Insurer profile

Elama Kindlustus AS

Elama Kindlustus AS · Estonia

Founded 1992Tallinn, EstoniaLast verified Aug 28, 2026

Overview

Elama Kindlustus AS is an Estonian non-life insurance company, formerly known as Inges Kindlustus (Estonia's oldest insurer, founded in 1992), which changed ownership and rebranded to Elama in November 2024. The company is majority owned by Estonian private companies and individuals, including R-Holding OÜ and Tavid AS, and offers motor, home, travel, health, cargo and crop insurance to private and business customers.

Source

Products in this market

Offer pages

Company details

Regulator: Estonian Financial Supervision and Resolution Authority (Finantsinspektsioon)
Phone: +372 6410436
Email: [email protected]

Official website

Products from Elama Kindlustus AS

Motor

Casco insurance

Voluntary vehicle insurance covering damage from accidents, theft or natural disasters that MTPL does not cover, with Flex and Max coverage levels.

Motor third party liability insurance

Compulsory motor liability insurance covering damage caused to other vehicles, property and injured parties in accidents caused by the insured, valid in Estonia, the EEA and Switzerland.

Property

Home insurance

Flexible home insurance for apartments and houses covering property and liability risks, with optional add-ons such as drone damage cover and smart home discounts.

Cargo insurance

Cargo insurance covering goods in transit against loss or damage during domestic and international shipping.

Health

Health insurance for foreigners

Health insurance for people staying in Estonia on a visa, visa-free basis or applying for a temporary residence permit, covering emergency medical care, inpatient/outpatient treatment and medication.

Liability

Transport insurance (carrier/freight forwarder liability)

Carrier's and freight forwarder's liability insurance for domestic and international transport, covering cargo damage, delay costs, third-party damage and legal expenses.

Travel

Travel insurance

Travel insurance for trips to third countries (e.g. Ukraine, Belarus, Russia) covering emergency medical care, accidents, repatriation and lost documents, with Flex and Max coverage options.

Other

Crop insurance

Business crop insurance covering registered field crops against sudden weather events such as hail, heavy rain and storm damage, with an optional winter protection add-on.

Regulatory updates

Elama Kindlustus AS is licensed and listed by Finantsinspektsioon among Estonia's non-life insurance companies. In November 2024, Estonia's oldest insurer Inges Kindlustus changed ownership and was rebranded as Elama Kindlustus AS, with the company stating existing insurance contracts and services were unaffected by the change. The new owners aim to grow the company's market share to around 5% of the Estonian insurance market and have introduced new products such as flexible casco and enhanced MTPL coverage.