I took out motor liability insurance within seven (7) days of buying the vehicle. Why did I still get a penalty fee?

If you bought your vehicle from an "interim owner" who has not registered it under his or her own name and has not taken out motor liability insurance for it, you must take out motor liability insurance immediately on the day of purchase. Since the previous owner did not have motor liability insurance, the seven day time limit cannot be counted in advance. If a road accident had been caused by the vehicle, the Finnish Motor Insurers' Centre would have been responsible for the loss.

I received a penalty fee for failing to insure for one day when I already had insurance, why?

Motor liability insurance must be taken out within seven days of the purchase of the vehicle. If you have not taken out motor liability insurance until the eighth day or later, you are already uninsured that eighth day. This is because the penalty fee for failing to insure is also charged for the day you took out the insurance.

I could not register the vehicle because I did not get the vehicle documents in time. Why do I have to pay the penalty fee?

Motor liability insurance must always be taken out within seven days of the purchase of the vehicle regardless of the fact that there are deficiencies in the documentation for your vehicle.

I was not accepted for motor liability insurance because I have a credit default entry. What should I do?

Insurance companies are obligated to grant motor liability insurance, but in certain cases they have the right to charge the premium for one insurance period in advance; for example, when the customer has credit default entries.

01.01.2017