# Book: Insurance Law (Lahe and Luik, 2018)

URL: https://insurancelawestonia.ee/blog/2018-07-01-research-insurance-law-textbook/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)

> Janno Lahe and Olavi-Jüri Luik, Kindlustusõigus (Juura 2018): a systematic Estonian-language treatise on insurance contract law and regulation.

> **Book (in Estonian):** J. Lahe, O.-J. Luik, Kindlustusõigus (Insurance Law), Tallinn: Juura 2018 (272 pp.). [Publisher's page](https://paber.juuraveeb.ee/kindlustusoigus) · [ETIS record](https://www.etis.ee/Portal/Publications/Display/e569f63b-e1bf-49b6-a177-943b7d2342ec) (published 2018)

Authors: Janno Lahe and Olavi-Jüri Luik.

## About the book

Kindlustusõigus is an Estonian-language textbook covering Estonian insurance law systematically: the nature and history of insurance, the regulatory framework of insurance activity, and the general part and specific types of insurance contract under the Law of Obligations Act (võlaõigusseadus, VÕS). It is written for law students as well as practitioners, insurers and intermediaries.

## Why it matters for foreign readers

There is little English-language literature on Estonian insurance law. Many pages of this site build on the structure and positions of the book, rewritten and updated for an international audience.

## What has changed

Several rules have changed since 2018. The large-risk thresholds are now EUR 6.6 million (balance sheet) and EUR 13.6 million (net turnover) (in force 12 December 2022), withdrawal from distance insurance contracts changed on 1 September 2026, and the Motor Insurance Act was reformed in 2024. The book should therefore be read alongside the current [VÕS](https://www.riigiteataja.ee/akt/V%C3%95S) and [Insurance Activities Act](https://www.riigiteataja.ee/akt/KindlTS).

## Related pages

- [Estonian insurance contract law](https://insurancelawestonia.ee/estonian-insurance-contract-law)
- [Large risks under Estonian law](https://insurancelawestonia.ee/blog/2026-11-01-large-risks-thresholds-estonia)
- [Publications](https://insurancelawestonia.ee/publications)