Insurer profile
AS LHV Kindlustus
AS LHV Kindlustus · Estonia
Overview
AS LHV Kindlustus is a non-life insurance company belonging to the AS LHV Group consolidation group, the largest domestic financial group and capital provider in Estonia. It offers a broad range of property, motor, travel, health, liability, cyber and other insurance products primarily to retail customers and small businesses in Estonia.
Source15
Products in this market
3
Offer pages
Company details
- Parent group
- AS LHV Group
- Regulator
- Estonian Financial Supervision and Resolution Authority (Finantsinspektsioon)
- Phone
- +372 699 9111
- [email protected]
Products from AS LHV Kindlustus
Motor4
Casco (Comprehensive Vehicle Insurance)
Comprehensive motor insurance covering own vehicle damage from accidents, theft, fire, and natural events, with three package options including one for electric and plug-in hybrid vehicles.
Motor Third-Party Liability Insurance (Traffic Insurance)
Mandatory third-party liability insurance covering damage caused to others in road accidents, valid across the EEA and Green Card countries.
Vehicle Warranty Insurance
Extended guarantee insurance for vehicles covering mechanical and electrical failures beyond the manufacturer's warranty period.
Machinery Insurance
Insurance for mobile machinery and heavy equipment operating primarily off public roads (e.g., tractors, excavators, forklifts), covering sudden and unforeseen damage and theft.
Property6
Home Insurance
All-risk home insurance covering buildings and household contents against sudden and unforeseen events, available in Start, Standard, and Premium packages for homeowners, landlords, and tenants.
Device Insurance
All-risk device insurance for new electronic devices purchased at partner retailers, covering accidental damage and theft for up to two years.
Extended Warranty Device Insurance
Extended warranty insurance for electronic devices covering manufacturing defects and accidental damage beyond the statutory guarantee period, available via partner retailers.
Apartment Association Insurance
Insurance for apartment associations (homeowner associations) covering jointly-owned property against sudden damage and civil liability arising from managing the building and its grounds.
Business Insurance
Commercial property and liability insurance for businesses covering property damage, business interruption, and civil liability claims arising from business operations, also extendable to apartment associations.
Living Space Insurance (Legacy Product)
All-risk residential property insurance (legacy product, existing contracts remain valid until end of period and renew as home insurance), covering buildings and contents against sudden damage including civil liability.
Regulatory updates
AS LHV Kindlustus received its non-life insurance activity licence from Finantsinspektsioon on 29 December 2020. In 2025, the company's Solvency II (SII) ratio stood at 144.6% at year-end (2024: 139.3%), well above its internal minimum target of 125%, supported by own funds growing from about €13.5 million to €15.2 million during the year. LHV Kindlustus reported a 2025 net profit of €2.52 million and net insurance revenue of €37.8 million (+18% YoY), while its market share of the Estonian non-life insurance market rose to 7.3% in 2025 (from 6.7% in 2024), still behind market leader Swedbank P&C Insurance AS (19.2%). On 30 April 2025 shareholders renewed the mandates of Supervisory Board members Madis Toomsalu, Erki Kilu, Veiko Poolgas and Jaan Koppel; following Toomsalu's resignation as LHV Group CEO effective 22 July 2025, his supervisory board mandate at LHV Kindlustus terminated and Mihkel Torim was elected as a new Supervisory Board member from that date.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from LHV for the Estonia market, with online purchase.
Last verified Aug 28, 2026
Motor third-party liability
motor third-party liability insurance from LHV for the Estonia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
travel insurance from LHV for the Estonia market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026