Estonia
ESTONIA: Insurance fraud on the rise: last year fraud cases increased by a quarter
According to the Estonian Insurance Association (EKsL), insurance investigators confirmed 705 insurance frauds in 2025, which involved attempts to defraud insurance companies for a total of EUR 2.7 million.
3 March 2026STATISTICS: ESTONIA FY2025: slightly negative trend driven by motor insurance lines
At the end of 2025, the insurance market of Estonia totaled EUR 680.81 million in terms of GWP, down by 0.6% y-o-y, according to the year-end market data published by the Estonian National Statistics Board.
19 February 2026ESTONIA: In 2025, 6 out of 10 insurance disputes were resolved through mediation
In 2025, 527 conciliation applications were submitted to the insurance settlement, which is the largest number in the entire period of operation of the conciliation body. In 2024, 505 applications were submitted, and in 2023, 440 applications, according to the Estonian Association of Insurance Companies (EKsL).
18 February 2026ESTONIA: MTPL paid claims totaled EUR 87 million in 2025
Last year, insurers in Estonia compensated nearly 32,000 MTPL claims, totaling EUR 87 million. Overall, the number of MTPL claims decreased by approximately 4% compared to 2024, and the total amount of payments decreased by approximately 7%, according to the Estonian Motor Insurance Fund (LKF).
26 January 2026Estonian Insurance Association: Employees need more health insurance
The Estonian Insurance Companies Association (EKsL) has approached the government with a proposal to increase the tax-free limit for expenses incurred to promote employee health to EUR 1,200 per year per employee in order to support the early detection of health problems and reduce people's out-of-pocket costs for covering health expenses.
15 January 2026STATISTICS: ESTONIA, 3Q 2025: negative change in non-life insurance, driven by motor insurance
Estonian insurers posted 9M 2025 aggregate GWP worth EUR 503.88 million, by almost 1% less 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 302 million.
18 December 2025ESTONIA: The tax benefit limit doesn’t allow for adequate health insurance coverage
In Estonia, 10% of employees have employer health insurance, at that the share of employer health insurance in total market premiums is 2%.
25 November 2025ESTONIA: The need for life insurance is growing as fewer families can cope with loss of income
The economic situation of Estonian residents in the event of a loss of income has deteriorated significantly in recent years, research data from the Estonian Insurance Association (EKsL) and Turu-uuringute AS show.
25 November 2025ESTONIA: Introduction of mandatory liability insurance for healthcare providers wins the Insurance Act of the Year competition
The winner of the Insurance Act of the Year competition organized by the Estonian Insurance Association (EKsL) was PZU Kindlustus, which was the only insurance provider to introduce mandatory liability insurance for healthcare providers to the market last December, the Association said on its website.
10 November 2025STATISTICS: 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 2025
