Insurance of a motor vehicle is a legal obligation

If a vehicle is registered for use in traffic, it must be covered by a valid motor liability insurance. Read more about the obligation to insure the vehicle.

The Motor Insurance Act will be revised in 2024. The changes will take effect on 1 June 2024. The legal reform is based on the national implementation of Directive (EU) 2021/2118 (“Motor Insurance Directive”).

Check the salient legislation related to motor liability insurance by clicking the links below:

• The Act governing motor liability insurance (pdf)
• Motor insurance directives (Council of Bureaux website)
• The Act governing rehabilitation (pdf)
• Tort Liability Act (in Finnish on Finlex website) 
• Insurance Contracts Act (in Finnish on Finlex website) 
• Vehicles Act (in Finnish on Finlex website)