VR Group: Insurances and related services, framework agreement

VR-Yhtymä Oyj / VR-Group Plc

VR-Group Plc (hereinafter also “VR” or the “contracting entity”) initiates this contract notice to establish a framework agreement for the procurement of insurance coverage and related insurance services for VR Group. VR Group consists of approximately 15 legal entities operating in Finland, Sweden and Latvia, employing more than 9,100 people. This procurement covers all legal entities under VR Group. The framework agreement may be used to procure various insurance lines, such as general and product liability insurance, property damage and business interruption insurance, cargo and transport-related insurance, statutory insurance lines and other insurance coverages relevant to the operations and risk profile of VR Group, as well as related insurance services including underwriting, policy administration and claims handling. A description of the procurement is provided in Appendix 2 – Description of the Procurement. Under the framework agreement, insurance coverages and related services will be procured through mini-competitions conducted among the suppliers admitted to the framework agreement. The scope, content and specific insurance coverages procured under the frame agreement may vary. As the insurance lines differ significantly in nature and pricing methodologies, price competition will take place in the mini‑competitions, and the framework agreement is therefore awarded solely on the basis of qualitative criteria. The framework agreement is planned to enter into force Q3/2026 and shall have an initial fixed term of three (3) years, after which the Customer may extend the Agreement with two (2) optional periods of one (1) year each (3 + 1 + 1 years). The first insurances are expected to be mini-competed in Q3/2026 and the first insurance periods to commence on 1 December 2026. This schedule is preliminary and may still change. In accordance with Section 45(2) of the Act on Procurement Contracts in the Utilities Sectors, the maximum total value of contracts awarded under this Framework Agreement during the entire contract period shall be EUR 30,000,000 (VAT 0%). Tenderers are requested to note that the value stated above does not constitute the estimated value of the procurement, but the statutory maximum value as referred to in the Act. The maximum value also includes possible option periods of the procurement. VR Group does not commit to any minimum purchase volumes. Actual resource needs may increase or decrease during the contract period based on business requirements, technological development, and the lifecycle of projects and systems. This procurement will be carried out using an open procedure. The Finnish Act on Procurements and Concession Contracts of Entities Operating in the Water and Energy Supply, Transport and Postal Services Sector (Act 1398/2016, “Act on Public Contracts in the Utilities Sector”) applies to this procurement. Tenders must meet all suitability requirements set out in this notice and its appendices.

Määräaika

Deadline 2026-06-26

Kuka?

• VR-Yhtymä Oyj / VR-Group Plc

Mitä?

• Vakuutus- ja eläkepalvelut › Vakuutuspalvelut

Missä?

• Helsinki-Uusimaa › Helsinki-Uusimaa

Hankintojen historia

Päivämäärä	Asiakirja
2026-05-27	hankintailmoitus

hankintailmoitus (2026-05-27)
Kohde
Hankinnan laajuus
Otsikko: VR Group: Insurances and related services, framework agreement
Viitenumero: 597440
Lyhyt kuvaus:

Lyhyt kuvaus

VR-Group Plc (hereinafter also “VR” or the “contracting entity”) initiates this contract notice to establish a framework agreement for the procurement of insurance coverage and related insurance services for VR Group. VR Group consists of approximately 15 legal entities operating in Finland, Sweden and Latvia, employing more than 9,100 people. This procurement covers all legal entities under VR Group.

The framework agreement may be used to procure various insurance lines, such as general and product liability insurance, property damage and business interruption insurance, cargo and transport-related insurance, statutory insurance lines and other insurance coverages relevant to the operations and risk profile of VR Group, as well as related insurance services including underwriting, policy administration and claims handling. A description of the procurement is provided in Appendix 2 – Description of the Procurement.

Under the framework agreement, insurance coverages and related services will be procured through mini-competitions conducted among the suppliers admitted to the framework agreement. The scope, content and specific insurance coverages procured under the frame agreement may vary. As the insurance lines differ significantly in nature and pricing methodologies, price competition will take place in the mini‑competitions, and the framework agreement is therefore awarded solely on the basis of qualitative criteria.

The framework agreement is planned to enter into force Q3/2026 and shall have an initial fixed term of three (3) years, after which the Customer may extend the Agreement with two (2) optional periods of one (1) year each (3 + 1 + 1 years). The first insurances are expected to be mini-competed in Q3/2026 and the first insurance periods to commence on 1 December 2026. This schedule is preliminary and may still change.

In accordance with Section 45(2) of the Act on Procurement Contracts in the Utilities Sectors, the maximum total value of contracts awarded under this Framework Agreement during the entire contract period shall be EUR 30,000,000 (VAT 0%). Tenderers are requested to note that the value stated above does not constitute the estimated value of the procurement, but the statutory maximum value as referred to in the Act. The maximum value also includes possible option periods of the procurement. VR Group does not commit to any minimum purchase volumes. Actual resource needs may increase or decrease during the contract period based on business requirements, technological development, and the lifecycle of projects and systems.

This procurement will be carried out using an open procedure. The Finnish Act on Procurements and Concession Contracts of Entities Operating in the Water and Energy Supply, Transport and Postal Services Sector (Act 1398/2016, “Act on Public Contracts in the Utilities Sector”) applies to this procurement. Tenders must meet all suitability requirements set out in this notice and its appendices.

Sopimustyyppi: Palvelut
Tuotteet/palvelut: Vakuutuspalvelut 📦
Suorituspaikkaa koskevat rajoitukset: Missä tahansa tietyn maan alueella
Kuvaus
Sisäinen tunniste: 597440
Tämä hankinta soveltuu myös pienille ja keskisuurille yrityksille (pk-yrityksille) ✅
Lisätietoja:

This procurement is made for all legal entities under VR Group, i.e. VR-Group Plc and all its group companies. Any future group entities established or acquired during the term of the framework agreement may also be covered under this procurement. For the sake of clarity, the specific entities to be covered by the procured services shall be specified in each mini‑competition and in the corresponding purchase agreement. This procurement is a joint procurement of VR-Group Plc and VR Snabbtåg Sverige AB (556923-4304) as referred to in Article 57 point 4 of the Utilities Directive (25/2014/EU), section 32 subsection 3 of the Finnish Act on Procurement Contracts in the Utilities Sectors (1398/2016) and chapter 7, sections 9, 12, 13 and 14 of the Swedish Act on Procurement in the Utilities Sectors (2016:1146). VR-Group Plc will conduct the procurement procedure on behalf of both VR-Group Plc and VR Snabbtåg Sverige AB. VR-Group Plc will be responsible for the entire procurement procedure including all stages of the procurement procedure and possible appeal and rectification procedures. All of these processes will be entirely conducted according to Finnish law according to applicable legislation. The Finnish Act on Procurement Contracts in the Utilities Sectors (1398/2016) is applied to the procurement. For the avoidance of doubt, the procurement is made for all legal entities under VR Group, i.e. VR-Group Plc and all its group companies. VR-Group Plc and VR Snabbtåg Sverige AB have been mentioned specifically here due to procurement law reasons, but the procurement as such coverers all legal entities under VR Group as described also elsewhere in the procurement notice documents.

Edistettävä sosiaalinen tavoite: Ihmisoikeuksia koskeva due diligence -velvoite maailmanlaajuisissa toimitusketjuissa
Maa: Suomi 🇫🇮
Kesto
Aloituspäivä: 2026-08-01 📅
Loppupäivä: 2031-07-31 📅
Kuvaus
Sopimuksen optiokausien enimmäismäärä: 2
Lisätietoja uusimisesta:

The Customer may extend the Agreement with two (2) optional periods of one (1) year each.

Myöntämisperusteet
Laatukriteeri (nimi): In the qualitative evaluation the assessment is based on scope, operating environment, regulatory context and level of complexity of a reference in relation to the subject matter of the procurement.
Laatukriteeri (painotus): 40
Otsikko
Erän tunnistenumero: LOT-0000

Menettely
Toimenpiteen tyyppi
Avoin menettely ✅
Oikeusperusta: Direktiivi 2014/25/EU
Menettelyn tärkeimmät piirteet:

The procurement procedure applied is an open procedure. If none of the tenders received complies with the Invitation to Tender, or if the circumstances during the tendering procedure change in such a way that VR cannot make use of the results of the tendering procedure, VR may suspend the procurement procedure in part or in its entirety. No compensation shall be paid to Tenderers for submitting a tender, presenting a tender, or otherwise participating in the procurement procedure. The contract notice and the tender documents are available in English. In the procedure the tenders are opened, the suitability of tenderers and the compliance of tenders are verified, and the tenders are evaluated. A contract award is communicated electronically to all tenderers, after which the contract enters into force upon signature of a written agreement. The tender must comply with the Invitation to Tender and its appendices and shall include all information requested for the assessment of Tenderers and tenders and for the comparison of tenders, in accordance with the instructions provided. Submission of alternative or variant tenders is not permitted. The Tenderer’s own contract terms shall not be attached to the tender and may lead to rejection of the tender.

Hallinnolliset tiedot
Tarjousten tai osallistumishakemusten vastaanottamisen määräaika: 2026-06-26 09:00:00 📅
Tarjousten avaamista koskevat ehdot: 2026-06-26 09:05:00 📅
Kielet, joilla tarjoukset tai osallistumishakemukset voidaan jättää: englanti 🗣️
Vähimmäisaika, jonka kuluessa tarjoajan on pidettävä tarjous voimassa: 6 kuukautta
Puitesopimusta tai dynaamista hankintajärjestelmää koskevat tiedot
Puitesopimus yhden toimijan kanssa ✅
Osallistujien enimmäismäärä: 12
Tarjouspyynnön ehdot
Tarjoaja voi jättää useamman kuin yhden tarjouksen
Tarjousten avaamisen päivämäärä: 2026-06-26 09:05:00 📅
Lisätietojen pyytämisen määräaika: 2026-06-08 12:00:00 📅
Myöntämisperusteet
Painotustyyppi: Painotus (pisteinä, tarkka)
Tarjouspyynnön ehdot
Sopimukseen sisältyy suoritusehtoja ✅

Oikeudelliset, taloudelliset, rahoitukselliset ja tekniset tiedot
Osallistumisehdot
Tärkeimmät rahoitusehdot ja maksujärjestelyt ja/tai viittaus niitä koskeviin säännöksiin:

The contract is financed from the contracting entity’s own budget. Payments will be made against approved invoices in accordance with the contract terms.

Sopimukseen liittyvät ehdot
Sopimuksen täytäntöönpanoehdot:

The conditions for performance of the contract are set out in the draft contract attached to the procurement documents.

Osallistumisehdot
Poissulkemisperuste:

Ammatin harjoittamiseen liittyvä vakava virhe

Ennenaikainen irtisanominen, vahingonkorvaukset tai muut vastaavat seuraamukset

Järjestelyt velkojien kanssa

+ 21 lisää

Kansallisesta lainsäädännöstä johtuva konkurssia tai muuta sellaista vastaava tilanne

Konkurssi

Korruptio

Lapsityövoima ja muut ihmiskaupan muodot

Liiketoiminta on keskeytetty

Maksukyvyttömyys

Petos

Puhtaasti kansallisten poissulkemisperusteiden nojalla asetettujen velvoitteiden rikkominen

Rahanpesu tai terrorismin rahoitus

Rikollisjärjestön toimintaan osallistuminen

Sosiaalilainsäädännön mukaisten velvoitteiden rikkominen

Sosiaaliturvamaksujen maksamiseen liittyvän velvoitteen rikkominen

Talouden toimijan hankintamenettelyyn osallistumisesta johtuvat eturistiriidat

Terrorismirikokset tai terroritoimintaan liittyvät rikokset

Toisten talouden toimijoiden kanssa kilpailun vääristämiseksi tehdyt sopimukset

Työlainsäädännön mukaisten velvoitteiden rikkominen

Varat selvitysmiehen hallinnassa

Verojen maksamiseen liittyvän velvoitteen rikkominen

Välitön tai välillinen osallistuminen tämän hankintamenettelyn valmisteluun

Väärien tietojen antaminen, tietojen salaaminen, vaadittujen asiakirjojen toimittamatta jättäminen tai tätä menettelyä koskevien luottamuksellisten tietojen saaminen

Ympäristölainsäädännön mukaisten velvoitteiden rikkominen

Kuvaus poissulkemisperusteista:

The economic operator itself or any person who is a member of its administrative, management or supervisory body or has powers of representation, decision or control therein has been the subject of a conviction by final judgment for…

… corruption, by a conviction rendered at the most five years ago or in which an exclusion period set out directly in the conviction continues to be applicable.

… fraud, by a conviction rendered at the most five years ago or in which an exclusion period set out directly in the conviction continues to be applicable.

… money laundering or terrorist financing, by a conviction rendered at the most five years ago or in which an exclusion period set out directly in the conviction continues to be applicable.

… participation in a criminal organisation, by a conviction rendered at the most five years ago or in which an exclusion period set out directly in the conviction continues to be applicable.

… terrorist offences or offences linked to terrorist activities, by a conviction rendered at the most five years ago or in which an exclusion period set out directly in the conviction continues to be applicable.

… child labour and other forms of trafficking in human beings, by a conviction rendered at the most five years ago or in which an exclusion period set out directly in the conviction continues to be applicable.

The economic operator has breached its obligations in the field of…

… environmental law.

… labour law.

… social law.

The economic operator has entered into agreements with other economic operators aimed at distorting competition.

The economic operator is guilty of grave professional misconduct.

The economic operator can confirm that: a) It has been guilty of serious misrepresentation in supplying the information required for the verification of the absence of grounds for exclusion or the fulfilment of the selection criteria, b) It has withheld such information, c) It has not been able, without delay, to submit the supporting documents required by a contracting authority or contracting entity, and d) It has undertaken to unduly influence the decision making process of the contracting authority or contracting entity, to obtain confidential information that may confer upon it undue advantages in the procurement procedure or to negligently provide misleading information that may have a material influence on decisions concerning exclusion, selection or award.

The economic operator is aware of any conflict of interest, as indicated in national law, the relevant notice or the procurement documents due to its participation in the procurement procedure.

The economic operator or an undertaking related to it has advised the contracting authority or contracting entity or otherwise been involved in the preparation of the procurement procedure.

The economic operator has experienced that a prior public contract, a prior contract with a contracting entity or a prior concession contract was terminated early, or that damages or other comparable sanctions were imposed in connection with that prior contract.

Any person who is a member of the economic operator’s administrative, management or supervisory body or has powers of representation, decision or control therein has been the subject of a conviction by final judgment for work safety offence, working hours offence, work discrimination, extortionate work discrimination, violation of the right to organise or unauthorised use of foreign labour.

The economic operator has breached its obligations relating to the payment…

… social security contributions, both in the country in which it is established and in Member State of the contracting authority or contracting entity if other than the country of establishment.

… of taxes, both in the country in which it is established and in Member State of the contracting authority or contracting entity if other than the country of establishment.

The business activities of the economic operator are suspended.

The economic operator is bankrupt.

The economic operator is in arrangement with creditors.

The economic operator is the subject of insolvency or winding-up.

The assets of the economic operator are being administered by a liquidator or by the court.

The economic operator is in any analogous situation like bankruptcy arising from a similar procedure under national laws and regulations.

Hankintaviranomainen
Nimi ja osoitteet
Nimi: VR-Yhtymä Oyj / VR-Group Plc
Kansallinen rekisterinumero: 1003521-5
Postiosoite: PL 488 (Radiokatu 3)
Postinumero: 00096
Postitoimipaikka: Helsinki
Alue: Helsinki-Uusimaa 🏙️
Maa: Suomi 🇫🇮
Yhteyspiste: Procurement unit
Sähköposti: info.procurement@vr.fi 📧
Puhelin: +358 294343 📞
URL: http://www.vrgroup.fi 🌏
Hankintaviranomaisen tyyppi
Julkisoikeudellinen yhteisö
Päätoimi
Rautatiepalvelut
Viestintä
Asiakirjojen URL-osoite: https://tarjouspalvelu.fi/vryhtymaoy?id=597440&tpk=a1abea9c-c874-48b5-8185-68b16e19a356 🌏
Osallistumisen URL-osoite: https://tarjouspalvelu.fi/vryhtymaoy?id=597440&tpk=a1abea9c-c874-48b5-8185-68b16e19a356 🌏
Tarjouksen/hakemuksen jättäminen sähköisesti: Pakollinen

Täydentävät tiedot
Lisätietoja

Arvostelurunko
Nimi: Markkinaoikeus
Kansallinen rekisterinumero: 3006157-6
Postiosoite: Radanrakentajantie 5
Postinumero: 00520
Postitoimipaikka: Helsinki
Alue: Helsinki-Uusimaa 🏙️
Maa: Suomi 🇫🇮
Yhteyspiste: Markkinaoikeus
Sähköposti: markkinaoikeus@oikeus.fi 📧
Puhelin: +358 295643300 📞
URL: http://www.oikeus.fi/markkinaoikeus 🌏
Palvelu, josta voi saada tietoja uudelleentarkastelumenettelystä
Sama kuin: Arvostelurunko
Lähde: OJS 2026/S 102-369234 (2026-05-27)

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