palvelussa ja toimittaa asiaan liittyvät tositteet liitetiedostona hakemuksen yhteydessä”
- popvakuutus.fi/vakuutukset/henkilovakuutukset/tapaturmava... checked September 26, 2026
Backs: Age range, Excess from
“POP Vakuutuksen Tapaturmavakuutus myönnetään 0-79-vuotiaille”
- popvakuutus.fi/yritys checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“Yhtiö aloitti toimintansa vuonna 2012.”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from, Monthly payments.
POP Vakuutus
One Finnish insurer for auto, home, motorcycle and travel cover, with claims handled online, by phone or in chat.