# Premium URL: https://insurancelawestonia.ee/tags/premium/ 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 Premium (21 pages): Estonian insurance law articles, guides and explanations. A selection of pages on this site that deal with "Premium". - [CJEU: cross-border claims and guarantee bodies](https://insurancelawestonia.ee/court-of-justice-eu/cross-border-claims-and-guarantee-bodies): 6 judgments of the Court of Justice of the EU on cross-border claims and guarantee bodies: summaries, paragraphs and links. - [CJEU: insurance contracts, information and consumers](https://insurancelawestonia.ee/court-of-justice-eu/insurance-contract-information-and-consumer-protection): 12 judgments of the Court of Justice of the EU on insurance contracts, information and consumers: summaries, paragraphs and links. - [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. - [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: insurance premium case law](https://insurancelawestonia.ee/supreme-court/premium): Estonian Supreme Court (Riigikohus) insurance case law: premium. Summaries in English with links. - [Estonian insurance contract law: overview for foreign insurers](https://insurancelawestonia.ee/estonian-insurance-contract-law): The insurance chapter of the Estonian Law of Obligations Act explained: disclosure, premium, risk aggravation, obligations, notification, subrogation. - [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 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. - [Insolvency of a policyholder or tortfeasor in Estonia](https://insurancelawestonia.ee/guides/insolvency-of-policyholder-or-tortfeasor): What happens to insurance when a policyholder, insured or tortfeasor goes bankrupt in Estonia: claims filing, injured party priority, cancellation, D&O. - [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. - [International case law: personal insurance and insurable interest](https://insurancelawestonia.ee/international-insurance-case-law/personal-insurance-and-insurable-interest): 10 decisions of foreign courts on personal insurance and insurable interest: summaries, paragraphs and links. - [Origins of Insurance: from Sea Loans to Lloyd's and Life Tables](https://insurancelawestonia.ee/history-of-insurance/from-antiquity-to-lloyds): Mutual aid, sea loans and general average, the Genoa contract of 1347, Lloyd's coffee house, fire insurance after 1666. - [Patient insurance and dental care in Estonia: do prices rise?](https://insurancelawestonia.ee/blog/2024-11-15-patient-insurance-dental-care): Does Estonia's compulsory liability insurance for healthcare providers raise dental prices? Risk-based pricing and the effect of TOKVS. - [Patient insurance in Estonia: the first year of TOKVS](https://insurancelawestonia.ee/blog/2025-10-13-patient-insurance-estonia-first-year): Estonia's compulsory liability insurance for healthcare providers (TOKVS): structure, limits, conciliation committee and lessons from the first year. - [Policy wording review for Estonian risks](https://insurancelawestonia.ee/services-for-insurers/wording-review): Estonian-law review of insurance wordings: mandatory rules, standard terms, conditions, notice, claims-made, exclusions, translations. - [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. - [Research article: do PEICL premium rules protect policyholders?](https://insurancelawestonia.ee/blog/2012-07-01-research-premium-payment-peicl): Luik and Kontautas 2012: premium payment rules in PEICL compared with Estonian, Latvian and Lithuanian law. - [Research article: the premium as the policyholder's main duty](https://insurancelawestonia.ee/blog/2010-07-01-research-premium-payment-obligation): Luik and Haavasalu, Juridica 2010/3: premium payment in Estonian non-life insurance and the consequences of late or non-payment. - [Sanctions and insurance in Estonia: claims, premiums and nullity](https://insurancelawestonia.ee/guides/sanctions-and-insurance): How EU and Estonian sanctions affect insurance in Estonia: nullity under RSanS § 7, sanctions clauses, claims payments, ransomware, authorisations. - [Under-insurance, over-insurance and double insurance in Estonia](https://insurancelawestonia.ee/estonian-insurance-contract-law/under-over-and-double-insurance): Average, over-insurance, co-insurance, leading insurer and multiple insurance under VÕS §§ 481–487: joint liability, contribution.