# Supreme Court case law

URL: https://insurancelawestonia.ee/tags/supreme-court-case-law/
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 Supreme Court case law (52 pages): Estonian insurance law articles, guides and explanations.

A selection of pages on this site that deal with "Supreme Court case law".

- [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.
- [Blog: Estonian insurance law insights](https://insurancelawestonia.ee/blog): 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](https://insurancelawestonia.ee/guides/civil-procedure-and-evidence-estonia): 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](https://insurancelawestonia.ee/services-for-insurers/coverage-opinions): Estonian coverage opinions for insurers, reinsurers, MGAs and brokers: law, mandatory rules, defences, deadlines, written output.
- [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.
- [Estonian Supreme Court: accident, travel and life insurance](https://insurancelawestonia.ee/supreme-court/personal-insurance): Estonian Supreme Court (Riigikohus) on personal insurance (accident, travel and life insurance): English summaries with links.
- [Estonian Supreme Court: contract formation and disclosure](https://insurancelawestonia.ee/supreme-court/conclusion-policy-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](https://insurancelawestonia.ee/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](https://insurancelawestonia.ee/supreme-court/increase-of-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](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: 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 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 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: limitation of insurance claims](https://insurancelawestonia.ee/supreme-court/limitation-and-time-limits): 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)](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: nullity, avoidance and termination](https://insurancelawestonia.ee/supreme-court/nullity-avoidance-withdrawal-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](https://insurancelawestonia.ee/supreme-court/procedural-issues): Estonian Supreme Court (Riigikohus) insurance case law: procedural issues in insurance disputes. Summaries in English with links.
- [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 Supreme Court: standard terms in insurance](https://insurancelawestonia.ee/supreme-court/standard-terms): Estonian Supreme Court (Riigikohus) on standard terms: incorporation, interpretation and content review. English summaries.
- [Estonian Supreme Court: subrogation and recourse](https://insurancelawestonia.ee/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](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: Q2 2026](https://insurancelawestonia.ee/blog/2026-06-30-legislative-update-estonia-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](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 law update: Q4 2025](https://insurancelawestonia.ee/blog/2025-12-31-legislative-update-estonia-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](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.
- [Insurance case law: Estonia, CJEU and foreign courts](https://insurancelawestonia.ee/case-law): Three case law overviews: Estonian Supreme Court insurance decisions, 100 CJEU judgments and 95 insurance decisions of foreign courts.
- [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 litigation and arbitration in Estonia](https://insurancelawestonia.ee/services-for-insurers/litigation-and-arbitration): Coverage, recovery and liability litigation in Estonian courts and arbitration: forum, evidence, costs, appeals, interim relief.
- [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 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: business interruption and pandemic](https://insurancelawestonia.ee/international-insurance-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](https://insurancelawestonia.ee/international-insurance-case-law/construction-and-property): 12 decisions of foreign courts on construction and property insurance: summaries, paragraphs and links.
- [International case law: good faith, fraud and claims handling](https://insurancelawestonia.ee/international-insurance-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](https://insurancelawestonia.ee/international-insurance-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](https://insurancelawestonia.ee/international-insurance-case-law/limits-towers-aggregation-and-long-tail): 14 decisions of foreign courts on limits, towers and long-tail losses: summaries, paragraphs and links.
- [International case law: notification, disclosure and time limits](https://insurancelawestonia.ee/international-insurance-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](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.
- [International case law: war, cyber and causation](https://insurancelawestonia.ee/international-insurance-case-law/war-cyber-causation-and-exclusions): 10 decisions of foreign courts on war, cyber and causation: summaries, paragraphs and links.
- [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.
- [Limitation of insurance claims in Estonia: VÕS § 475 explained](https://insurancelawestonia.ee/estonian-insurance-contract-law/limitation-and-one-year-action-period): 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](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.
- [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.
- [Property insurance in Estonia: five often overlooked nuances](https://insurancelawestonia.ee/blog/2023-10-09-property-insurance-five-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](https://insurancelawestonia.ee/guides/reinsurance-estonia): 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](https://insurancelawestonia.ee/services-for-insurers/claims-handling-support): 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](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.
- [Subrogation under Estonian insurance law (VÕS § 492)](https://insurancelawestonia.ee/estonian-insurance-contract-law/subrogation): 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](https://insurancelawestonia.ee/supreme-court): 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](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.