# Insurance Activities Act

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

> A selection of pages on this site that deal with Insurance Activities Act (17 pages): Estonian insurance law articles, guides and explanations.

A selection of pages on this site that deal with "Insurance Activities Act".

- [Demands and needs: distributor liability and quasi-cover](https://insurancelawestonia.ee/blog/2026-11-01-insurance-needs-distributor-liability): Is there a principle of responsible insurance? KindlTS § 221, broker and agent liability and "quasi-cover" when the wrong policy is sold in Estonia.
- [EIOPA guidelines and Estonian insurance market self-regulation](https://insurancelawestonia.ee/legal-framework/eiopa-and-self-regulation): EIOPA guidelines on complaints, POG, governance and ICT; Estonian Insurance Association codes of good practice, insurance conciliation and arbitration rules.
- [EU insurance directives and their transposition in Estonia](https://insurancelawestonia.ee/legal-framework/eu-directives): Solvency II, 2025/1 and 2025/2, IDD, motor directive, distance financial services, product liability, unfair terms, NIS2, CSRD: Estonian transposition status.
- [Estonia bill 993 SE: broker agents, no-branch EEA insurers](https://insurancelawestonia.ee/blog/2026-11-03-draft-insurance-activities-act-amendments-broker-agents): Estonia's bill 993 SE would let brokers use agents, allow EEA insurers to operate permanently without a branch and change policy delivery rules.
- [Estonian Insurance Law in the EU Era and Motor Insurance History](https://insurancelawestonia.ee/history-of-insurance/eu-era-and-motor-insurance): VÕS 2002, EU accession, Solvency II and the 2015 Insurance Activities Act, the IDD, four Motor Insurance Acts.
- [Estonian insurance law update: Q1 2026](https://insurancelawestonia.ee/blog/2026-03-31-legislative-update-estonia-q1-2026): Estonian insurance regulation in Q1 2026: broker agents draft, genetic data ban in KindlTS, distance-marketing bill and a Supreme Court ruling on casco.
- [Estonian insurance law update: Q2 2026](https://insurancelawestonia.ee/blog/2026-06-30-legislative-update-estonia-q2-2026): Estonian insurance regulation in Q2 2026: distance-marketing rules adopted, insurer recovery and resolution bill in Parliament, KindlTS merger control.
- [Estonian insurance law update: Q3 2026](https://insurancelawestonia.ee/blog/2026-09-30-legislative-update-estonia-q3-2026): Estonian insurance regulation in Q3 2026: distance-marketing rules in force, broker agents bill 993 SE in Parliament.
- [Estonian insurance legal framework: statutes, regulations, EU law](https://insurancelawestonia.ee/legal-framework): Estonian and EU insurance legislation in one place for foreign insurers and brokers: statutes, regulations, directives, FSA guidance and EIOPA guidelines.
- [Estonian insurance regulations: reporting, motor, patient, vaccine](https://insurancelawestonia.ee/legal-framework/estonian-regulations): Government and ministerial regulations under Estonian insurance statutes: FSA reporting, motor register and rates, patient insurance, vaccine insurance.
- [Estonian insurance statutes: VÕS, KindlTS, LKindlS and more](https://insurancelawestonia.ee/legal-framework/estonian-statutes): Estonian statutes relevant to insurers and brokers, section by section: contract law, insurance activities, motor and patient insurance, compulsory PI covers.
- [Glossary of Estonian insurance law terms (English–Estonian)](https://insurancelawestonia.ee/glossary): Over 100 Estonian insurance law terms with English equivalents and explanations: policyholder, withdrawal, cancellation, subrogation, insured event.
- [History of Insurance and Insurance Law in Estonia and Europe](https://insurancelawestonia.ee/history-of-insurance): How insurance and insurance law developed from mutual aid and sea loans to Solvency II, the IDD and the current Estonian Law of Obligations Act. Overview.
- [Insurance distribution in Estonia: IDD rules for brokers, agents](https://insurancelawestonia.ee/guides/insurance-distribution-idd-estonia): IDD in Estonia: brokers, agents and ancillary agents, registration, PI cover, best interest, demands and needs, information duties, passporting.
- [Insurance regulation in Estonia: FSA, IDD and EEA passporting](https://insurancelawestonia.ee/services-for-insurers/regulatory-and-distribution): Finantsinspektsioon, EEA passporting for insurers and intermediaries, IDD conduct rules, distance sales and motor insurance entry.
- [Large risks under Estonian insurance law: VÕS § 427 and Rome I](https://insurancelawestonia.ee/estonian-insurance-contract-law/large-risks): When Estonian protective insurance rules do not apply: reinsurance, marine, aviation, credit and large commercial risks under VÕS § 427, Rome I.
- [Lines of insurance in Estonia: property, BI, liability and more](https://insurancelawestonia.ee/guides/lines-of-insurance-estonia): Estonian law on property, business interruption, employer's liability, credit and surety, legal expenses, machinery and travel insurance.