Driver’s guide for Secto Automotive`s company car users

When a company car managed by Secto is delivered, the driver’s guide is sent via email to the user. This guide includes the most important information`s about your vehicle, how to use it, and instructions for maintenance and tire service providers. If the driver’s guide hasn’t reached you or you’ve lost it, you can request a new copy from our customer service:asiakaspalvelu@secto.fi or 020 792 4300.

The car dealership that delivered your vehicle is the most qualified party to answer questions related to the car’s technical specifications. Please contact the dealership directly or reach out to an authorized repair shop for your car brand. If you need contact details, our maintenance team is happy to assist. You can reach them via Secto’s customer service asiakaspalvelu@secto.fi or 020 792 4300.

To maintain your vehicle’s value, reliability, and warranty, it is important to have it serviced regularly according to the owner's manual at an authorized brand service center. If your vehicle does not notify you of upcoming services, please remember to track the schedule yourself to ensure timely maintenance.

By informing the service personnel that your vehicle is a Secto leasing car, all maintenance and replacement vehicle services will be handled smoothly at authorized service centers throughout Finland. Invoices are sent directly to Secto’s maintenance team for review, approval, and payment.

If your vehicle experiences technical issues, please contact an authorized brand service center. The service personnel will consult with Secto’s maintenance team to determine the appropriate course of action for any necessary repairs.

Our open and traditional maintenance leasing agreements always include: scheduled maintenance, windshield wiper replacements, and repairs due to normal wear and tear.

Finance leasing agreements do not include maintenance services.

Our main partner for tire-related services are Vianor service centers, which handle billing directly through Secto. You are free to choose the location that best suits you. Note: In the Helsinki metropolitan area, delivery is currently available only to the Juvanmalmi, Herttoniemi, and Suutarila locations.

Tire replacements due to damage or misuse are not included in the leasing agreement.

You can check the contract details at the end of the guide you received to see whether seasonal tire changes and storage are included in your agreement.

Depending on the customer’s contract, it is possible to receive a replacement car during scheduled maintenance, either free of charge or at Secto’s contract rates. You can check this in the contract details at the end of the guide provided to you.

Our partner for replacement cars is Europcar, phone: 040 3062 520. In cases of collision or damage repairs, our contract rates are available to our customers.

In traffic accidents where the damage is covered by the insurance company of the other party, the replacement car may be reimbursed through their insurance. In such cases, you must prove that the car is needed for work purposes during the repair period. To do this, you must fill out a statement of need. The completed statement must be submitted to the insurance company.

If another party is involved in the accident, please fill out the accident report at the scene and ask the other party to sign it. Try to gather witnesses to support the event.

Submit the accident report directly to your insurance company. If your vehicle is covered by Secto Insurance, file the report via LähiTapiola’s online service. You can also handle accident matters by phone: +358 19 222 3310. If needed, you can request your insurance company’s contact details from Secto`s customer service.

Always contact the police if: the accident results in personal injury, liability is unclear or the accident involves a deer, moose, or reindeer.

The insurance company of the liable party covers the repair costs of the innocent party’s vehicle.

In traffic accidents where the other party’s insurance covers the damage, a replacement car may also be reimbursed. To qualify, you must prove that the vehicle is needed for work purposes during the repair period. This requires completing a Statement of Need. The completed form must be submitted to the insurance company.

Even in cases where only your vehicle is damaged, you must immediately file an accident report.

For collision repairs and windshield replacements, our partners are: Incar Oy and Vianor Oy. For glass damage, additional partners include: Autoklinikka and GlassDrive.

In case of an accident or if the journey is interrupted for other reasons, Secto Road Service is available 24/7 at 020 792 4311. If the issue cannot be resolved over the phone, a roadside assistance professional will be dispatched to help on-site.

Secto Road Service is generally free of charge for the customer. The costs of the service are directed to the customer’s insurance company or covered under the vehicle brand’s mobility guarantee. If it is determined that neither party covers the costs arising from the fault/damage, the service costs will be invoiced to the customer.

Secto Automotive acts as a part-time insurance processor for car insurance. The supervisory authority is the Financial Supervisory Authority. You can obtain your insurance company's contact information and deductibles from your company's car policyholder or from our customer service. The contents and insurance terms of insurance policies other than those issued by Secto are best checked directly from the insurance company or from your company's car policyholder. Please familiarize yourself with the scope and deductibles of your car insurance in advance.

Secto Insurance content and deductibles:

Secto Insurance's insurance terms and conditions can be found in a summary on the LähiTapiola website: Motor vehicle insurance terms and conditions

Motor vehicle insurance terms and conditions Finland

Motor vehicle insurance terms and conditions Sweden

Comprehensive insurance terms and conditions Finland

Full comprehensive insurance terms and conditions Sweden

A few things worth noting:

When going abroad, you must apply for an export authorization for the car through Secto's customer service. A Green Card (certificate of validity of international motor vehicle insurance) is also recommended. Outside the EU and EEA countries, it is mandatory. In the event of damage occurring abroad, the deductible is doubled. Secto Motor Liability Insurance is not valid in Russia.

Coverage and basic deductiblesCollision, 500 euros

• Deer damage, 500 euros

• Vandalism, 500 euros

• Fire, 500 euros

• Theft, 500 euros

• Car service, 0 euros (towing service)

• Legal insurance, 15% of expenses, minimum 300 euros.

The most convenient way to report a damage to Secto Insurance is on the LocalTapiola website. The telephone number for the service is 019 222 3310.

As a Secto Glass Protection customer, the policy covers vehicle window glass if it breaks due to a direct external impact. Window glass refers to the windshield, door windows, side windows, rear window, and roof glass. Headlight units are not covered under the glass protection.

Please note that starting from June 1, 2024, any potential glass replacements can only be handled through Secto Glass Protection.

Our partners for glass damage services include Incar, Autoklinikka, Vianor, and GlassDrive. Glass repair is free of charge, provided it is carried out by one of Secto’s partners.

If the windshield is replaced by one of Secto’s official partners, the customer’s share of the cost is €250 (incl. VAT) per replacement. If the replacement is done by another provider, the customer’s share is €400 (incl. VAT) per replacement. Glass repair is free of charge, regardless of the service provider.

Exclusions – Damage Not Covered by Secto Glass Protection:

• Vandalism, collisions, driving off the road, or vehicle rollover

• Damage caused by vehicle parts, accessories, or equipment to the vehicle itself

• Damage caused by cargo inside the vehicle

• Nuclear damage as defined in the Nuclear Liability Act, regardless of where it occurred

• War, rebellion, revolution, or similar events

• Incidents covered by the importer’s or seller’s warranty or liability

Service Provider & Claims Process

Secto Glass Protection is provided by Secto Automotive Oy. No damage report is required for broken glass. Secto Insurance continues to be provided by the LähiTapiola Group.

You may cancel Secto Glass Protection mid-term by contacting customer service at asiakaspalvelu@secto.fi or calling 020 792 4300. The protection will be terminated at the end of the following month. Retroactive cancellation is not possible.

Please note that the lessee is responsible for paying taxes and fees on the car, such as annual vehicle tax and any fuel tax. It is the user's responsibility to have the car or van inspected in the fourth year after it has been put into service. After this, the inspection must be carried out no later than two years after the previous inspection. Our inspection partner is A-Katsastus. Invoicing for cars inspected by A-Katsastus is sent directly to Secto.

Book an appointment for an inspection here.

As the user of the car, you are responsible for the condition and cleanliness of your car. Please ensure that maintenance and inspections are carried out on time and that any defects are repaired quickly. The maintenance book must be kept in the car and kept up to date. The technical part of the registration certificate must also be kept in the car, if one has been delivered with the car.

Please ask your employer for approval if you are going on a trip abroad with your leased car. If you are traveling outside the Nordic countries, you will also need an export authorization.

You can order an export authorization by email from our customer service or conveniently via the chatbot in the bottom right corner. Please indicate the destination country and departure date when ordering an export authorization by email. It is a good idea to order the authorization no later than two weeks before the planned trip. We charge a fee according to our service price list for the export authorization. The validity period of an export authorization is on average about 6 months, depending on, among other things, the length of the leasing agreement.

Export authorizations are currently not issued to Russia.

Remember to also check the adequacy of your insurance coverage abroad. Your insurance company will provide you with a Green Card, which is a certificate of the validity of international motor insurance. It is recommended for all trips abroad, but is necessary in some countries. A Green Card is not required for the Nordic countries and Estonia.

The technical part of the registration certificate must also be included abroad. With the introduction of the electronic registration certificate, new cars will no longer automatically be supplied with a paper registration certificate. For trips abroad, you can apply for a certificate from a vehicle inspection office.

If the user of the company car changes during the contract period, we ask you to send the car's registration number and the new user's name, telephone number, address and personal security number to our customer service, asiakaspalvelu@secto.fi. The new user's personal security number is needed for the car's change of ownership registration.

At the end of the contract period, the car will be returned to a pre-arranged location for a return inspection. Instructions for return can be found here. Any defects and faults detected will be repaired and if the faults are not due to normal wear and tear or are due to negligence, the costs will be charged to the customer company. Our sales team will contact you with more detailed instructions approximately one month before the end of the contract. The car must include all the car equipment and accessories that were in the car when you received it. Remember to also return all the car keys and charging cables. Missing equipment will be invoiced afterwards.

Return guide for leasing cars (In finnish)

Return guide for leasing van`s (In finnish)

Please refer to your car's manual, where you can see, for example, what your car's recommended daily charging limit is. In general, it is not recommended to charge electric cars 100% every day, because it will eat up the total capacity of the car's battery in the long term.

Your car likes slow charging, so it is a good idea to always keep the car connected to a home charging station, for example, when the car is not being driven.

If your car has an app, it is a good idea to use it. Most electric cars can schedule the heating in the cabin. By preheating the car, the car uses the electricity used for heating from the cable if possible, if the car is charging.

Most cars require updates, just like computers. Your car will notify you when the latest update is available. The car is always out of use during the update, so please take this into account. Updates usually take about 2-30 minutes. And updates are often OTA (Over the air).

A fully electric car most often uses energy recovery when braking an electric car, which means that the actual brakes are not used and they become in poor condition. We therefore recommend that you regularly apply hard braking in an electric car in safe places so that the brakes are always in good working order.

Please familiarize yourself with the features of your car carefully so that you can get the most out of it. If you have any questions about the features of your car, please contact your car dealer who handed over your car. They will provide you with the best assistance.

If you live or do business in Helsinki, you can apply for a parking benefit for low-emission cars from the City of Helsinki. Discount on parking fees for low-emission cars | City of Helsinki

If you live or do business in Espoo, you can apply for a parking benefit for low-emission cars from the City of Espoo. Discount on parking fees for low-emission cars City of Espoo.

At Latauskartta.fi you will see the most comprehensive overview of public charging points.

If you are going on a longer trip, it is a good idea to plan your route in advance with regarding to stops and to find out in advance whether your destination has the possibility of charging your car. It is also recommended to make sure that you have payment methods (applications/charging tags) that work with these charging stations.

A good tool for planning your route is the A better routeplanner ABRP application. It is also worth checking that you have the car's charging cables with you just in case. It is worth driving to a fast charging station when your electric car has about 10-30% of range left and charging as much as you need. Usually, after 80%, charging slows down significantly.

If your car has battery preheating, it is definitely worth using it. Preheating prepares the battery to the optimal temperature so that you can get electricity as efficiently as possible at the charging station.