vakuutuksensa

Vakuutuksensa is a Finnish noun phrase meaning “its/their insurance” and is used to indicate ownership of an insurance policy by a subject. The form represents the third-person possessive, attached to the noun vakuutus (insurance). In Finnish, possessive suffixes attach directly to the end of a word, and the third-person suffix appears as -nsä or -nsa, with the exact spelling determined by vowel harmony and orthographic conventions.

Morphology and usage are straightforward for learners: vakuutus becomes vakuutuks-, and the suffix -nsä/-nsa marks that the insurance belongs to he, she, or it (or to a named entity such as a company). The word thus functions as a possessive determiner combined with the noun, and it can occur with proper nouns as the possessor, or with separate possessive pronouns preceding it. For example, Hänellä on vakuutuksensa voimassa translates to “Her/His insurance is valid.” Another example is Yrityksen vakuutuksensa kattaa omaisuusvahingot, meaning “The company’s insurance covers property damages.”

In a broader linguistic context, vakuutuksensa illustrates Finnish agglutinative morphology, where possessive marking is expressed through suffixation rather than separate possessive pronouns alone. The construction is common in formal and written Finnish, especially in discussions of insurance policies, claims, or contractual language.

See also: vakuutus, vakuutussopimus, vakuutuskustannukset.