Vehicle%20registration%20in%20Finland%20%20Hanna%20Hakanen%20Head%20of%20Unit%20/%20Vehicle%20Registration%20Vehicle%20Administration

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Vehicle registration in FinlandHanna
HakanenHead of Unit / Vehicle RegistrationVehicl
e Administration

• International Motor Insurance Forum
• 8.-9.5.2008

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AKE operates as an agency of the Ministry of
Transport and Communications. AKE promotes
traffic safety and environmental awareness, and
offers vehicle traffic information services to
the general public, the authorities, and the
corporate sector. AKEs responsibilities
include the registration of vehicles and driving
licences, vehicle taxation, organising driving
examinations, and supervising driving schools and
inspection operations.
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Vehicle registration registration partners

• Act on registration services of vehicles
  (1100/98)
• AKE acquires the services from their providers
• Having partners promotes
• the availability of services
• the keeping the register real-time
• the reliability of the information
• Registration services add value to partners' own
  business
• Contract on registration services
• reliability, expertise, financial soundness
• Good administrative practise
• AKE and it's partners negotiate for compensation

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Registration partners

• AKE has 300 registration partners and they
  provide service in 1 000 offices all over Finland
• Inspection companies
• wide range of registration services
• the customer gets the registration certificate
  right away
• Insurance companies
• register the vehicles, which are insured at the
  company
• Car dealers and financing companies
• register the vehicles, which the company sells /
  buys
• ELV-actors
• ELV-vehicles' deregistrations
• Customs
• issues transfer permits

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Registration obligation

• Vehicles to be registered
• cars (passenger cars, vans, buses, trucks)
• mopeds, motorcycles, quadricycles, three-wheelers
• tractors and motor-driven working machines
• snowmobiles
• trailers.
• Also historic vehicles, vehicles owned/used by
  the police or state need to be registered.
• vehicles owned or kept by the state need not be
  insured
• The military has its own vehicle register
• All vehicles registered need to have traffic
  insurance
• Registration obligation does not apply to
• other cross-country vehicle than a snow mobile
• motor-driven working machine constructed or
  equipped for harvesting or road maintenance
• a trailer which is intended for coupling to a
  vehicle of category L, a tractor, a motor-driven
  working machine or a terrain vehicle
• a towed device.
• Vehicles that are used in closed areas only need
  not be registered

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Documents

• Documents required for first registration
• Certificate of registration inspection (used
  vehicle) or prior notification (new vehicle)
• Insurance (checked electronically from the
  storage of insurances)
• Paid taxes if not prior noticed (checked
  electronically from the customs)
• Clarification about the ownership if not prior
  noticed (from the last foreign owner)
• After the first registration the customer gets
  registration certificate (directly or by post,
  depending on the company registrering the
  vehicle) and the plates
• Number plates are connected to the vehicle, not
  owner
• No stickers used

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Time limits

• Registration notice shall be made within 7 days
  since the change has happened
• The vehicle is to be taken off the traffic since
  the date, when the notice has been left in
• The notification need not be made after the
  change of the name or address or the death of a
  natural person
• The insurance is to be taken within 7 days since
  the ownership has changed
• Registration system sends information to Finnish
  Motor insurers centre about the insurances which
  have been taken after the time-limit

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Insurance

• Valid insurance is one of the requirements for
  vehicle registration
• Insurance companies send information about valid
  insurances to an electronic storage of insurances
• Registration system checks that the vehicle is
  insured and saves the data in the register
• If the vehicle does not have valid insurance, the
  registration partner is able to sell a new
  insurance to the customer
• In some cases the old insurance can continue
• The traffic insurance is not time limited
• Excl. Insurance for export registration or
  transfer permit
• If the vehicle is registered but not in use in
  traffic
• the vehicle need to be insured (plates attached
  to the vehicle)
• the insurance contract expires (plates returned)
• If the vehicle is exported, stolen, damaged or
  deregistered, the insurance contract expires

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Some figures 2007

• Vehicle registrations 3 milj.
• ownership changes 1,5 milj.
• First registrations 300 000
• Registration plates 600 000
• Periodic inspections 2,2 milj.
• Fleet of vehicles 4,5 milj.

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Inspection companies Car dealers, financing
Insurance companies Financing companies The
Customs Test recipients Statistics Finland Elisa
(text messaging and telephone service) Fonecta
(telephone service) Zed (text messaging
service) Parking supervision Police Ministry of
Justice Tax administration County
government State Treasury Defence Forces Border
Guard Service Direct marketing resellers Informati
on resellers Members of the public and businesses
Data streams
AKE Vehicle Register e.g. prior
notifications registration inspection first
registrations ownership changes periodic
inspection thefts change of address deaths
Manufacturer/Manufacturer's Agent/Importer Inspect
ion companies Car dealers Insurance
companies Financing companies Customs Police Minis
try of Justice Population Register Centre
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Data streams between the Vehicle register and
insurance companies / Motor insurers Centre

• Changed data (file, daily)
• Data on exceeded time-limits (file, daily)
• Type approval -data (file, daily)
• Vehicle inquiries through Data Resellers
  (appl.-appl.)
• Vehicle inquiries (user interface)

• Valid insurances (appl.-appl., on-line)
• Vehicle registrations (user interface)
• Unpaid insurance premiums (file, daily)
• Off-road notifications for motorbikes (file,
  daily)

AKE Vehicle Register
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Reliable information

• The number of uninsured vehicles is 0,15
  (according to the Finnish Motor Insurers Centre)
• valid insurance is checked on vehicle
  registration
• if insurance not taken within 7 days after
  ownership change, system sends information
  automatically to the FMIC to collect the extra
  fee for uninsured period
• vehicles with unpaid insurance premiums cannot be
  inspected
• Only 1 of annual vehicle taxes are not paid
• it is forbidden to use a vehicle in traffic if
  taxes are unpaid, even if the ownership changes
• extra vehicle tax, min. 1 000 euros, if vehicle
  is been used during non-use -period
• Information in the register is up to date
• only 4,2 days delay between ownership change and
  registration notification
• because of the partners it is easy for a customer
  to make a registration notification

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Right to get information

• AKE has right to get information from authorities
  and other parties, eg.
• Population register centre deaths, changes of
  names and addresses
• Police stolen vehicles
• Customs paid import taxes
• Manufacturer/importer of the vehicle data on the
  approval of vehicles
• Inspection stations Vehicle inspections
• Companies carrying out vehicle registrations
  (under contract)
• Finnish Motor Insurers Centre and the insurance
  companies
• valid insurances
• failures to pay motor liability insurance
  premiums
• periods of non-use of vehicles

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The vehicle register is public

• Information is given in individual cases on the
  basis of the registration number or chassis
  number by phone, in writing, by sms or web
  service
• Disclosure of public information (also personal
  data) in electronic form
• to authorities
• to a person carrying out inspections
• to a person carrying out vehicle registrations
• to the Finnish Motor Insurers Centre and
  insurance companies for the purposes of managing
  motor liability insurances and the compensation
  system and maintaining the register of accidents
  in road traffic
• Disclosure of information for other purposes, eg.
• public opinion, market research or direct
  marketing
• statistical information, scientific research
• Data on a natural person may be disclosed when
  the activity is related to eg. road safety,
  vehicles or environmental nuisances caused by
  vehicle traffic.

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Thank you for your time!

• Vehicle Administration AKE
• www.ake.fi