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Motor vehicle liability insurance – Penalty fee

  • Service description

    The owner or holder of a vehicle must take out motor liability insurance for their vehicle, unless the vehicle has been decommissioned in the Traficom register. The insurance policy must be taken out within seven days of purchasing the vehicle, at the latest. Registering change of ownership is not a prerequisite for being granted motor liability insurance.

    Traficom shall send the Finnish Motor Insurers’ Centre (LVK) a notification of vehicles that have not been insured. The obligation of unregistered vehicles to take out motor liability insurance is monitored by the police in the course of their normal traffic surveillance activities. Customs and border control authorities monitor compliance with the obligation to take out motor liability insurance for foreign vehicles entering the country.

    LVK submits a proposal for imposing a fee corresponding to the insurance premium and the penalty fee to the State Treasury.

    If you have failed to take out motor liability insurance for your vehicle, the State Treasury shall impose a fee corresponding to the insurance premium and a penalty fee for the period of time that your vehicle has been uninsured. The State Treasury shall transfer the fees it has imposed to be collected by the LVK. You will receive an invoice from the LVK.

  • Why was I issued a penalty fee?

    According to the Traficom register, you have owned or held an uninsured vehicle.

    In the first instance, the State Treasury shall impose the fees to the holder of the vehicle. The payments can be imposed for the current year and five previous calendar years.

  • What to do

    1. The Finnish Motor Insurers’ Centre (LVK) shall send you a notification concerning your failure to take out insurance on your vehicle. If you think this information is incorrect, you may submit a report to the LVK.
    2. If the LVK does not accept your report, the matter is transferred to the State Treasury.
    3. If you are found to have neglected taking out motor vehicle liability insurance, the State Treasury shall issue a decision imposing a penalty fee on you.
    4. The LVK will send you an invoice within one month of the date of the decision of the State Treasury.

  • How much will I have to pay?

    The sum of the payment corresponding to the outstanding motor liability insurance is based on a table drafted by the Finnish Motor Insurers’ Centre (LVK). The payment corresponding to the outstanding motor liability insurance will not correspond to the sum of the insurance premium, had it been paid.

    The minimum payment is 15 euros for trailers and 25 euros for other vehicles.

    The maximum amount of the penalty fee is three times the amount of the outstanding insurance premium.

  • Prohibition of the use of the vehicle

    Any vehicle for which the obligation to insure has been neglected cannot be used until it is insured. If an uninsured vehicle is found in traffic, the police may remove the number plates of the vehicle.

    The Finnish Motor Insurers’ Centre (LVK) processes traffic accidents caused by uninsured vehicles. Penalty fees are used for compensating the damage caused by traffic accidents caused by uninsured vehicles.