A replacement car quickly during maintenance – Here’s how to ensure mobility with MABI’s 24/7 service

When your own car goes in for maintenance, daily life still requires a functional solution

When your car is stuck at the repair shop, the daily life of many Finns comes to a halt. Commuting to work, driving the kids to hobbies, and running everyday errands still need to get done even if your own vehicle is out of commission. A replacement car isn’t just a comfort feature; it’s an essential tool that keeps your daily routine going without any extra hassle. MABI (formerly Scandia Rent) understands this need with nearly 80 years of experience. We don’t just offer metal and tires, but the assurance that you’ll get where you need to go.

Our service network stretches from Hanko to Ivalo, which means a replacement car is nearby in almost all major towns and next to car dealerships. When you book a replacement car for the duration of your service, the goal is a seamless switch from driving your own car to taking the wheel of a rental. You can continue your day exactly where you left off, without having to rely on expensive taxi rides or complicated public transport routes that might not fit your schedule.

Scalable equipment for every need

A replacement car doesn’t have to be just an emergency solution. We have a wide selection of vehicles, from small city cars to spacious vans and minibuses. If your own car is in the shop and you temporarily need more towing capacity or cargo space, you can choose the model that best suits the situation. In 2026, flexibility is key: renting a car is available for exactly as long as your maintenance takes—whether it’s just a few hours or several weeks if the parts arrival is delayed.

Replacement car 24/7: How do you make sure you can get around even outside service hours?

Accidents and technical failures don’t keep track of time. They often happen late in the evening, on weekends, or in the middle of the night while traveling to a holiday destination. Traditional rental office hours don’t help in these situations. MABI’s 24/7 replacement car service is designed exactly for these critical moments. When your trip is suddenly interrupted, the priority is to get the driver and passengers back on the road safely with as little delay as possible.

Our emergency number is available every day of the year. In practice, this means that if your car is towed to the workshop outside office hours, we can quickly arrange a replacement car for you. This service is especially vital in winter conditions or over long distances, where being stranded can be not only frustrating but also a safety risk. We are ready to respond to situations across the whole of Finland, ensuring continuity of travel even up in Ivalo or out in the archipelago.

Speed is an advantage in unexpected situations

When you call the on-call service at our locations, our expert will assess the situation and make sure you get the right car close to where you are. Our digital booking systems and wide network of locations make it possible to keep the paperwork to a minimum. The main thing is getting the keys in hand and the car on the road. In many cases, our cooperation with roadside services and insurance companies speeds up the process even more, since information about the damage goes straight to us, and we can get the car ready to be picked up.

Frequently asked: Who pays for the replacement car and what does the insurance cover?

One of the most common questions about a replacement car relates to costs. Many drivers wonder whether the replacement car will come entirely out of their own pocket or if there is external funding for it. The answer largely depends on the insurance coverage and why the car is in for service. In 2026, insurance terms have become clearer, but there are still a few basic things everyone should know before picking up their car.

If it’s a car accident or some other traffic damage caused by the other party, the other party’s car insurance usually covers 94 percent of the rental car costs if you can prove you need a car (for example, for commuting or work). If it’s your own damage and your comprehensive insurance includes interruption coverage or a separate replacement car insurance, your insurance company will cover the costs according to your policy terms. You typically have to pay the deductible, but that’s a small price to keep your everyday life going.

Direct billing with insurance companies

MABI works closely with all insurance companies operating in Finland. We handle the billing directly with the insurance company, as long as we have the claim number and the billing approval provided by the insurance company. This takes away the need for the customer to worry about big one-time payments or managing receipts afterward.

It should be noted, however, that regular scheduled maintenance or replacing worn parts usually isn’t covered by insurance. In these cases, we offer very competitive rates for a loan car during service. Often, car dealerships also have their own agreements with us, which means you might be able to get a loan car at a special price while your car is being serviced. Before booking, it’s always a good idea to check your insurance coverage and any brand- or dealer-specific agreements so you know exactly how the costs are divided.

Small city car or spacious van? Choose the right tool for your maintenance time

Renting a car for a replacement vehicle doesn’t mean you have to settle for whatever ride is available. On the contrary, a maintenance period can be a perfect opportunity to choose a car that suits the specific needs of that day or week. MABI’s fleet is designed to match the diversity of everyday life in Finland: our selection covers everything from nimble city cars to heavy-duty moving vans.

If your service day happens to coincide with, say, a big shopping trip or transporting hobby equipment, you can opt for a more spacious station wagon or SUV. On the other hand, if it’s just downtown driving and parking in tight garages, a small and economical car is the easiest choice. Renting a car with us is flexible; the goal is for the replacement car to feel more like an upgrade than just a necessary evil.

Commercial vehicles and group trips

A regular car is not always enough. If your company’s van suddenly ends up at the repair shop in the middle of the busiest season, you need a replacement vehicle immediately. We offer vans in several different sizes:

• ✓Small vans (6–8 m³): Nimble and easy to move around in the city, perfect for service trips or transporting small amounts of goods.
• ✓Large vans and moving trucks (even 20 m³): When maximum space is needed. All our models can be driven with a regular B driving license, making renting easy for any driver.
• ✓Minibusses: If maintenance happens at the same time as a family party or the team trip, a nine-seater minibus saves the day.

By choosing the right size and type of car, you make sure that the work gets done and plans go through, even if your own car is out of action. Our experts are happy to help you figure out what size cargo space is enough for your specific needs.

Forget the paperwork – Here’s how to book a car with just a few clicks

In 2026, nobody wants to spend their time filling out complicated forms or waiting around. Car rental has gone digital in a way that makes booking a rental car as easy as ordering food to your door. MABI has polished its booking process to serve both busy business drivers and private customers who find themselves in sudden situations.

Booking starts by choosing a location. Since our network covers Finland widely, from Hanko to Ivalo, the nearest pick-up point is often just around the corner or right at the car dealership. You can rent a car through our online service, where you can see real-time availability and choose the car category you want, along with any extra accessories like child seats or a tow bar. Clarity is important to us: you see the final price and terms right away, with no hidden costs or vague extra fees.

Local entrepreneur, national force

Even though our booking system is top-notch and digital, there’s always a local entrepreneur behind it. This is the core strength of MABI (formerly Scandia Rent). When you make a booking, you know you’re dealing with someone who understands the local conditions and needs. If your plans change – maintenance takes longer than expected or you need to return the car to a different location – flexibility is built into the way we operate.

For our business customers, we offer customized corporate agreements that make recurring rentals and managing replacement cars even smoother. When your company has an active agreement, the booking process becomes even faster, and invoicing is handled automatically via e-invoice. We take care of the logistics so that you and your employees can focus on what really matters – running your business without interruptions.