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Car Rental in Finland

Below are the main terms which apply when renting a vehicle in Finland, though please refer to the relevant rental company’s website for the latest terms and conditions applicable. You should take careful note of the standard exclusions that apply. Please note that driving under the influence of any intoxicants will invalidate the insurance.

Here are the main terms which apply when renting a vehicle in Finland. If you have any questions, please do not hesitate to call us.


  • Rental of the car for the agreed period on an unlimited mileage basis
  • Loss Damage Waiver (LDW), Personal Accident Insurance (PAI) and Winter cover*
  • Finnish VAT (@ 24%)

* Winter rentals only

Not Included

  • Insurance policy upgrades (see below)
  • Fuel and oil
  • Additional driver charge may apply
  • Young driver charge if applicable
  • Driving penalties
  • Any additional extras such as a baby or child seat and luggage rack
  • Toll fees if applicable
  • One-way rental fees and out of office hours supplement
  • Delivery and collection of the vehicle charges
  • Refuelling charge
Speak to a specialist
Standard Insurance

All rentals include a standard insurance policy and include Loss Damage Waiver (LDW) and Personal Accident Insurance (PAI), plus Winter cover for winter rentals.

The LDW insurance waives liability in case of damage to the rental vehicle and the driver is only responsible for the excess charges. Excesses are charged locally in Euro.

Windshield & Tyre Insurance (WTI)
This is an additional extra you may be offered when collecting the vehicle

Super Collision Damage Waiver (SCDW)

When collecting the vehicle the car rental company will offer you to take an upgraded insurance policy in order to reduce the excess. This insurance also includes the windshield and tyre insurance (WTI). The charges vary depending on car category and rental company.

Insurance Policy Upgrade

You may consider taking an upgraded cover with Insurance4CarHire, which must be purchased before your departure from the UK. Please see details as follows. Take Advantage of an excess protection package from just £3.99 per day or an annual policy from £39.99.

How does Excess Reimbursement Insurance work?

Excess Reimbursement Insurance is a voluntary insurance, which is useful if there is an excess applicable to your car hire. The cover applies to the individual, so you are covered, even if you change the car hire company or the type of car that you have hired.It is designed to repay the excess or repair costs you have to pay under the terms of the rental agreement following damage to the rental vehicle. The reimbursement of the excess is subject to the exclusions detailed in the terms and conditions.

The policy can be bought up to 364 days in advance, right up to before you collect the rental vehicle.You can choose to buy either an Annual policy, which will provide cover for multiple hires throughout the period of cover, or a Daily policy which will provide cover specifically for the days that you request it.

What is covered

Key features and benefits include:

  • Excess on damage and theft up to £6,500 per year
  • Drivers aged 21 to 85 years old (inclusive)
  • Covers damage to the windows, undercarriage, roof, tyres and headlights not otherwise covered by damage waivers from car hire companies
  • Damage caused by using the wrong type of fuel: up to £500 per claim and £2,000 per year
  • You (the policyholder), plus up to seven additional drivers named on your rental agreement

What is not covered

Please be aware that for this policy is only valid for residents of the United Kingdom, Spain, France, Italy, Germany, Ireland, Sweden or the Netherlands. Coverage exclusions include:

  • Damage to the interior or contents of the car
  • Drivers must be aged between 21 and 85 years of age
  • Rentals contracts cannot be longer than 60 continuous days
  • Where damage is the result of driving off-road
  • If the market value of the Rental Vehicle exceeds £120,000

Full details of what is and isn’t covered can be found in the policy wording. The policy documents are available in English, Spanish, French, German, Italian, Swedish and Dutch. These can be found on the product description pages of the insurance4carhire website.

You can buy this insurance through the following link: or call 0844 892 1770.

Lakeland and Eastern Finland

from £2262
including flights
14 nights Jun-Sep
Get active in the heart of Finland's beautiful Lakeland region on this fly drive
  • Bear Watching
  • Self Drive