Motor liability insurance is obligatory
The insurance applies for example the Act governing motor liability insurance, Vehicles Act and Tort Liability Act.
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 was revised in 2024. The changes entered into force 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 (European Comission)
- 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)