Distance sales

1. Distance sales of insurance productsChapter 6(a) of the Finnish Consumer Protection Act (38/1978) contains provisions on the vendor's obligation to provide information to consumer customers in the distance selling of insurance products.Distance selling of insurance products means the provision of insurance to consumers by means of a distance sales method that is organised by the vendor and which exclusively uses one or more means of distance communication for the purpose of entering into a contract and prior marketing.The distance sales method refers to a method of marketing or sales organised in such a way that its main objective can be considered to be to enter into a contract by means of distance communication.Distance communication means a telephone, mail, television, data network or other mode of communication that can be used to enter into a contract without the parties being physically present.This pre-contract information about the distance selling of insurance products applies to insurance products offered on the insurance company's website and by telephone.2. Underwriters

• In non-life insurance, the underwriter is Turva Mutual Insurance Company.
• In life insurance, the underwriter is LocalTapiola Mutual Life Insurance Company.

Turva Mutual Insurance Company
Business ID: 0211695-5
Järvensivuntie 3
FI-33100 Tampere
Switchboard: 01019 5110LocalTapiola Mutual Life Insurance Company
Business ID: 0201319-8
Revontulenkuja 1
FI-02010 LÄHITAPIOLA
Switchboard: 09 4531The insurance company is listed in the insurance quote and policy document sent to you.3. Public registersTurva Mutual Insurance Company is entered in the following public registers of the Business Information System (YTJ), a joint service of the Finnish Patent and Registration Office and the Tax Administration:

• Trade Register
• Basic information in the Tax AdministrationPrepayment register
• VAT register
• Register of employers
• Register of institutions liable to pay tax on insurance premiums

The underwriter, LocalTapiola Mutual Life Insurance Company, is entered in the following public registers of the Business Information System (YTJ), a joint service of the Finnish Patent and Registration Office and the Tax Administration:

• Trade Register
• Basic information in the Tax Administration
• Prepayment register
• VAT register
• Register of employers

4. Supervisory authorityThe authority supervising the activities of insurance companies is:Finnish Financial Supervisory Authority
Snellmaninkatu 6
PO Box 103, FI-00101 Helsinki
Switchboard: 09 183 51
kirjaamo(at)finanssivalvonta.fi5. Main features of the productsThe main content of each policy, as well as the scope of the coverage and information about the key exclusions from coverage can be found in the product guide, terms and conditions and insurance product information document available on our website. Please note that some of the materials are only available on the Finnish pages in Finnish.The insurance price calculator and the basis for determining the insurance premium, as well as information about payment terms, are available separately for each insurance product.You can view the above information on our website.6. Right of withdrawal