Car insurance
Choose the winner of Kuluttaja magazine’s test as your car insurance.
Why our customers choose us
Why insure your car with If?
Which car insurance is right for me?
Car insurance should be suitable for your needs. That’s why we’ve designed our car insurance to give you the flexibility to pay based on your driving habits, and you can customise the insurance to suit your current situation. Without forgetting our multi-policy discounts.
Compare the price of Full Casco and the more affordable Semi Casco – with or without additional covers. Casco insurance is also a worthwhile option for an older car, as you can get the insurance at a surprisingly affordable price.
Compare car insurance policies
What is included in car insurance?
Car insurance needs to be tailored to your specific needs. Motor third party liability insurance is mandatory for all vehicles used in traffic, while casco insurance is a voluntary insurance that supplements the mandatory third party liability insurance. Casco insurance consists of different types of cover, from which you can choose the coverage you want.
| Compare car insurance policies | Full Casco | Semi Casco | Motor liability | |
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| Included | Included | Included |
All If vehicle insurance policies include the mandatory motor liability insurance. It covers:
To cover damage to your own vehicle, you need a Casco insurance. |
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| Included | Included | Included |
If offers you anytime access to phone advice and support, if your car breaks down, if you are involved in an accident or you have any other concerns related to your car. If can be contacted quickly online or by phone: 010 19 18 40. The call cost is charged at your phones standard call rate, and you'll be notified within 15 minutes of how we're going to resolve the situation. At the same time we will check your insurance and tell what expenses it covers. |
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| Included | Included | Not included |
Our 24/7 towing and road service makes sure you can move on, if your trip is interrupted by an accident or a technical fault. Our professional towing partners will take your car to reliable first-rate repair shop or they solve your problem on the spot. When you order towing via If, we take care of towing bill and file claim on your behalf, and your deductible is 0 euros. Otherwise deductible for towing is 50 euros. We also cover extra expenses incurred by the interruption of your trip up to 500 euros. Travel expenses and hotel charges are examples of such costs. |
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| Included | Included | Not included |
We will cover your vehicle, if it gets stolen. You will also receive compensation if the paint of on your car gets scratched or for other malicious damage. We also cover fire damage caused by a fire or by thunder. Your deductible is 200 euros. |
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| Included | Included | Not included |
Legal protection covers trial costs relating to the use of your car. The upper limit of the coverage is 10 000 euros, and your deductible is 20% of the cost, at least 200 euros. We will also cover damage occurring outside the EU and EEA, such as in Green Card agreement countries, for which the driver of your vehicle is personally liable to third parties. The maximum amount of compensation for both personal and property damage is 250 000 euros, and your deductible is 500 euros. |
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| Included | Included | Not included |
Personal cover is a significant extension of the coverage provided by the mandatory motor liability insurance. All persons in the insured vehicle at any time are covered. If a traffic accident leads to bodily injury or death, compensation for non-permanent damage will be paid up to 21 000 euros, depending on the seriousness of the injury. Death cover relating to a traffic accident is 25 000 euros, payable to the deceased person’s estate. There is no deductible, and the compensation does not decrease the bonus. |
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| Included | Included | Not included |
Pet coverage includes injuries to a dog or cat when they are a passengers in the vehicle. The cover compensates treatment expenses up to 3 000 euro, if the pet has received an injury requiring medical treatment in a traffic accident. The compensation for the death of a pet is up to 1 200 euro. |
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| Included | Included | Not included |
If you run into an elk, a deer, or any other animal with your vehicle, we cover the damage to your vehicle without any decrease of your bonus. You just pay a 200 euros deductible. |
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| Included | Not included | Not included |
We compensate for damage to your car caused by a collision of by you driving off the road. The collision cover also compensates for collisions in case the liability cannot be reliably established. The collision cover also covers a wide variety of damage situations, such as a tree, a branch or snow falling on and damaging your vehicle. Your preselected deductable reduces the compensation amount paid accordingly. A larger deductible reduces the cost of the Casco policy. Claiming collision coverage will reduce the bonus level of the Casco insurance. Acts of are an exception; they do not reduce the bonus. |
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| Included | Not included | Not included |
We cover dents caused your parked car by an unknown motor vehicle without any bonus reduction. You just pay a 200 euros deductible. If you damage your car yourself when parking, your damage will be covered by the collision cover. |
| Improve your Casco insurance coverage | Full Casco | Semi Casco | Motor liability | |
|---|---|---|---|---|
| Included | Included | Not included |
The windscreen cover will compensate a broken windscreen without any bonus reduction. A repair does not affect the bonus, the deductible for a replacement is 200 euros. You might want to consider the windscreen cover, damage to a window is the type of damage compensated most frequently at If. Repairing the windscreen costs 70 euros on average, replacing the windscreen 750 euros on average. Replacing a windscreen equipped with heating or rain sensors may cost more than 1 000 euros. |
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| Included | Not included | Not included |
Redemption coverage guarantees proper compensation if your car is beyond repair. You'll get a better lump sum for the car, even if its value has already decreased. You will receive compensation equal to the cash selling price of a new similar car when the following conditions are met:
Otherwise, your compensation will be the cash selling price raised by 30%, when the repair cost estimate is more than 60% of the current price. Compensation for a second-hand vehicle shall not exceed the selling price at the time of its purchase. |
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| Included | Not included | Not included |
Regardless of the damage, you always get a replacement car for the duration of the repair. If you need a car daily, the replacement car will ensure that you manage. |
Choose the test winner as your car insurance
Competitive pricing, comprehensive Full Casco and maximum bonuses in just five years helped If reach the top spot in the comparison of car insurance providers by Kuluttaja magazine.
Studies have shown that If also offers the best customer experience in the insurance sector. In the case of car insurance, for example, this means high-quality services, excellent partners and speedy processing of claims.
In case of a loss
Smooth claims services
Select what happened
Is the cheapest car insurance good enough?
A cheap car insurance that provides little coverage may be costly in the long run, if it does not cover common types of damage that even careful drivers cannot always avoid. That’s why you should also look at the insurance coverage, the amount of deductible and the insurance company’s services and customer satisfaction.
In general, third party liability insurance required by law is the cheapest possible car insurance. However, we recommend adding at least Semi Casco insurance, as third party liability insurance alone does not cover the most common types of loss and damage. These include windscreen damage, towing and collisions covered by Full Casco.