If the statutory motor liability insurance was not taken out for the vehicle within the required period, the Finnish Motor Insurers' Centre will charge the keeper of the vehicle a fee corresponding to the whole period during which the vehicle was uninsured, as well as a penalty fee.
If the keeper has been declared insolvent, the payment will be collected from the owner.
The penalty fee may be up to three times the amount of the original insurance premium. The vehicle that has been left uninsured is not allowed on the road until the requisite insurance has been taken out. If an uninsured vehicle is detected in traffic, the police may remove its registration plates.
The payment corresponding to the outstanding motor liability insurance and the penalty fee is determined by the State Treasury based on a recommendation by the Finnish Motor Insurers' Centre. The payment corresponding to the outstanding motor liability insurance and the penalty fee together make up the fee for non-insurance.
The Finnish Motor Insurers' Centre administers the collection of payments. The Finnish Motor Insurers' Centre also processes the claims regarding accidents caused by uninsured vehicles.
Trafi sends the Finnish Motor Insurers' Centre a report of the vehicles without motor liability insurance. The obligation of unregistered vehicles to take out motor liability insurance is monitored by the police in the course of their normal traffic surveillance activities. For vehicles entering the country, the obligation to take out motor liability insurance is monitored by Customs and the frontier authorities.
You may respond to the enquiry by e-mail to hyvike(@)vakes.fi. Include your case number and contact information in your response.
If your vehicle had valid motor liability insurance at the time mentioned in the enquiry, give the name of the insurance company and the date the insurance became valid. We will process the matter on the basis of your response and notify you of the decision by e-mail.
The owner or keeper of a vehicle failing to take out insurance must pay a payment corresponding to the insurance premium. The charge is levied for the whole time that the vehicle has been uninsured, but for no longer than the current year and the previous five calendar years. In addition to this, a penalty fee may be imposed that is up to three times the amount of the original insurance premium.
The payment corresponding to the insurance premium is meant to correspond as closely as possible to an average insurance premium. The basis for payment is based on risk premium research by the Finnish Motor Insurers' Centre.
The factors affecting the size of the penalty fee are the period of time the vehicle has been uninsured, whether the failure to insure has been deliberate and repeated, as well as whether the vehicle has been driven in traffic. According to the Act governing motor liability insurance, the penalty fee can be a maximum of three times as much as the payment corresponding to the insurance premium.
If the penalty fee has been transferred for collection by the debt collection company, it must be paid to the debt collection company. Likewise, any payment arrangements have to be agreed directly with the debt collection company.
If the penalty fee has been transferred for post collection by the debt collection company, it must be paid against the debt collection company's invoice. The payment arrangements of a penalty premium transferred to post collection have to be agreed directly with the debt collection company.
If the collection of the penalty fee has been transferred to enforcement, it must be paid through the enforcement office. Again, the payment arrangements have to be agreed with the enforcement authorities.
The penalty fee can often be paid in instalments. If you have received an invoice from us for a penalty fee due to a failure to take out insurance, you may propose an instalment schedule. Please note that the minimum instalment is €50/month. Instalments are not possible if the penalty premium amounts to less than €100.
You may send your proposed instalment schedule by e-mail to hyvike(@)vakes.fi. Indicate your proposed instalment schedule and due date. You will receive a response to your proposal by e-mail.