A selection of pages on this site that deal with "Supreme Court case law".
- 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.
- Blog: Estonian insurance law insights: Blog by Estonian attorney Dr Olavi-Jüri Luik: insurance law developments, Supreme Court practice and analysis for insurers, MGAs and brokers.
- Civil procedure and evidence in Estonian insurance disputes: How insurance disputes are litigated in Estonia: courts, burden of proof, experts, documents, costs, appeals, interim measures and settlement under TsMS.
- Coverage opinions under Estonian law for insurers and brokers: Estonian coverage opinions for insurers, reinsurers, MGAs and brokers: law, mandatory rules, defences, deadlines, written output.
- 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.
- Estonian Supreme Court: accident, travel and life insurance: Estonian Supreme Court (Riigikohus) on personal insurance (accident, travel and life insurance): English summaries with links.
- Estonian Supreme Court: contract formation and disclosure: Estonian Supreme Court (Riigikohus) case law on formation of insurance contracts, the policy and pre-contractual disclosure, in English.
- Estonian Supreme Court: credit, guarantee and reinsurance: Estonian Supreme Court (Riigikohus) case law on credit and guarantee insurance and reinsurance: English summaries with links.
- Estonian Supreme Court: increase of the insured risk: Estonian Supreme Court (Riigikohus) insurance case law: increase of the insured risk. Summaries in English with links.
- 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: insurance distribution and brokers: Estonian Supreme Court (Riigikohus) insurance case law: insurance distribution and broker liability. Summaries in English with links.
- Estonian Supreme Court: insurance premium case law: Estonian Supreme Court (Riigikohus) insurance case law: premium. Summaries in English with links.
- 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: limitation of insurance claims: Estonian Supreme Court (Riigikohus) insurance case law: limitation and preclusive time limits. Summaries in English 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: nullity, avoidance and termination: Estonian Supreme Court (Riigikohus) insurance case law: nullity, avoidance, withdrawal and termination. Summaries in English with links.
- Estonian Supreme Court: procedure in insurance disputes: Estonian Supreme Court (Riigikohus) insurance case law: procedural issues in insurance disputes. Summaries in English with links.
- Estonian Supreme Court: safety obligations and proportionality: Estonian Supreme Court (Riigikohus) on safety requirements, duties of care and proportionality: English summaries with links.
- Estonian Supreme Court: standard terms in insurance: Estonian Supreme Court (Riigikohus) on standard terms: incorporation, interpretation and content review. English summaries.
- Estonian Supreme Court: subrogation and recourse: Estonian Supreme Court (Riigikohus) insurance case law: subrogation (VÕS § 492) and recourse. Summaries in English with links.
- Estonian insurance law update: 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: 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: Estonian insurance regulation in Q3 2026: distance-marketing rules in force, broker agents bill 993 SE in Parliament.
- Estonian insurance law update: Q4 2025: Estonian insurance regulation in Q4 2025: three draft laws launched, a KindlTS netting amendment, FI guidelines and a Supreme Court ruling.
- 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.
- Insurance case law: Estonia, CJEU and foreign courts: Three case law overviews: Estonian Supreme Court insurance decisions, 100 CJEU judgments and 95 insurance decisions of foreign courts.
- 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 litigation and arbitration in Estonia: Coverage, recovery and liability litigation in Estonian courts and arbitration: forum, evidence, costs, appeals, interim relief.
- Insurance organisations in Estonia and internationally: Insurance organisations in Estonia and abroad: Financial Supervision Authority, Traffic Insurance Fund, insurers and brokers associations, EIOPA, AIDA.
- 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.
- International case law: business interruption and pandemic: 6 decisions of foreign courts on business interruption and pandemic: summaries, paragraphs and links.
- International case law: construction and property insurance: 12 decisions of foreign courts on construction and property insurance: summaries, paragraphs and links.
- International case law: good faith, fraud and claims handling: 14 decisions of foreign courts on good faith, fraud and claims handling: summaries, paragraphs and links.
- International case law: liability insurance and defence costs: 17 decisions of foreign courts on liability insurance and defence costs: summaries, paragraphs and links.
- International case law: limits, towers and long-tail losses: 14 decisions of foreign courts on limits, towers and long-tail losses: summaries, paragraphs and links.
- International case law: notification, disclosure and time limits: 12 decisions of foreign courts on notification, disclosure and time limits: summaries, paragraphs and links.
- International case law: personal insurance and insurable interest: 10 decisions of foreign courts on personal insurance and insurable interest: summaries, paragraphs and links.
- International case law: war, cyber and causation: 10 decisions of foreign courts on war, cyber and causation: summaries, paragraphs and links.
- 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.
- Limitation of insurance claims in Estonia: VÕS § 475 explained: Three-year limitation, suspension on notification, the ten-year long-stop and the one-year action period after a written declination under VÕS § 475.
- 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.
- 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.
- Property insurance in Estonia: five often overlooked nuances: Underinsurance, fire safety, care during the policy period and liability cover: five issues that decide property claims under Estonian law.
- 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.
- Reservation of rights and declination letters under Estonian law: Claims handling support in Estonia: reservation of rights, declination letters, deadlines and the one-year warning under VÕS § 475.
- Safety obligations and proportionality in Estonian insurance law: How VÕS § 452 limits release for breach of safety obligations and conditions: fault, causation, proportional reduction.
- Subrogation under Estonian insurance law (VÕS § 492): Statutory transfer of the insured's claim to the insurer under VÕS § 492: scope, waivers, family privilege, limitation.
- Supreme Court of Estonia: insurance law case law 2001-2026: Map of Estonian Supreme Court (Riigikohus) insurance decisions 2001-2026 by topic, with English summaries and links to the judgments.
- 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.