Each motorist travelling abroad should take into account that road accident compensation issues are usually solved in accordance with local legislation of the incident country. Especially outside EEA countries, you cannot use the motor liability insurance of your own vehicle to compensate for bodily injuries to the guilty driver or the owner. On the other hand, if an accident happens in an EEA country, a Finnish motorist can choose whether to use his or her own motor liability insurance to cover his or her bodily injuries.
The content and extent of compensation under voluntary motor vehicle insurance varies by company. For this reason, you should always check your insurance cover before setting off on a trip.
As a rule, the Finnish "kasko" or full comprehensive insurance is valid without separate agreement in all European countries and the Green Card agreement countries outside Europe. Insurance companies may have limited the validity of theft insurance and/or raised the deductible.
The most full comprehensive insurance usually include (or it is available as an option) motor car rescue and towing insurance as an additional insurance, which in the Green Card countries is known as SOS motor car rescue insurance. It cannot be taken out as separate insurance.
The insurance compensates for the additional costs incurred by the interrupted travel in accordance with the terms and conditions of the SOS motor car rescue insurance. In the event of an emergency or accident, contact your own insurance company or the office of the SOS-International A/S tel. +358 9 252 71160 (open 24/7).
Motor liability insurance granted in Finland is valid in all EEA countries and Switzerland. However, we recommend that you acquire a Green Card for car trips in EEA countries outside the Nordic countries.
As a rule, road accidents are compensated for in accordance with the legislation of the country in which the incident took place. In EEA countries, Finnish motorists can choose, when they are the guilty party, whether to use the motor liability insurance of their own vehicle, which also covers possible bodily injuries to the driver and the owner of the vehicle.
EEA countries are: Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Great Britain and Northern Ireland, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.
In addition to these countries, motor liability insurance granted in Finland covers, for Finns or other citizens of EEA countries, losses that have occurred going directly through a country on a trip from one EEA country to another.
In all the Green Card countries outside the EEA (i.e. nearly all the other European states and a number of Mediterranean and Middle East countries), motor liability insurance compensation is almost always paid in accordance with the rules and regulations in force in the country where the incident occurs.
With the exception of Andorra, Serbia and Switzerland, motorists planning to travel to these countries are required to get a Green Card from their motor liability insurance company and to find out whether additional cover is needed, depending on the country of destination.
For example, motor liability insurance covering the vehicle that caused the accident does not pay out compensation for bodily injuries suffered by the driver or even a passenger in all cases. Therefore, it is recommended that additional cover is acquired, for example, with traveller's insurance.
If the vehicle is not covered by a valid Green Card, you must buy the destination country's motor liability insurance, 'frontier insurance', at the border