# Insured event

URL: https://insurancelawestonia.ee/tags/insured-event/
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 Insured event (37 pages): Estonian insurance law articles, guides and explanations.

A selection of pages on this site that deal with "Insured event".

- [Aggravation of risk under Estonian insurance law (VÕS §§ 443–447)](https://insurancelawestonia.ee/estonian-insurance-contract-law/aggravation-of-risk): 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](https://insurancelawestonia.ee/court-of-justice-eu/mtpl-vehicle-and-use-of-vehicles): 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](https://insurancelawestonia.ee/guides/claims-handling-practice-estonia): 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](https://insurancelawestonia.ee/guides/cyber-claims-estonia): Cyber incidents in Estonia: Cybersecurity Act (NIS2) duties, GDPR claims, ransomware payments and sanctions.
- [D&O insurance in Estonia: director liability after leaving office](https://insurancelawestonia.ee/blog/2026-09-29-d-and-o-insurance-estonia-director-liability): 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](https://insurancelawestonia.ee/guides/direct-action-liability-insurers-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](https://insurancelawestonia.ee/blog/2026-11-01-duty-of-care-proportionality-supreme-court): 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](https://insurancelawestonia.ee/estonian-insurance-contract-law/ending-the-contract): 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](https://insurancelawestonia.ee/supreme-court/indemnity-insurable-value-and-calculation): 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](https://insurancelawestonia.ee/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](https://insurancelawestonia.ee/supreme-court/liability-insurance-and-direct-claim): 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)](https://insurancelawestonia.ee/supreme-court/motor-third-party-liability): 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](https://insurancelawestonia.ee/supreme-court/insured-event-notification-and-proof): 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](https://insurancelawestonia.ee/supreme-court/safety-requirements-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](https://insurancelawestonia.ee/faq): 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](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.
- [Exclusions vs obligations in Estonian insurance law](https://insurancelawestonia.ee/estonian-insurance-contract-law/exclusions-vs-obligations): 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](https://insurancelawestonia.ee/services-for-insurers/liability-claims): 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)](https://insurancelawestonia.ee/glossary): 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](https://insurancelawestonia.ee/estonian-insurance-contract-law/insurable-interest-and-sums-insured): 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](https://insurancelawestonia.ee/estonian-insurance-contract-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](https://insurancelawestonia.ee/estonian-insurance-contract-law/premium): 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)](https://insurancelawestonia.ee/estonian-insurance-contract-law/liability-insurance-and-direct-action): 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](https://insurancelawestonia.ee/specialty-lines/handbook/risk-landscape): 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](https://insurancelawestonia.ee/guides/motor-claims-estonia-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](https://insurancelawestonia.ee/specialty-lines/handbook/notification-across-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](https://insurancelawestonia.ee/estonian-insurance-contract-law/notification-and-post-loss-duties): 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](https://insurancelawestonia.ee/guides/patient-insurance-estonia): 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](https://insurancelawestonia.ee/estonian-insurance-contract-law/pre-contractual-disclosure): 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](https://insurancelawestonia.ee/specialty-lines/handbook/claim-documentation-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](https://insurancelawestonia.ee/blog/2026-11-02-professional-indemnity-legal-professions): 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](https://insurancelawestonia.ee/guides/professional-indemnity-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](https://insurancelawestonia.ee/guides/reinsurance-estonia): 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](https://insurancelawestonia.ee/estonian-insurance-contract-law/safety-obligations-and-proportionality): 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](https://insurancelawestonia.ee/specialty-lines/handbook/first-24-72-hours): 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](https://insurancelawestonia.ee/specialty-lines/handbook/coverage-disputes): 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](https://insurancelawestonia.ee/blog/2026-11-01-vaccine-injury-insurance-estonia): How Estonia compensates vaccine injuries: product liability vs liability insurance vs public no-fault insurance. Medicinal Products Act Chapter 5¹ in 2026.