Estonia
STATISTICS: ESTONIA 1H2025: decreasing motor insurance business dragged down the market results
Estonian insurers posted 1H2025 aggregate GWP worth EUR 342.45 million, slightly lower y-o-y, by 0.68%, according to the market figures published by the Estonian National Statistics Board. Total paid claims by local insurers also decreased y-o-y, to ~EUR 204.36 million (-1.6%).
2 October 2025ESTONIA: The Estonian Insurance Association and the Estonian Motor Insurance Fund have a new CEO
The new chairman of the board of the Estonian Insurance Association (EKsL) and the Estonian Motor Insurance Fund (LKF) is Tuuli Pärenson. The long-standing chairman of the board, Mart Jesse, stepped down on September 11, the press release said.
15 September 2025ESTONIA: The price of motor insurance in 1H goes down driven by a decrease in the number of traffic accidents
According to statistics from the Estonian Motor Insurance Fund (LKF), in the first half of this year, 15,800 motor insurance claims were registered in Estonia with a total loss of EUR 34.7 million, which is 9% less y-o-y.
2 September 2025ESTONIA: 75% of Estonians trust insurance
Three out of four Estonians, or 75%, trust insurance. Of those who had a claim in the past three years, 85% were satisfied with the solution, while 14% were dissatisfied, a study conducted by Turu-uuringute AS on behalf of the Estonian Insurance Association (EKsL) says.
11 August 2025ESTONIA: Employer health insurance benefits reached EUR 9 million in 1H2025
According to the Estonian Insurance Association (EKsL), in 1H2025, employer health insurance benefits totaling nearly EUR 9 million were paid, with 64,900 employees insured.
5 August 2025STATISTICS: ESTONIA Q1 2025: motor lines’ declining pushed the non-life business into stagnation
Estonian insurers posted aggregate business worth EUR 170.38 million in Q1 2025, a volume almost unchanged y-o-y, according to quarterly figures, published by the Estonian National Statistics Board.
26 June 2025ESTONIA: EKsL: Property insurance total loss from pipe leaks last year was the highest ever
According to the Estonian Insurance Association (EKsL), 9,100 property insurance claims caused by pipe leaks were paid last year, with the total loss being the highest ever, reaching EUR 23 million. As the Association said in its statement, pipe leaks accounted for 44% of all building property insurance losses.
21 May 2025ESTONIA: EKsL: the number of staged insurance fraud cases was the highest ever last year
According to the Estonian Insurance Association (EKsL), insurance investigators proved 561 insurance frauds committed last year, with attempts to defraud over EUR 2 million. The Association noted that the number of staged or intentionally provoked insurance cases was the highest ever last year - 160 cases with a total amount of EUR 800 thousand.
1 April 2025ESTONIA: EKsL: over 80% of Estonian homes are insured
According to the Estonian Insurance Association (EKsL), 472,000 home insurance contracts were concluded in Estonia last year. According to Ülli Reimets, head of loss prevention department at EKsL, over 80% of Estonian homes are insured.
10 March 2025ESTONIA: small insurance amounts lead to disputes over home insurance damage compensation
Last year, over 250,000 insurance cases occurred, and insurance dispute statements were submitted to the conciliation body for 505 of them. 227 statements were related to motor third party insurance and 89 – to home insurance, which is 13% more y-o-y.
3 March 2025STATISTICS: ESTONIA FY2024: stagnant life insurance business and a rather modest growth on the non-life insurance side
At the end of 2024, the insurance market of Estonia totaled EUR 685.43 million in terms of GWP, up by 7.36% y-o-y, according to the year-end market data published by the Estonian National Statistics Board.
3 March 2025ESTONIA: Estonian Insurance Association and Estonian Motor Insurance Fund to choose new CEO in September
Mart Jesse, the long-time chairman of the board of the Estonian Insurance Association (EKsL) and the Estonian Motor Insurance Fund (LKF), will step down in mid-September when his service contract expires. A public competition will be held to choose a new chairman of the board, the Association said.
24 February 2025ESTONIA: at the end of last year only 9% of employees had health insurance from their employers
According to statistics from the Estonian Insurance Association (EKsL), Estonian insurers reimbursed EUR 14 million in employer health insurance costs last year, which is a record amount since the introduction of the tax benefit for employers in 2018, the Association said.
10 February 2025ESTONIA: LKF: motor insurance claims last year caused a total loss of EUR 80 million
According to the Estonian Motor Insurance Fund (LKF), there were 33,700 motor insurance claims in Estonia last year, with a total loss of EUR 80 million. In addition, Estonian vehicles caused 2,400 traffic accidents abroad, with a total loss of EUR 10 million, LKF said.
4 February 2025ESTONIA: LKF: Only 15% of off-road vehicles and snow vehicles have road insurance
Starting last December 1, road insurance was extended to all-terrain vehicles, such as snow vehicles and TRVs registered as all-terrain vehicles. Today, however, only 15% of all-terrain vehicles have motor insurance. If a snow vehicle or other off-road vehicle is used, it must have road insurance, LKF wrote.
13 January 2025STATISTICS: ESTONIA, 3Q 2024: steady growth driven by the non-life segment
Estonian insurers posted 9M 2024 aggregate GWP worth EUR 508.06 million, 6.52% more y-o-y, according to the market figures published by the Estonian National Statistics Board. Total paid claims by local insurers remained almost on the same level as the previous year, to ~EUR 303.7 million.
14 November 2024ESTONIA: by December 1st all healthcare service providers must have liability insurance
The Healthcare Liability Insurance Act enters into force soon, and by the beginning of December all Estonian healthcare service providers must have a liability insurance contract. A few weeks ago, only PZU Insurance offered this type of insurance, and now international insurance brokers have also joined, err.ee writes.
28 October 2024ESTONIA: EKsL: Liability insurance is an important milestone in Estonian health care
According to Mart Jesse, chairman of the board of the Estonian Insurance Association (EKsL), mandatory liability insurance of health care providers, or patient insurance, is an important milestone in Estonian health care, which increases confidence of both health care workers and patients, the Association said.
24 October 2024ESTONIA: Almost half a million price comparisons have been made in the motor insurance online calculator
This year, over 450,000 motor insurance price comparisons have been made via online calculator of the Estonian Traffic Insurance Fund (LKF). As of July 1, 2024, 882,000 motor insurance contracts were valid in Estonia, with an average annual premium of EUR 151.
1 October 2024STATISTICS: ESTONIA, 1H2024: claims paid for non-life insurance increased almost at a double pace than GWP
Estonian insurers wrote gross premiums worth EUR 344.8 million in 1H 2024, by 8.16% more y-o-y. At the same time, paid claims increased by 5.46%, to EUR 207.72 million. The market portfolio’s structure remained largely unchanged, with only very small alterations of some LoBs’ weight.
9 September 2024
