liikennevakuutustodistus

liikennevakuutustodistus is a Finnish term for a vehicle insurance certificate, officially known as "liikennevakuutusasiakirja". It serves as proof of the owner’s compliance with the Finnish requirement that all motor vehicles on public roads maintain a minimum level of compulsory insurance. The certificate must be carried in the vehicle at all times and presented to authorities upon request, such as during traffic police checks or when encountering a traffic incident.

The document contains key information such as the policyholder’s name and address, the vehicle’s registration number, insurance coverage limits, type of vehicle, and the period of validity. In addition, it indicates whether the policy is active or has lapsed. The certificate is issued by licensed insurers once the payment of the insurance premium has been confirmed. In practice, insurers provide the certificate either electronically through a secure digital platform or in paper form, depending on the policyholder’s preferences.

Purchasing a liikennevakuutustodistus is mandatory for all drivers. The Finnish Transport Safety Agency (Trafi) regulates the minimum coverage limits, while private insurers offer additional optional coverages such as third‑party liability, accidental damage, and personal injury. Renewal of the certificate typically coincides with the expiry date listed on the certificate; failure to renew or failure to carry the certificate while driving can result in fines, vehicle impoundment, and potential suspension of driving privileges.