Foreign reinsurers can operate freely in the Finnish market. Windstorms do occur but there is no recurrent pattern. UK Loss of Profits most common. Available but check for restrictions. Local form which can include Business Interruption and Machinery Breakdown.
Gradual pollution is insurable after a survey.
Occurrence forms are available but most policies are written on a Claims Made form. Coverage applies to Insured and any individual driving with the Insured's permission. Passengers are deemed to be Third Parties. Each vehicle is required to have an individual policy. No claims bonuses are available.