Edited: 20.02.2018 - 15:22
Discounts on insurance premiums
As Turva customers, PAM members receive a permanent 10% discount on continuous voluntary home, car and personal insurance cover from the first insurance period. As a Turva customer, members also receive an incremental owner-customer discount based on the length of the customer relationship. If you have been a customer for a year, the owner-customer discount is 5%. After five years of being an owner-customer, the customer discount rises to 7% and after ten years the discount is 10%. The owner-customer discount applies to all insurance cover, including motor insurance.
When you bundle your insurance cover with Turva, as a new customer you will receive the above 7% owner-customer discount straight away in addition to the union discount.
Insurance for trade union members from Turva
Trade union members and their families can benefit from special, competitively priced Union comprehensive motor vehicle insurance cover. It includes, amongst other things, bonus protection, meaning that subsequent collision damage does not reduce your bonus.
Turva also offers trade union members customised life insurance cover (‘Henkikulta’ and ‘Parikulta’).
Special promotion bonus for PAM members in 2018
From 1 January 2018 PAM members can benefit from a special discount on Turva home insurance cover. PAM members who take out household contents insurance in 2018 will receive a 30% discount on the first year’s premiums. This benefit applies to new Turva customers, but is not available online. This promotional offer is available until 31 December 2018.
Home contents insurance comes with another valuable benefit. Work and earnings-related equipment and accessories are insured up to 4500 euros. If home insurance includes liability insurance, it is also valid for work done outside of paid employment. Then, as an exception to the restriction conditions, liability insurance covers damage caused to the work object by the insured person. The maximum amount of compensation is 1700 euros per damage.
Benefits for the unemployed
Turva provides benefits for unemployed trade union members: If a trade union member’s building or personal property is damaged whilst unemployed, coverage is provided by home insurance with no basic deductible. The deductible benefit may be used once per customer/membership period and household and after notification of unemployment has been made to the unemployment fund. If necessary Turva also grants unemployed members six weeks’ interest-free extended payment time for insurance premiums.
More information on insurance cover and membership benefits from Turva customer service on 01019 5110, e-mail firstname.lastname@example.org or www.turva.fi/pam.
Travel insurance for employee representatives
PAM’s employee representatives are insured when travelling while off-duty. The insurance covers the union’s shop stewards, occupational safety representatives, occupational safety delegates and EWC delegates as well as their deputies. The insurance also covers family members aged under 15 (biological children or children living in the same household) when they are travelling with the above-mentioned insured individuals.