Obligation to insure

In accordance with the Act governing motor liability insurance, all vehicles that have Finland as their permanent place of residence must have motor liability insurance. The obligation to insure applies to the owner and permanent keeper of the vehicle.

Motor liability insurance must be taken for the following:

  • Cars
  • Motorbikes and motocross bikes
  • Mopeds
  • Motorised bicycles
  • Snowmobiles
  • ATVs
  • Tractors
  • Power-driven work machinery
  • Semi-trailers and trailers
  • Caravan trailers
  • Lightweight trailers


As a rule, the obligation to take out motor liability insurance also pertains to a vehicle that need not be registered.

If this obligation is neglected, then the vehicle is not allowed on the road. Also, the annual vehicle inspection cannot be carried out on an uninsured vehicle.