Licensing and Insurance
- 1/30If you want to drive a moped in Finland
The minimum age for riding a moped under category M or AM is 15 years. This allows young riders to operate low-speed mopeds (max 45 km/h) after completing basic training.
If you want to ride a light motorcycle
Category A1 requires a minimum age of 16. It allows riding motorcycles up to 125cc and includes basic training and testing.
If you apply for a category A2 licence
The minimum age for category A2 is 18 years. This licence permits use of medium-powered motorcycles up to 35 kW, either directly or via upgrade from A1.
If you want to ride any motorcycle
Category A requires you to be 24 years old, or 20 if upgrading from A2. It allows full-power motorcycles without engine restrictions.
If you apply for a category M licence
Category M covers low-powered mopeds and quadricycles with limited speed. It is often the first step into powered two-wheeler driving.
When training for a moped or motorcycle licence
Before testing, you must complete both theory and practical training to learn traffic rules and vehicle control specific to your licence category.
Before obtaining a motorcycle licence
A driving test — including a written theory exam and on-road practical — is mandatory for each motorcycle category.
If applying for category AM (moped)
AM licence training includes essential manoeuvring skills and awareness of traffic, ensuring safe riding in urban settings.
When holding category T
Holding a T licence (for tractors) also includes the right to drive category M mopeds, unless otherwise restricted.
If applying for insurance for a motorcycle
All motorcycles and mopeds in Finland must be insured. It is illegal to ride without valid traffic insurance, even during training.
If you hold an AM licence
An AM licence allows operation of two- or three-wheel mopeds that do not exceed 45 km/h in speed. It’s a common entry-level licence for younger riders.
If you want to ride a moped without a licence
It is illegal to ride a moped in Finland without an AM or M licence. This ensures all riders meet minimum age and training standards.
If you hold an A1 licence
A1 licence holders are permitted to ride light motorcycles up to 125cc and 11 kW power, provided they meet the age and training requirements.
If you hold an A2 licence
The A2 licence allows operation of motorcycles that are moderately powered (maximum 35 kW), suitable for intermediate-level riders.
If you upgrade from A2 to A
Riders can upgrade from A2 to full category A after holding A2 for 2 years and completing additional training or testing.
If you complete advanced rider training
Completing approved rider safety training can lead to lower insurance rates, as insurers recognize improved rider competence.
If you fail the motorcycle theory test
Riders must wait a mandatory period before reattempting the theory test, allowing time to review and improve understanding.
If you fail the practical motorcycle test
Failing the practical test requires scheduling a new test and paying the retest fee, which includes a supervised on-road assessment.
If you are under 18 and applying for A1
Applicants under 18 must provide written parental or guardian consent before being issued a motorcycle licence in Finland.
If your moped or motorcycle is uninsured
Driving without valid insurance violates Finnish law and can result in heavy fines or impounding of the vehicle until coverage is restored.
If you want to renew your motorcycle licence
Motorcycle licence renewal in Finland requires proof of good vision and general medical fitness to ensure safe operation of two-wheeled vehicles.
If your motorcycle licence has expired
If your licence has been expired for a long period, reapplication may include passing theory and practical tests again.
If your moped licence is suspended
Riding during suspension is illegal and may result in extended penalties, fines, or criminal charges under Finnish law.
If a rider is caught without a helmet
Finland requires all riders and passengers on motorcycles or mopeds to wear helmets at all times. Violations result in fines.
If you buy a used motorcycle
It’s your responsibility to transfer registration and secure insurance before using the motorcycle on public roads.
If you apply for a learner’s permit for a motorcycle
A learner’s permit allows practice under supervision but only after completing required classroom and closed-course instruction.
If you ride with a foreign motorcycle licence
Foreign licence holders can ride in Finland temporarily, but after 2 years, conversion to a Finnish licence is required.
If you take a motorcycle safety course
Approved safety courses may reduce total training hours needed, depending on licence category and prior experience.
If your motorcycle is modified
Major technical changes to your motorcycle require an official inspection before it can be legally ridden again.
If you are involved in a motorcycle accident
Accidents involving injuries or significant damage must be officially reported, and insurance claims must follow Finnish procedure.