Insurance Regulation

Original Language Title: Liikennevakuutusasetus

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1959/19590324

The Minister for Social Affairs on 26 June 1959, provides for the presentation on the transport insurance (279/59) on the basis of section 1 of the Motor vehicle (30.12.1993/1626), which means the traffic Insurance Act (279/59), are not considered: 1) the kind of power tool or a tractor, with a maximum design speed of not more than 15 miles per hour, provided that it is not to be registered;
2) cutting puimuria, or change the meaning of the vehicle registration regulation for harvesting (1703/92) according to the registration of the release of the farm economy and the magnitude of the machine;
3) released a trailer for the registration of, the sleighs or towed device; and 4) a child's carriage, which is equipped with a motor and that structure, or on behalf of the armor is not registerable.

(A) the vehicle registration 1703/1992 is repealed A 1598/1995. See L vehicle the law 233/2007.



section 2 (21.10.1983/801), section 2, is repealed by A 21.10.1983/801.


section 3 (24 March 1995/454), the insurance company may not refuse to grant and the force from maintaining so far fetched, if the insurance relates to a motor vehicle, for which the company has its licence or notification, as well as according to the rules laid down in their statutes, or has the right to provide the insurance.


3. (a) section (2.6.1995/838) the policyholder shall have the right at any time to terminate the insurance at insurance during the period. Irtisanomisoikeudesta the terms of the insurance contract and insurance can, however, agree that, in the case of group insurance, or if the vakuutuksenottajana is kind of a trader, which activities, taking into account the nature and scope of his business, as well as other circumstances which can be assimilated to a Contracting Party, the consumer is not an insurer.
The insurance must cancel in writing, and shall be accompanied by the certificate of the new irtisanomisilmoitukseen insurance. If terminated, subject to the registration obligation applies to the vehicle insurance policy, the dismissal shall be deemed to have been dissolved, however, unless within seven days of the expiry of the certificate of insurance have been submitted to the new insurance. The certificate must submit to the vehicle registration regulation (1598/1995), section 2, of the registration of the supplier referred to in paragraph (c), hereinafter referred to as the supplier of the registration. (12.2.1999/185)

(A) the vehicle registration 1703/1992 is repealed A 1598/1995. See L vehicle the law 233/2007.



section 3 (b) (24 March 1995/454) if the transport insurance of the insured vehicle as a result of the action the rest of the new owner moves right as the policyholder himself or if the registered owner is the sole owner of the vakuutuksenottajana control of the vehicle after his insurance, or is resumed, the damage shall be replaced by the also, that have occurred within seven days of the transition of ownership or control of the vehicle to the owner, unless the vehicle or returning to a new owner, or the owner is not taken within the time specified in the insurance policy.


Article 3 (c) (2.6.1995/838), unless the insurance company's responsibility starts with the specific date on which the parties have not agreed, then, when the insurance company or the policyholder is given or sent to accept the response of the other party of the contract offer. The starting point is not the responsibility of the insurance company may by agreement to move this forward.
If the policy holder is given or sent a written application for insurance, the insurance company and if it is obvious, that the insurance company would be accepted by the application, the insurance company is also responsible for an incident that occurred in the beginning of the application, or after you send the insurance event.
Accepting an application for insurance or the answer, which the policy holder is given or sent to the representative, the insurance company shall be deemed to have been lodged or sent to the insurance company.
Unless there is an explanation of what the time of day at the time of the response or the application has been lodged or sent, shall be deemed to have occurred in this midnight.


3 (d) of section (15.9.1995/1126) If you want to include in the group transport insurance the vehicle ownership or possession of the registered vehicle pass a declaration has been delivered to the policy-holder in the register of vehicle within seven days after the change takes place, the insurance company will not be liable in the subject at the end of the period. If the notice of change of vehicle in the register at a later date, the insurance company's responsibility starts with the review of the notification.


section 4 (14.12.1979/929) Insurance fee, which has not been made within the time period of interest, shall be charged to the Finance Act (633/82) in accordance with the interest rate referred to in paragraph 3, the annual rate of interest. (24 March 1995/454)
Ulosottotoimin to the collection of interest on arrears and the increase is to be used, what are the full details of the insurance payment is provided.


4. (a) section (24 March 1995/454), the insurance company must pay the insurance premium refund for the number of implied refusals rate provided for in article 4 of the law referred to the rate of annual interest. Interest will be paid after the month has passed since the arrival of a report refund entitlement to the company.


section 5 (24 March 1995/454) section 5 is repealed A 24 March 1995/454.


section 6 of the Act has been repealed A 24 March 1995/454.

Transport insurance companies are not allowed to operate in each other's agents.


section 7 (c 248/1603) Transport insurance in accordance with article 15 of the insurance shall be taken to register the major supplier of motor vehicles with regard to the registration of the certificate. (12.2.1999/185)
The Centre's Management Board shall, without delay, carry out vehicle relevant to the insurance company for the insurance agreement of cessation notice in the following cases: 1) when the vehicle is removed from the register;
2) when the owner of the vehicle or the owner to transfer their insurance with another company to issue a certificate of insurance from another company;
3) when the vehicle of a former owner or holder is made of the vehicle a notice, which shall be entered in the register;
change of the owner or holder of 4) when in the register for the notification shall be issued with a certificate of insurance.
The insurance company for the job announcement is significant in that in subparagraph (1), the information relating to the certificate of insurance and the basis of the change in the register and, in addition, (2) in the case referred to in paragraph 1, when the vehicle was removed from the register, as well as in the cases referred to in paragraphs 3 and 4, when the ownership of the vehicle moved to the new owner.
If a motor vehicle insurance policy for not been in force from the date of registration of the ownership of the vehicle at the time the supplier is sending the notification, if any, for specification of the vehicle insurance agency for all of the hyvikkeen. The Declaration is not, however, need to send, if the period of validity of the new insurance is started within seven days of the change of registered ownership. (12.2.1999/185)
If necessary, the insurance supervisory agency may issue more detailed provisions on the content of the certificate referred to in this article or notification. (12 March 1999/310) section 8 (30.12.1993/1626) When the traffic Insurance Act, section 15 (2) of the insurance referred to in the first sentence of the owner of the vehicle is not already taking velvollisella insurance insurance issued by the Agency, he has to take it through the border of the customs authority of the insurance as separately.
If the Motor City has made the international motor insurance card or a frontier insurance or other contract, according to which it corresponds to the country for temporary use of an imported motor vehicle damage caused by transport, the Agency shall submit to the insurance undertaking, that the transport insurance according to the law, is responsible for it without restriction for such a vehicle here caused by the accident, even if the period of validity of the contract is finished, before the vehicle will be exported from the country. The commitment must be conducted to find out the circumstances under which it can be concluded that the obligation to insure against such vehicle importer not. A copy of the insurance policy to the Board of the Centre shall be submitted to the customs of the commitment. (12 March 1999/310), section 8 (a) (30.12.1993/1626) the traffic Insurance Act, section 15, of the owner of a motor vehicle referred to in paragraph 2, the holder of the right to receive compensation for the damage suffered from the driver's person, and also applies to Norway and Sweden to be the transport of the motor vehicle insurance.


section 9 (30.12.1993/1626) caused by a motor vehicle owned by the State shall be represented in the State in matters of transport damage to the State Treasury. When the damage is small, however, and the authority having control over the vehicle, is the amount of money you can use for that purpose, the authority shall, if compensation is agreed, in replace of the injury.

2 – 5 articles repealed by A document on 23 October 2002/863.



section 10 (24 March 1995/454), the Ministry of Social Affairs and health's mission is to establish the general criteria, in which case, personal injury, or death as a result of the continuing to perform the role of the compensation to be paid liquidated damages and the criteria for calculating such compensation.


This Regulation shall enter into force on 1 January 1960.


The change of the date of entry into force of the acts and application: 12.11.1965/590: This Regulation shall enter into force on 1 January 1966.




19.1.1968/44:7.11.1969/680: this Regulation shall apply to the insurance premium on the criteria laid down in this regulation.





10.5.1974/356: This Regulation shall enter into force on 15 May 1974.




23.6.1977/500: This Regulation shall enter into force on 1 July 1977.




14.12.1979/929: This Regulation shall enter into force on 1 January 1980.




22.10.1982/762: This Regulation shall enter into force on 1 November 1982.




on 14 March 1986/241: This Regulation shall enter into force on 1 September 1986. The regulation does not, however, apply in the case of a refund of the insurance payment, or upon the entry into force of the regulation, which had been delayed.




30.12.1992/1666: This Regulation shall enter into force on 1 January 1993.




30.12.1993/1626: This Regulation shall enter into force on 1 January 1994.
Annex IX to the EEA Agreement: Council Directive (88/357/EEC) on 24 March 1995/454: This Regulation shall enter into force on 1 April 1995. Section 4 of this regulation, and (4) (a), however, enter into force on 1 May 1995.
Council Directive 92/49/EEC; OJ No l L 288, 11.8.1992, p. 1 2.6.1995/838: This Regulation shall enter into force on 1 July 1995.




15.9.1995/1126: This Regulation shall enter into force on 1 October 1995.




c 248/1603: This Regulation shall enter into force on 1 January 1996.




12.2.1999/185: This Regulation shall enter into force on 1 March 1999.




12 March 1999/310: This Regulation shall enter into force on 1 April 1999.




23.10.2002/863: This Regulation shall enter into force on 1 January 2003.