Prior information concerning distance selling

Section 6 a of the Consumer Protection Act (38/1978) provides for traders’ obligation to provide information to consumer customers in the context of insurance business carried on using remote means of communication.

Insurance business carried on using remote means of communication (distance selling) means the provision of insurance to consumers by way of distance offering whereby the conclusion of contracts and the marketing that precedes this are effected solely by one or several remote means of communication.

‘Distance offering’ means a method of marketing or selling so arranged that its primary purpose may be deemed to be the conclusion of contracts through a remote means of communication.

‘Remote means of communication’ means telephones, the postal service, televisions, information networks or other instruments which can be used to conclude a contract without the simultaneous physical presence of the parties.

This prior information concerning insurance business carried on using remote means of communication (distance selling) applies to the provision of insurance on the insurer’s website and in telephone communications.

For non-life insurance, the insurers are the LocalTapiola Group mutual regional non-life insurance companies and LocalTapiola General Mutual Insurance Company.

For life insurance, the insurer is LocalTapiola Mutual Life Insurance Company.

The LocalTapiola Group mutual regional non-life insurance companies:

For the telephone numbers and more detailed contact information of our regional insurance companies, see her e (in Finnish).

LocalTapiola General Mutual Insurance Company
Business ID: 0211034-2
Revontulenkuja 1
FI-02010 LähiTapiola
Tel. exchange: +358 9 4531

LocalTapiola Mutual Life Insurance Company
Business ID: 0201319-8
Revontulenkuja 1
FI-02010 LÄHITAPIOLA
Tel. exchange: +358 9 4531

For your own insurer, see your policy document and the offer that we have sent you.

The LocalTapiola Group mutual non-life insurance companies serving in the capacity of insurers are registered in the following public registers in the Business Information System (BIS) common service maintained by the Finnish Patent and Registration Office and the Finnish Tax Administration:

LocalTapiola Mutual Life Insurance Company serving in the capacity of insurer is registered in the following public registers in the Business Information System (BIS) common service maintained by the Finnish Patent and Registration Office and the Finnish Tax Administration:

The relevant authority supervising the insurers’ activities is:

Financial Supervisory Authority
Snellmaninkatu 6
P.O. Box 103, FI-00101 Helsinki
Telephone, exchange: +358 9 183 51
kirjaamo(a)finanssivalvonta.fi

The main content of each insurance and the scope of insurance cover, as well as the details of the key exclusions, can be found in the insurance-specific product description, terms and conditions and Insurance Product Information Document, available at our website.

The insurance price calculator and the criteria under which the premiums are assessed, as well as the insurance payment details, are available separately for each insurance.

Learn more about our various insurances here (in Finnish).

Insurance is not subject to the provisions governing the right of withdrawal laid down in Section 6 a of the Consumer Protection Act. The Insurance Contracts Act contains provisions on policyholders’ right to withdraw from and cancel insurance contracts.

According to the Insurance Contracts Act, the policyholder has a right at all times to cancel insurance to end during an insurance period. Any cancellation must be made in writing. If the policyholder does not indicate when insurance is to end, insurance ends when the notification regarding cancellation is issued or submitted to the insurer. However, the right of cancellation does not arise where the agreed period for which an insurance contract is in force is shorter than 30 days. In the event of cancellation, the applicable premium will be charged from the beginning until the termination of insurance.

If you are not satisfied with a decision you have received, or if anything is unclear with your insurance contract, please first contact your insurer. For further information about the criteria behind our decision, and about the other relevant factors, contact the person who was responsible for examining your claim. For that person’s contact details, see the decision you received. We will revise our decision if it proves to be incorrect. For further information about your insurance contract, you are advised to call our customer service.

Decisions are always accompanied by appeal instructions, which tell you in greater detail how you can appeal your decision. The appeal process varies depending on the type of insurance.

For further information about the legal remedies available to customers, please visit our website. The relevant insurance product-specific information about the available legal remedies can also be found in the product description and the terms and conditions of each insurance.

This prior information concerning distance selling is provided in accordance with the legislation in force in Finland.

All insurance contracts are subject to Finnish law.

Our languages of service are Finnish and Swedish.