Yes, we've given our clubs instructions to ask for it if a foreign pilot shows up to their club.
It is not required by law, but all pg/hg pilots are members of the Finnish Aeronautical Association and we insure all pg/hg members up to 2 million FiM which is about 430.000 Euros.
None. Only students need a small accident coverage.
We advice pilots to become members of the FAA.