Kindlustusest

What Kindlustusest does

Kindlustusest (legal entity KindlustusEst Kindlustusmaakler OÜ) is an Estonian independent insurance broker founded in 2001 and headquartered in Tallinn, operating for more than 25 years as one of the larger insurance intermediaries in the Estonian market. The company runs a digital-first comparison platform (kindlustusest.ee) that aggregates quotes from up to 9 partner insurance companies — Salva, BTA, Seesam, ERGO, Elama, If, PZU, LHV, and Balcia — enabling customers to evaluate and purchase mandatory traffic insurance, voluntary casco, home, travel, life, health, accident, animal, student, employer health, machinery, and small-vessel policies in a single self-serve interface, supplemented by phone (12555) and email-assisted sales.

The underlying technology consists of proprietary web-based quote aggregation with dedicated SEO-optimized calculator subdomains for the highest-volume lines (liikluskindlustuse-kalkulaator.ee, kaskokindlustuse-kalkulaator.ee, kodukindlustuse-kalkulaator.ee). Add-on services include Autoabi (24/7 roadside assistance at €39.99/year) and Kahjuabi (damage claim assistance at €0.99/month), with a self-service login for policy management and claims reporting. The company is currently implementing AI tools across product development, marketing, sales, accounting, and debt management processes to reduce routine office work and improve digital products, and has established a startup-ecosystem link via a partnership with Midio Invest.

Revenue mechanics are commission-based: Kindlustusest acts as an independent broker earning carrier commissions on policies sold through its platform, with no underwriting risk. The primary customer segment is individual Estonian consumers (vehicle owners, homeowners, travelers, students abroad), with a secondary B2B segment for employer health insurance and vehicle fleets. The company serves approximately 100,000 customers and reports a customer recommendation index of approximately 90%. Geographic scope is limited to Estonia with no disclosed international operations.

Name

Kindlustusest

Legal name

KindlustusEst Kindlustusmaakler OÜ

Website

https://kindlustusest.ee

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Kindlustusest is an Estonian independent insurance broker operating a digital comparison platform that aggregates quotes from 9 partner insurers across vehicle, home, travel, health, and life insurance for approximately 100,000 individual and small-business customers in Estonia.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage services
• Insurance comparison platform
• Vehicle insurance quotes
• Home and travel insurance
• Voluntary health insurance

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Insurance broker commissions: Kindlustusest acts as an independent insurance broker earning commissions from insurance companies for policies sold through their platform. They represent 9 insurance companies: Salva, BTA, Seesam, ERGO, Elama, If, PZU, LHV, and Balcia.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Kindlustusest operates a digital insurance brokerage platform that aggregates and compares policies from up to 9 partner insurance companies in Estonia. It sells and intermediates vehicle insurance (traffic and casco), home insurance, travel insurance, life insurance, voluntary health insurance, accident insurance, small vessel insurance, animal insurance, student insurance for those studying abroad, employer-provided health insurance, and machine/CPM insurance for agricultural, construction and forestry equipment. The broker supplements these with add-on services including Autoabi roadside assistance and Kahjuabi damage-claim assistance, and earns commission-based revenue from the underwriters for policies bound through its platform.

Product overview

Kindlustusest is an Estonian insurance broker offering a digital platform that aggregates and compares insurance products from multiple insurers. The core offering consists of vehicle insurance products (Liikluskindlustus for mandatory traffic liability and Kaskokindlustus for voluntary vehicle coverage), property insurance (Kodukindlustus for homes and Väikelaevakindlustus for boats), health and life insurance (Reisikindlustus, Elukindlustus, Ravikindlustus, Õnnetusjuhtumikindlustus), and specialized coverage (Loomakindlustus for animals, Tudengikindlustus for students abroad, Tööandja ravikindlustus for employers). Add-on services include Autoabi (roadside assistance) and Kahjuabi (damage claim assistance). The platform allows customers to compare offers from up to 9 insurance companies and purchase policies digitally. Machine/CPM insurance extends coverage to agricultural, construction, and industrial machinery.

Differentiator

Problem solved

Functional benefit

Products and services

• Liikluskindlustus (Traffic Insurance) Mandatory third-party liability insurance for vehicles registered in the traffic register, covering damages caused to other people or their property in traffic accidents. Sold to Estonian vehicle owners (cars, motorcycles, trucks, agricultural machines, etc.).
• Kaskokindlustus (Casco Insurance) Voluntary vehicle insurance for the policyholder's own vehicle, covering theft, accident, fire, vandalism and natural disasters. Complements mandatory traffic insurance. For Estonian vehicle owners.
• Reisikindlustus (Travel Insurance) Travel insurance covering medical costs, baggage loss, travel delays and trip cancellations, available for various regions worldwide. For Estonian residents traveling domestically and internationally.
• Kodukindlustus (Home Insurance) Home insurance covering building, household contents, and third-party liability, protecting against fire, water damage, natural disasters, burglary and vandalism. For Estonian homeowners and renters.
• Elukindlustus (Life Insurance) Life insurance providing financial protection for family and loan obligations in case of the insured person's death, acting as a safety net for dependents. For Estonian individuals and families.
• Ravikindlustus (Health Insurance) Voluntary health insurance covering medical expenses and providing faster access to healthcare, including specialist visits, hospital care and rehabilitation. For Estonian individuals supplementing state healthcare.
• Õnnetusjuhtumikindlustus (Accident Insurance) Accident insurance covering injuries from accidents, providing compensation for permanent disability or death, medical costs, and daily allowances. For Estonian individuals and families.
• Väikelaevakindlustus (Small Vessel Insurance) Insurance for watercraft up to 24 meters in length, covering damages in harbor and at sea including collisions, storm damage, fire, theft and vandalism. For Estonian boat and yacht owners.
• Loomakindlustus (Animal Insurance) Insurance for pets (dogs and cats) and livestock, covering veterinary costs, death, loss and owner liability. For Estonian pet owners and livestock owners.
• Tudengikindlustus (Student Insurance) Insurance for students studying abroad, interns and au pairs, combining international health insurance, accident insurance, baggage insurance and assistance coverage. For Estonian and international students, including Erasmus+ participants.
• Tööandja ravikindlustus (Employer Health Insurance) Employer-provided voluntary health insurance supplementing state healthcare, offering employees faster access to medical care including specialist visits and dental care, structured as a tax-free benefit up to €400 per employee. For Estonian employers offering employee benefits.
• Masin/CPM (Machine Insurance) Insurance for construction, agricultural, forestry and industrial machines covering registered and non-registered equipment against fire, accidents, theft and vandalism. For Estonian owners of agricultural, construction and industrial machinery.
• Autoabi (Roadside Assistance) 24/7 roadside assistance service covering towing, flat-tire help, fuel delivery and technical support, priced at €39.99 per year and available as an add-on to traffic insurance for customers without casco coverage. For Estonian vehicle owners.
• Kahjuabi (Damage Assistance) Damage-claim processing assistance helping clients with documentation, claim submission and dispute resolution with insurance providers, priced at €0.99 per month and included in Premium and Premium Plus traffic insurance packages. For Estonian policyholders managing claims.

Quantifiable outcome

• ~90% customer recommendation index (NPS)
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• LHVcoreChannel Partner/ Reseller/ Distributor · 18 February 2026Estonian capital-based insurance company. LHV Kindlustus launched active vehicle insurance offerings in spring and now partnered with Kindlustusest to provide traffic insurance through their platform
• SalvacoreChannel Partner/ Reseller/ DistributorEstonian insurance company partner providing vehicle, property, and other insurance products through Kindlustusest platform
• BTAcoreChannel Partner/ Reseller/ DistributorInsurance company partner providing various insurance products through Kindlustusest platform
• SeesamcoreChannel Partner/ Reseller/ DistributorInsurance company partner providing various insurance products through Kindlustusest platform
• ERGOcoreChannel Partner/ Reseller/ DistributorInsurance company partner providing various insurance products through Kindlustusest platform
• ElamacoreChannel Partner/ Reseller/ DistributorInsurance company partner providing various insurance products through Kindlustusest platform
• IfcoreChannel Partner/ Reseller/ DistributorNordic insurance company partner providing various insurance products through Kindlustusest platform
• PZUcoreChannel Partner/ Reseller/ DistributorInsurance company partner providing various insurance products through Kindlustusest platform
• BalciacoreChannel Partner/ Reseller/ DistributorInsurance company partner providing various insurance products through Kindlustusest platform
• Midio InvestminorStrategic or Co-development PartnerInvestment company with connection to startup world. Kindlustusest has exposure to the startup ecosystem through Midio Invest, monitoring promising insurtech startups and new ideas

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• IIZI Kindlustusmaakler: Estonian digital insurance broker offering multi-carrier comparison and online policy purchase across personal and commercial lines. Most directly comparable domestic competitor with the same digital-brokerage model and customer base.

Broad incumbents

• Check24 Vergleichsportal: Germany's largest price-comparison platform with an extensive insurance vertical aggregating dozens of carriers. Comparable as a scaled reference point for the multi-carrier aggregator business model Kindlustusest operates at Estonian scale.
• LHV Kindlustus: Estonian capital-based insurer that recently began distributing traffic insurance through Kindlustusest (Feb 2026). Comparable as a hybrid partner/competitor that combines a digital bank distribution channel with own-brand policies in the same product categories.
• Seesam Insurance: Baltic insurance carrier offering motor and property insurance, simultaneously a key partner of Kindlustusest and a competitor distributing its own policies. Comparable for product overlap and shared distribution-vs-direct tension.
• Compare the Market (esure group): UK-based insurance comparison aggregator across motor, home, and life lines. Comparable as an established insurtech-enabled aggregator with a digital quote-comparison UX similar to Kindlustusest's platform.
• Balcia Insurance: Baltic-focused carrier offering motor and travel insurance, distributed in Estonia partly through Kindlustusest. Comparable as a partner whose own direct digital channel overlaps with the broker's product set.
• If P&C Insurance: Nordic-headquartered P&C carrier with significant Estonian market share and direct-to-consumer digital capabilities. Comparable as a major insurance partner whose direct channel competes head-to-head with the brokerage's aggregator model.
• ERGO Insurance SE: One of the largest insurers in the Baltics, offering motor, home, travel, life, and health products both directly and through brokers including Kindlustusest. Comparable because it competes for the same Estonian customers while also serving as a key distribution partner.

Emerging players

• WeFox Group: European insurtech aggregator/platform providing digital broker infrastructure to insurance partners across multiple EU markets. Comparable as a next-generation insurtech-enabled broker pursuing the same aggregator-plus-partner model Kindlustusest executes at Estonian scale.

Regional players

• Swedbank Kindlustus: Estonian unit of Swedbank distributing insurance via the bank's owned retail channel. Comparable as a bank-affiliated distribution competitor offering motor and home policies to the same Estonian customers through a different digital surface.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/kindlustusest
• LinkedInlinkedin.com/company/kindlustusest
• Xx.com/kindlustusest

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kindlustusest