I have not used the vehicle in road traffic, do I still need to insure it?
Traffic as defined in the Motor Liability Insurance Act is a more extensive concept than what is meant by public traffic or what has been stated about traffic in the Road Traffic Act. According to the Motor Liability Insurance Act, a motor vehicle is in traffic also when it is used or transferred (for example, a moped at the summer cottage) outside public roads; for example, in a yard, a field, a forest or on ice.
I do not use my vehicle, do I still need to insure it?
A vehicle in the vehicle register must have valid motor liability insurance. If you do not use your vehicle at all, you can apply for it to be removed from use. In this case, it is also exempt from motor liability insurance. Contact your motor liability insurance company to find out how withdrawing your vehicle from use affects your insurance premiums. More information on how to remove your vehicle from road traffic use is available at Traficom’s website (www.traficom.fi).
Unregistered vehicle: You must take out motor liability insurance even if your vehicle does not fall the registration obligation (e.g. ‘buggies’, motorised bicycles), if you use it in traffic. According to the Motor Liability Insurance Act, a motor vehicle is in traffic also when it is used or transferred (for example, a moped at the summer cottage) outside public roads; for example, in a yard, a field, a forest or on ice.
Should seasonal vehicles always be insured (mopeds, snow mobiles)?
Seasonal vehicles must also be insured immediately after purchase. Insurance companies have taken the seasonal nature of the vehicle use into account in the premiums. If you do not use your vehicle, you may remove it from traffic use. More information on how to remove your vehicle from road traffic use is available at Traficom’s website (www.traficom.fi).
Inheritance
If you have received a vehicle in the distribution of an estate or it has been left to you by a will, you must take out motor liability insurance for it within seven days of the distribution of the estate or when the will has become legally valid.
Q&A regarding insurance and compensation related to new electric mobility devices
What are these new electric mobility devices?
These include electric balance boards, electric scooters, self-balancing unicycles, electric mobility scooters, and pedelecs.
Why do these light electric mobility devices require no insurance?
These are not regarded as motor vehicles and, therefore, do not require motor liability insurance according to the legislation. They are considered to be parts of pedestrian traffic.
Can I take out motor liability insurance for light electric mobility devices?
No, you cannot. They are not regarded as motor vehicles as referred to in the Motor Liability Insurance Act. In case of accidents, you should, however, consider voluntary insurance cover, such as accident and third-party liability insurance.
Why are light electric vehicles not regarded as motor vehicles?
They are not classified as motor vehicles according to the EU legislation.
Why do motorised bicycles need to be insured?
They have been defined as a separate motor vehicle category in the EU legislation.
How does a motorised bicycle differ from other electric mobility devices that may have an identical maximum speed and power?
Motorised bicycles differ from pedelecs in terms of power (250 W vs. 1 kW), and they do not necessarily require pedalling, such as pedelecs. They differ from other light electric mobility devices in terms of the permitted maximum width which is higher than that of other electric mobility devices (1 m vs. 80 cm). Another difference is that motorised bicycles have been defined as a separate motor vehicle category in the EU legislation.
What insurance should be taken out for motorised bicycles?
You need to take out motor liability insurance from an insurance company. Taking out motor liability insurance is a statutory obligation.
Who pays for damage caused by a new light electric mobility device which is not covered by motor liability insurance?
Such damage is not covered by motor liability insurance. It all depends on voluntary insurance cover. Accident insurance covers personal injuries suffered by the insured person, and third-party liability insurance covers personal injuries the property damage inflicted on third parties. If there is no voluntary insurance cover, the party causing the damage will be responsible for all damage suffered by it and others.
What should I know when buying an electric mobility device?
Considering the insurance obligation, it is important to identify the top speed and maximum power of the mobility device. If the device travels at more than 25 km/h OR its power exceeds 1 kW, it requires motor liability insurance. Furthermore, a motorised bicycle requires motor liability insurance (power more than 250 W or top speed higher than 15 km/h).
If the power of the mobility device is more than 1 kW or its top speed is higher than 25 km/h, you should identify whether or not the mobility device can be used on Finnish roads.
What instructions would you give to anyone considering to buy a new mobility device?
If the device does not require motor liability insurance, ensure that you have sufficient voluntary insurance cover (accident and third-party liability insurance). In addition, such mobility devices should be used carefully, taking other road users into account. Also remember to familiarise yourself with traffic rules in advance. We also recommend that proper protective equipment, such as a helmet, be used.
Frequently asked questions: Penalty fee for failing to insure
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 (7) days of the purchase of the vehicle. If you only took out the motor liability insurance on the eighth day or later, the vehicle will be uninsured from the eighth day onwards. This is because the previous owner's liability continues for seven days and thus ended after the seventh day at midnight.
The penalty fee for failing to insure will also be charged for the day when the insurance was taken out if the insurance was only taken out after the seventh day. So be sure to take out insurance for your vehicle no later than on the seventh day from the data of purchase.
I took out motor liability insurance within seven (7) days of buying the vehicle. Why did I still get a penalty fee?
You bought your vehicle from an "interim owner" who had not registered it under his or her own name and had not taken out motor liability insurance for it. In this case, you must take out motor liability insurance immediately on the day of purchase. Because the previous owner did not have motor liability insurance, the seven-day time limit cannot, unfortunately, be counted in advance. If a road accident had been caused with the uninsured vehicle, the Finnish Motor Insurers' Centre would only have compensated the innocent party for the loss and charged the penalty fee for failing to insure to you.
It is not advisable to buy a vehicle from an interim owner.
Will my liability start from the time when insurance is taken out for the vehicle, from the time I purchase the vehicle, or from the time I gain possession of the vehicle?
The liability starts from the time of purchase. The time when you gain possession of the vehicle is of no significance as far as the obligation to insure is concerned.
Is it possible to have the validity of the insurance begin before the policy is taken out?
No. The validity of the insurance can begin no earlier than from the date when it is taken out. Read more about taking out insurance here.
Why do I have to pay the penalty fee for failing to insure even if I do not drive my vehicle?
When a vehicle is registered for traffic use, it must have valid motor liability insurance even if it is not driven at all. If the vehicle is not driven, it can be removed from traffic use using the insurance companies' or Traficom's services. Neither do the poor condition or storage method of the vehicle, the absence of a driving licence or a driving ban serve as grounds for exemption from the obligation to insure.
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 (7) days of the purchase of the vehicle even if there are deficiencies in the documentation of the vehicle or you did not get the documents in time from the seller. The licence plate number or similar identification data is sufficient for taking out traffic insurance.
The electronic certificate needed for registration is valid for 14 days. Do I have time to carry out the registration and take out motor liability insurance as long as the certificate is valid?
Even though the certificate is valid for 14 days, motor liability insurance must always be taken out within seven (7) days of the purchase of the vehicle. The registration of the vehicle must also be carried out within seven days.
Why does it take so long to get an invoice for the penalty fee?
Getting the invoice takes a long time, three months on average. The State Treasury imposes the penalty fee on presentation of the Finnish Motor Insurers' Centre (LVK). Only then will LVK be able to send the invoice to the customer. LVK sends the invoice to the customer immediately when information about the penalty fee imposed by the State Treasury is received by LKV.
Unfortunately, LVK will not be able to expedite the sending of invoices at the customer's request. However, any delay in the sending of the invoice will not increase the sum total of the invoice, but the fee will remain unchanged irrespective of the duration of the processing.
I received a notification that my vehicle is uninsured. The notification did not include any payment details. How can I make the payment?
You cannot pay it yet when the notification letter arrives. You can only make the payment when you have received a separate invoice. This will take a few months.
Why can the penalty fees for failing to take out motor liability insurance be so high?
The penalty fees for failing to insure are used for compensating the innocent party for the traffic accidents caused by uninsured vehicles. Hundreds of such accidents occur every year.
I have an affordable motor liability insurance policy and good bonuses, how can the penalty fee for failing to insure be this high?
The penalty fee for failing to insure is not an insurance policy so it does not take into account individual bonuses. The penalty fee is not calculated based on the insurance companies' information, but on the risk calculations made by the Finnish Motor Insurers' Centre.
Where did the Finnish Motor Insurers' Centre get the information about my vehicle not being insured?
Traficom sends the Finnish Motor Insurers' Centre a report of the vehicles for which no motor liability insurance has been taken out. Additionally, the police monitor traffic checking that vehicles have a valid motor liability insurance policy in place. For this purpose, the police have devices such as automatic licence plate readers.
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. However, 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. In this case, the insurance will only enter into force when the advance premium has been duly paid.
I was late to take out motor liability insurance for the vehicle I own. A holder was also registered for the vehicle who became the actual user of the vehicle. Why did the penalty fee for failing to insure go to the holder of the vehicle instead of me, the owner? Is it not possible to address the fee to me?
The penalty fee for failing to insure is primarily charged to the owner of the vehicle. If the fee cannot be collected from the holder, the payment obligation will only then pass to the owner. If you want to pay the penalty fee for failing to insure on behalf of the holder of the vehicle, you can, of course, pay the invoice sent to him or her.
Where can I appeal the penalty fee for failing to insure and its processing?
If you hold that the penalty fee for failing to insure is based on incorrect information, please contact the Finnish Motor Insurers' Centre immediately to clarify the matter.
On the other hand, if you consider that the decision made by the State Treasury on the imposition of the penalty fee is erroneous or you hold that the Motor Liability Insurance Act has been incorrectly applied, you may file an appeal against the decision in accordance with the appeal instructions accompanying the State Treasury's decision.
Read more from our website: Registration and insurance
COMBINING INSURANCE AND REGISTRATION PROCESSES
Combining insurance and registration processes – What does it mean?
Combining insurance and registration processes means that you can complete both processes at the same time using a single electronic system. Taking out statutory motor insurance is a prerequisite for vehicle registration. As insurance and registration processes require nearly identical information, they will be offered in a single electronic system to make vehicle registration quicker, easier and less expensive.
You can also register your vehicle in electronic Traficom services but, in this case, you need to have taken out motor insurance in advance.
After the combination, the process is now wholly electronic and paper-free. No paper registration certificate is needed. Instead, the registration process uses a secure electronic certificate which can be generated in Traficom's electronic services. Read more about the use of the certificate here.
However, regardless of the transition to an electronic registration process, you can still register your vehicle by visiting an insurance company, car dealership or inspection station which offers registration services.
Can I complete the insurance and registration process in any insurance company?
Yes, you can.
Why was this change made and what does it cost?
Taking out motor insurance is a prerequisite for vehicle registration. As insurance and registration processes require nearly identical information, combining them into a single process makes it easier to fulfil all obligations related to the change of vehicle ownership.
The price of the self-service registration is lower than that of a personal visit. In addition, this change reduces the costs incurred by society.
As no paper registration certificate is required, the process produces savings and is friendly to the environment.
SELLING AND BUYING A VEHICLE
What do I do if I buy a car from a dealership and trade in my old car to the dealership?
Generate a certificate for your old car in Traficom's electronic service. Sign a deed of sale on the vehicles with the dealership. Then, you can hand over the certificate you created to the dealership. After this, you should complete a notification of transfer at Traficom.fi.
I always buy my car from a dealership which takes care of insurance and registration processes for me. What do I do from now on?
You can do as you have done before. Dealerships continue to complete the required insurance and registration processes. For consumers, combining insurance and registration processes mostly affects trading between private individuals, and has no significant impact on transactions with dealerships.
When I sell my car, how can I make sure that my obligations towards the vehicle cease to be in effect?
Once you have sold your car, complete a notification of transfer using your insurance company's electronic service or the electronic services offered at Traficom.fi. To complete the notification, you need the buyer's personal identity number or business ID. If you do not know what the buyer's personal identity number or business ID is but you do not the buyer's name and address, you can prepare the notification of transfer at your insurance company's branch office or at an inspection station. Your obligations will automatically cease to be in effect after the new owner registers the change of ownership.
By preparing a notification of transfer, you can also make sure that the correct transfer date is entered in the vehicle register.
USING ELECTRONIC SERVICES
Can I insure and register my vehicle on my own using electronic services? Where can I do this?
Yes, you can. You can both insure and register your vehicle using electronic services of insurance companies. At Traficom.fi, you can complete the electronic registration process if you have taken out motor insurance in advance.
I do not have any online banking IDs. Can I complete the electronic process without them?
Yes, you can. The Traficom website and most insurance companies also use other identification methods. In addition to online banking identifiers, mobile identification is a strong identification method.
To create a certificate on the Traficom website, you need online banking or mobile identifiers.
To register the change of ownership, you can identify which identification methods your insurance company uses. You can complete the registration process through electronic services in most insurance companies.
How can I take out motor insurance if my insurance company's electronic services are unavailable?
You can still take out motor insurance by visiting your insurance company or an inspection station.
CERTIFICATE
What is a certificate and why do I need it?
A certificate is a six-digit code which can be generated using the electronic services offered at Traficom.fi. The certificate remains valid for 14 days after it has been generated. If this time elapses, you can generate a new certificate.
The certificate is needed when the registered owner of a vehicle is selling or transferring the vehicle to a new owner. The seller hands over the certificate to the buyer who presents it during registration. Be aware that the buyer has to take out the new motor liability insurance policy within seven days even though the electronic certificate for registering is valid for 14 days from its creation.
You can use the certificate to complete the registration process at all registration outlets and in your insurance company's electronic service.
Read more about the properties and use of the certificate on the Traficom website.
I do not have a certificate. How can I insure and register my vehicle?
Request a new certificate or part II of the registration certificate from the seller of the vehicle. Without one of these two, you cannot register the change of ownership. The seller of a vehicle is obligated to transfer a certificate or part II to the buyer of the vehicle.
You can take out insurance without the certificate. If a certificate is missing, you can only register your vehicle at a registration outlet with part II of the registration certificate.
REGISTRATION CERTIFICATE
Will I receive a registration certificate if I register my vehicle using my insurance company's electronic service?
Registration certificates will no longer be provided or mailed automatically after registration, and part I of the certificate no longer needs to be kept in the car. If you want a registration certificate, you can get one from the electronic services at Traficom.fi or from inspection stations.
Can I register my vehicle using paper registration documents?
Yes, you can. However, you cannot register the change of ownership in the electronic service using the registration certificate. Instead, you need to visit an inspection station or your insurance company. You can take out motor insurance without any certificate. For further information, contact your insurance company.
VEHICLE DECOMMISSIONING AND COMMISSIONING
Where and how can I decommission or commission my vehicle?
All vehicles can be decommissioned or commissioned using the electronic services offered by Traficom and most insurance companies. Inspection stations also accept decommissioning and commissioning registrations. You can decommission all vehicles without any obligation to return their registration plates.
What is the impact of temporary decommissioning on insurance premiums?
The impact of decommissioning on the insurance premium depends on your insurance agreement with your insurance company. For further information, contact your insurance company.
Will I need a certificate to decommission or commission my vehicle?
No, you will not. However, you need to be the registered owner or holder of the vehicle. Only the registered owner or holder is able to register the decommissioning or commissioning of a vehicle. The registering party is always identified during the process and it is verified from the register that the specific party is the registered owner or holder of the vehicle.
The new act governing motor liability insurance entered into force on 1 January 2017. The complete reform of the act makes the existing regulations clearer and less equivocal.
In the new law, deficiencies in the old law were corrected and at the same time future changes were anticipated, for example, the increase in the automation of driving. The basic principles of the law remain unchanged. The basic principles are the scope, the obligation to insure, and the principles and reimbursement benefits of compensating damage.
However, the change in the law brings many practical changes. For example, the penalties for failing to insure will increase and victims' legal protection will improve. In addition, insurance companies are now able to take claims history more flexibly into account in their products.
Do I need to do something to my motor liability insurance as a result of this new law?
No, you do not. The new law does not require any action from policy holders.
What are the main changes to the law?
The penalties for failing to insure your vehicle become stiffer. It remains prohibited to drive an uninsured vehicle, and the police can remove its registration plates immediately. Penalty payments will also be larger than before. The new law improves the status of victims, because time limits for claims handling were introduced.
The law makes it possible to use the insurance and claims histories of policy holders more comprehensively than before in insurance pricing. For example, the claims history of one vehicle can be taken into account in the pricing of more than one vehicle and the claims histories of a number of vehicles can be taken into account in the pricing of one vehicle's insurance with the same owner. This means that the claims history does not necessarily have to start at zero with each new vehicle.
When did the new law come into force?
January 1st, 2017.
The exception is the section on medical expenses, which came into force in August 2016.
Why was the law being reformed?
The old act governing motor liability insurance entered into force in 1960, and the content of the law has gradually become obsolete.
How has the law been reformed? What was the aim of the reform?
The aim of the complete reform of the Act governing motor liability insurance was to make its content structure clearer and less equivocal than before. Additionally, established practices that have so far been missing from the law were now included.
The new law clarifies and improves the position and rights of policy holders and victims. The law also takes into account future needs, such as the increase in self-driving cars.
The new act aims to promote development and competition in markets. In practice, the reform gives the insurance industry the opportunity to develop new products.
The basic principles of the law remained the same, however. The basic principles are the scope, the obligation to insure, and the principles and reimbursement benefits of compensating damage.
What happens if a vehicle's owner fails to take out obligatory motor liability insurance?
The consequences of failing to insure one's vehicle become more severe as a result of the new law:
The size of the penalty fee is affected by 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. The penalty fee for failing to insure is raised in the new law.
Why are the consequences of failing to insure becoming more severe?
Damage caused to an innocent party by an uninsured vehicle is paid out from a common fund, which means that other policy holders ultimately have to pay for that damage. The better vehicles are insured, the less we have to pay for damage caused by others.
Is there a change to the insurance obligation in the new law?
The new law does not change the obligation to insure one's vehicle.
The new law, however, exempts from the insurance obligation lightweight unregistered vehicles intended exclusively for use by disabled persons.
In addition, it is no longer necessary to take out motor liability insurance for vehicles that have been withdrawn from use. However, it is worth noting that in this case the insurance must be cancelled separately. If the motor liability insurance has been cancelled, it has to be taken out again before informing Trafi that the vehicle is back on the road.
Do light electric mobility devices have to be insured?
There are no changes for insuring light electric mobility devices, such as electric balance boards and scooters. Most of these still do not need to be insured. Their speed, power and vehicle class are the deciding factors in this. Read more about insuring light electric mobility devices.
Does the compensation for traffic accidents change with the new law?
Very little from the point of view of consumers. The aim was to maintain the level of comprehensiveness and protection offered by motor liability insurance, even though there have been some changes in the scope of the insurance. However, maximum compensation for material damage rises from EUR 3.3 million to EUR 5 million.
How quickly will compensation be paid?
Processing times for claims will shorten. Processing of claims must now begin within seven days of the claim arriving, i.e. when the action is instituted. The decision on the claim must be given within one month of it being instituted. Should the decision on the claim take over one month, the claimant is to be paid interest on the delayed payment. If the case is delayed by such matters as establishing liability, the insurance company must give the claimant a reason for why the handling the claim has been delayed within three months.
Who compensates the innocent party if the other party has failed to insure their vehicle?
The Finnish Motor Insurer's centre continues to compensate the damages to the innocent party. The compensation is equivalent to the amount it would have been if the vehicles had had valid insurance.
How claims histories are taken into account better?
Under the new law, insurance companies have more flexibility in determining the basis calculation of insurance premiums. For example, it's be possible to take the claims history of one vehicle into account in pricing the insurance for a number of vehicles.
As before, the law obligates insurance companies to take a person's claims history into account in insurance premiums.
What effect does the law have on cases where a vehicle has multiple users? Whose claims history is be taken into account when determining the premium?
The price of motor liability insurance is not only determined by the claims history. It is instead calculated from several of risk factors known as tariff factors. The price is affected by factors relating to both the driver and the vehicle.
The reform of the Act governing motor liability does not change the way these factors are assessed, but continues to be based on calculated actual risks.
In principle, the risk factors related to the user, including their history, are assessed according to the main user of the vehicle (in practice the owner and/or holder of the vehicle). If the vehicle has several holders, it is possible in insurance companies' products to take the claims histories and other risk factors related to the users into account.
Claims history data are specific to each individual policyholder, so they can no longer be transferred to another person. However, when the insurance premium is determined, the insurance company may also take into account the claims history of a vehicle owned or controlled by the client's spouse. This is possible in situations where, for example, both spouses have used the vehicle or the vehicle will also be used by the policyholder's spouse. Each company decides for themselves how they use the claims history data and whether they take into account the data of more than one person.
Claims history data are specific to each individual policyholder. Does this mean that, should an accident occur with one vehicle, this will also have effect on the bonuses of the policyholder's other vehicles?
Not necessarily. It depends of the insurance terms and conditions of the company concerned. Check with your own insurance company.
Can a company insure its whole fleet with one insurance policy, or does each vehicle have to be insured separately?
The new law enables companies with a registered Business ID to insure their whole fleet with one policy, without distinguishing separate vehicles. This is known as group motor liability insurance. However, insurance companies are not obliged to grant group policies. These can be agreed upon separately. In practice, this kind of solution is best suited to large freight forwarding companies or similar that have large fleets of vehicles.
Does the green card area change as a result of the new law?
No, it does not. However for countries outside the EEA the insurance can limit its area of validity. Always check with your own insurance company your insurance cover before beginning a trip.
What do you need to remember when travelling abroad?
Always check your insurance cover for at least your motor liability and travel insurance. There could be differences in insurance cover depending on the country you are travelling to. For example, not all countries have the same cover for the driver as in Finland (i.e. where the driver causing the accident receives compensation for their personal injuries). So remember to check whether you need supplementary insurance.
In particular, when travelling outside the green card area it is important to make sure you have enough insurance cover.
Why is motor liability insurance obligatory?
Motor liability insurance safeguards the innocent party's legal protection and compensation. The protection given by motor liability insurance in the new law remains as broad as before.
When compared internationally, Finland has very comprehensive motor liability insurance cover. Not even all the green card countries have cover for the driver (i.e. where the driver causing the accident receives compensation for their personal injuries).
The risk of accident when in traffic is bigger than in many other areas of life. Statutory motor liability insurance gives comprehensive insurance cover. It compensates the personal injuries of both the innocent party and the party causing the accident. The innocent party who has been injured is covered both for personal injury and material damage. Motor liability insurance gives comprehensive liability insurance coverage also to the party causing the accident.
The fact that motor liability insurance is obligatory, that is to say statutory, is also due to international legislation, i.e. the Motor Insurance Directive.
What are the benefits of voluntary comprehensive insurance?
Motor liability insurance does not cover personal injury and material damage suffered by the owner or holder of the vehicle that caused the accident. This damage can be compensated through voluntary vehicle insurance, i.e. comprehensive insurance. In addition, with comprehensive insurance there is the possibility to have extra cover against vandalism, fire or theft.
How does the new law affect the bonus system of insurance companies?
The new Act governing motor liability insurance does not oblige companies to change their bonus systems. On the other hand, the law enables more flexible utilisation of claims histories.
What is the law on the Finnish Motor Insurers' Centre, what changes are there?
The previously separate decree has now been integrated into the new Act governing motor liability insurance. The act obligates companies granting motor liability insurance to be members of the Finnish Motor Insurers' Centre (LVK) as well laying down provisions for the administration and funding of the centre. In addition, the State Treasury will become a member of LVK.
The new law states that LVK no longer determines the payment for failing to take motor liability insurance (compensation fee), but it is now done by the State Treasury based on a recommendation by LVK.
What kind of claims LVK compensates in future?
LVK continues to compensate traffic accidents caused by uninsured, unknown and foreign vehicles as well as reindeer damage caused by vehicles to the owners of the reindeer.
As a result of the new law, LVK compensates damage caused by vehicles that have been freed from their insurance obligation. This task belonged to the State Treasury before.
In addition, LVK continues to compensate damage in those situations in which a vehicle's motor liability insurance has been cancelled as a consequence of the vehicle having been stolen.
How have self-driving cars been taken into account in the new law?
As regards policy holders and those involved in accidents, this issue has in practice no bearing as they will in any case be compensated primarily from motor liability insurance.
The new law makes it possible for the manufacturer of the whole vehicle or part of it to be liable for compensation of a traffic accident, in accordance with the Product Liability Act. In practice, the compensation can be directed to the manufacturer in those situations where the accident is not caused by the driver but by e.g. a vehicle defect or programming fault.
Experts in total reform of the Act governing motor liability insurance at the Finnish Motor Insurers' Centre:
firstname.lastname@vakuutuskeskus.fi
Load the new act governing motor liability insurance