Aiming for a secure housing transaction?

Prerequisites for granting of the insurance

• A survey by Raksystems is required before taking out the insurance.
• A Humidity Survey by Raksystems is required in the case of an apartment in an apartment building.
• In the case of an apartment in a terraced house, a semi-detached house, a detached house or a detached house that is part of a housing company, a Housing Trade Condition Evaluation by Raksystems is required.
• The evaluation/survey must be performed a maximum of eight (8) months prior to the transaction date.
• The policyholder must be a natural person or an undivided death estate.
• The insurance is available for buildings with a floor area of a maximum of 350 m² (properties).
• The insurance is available for site with a floor area of a maximum of 350 m² (detached houses that are part of a housing company, semi-detached houses, apartments in a terraced house or apartments in an apartment building).
• The insurance cannot be taken out after the Purchaser has gained possession to the Object.

Insurer’s contact information

• The insurer is Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG
• In any matters pertaining to the insurance policy, please contact:
  Söderberg & Partners Kauppaturva customer service, on weekdays from 10 am to 2 pm, kauppaturva@soderbergpartners.com, tel. 040 7797 999.

Raksystems Kauppaturva

The insurer is Helvetia Schweizerische Versicherungsgesellschaft in Liechtenstein AG.

The insurance policy is granted by its agent, RSG Construction & Specialty AB, registration number 556686-1964 (Sweden), on the basis of an authorisation granted to the agent with agreement no. B1262BW0318320.

The insurance policies offered and the insurance business comply with the EU Freedom of Service Directive. The insurer is being supervised by the Swedish supervisory authority Finansinspektionen. Address: Brunnsgatan 3, SE-103 97 Stockholm, Sweden.

Kauppaturva prices

*Single dwelling and individual or semi-detached houses in a housing corporation where the insureds liability according to the articles of association is other than stated in the “Division of maintenance and repair liabilities in Housing Corporations”-table created by Suomen kiinteistöliitto

Applying for the insurance

• Please study the insurance terms and the survey report by Raksystems with care.
• The Housing Trade Condition Evaluation report (apartments in terraced houses/apartment buildings and detached houses that are part of a housing company and separate detached houses) or the Humidity Survey report (apartments in apartment buildings) may be a maximum of eight (8) months old at the time when the purchase agreement is signed. The purchase agreement is a written agreement on the selling of the site between the seller and the buyer.
• The insurance must always be taken out before the transfer of the right of possession.
• A copy of the Humidity Survey or Housing Trade Condition Evaluation report must be presented when applying for the insurance.
• InSure Group Oy is responsible for Kauppaturva’s customer service and issuing insurance policies from 1 January 2024. Van Ameyde Krogius continues as the insurance claims handler.
  • The transfer date of the right to possess the property or apartment is before December 31, 2023 – apply for insurance here
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  • The transfer date of the right to possess the property or apartment is after January 1, 2024 – apply for insurance here

Submitting a notification of claim

• A notification of claim must be submitted as soon as possible and at the latest one year after the date on which the insured become aware of the insured event and the damage caused. In any case, the notification of claim must be submitted within ten years of the neglect due to which the buyer has made a claim for damages.
• A claim notification report must be prepared without delay and sent to
• Cunningham Lindsey Nordic ApS
  C/o Oy Lars Krogius Ab
  Lintulahdenkatu 10
  FI-00500 Helsinki, Finland

Tel. +358 (0)9 4763 6300 or +358 (0) 40 920 7488
Email: vahingot@kauppaturvavahingot.fi

• The following must be enclosed with the report:
• A copy of the buyer’s claim for damages (if submitted in writing)
• A damage report, such as a copy of a loss assessment report
• A copy of the Housing Trade Condition Evaluation report
• Information on any other insurance policies covering the damage/claim
• Any other information and documents the insurer may require when processing the claim

We will update this page if the information changes.

Downloadable material

• Insurance Conditions, Flats and semi-detached version
• Insurance Single dwelling and individual or semi-detached houses in a housing corporation where the insureds liability according to the articles of association is other than stated in the “Division of maintenance and repair liabilities in Housing Corporations”-table created by Suomen kiinteistöliitto