# Supervised theses

URL: https://insurancelawestonia.ee/supervised-theses/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)

> Master's and bachelor's theses on insurance and liability law supervised by Dr Olavi-Jüri Luik at the University of Tartu and other universities.

Since 2005, Dr Olavi-Jüri Luik has supervised or co-supervised master's and bachelor's theses in insurance law and the law of damages at the University of Tartu, Tallinn University of Technology (TalTech) and Tallinn University. The list below contains every thesis found in ETIS and in the universities' repositories, newest first. Co-supervisors are shown in brackets. Titles are in Estonian, followed by the English title recorded in ETIS or the repository.

## Master's theses

| Year | Author | Title | University | Supervisor(s) | Record |
|---|---|---|---|---|---|
| 2026 | Janno Luhaäär | Väärtuse vähenemise ja asendusauto kulude hüvitamine liikluskindlustuses (Compensation for depreciation and replacement vehicle costs under motor insurance) | University of Tartu | O.-J. Luik (A. Värv) | [DSpace](https://hdl.handle.net/10062/123166) |
| 2024 | Ingrid Rässa | Ravivead ja puudused informeeritud nõusolekus ilukirurgias (Malpractice and shortcomings of informed consent in cosmetic surgery) | University of Tartu | O.-J. Luik (A. Värv) | [DSpace](https://hdl.handle.net/10062/100251) |
| 2022 | Birgit Verbitski | Kindlustusväärtus ja kindlustussumma kui kindlustusandja täitmise kohustuse alused (Insurable value and sum insured as the basis of the insurer's performance obligation) | University of Tartu | O.-J. Luik (A. Värv) | [DSpace](https://hdl.handle.net/10062/83074) |
| 2022 | Kati Rohtla | Kindlustusmaakleri hoolsuskohustus kahjukindlustuslepingute vahendamisel (Duty of care of an insurance broker in mediating non-life insurance contracts) | Tallinn University | A. Kruuser, O.-J. Luik | [ETIS](https://www.etis.ee/Portal/Mentorships/Display/0ece7820-7686-4db2-80e4-1fc17518ff88) |
| 2020 | Kaido Kairjak | Kindlustusjuhtum vastutuskindlustuses (The insured event in liability insurance) | University of Tartu | O.-J. Luik (U. Volens) | [DSpace](https://hdl.handle.net/10062/68635) |
| 2020 | Kardo Karon | Liikluskindlustuse kindlustusandja mittevaralise kahju hüvitise alused ja ulatus tervisekahjustuse ja surma korral (Basis and scope of the motor insurer's compensation for non-pecuniary damage in cases of health injury and death) | University of Tartu | O.-J. Luik (A. Värv) | [DSpace](https://hdl.handle.net/10062/68497) |
| 2019 | Arvi Luhakooder | Ärikatkemise kindlustus kui finantsriskide kindlustus (Business interruption insurance as financial risks insurance) | University of Tartu | O.-J. Luik (P. Kalamees) | [DSpace](https://hdl.handle.net/10062/64841) |
| 2018 | Lisette Suik | Kindlustusandja vastutuse piirangud veosekindlustuses Eesti kindlustusandjate tüüptingimuste näitel (Restrictions on the insurer's duty of performance in cargo insurance on the basis of Estonian insurers' standard terms) | University of Tartu | O.-J. Luik (P. Kalamees) | [DSpace](https://hdl.handle.net/10062/60611) |
| 2017 | Maarja Hein | Vahetu nõudeõigus vastutuskindlustuses (Direct right of action in liability insurance) | University of Tartu | O.-J. Luik, V. Kõve | [DSpace](https://hdl.handle.net/10062/56459) |
| 2016 | Marilin Laud | Ohutusnõuded ja nende mittekohase järgimise õiguslikud tagajärjed varakindlustuses (The need for regulation of precautionary measures on the example of property insurance) | University of Tartu | O.-J. Luik (J. Lahe) | [DSpace](https://hdl.handle.net/10062/51838) |
| 2016 | Ingrid Erm-Eks | Ehitise taastamise nõue kodukindlustuslepingus ja hüpoteegi ulatus kindlustushüvitisele tarbijakrediidilepingus (The requirement of restoration of a structure in insurance contracts and extent of mortgage to insurance indemnity in consumer credit contracts) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/53512) |
| 2015 | Magnus-Peter Viilop | Äriühingu juhtorgani liikme vastutuse kui rahalise riski kindlustamine (Insuring directors' and officers' liability as a monetary risk) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/48180) |
| 2015 | Irina Meljduk | Kindlustusvõtja lepingueelne teavitamiskohustus varakindlustuses (The pre-contractual information duty of the policyholder in property insurance) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/48519) |
| 2014 | Grete-Maarja Stelmak | Tüüptingimuse kahjukindlustuslepingu osaks saamine (Standard terms deemed part of the non-life insurance contract) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/43011) |
| 2014 | Armin Allmäe | Erand diskrimineerimiskeelust kindlustusteenuse osutamisel (Exception to the prohibition of discrimination in the provision of insurance services) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/43119) |
| 2013 | Moonika Möller | Kindlustusriski suurenemine ja selle mõju kindlustusandja täitmiskohustusele (Aggravation of risk and its impact on the insurer's duty of performance) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/31482) |
| 2013 | Jaanus Põldmaa | Liikluskindlustuse isikukahju hüvitamise tasakaal erinevate kindlustussüsteemide vahel (Personal injury compensation balance between different insurance systems) | TalTech | O.-J. Luik, J. Aben | [ETIS](https://www.etis.ee/Portal/Mentorships/Display/260c923c-8820-4dc1-a408-d86e5b000e24) |
| 2012 | Merilin Kuusler | Vastastikune kindlustusselts kui alternatiiv kindlustusaktsiaseltsile (Mutual insurance company as an alternative to a public limited insurance company in Estonia) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/26643) |
| 2005 | Marge Aron-Vaino | Regress kahjukindlustuses (Insurer's right of recourse in non-life insurance) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/119551) |

## Bachelor's theses

| Year | Author | Title | University | Supervisor(s) | Record |
|---|---|---|---|---|---|
| 2015 | Renee Kokmann | Arsti veast tuleneva kahjuhüvitiste süsteemi loomise võimalused Eestis (The possibilities for creating a damage compensation system in Estonia for physicians' errors) | TalTech | O.-J. Luik, L. Roots | [TalTech digital collection](https://digikogu.taltech.ee/et/Item/72637f80-e68b-4a3f-98d9-9d3ce14049b7) |
| 2012 | Marilin Kaareste | Kindlustusvõtja lepingueelse teavitamiskohustuse rikkumise tagajärjed ehitise kindlustamisel (Consequences of breach of the policyholder's pre-contractual information duty in building insurance) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/119784) |
| 2011 | Pirgit Laanpuu | Hea usu põhimõte kahjukindlustuses (The principle of good faith in non-life insurance) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/120518) |
| 2011 | Vitali Galitskihh | Kahjukindlustuse kindlustusandja vastutus hüpoteegipidaja ees ehitise kindlustamisel Eesti ja Vene õiguses (The non-life insurer's liability towards the mortgagee in building insurance under Estonian and Russian law) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/120519) |
| 2010 | Merle Kollo | Reisikindlustus (Travel insurance) | University of Tartu | O.-J. Luik | [DSpace](https://hdl.handle.net/10062/124365) |

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*24 theses in total: 19 master's and 5 bachelor's theses. Sources: ETIS supervision records, University of Tartu DSpace and TalTech digital collection as at 2 November 2026. Where ETIS and the repository differ, the repository title is used. English titles of the bachelor's theses and of the Kairjak and Allmäe theses are translations for orientation.*