One does not take out motor liability insurance for:
- vehicles that do not need to be registered and are not used on the road*
- vehicles that have been withdrawn from use and are not used on the road*
- vehicles that have been withdrawn from use for good.
* When considering whether you are obliged to insure your vehicle, it is worth remembering that your vehicle comes under the Act governing motor liability insurance also when you use or move it in off-road areas such as gardens, fields, forests or on ice. The definition of motor vehicles under the act is wider than how the definition is generally understood, or even how it is defined in Finland's highway code.
Also, certain vehicles of small weight or low speed are exempt from motor liability insurance:
- such motorised machines or tractors that do not need to be registered and whose top structural speed does not exceed 15 km/h
- combined harvesters and other motorised agricultural machines that do not need to be registered
- trailers that do not need to be registered
- such vehicles that are designed to be solely driven by children and that do not need to be registered
- such electric wheelchairs and lightweight unregistered vehicles intended exclusively for use by disabled persons and that do not need to be registered
- light electric mobility devices whose power does not exceed 1 kW and structural speed does not exceed 25 km/h. Read more from page Light electric mobility devices.
Accidents in Finland caused by vehicles exempt from the obligation to insure in Finland are handled by the Finnish Motor Insurers' Centre.
An exception to this is the aforementioned electrical mobility equipment, which is totally outside the remit of the motor liability insurance system.