A selection of pages on this site that deal with "Insured event".
- Aggravation of risk under Estonian insurance law (VÕS §§ 443–447): Increase of the insured risk under VÕS §§ 443–447: subjective and objective aggravation, notice, release, causation, amendment.
- CJEU: vehicles and use of vehicles in motor insurance: 10 judgments of the Court of Justice of the EU on vehicles and use of vehicles in motor insurance: summaries, paragraphs and links.
- Claims handling practice in Estonia: a guide for TPAs: Practical guide for TPAs and claims handlers on Estonian files: timelines, documents, language, loss adjusters, interest, payments, data protection.
- Cyber claims in Estonia: NIS2, GDPR, ransomware and insurance: Cyber incidents in Estonia: Cybersecurity Act (NIS2) duties, GDPR claims, ransomware payments and sanctions.
- D&O insurance in Estonia: director liability after leaving office: Estonian director liability (ÄS § 187), reversed burden of proof, creditor claims, limitation and what D&O underwriters and claims teams should know.
- Direct action against liability insurers in Estonia: When can an injured party sue an Estonian or foreign liability insurer directly? VÕS §§ 517–525, motor insurance, Rome II art 18.
- Duty of care and proportionality: Supreme Court 2024–2026: Exclusion or duty of care? Estonian Supreme Court 2024–2026: insurers are released only to the extent a breach affected the loss, and must prove it.
- Ending an insurance contract in Estonia: nullity to cancellation: Nullity, avoidance, withdrawal, cancellation, release, reduction and absence of cover under Estonian law, explained by legal consequence and deadline.
- Estonian Supreme Court: insurable value and indemnity: Estonian Supreme Court (Riigikohus) case law on insurable value, under- and overinsurance and calculating the indemnity, in English.
- Estonian Supreme Court: intent, exclusions and scope of cover: Estonian Supreme Court (Riigikohus) on intent, gross negligence, exclusions and scope of cover: English summaries with links.
- Estonian Supreme Court: liability insurance and direct claims: Estonian Supreme Court (Riigikohus) on liability insurance and the injured party's direct claim: English summaries with links.
- Estonian Supreme Court: motor third-party liability (MTPL): Estonian Supreme Court (Riigikohus) insurance case law: compulsory motor third-party liability insurance. Summaries in English with links.
- Estonian Supreme Court: notification, proof and due date: Estonian Supreme Court (Riigikohus) case law on the insured event, notification, proof and when the indemnity falls due, in English.
- Estonian Supreme Court: safety obligations and proportionality: Estonian Supreme Court (Riigikohus) on safety requirements, duties of care and proportionality: English summaries with links.
- Estonian insurance law FAQ for insurers, brokers and TPAs: Answers to frequent questions on Estonian insurance law: applicable law, mandatory rules, disclosure, warranties, notice, declinations, limitation.
- Estonian insurance statutes: VÕS, KindlTS, LKindlS and more: Estonian statutes relevant to insurers and brokers, section by section: contract law, insurance activities, motor and patient insurance, compulsory PI covers.
- Exclusions vs obligations in Estonian insurance law: How Estonian courts distinguish a risk exclusion from a disguised obligation, why it matters under VÕS § 452 and § 42, and how to draft clauses that hold.
- General, professional and product liability claims in Estonia: Liability claims in Estonia for insurers: general, professional and product liability, direct claims under VÕS §§ 517 and 521, defence and coverage roles.
- Glossary of Estonian insurance law terms (English–Estonian): Over 100 Estonian insurance law terms with English equivalents and explanations: policyholder, withdrawal, cancellation, subrogation, insured event.
- Insurable interest, insurable value and sums insured in Estonia: Indemnity principle, insurable interest, insurable value, agreed value and reinstatement cost under VÕS §§ 476–480, with Supreme Court case law.
- Insurance law principles and theories: Eight principles of insurance law and 47 theories from foreign law and economics: country of origin, content, limits and relation to Estonian law.
- Insurance premium under Estonian law: first and later premiums: Premium rules in VÕS §§ 453–462: first premium, reminders for later premiums, release, cancellation, pro rata premium and premium adjustment.
- Liability insurance and direct action in Estonia (VÕS §§ 510–525): Estonian liability insurance rules: insured event, defence costs outside limits, notice within one week, consent to settle, injured party's rights.
- Modern risk landscape: cyber, fraud and management liability: Why property and liability cover no longer suffices in Estonia: digital dependence, social engineering fraud, NIS2 and board liability.
- Motor claims in Estonia: a guide for foreign insurers: Estonian MTPL for foreign insurers: Green Card, Council of Bureaux, the Estonian Traffic Insurance Fund, claims representatives, deadlines, recourse.
- Notification and claims strategy across several policies: When to notify, how to qualify the incident and how to claim in parallel under cyber, crime and D&O policies under Estonian law.
- Notification and post-loss duties under Estonian insurance law: Notice of loss, cooperation, information requests, mitigation, expert determination and the due date of the indemnity under VÕS §§ 448–451 and 488–491.
- Patient insurance in Estonia (TOKVS): guide for insurers: Compulsory liability insurance of healthcare providers in Estonia under TOKVS: insured event, sums insured, exclusions, claims procedure, conciliation.
- Pre-contractual disclosure in Estonian insurance law: The policyholder's duty of disclosure under VÕS §§ 440–442: material circumstances, questionnaires, withdrawal within one month, causation and fraud.
- Presenting a cyber, crime or D&O claim: documents and evidence: Evidence-based cyber, crime and D&O claims under Estonian law: documents, loss calculation, experts, advance payment and typical mistakes.
- Professional indemnity for Estonian lawyers and notaries: Compulsory PI for Estonian advocates, notaries, trustees and bailiffs: trigger, intentional loss, minimum limits and the 2025 Supreme Court ruling.
- Professional indemnity insurance and claims in Estonia: PI insurance in Estonia: compulsory cover for advocates and other professions, liability standards, claims-made triggers, defence costs, direct claims.
- Reinsurance law in Estonia: a guide for cedants and reinsurers: Reinsurance under Estonian law: KindlTS classification, freedom of contract under VÕS § 427, applicable law, follow-the-settlements.
- Safety obligations and proportionality in Estonian insurance law: How VÕS § 452 limits release for breach of safety obligations and conditions: fault, causation, proportional reduction.
- The first 24 to 72 hours after a cyber incident or fraud: Crisis management in the first hours: containment, the crisis team, whom to involve, NIS2, GDPR and insurance law deadlines and policy conditions.
- Typical coverage disputes in cyber, crime and D&O insurance: Direct and indirect loss, the notion of fraud, duties of care, intent as a narrow exclusion and pre-contractual disclosure under Estonian law.
- Vaccine injury insurance in Estonia: why a public no-fault scheme: How Estonia compensates vaccine injuries: product liability vs liability insurance vs public no-fault insurance. Medicinal Products Act Chapter 5¹ in 2026.