# Insurance broker and agent

URL: https://insurancelawestonia.ee/tags/insurance-distribution/
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 broker and agent (16 pages): Estonian insurance law articles, guides and explanations.

A selection of pages on this site that deal with "Insurance broker and agent".

- [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.
- [Distance insurance contracts and withdrawal in Estonia (2026)](https://insurancelawestonia.ee/estonian-insurance-contract-law/distance-contracts-and-withdrawal): The policyholder's right of withdrawal under VÕS § 433 and § 56 as amended from 1 September 2026: online sales, immediate cover, life insurance, costs.
- [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.
- [EU regulations for insurers in Estonia: Rome I, DORA, PRIIPs](https://insurancelawestonia.ee/legal-framework/eu-regulations): Directly applicable EU regulations in Estonian insurance: Rome I Art 7, Brussels I bis Arts 10–16, GDPR, DORA, PRIIPs, Solvency II/IDD rules, AI Act, sanctions.
- [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 FSA guidelines for insurers and insurance brokers](https://insurancelawestonia.ee/legal-framework/fsa-guidelines): Finantsinspektsioon advisory guidelines and letters on insurance distribution, complaints, claims handling, IT, AML and governance, with links and dates.
- [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 Supreme Court: insurance distribution and brokers](https://insurancelawestonia.ee/supreme-court/distribution-and-broker-liability): Estonian Supreme Court (Riigikohus) insurance case law: insurance distribution and broker liability. Summaries in English with links.
- [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: 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 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.
- [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 organisations in Estonia and internationally](https://insurancelawestonia.ee/organisations): Insurance organisations in Estonia and abroad: Financial Supervision Authority, Traffic Insurance Fund, insurers and brokers associations, EIOPA, AIDA.
- [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.