Inges Kindlustus
Inges Kindlustus (rebranded as Elama Kindlustus AS in November 2024) is an Estonian insurer offering motor, travel, health, and transport/cargo policies to individual motorists and small logistics operators through direct online and phone channels.
- Company typePrivate
- Founded-
- HeadquartersTallinn, Estonia
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
Inges Kindlustus firmographics
Firmographics- Name
- Inges Kindlustus
- Legal name
- Inges Kindlustus AS
- Website
- https://inges.ee
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Inges Kindlustus (rebranded as Elama Kindlustus AS in November 2024) is an Estonian insurer offering motor, travel, health, and transport/cargo policies to individual motorists and small logistics operators through direct online and phone channels.
- Ownership category
- akta.pro rank
Inges Kindlustus industry classification
Industry- Product category
- Insurance Services
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Travel & Accident (Non-Life) Insurance (FSAJAMAN)
- akta.pro secondary industries
- Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Umbrella & Excess Liability (Fleet/Transportation) (TLABANAG)
Keywords
Where Inges Kindlustus is headquartered
LocationHeadquarters
- HQ city
- Tallinn
- HQ country
- Estonia
- HQ region
- Europe
Offices1 record
Markets served
Inges Kindlustus business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Others
Revenue model
- Personal Insurance Products: Recurring premiums from personal insurance products including traffic insurance (mandatory liability), travel insurance, and health insurance. Traffic insurance is a mandatory recurring product for vehicle owners in Estonia.
- Business/Commercial Insurance Products: Premiums from commercial insurance products including CMR insurance (mandatory for transport operators), expeditor liability insurance, and cargo/freight insurance targeting transport companies.
- Motor Own Damage (Kasko) Insurance: Flexible motor own damage insurance product with customizable coverage options for vehicles.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Custom insurance coverage with flexible options |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
Inges Kindlustus product offering
Product offeringCore offering
Inges Kindlustus (now Elama Kindlustus AS) provides insurance products primarily focused on traffic, travel, and transport-related coverage in Estonia. For individual customers, the company offers Motor Third Party Liability insurance, flexible Motor Own Damage (Kasko) insurance, Travel insurance, and Health insurance. For business and transport companies, the company offers CMR insurance, Freight Forwarder Liability insurance, and Cargo insurance. Insurance quotes and policy purchases are handled via direct contact through the company website (elama.ee), phone, and email.
Product overview
Inges Kindlustus is an Estonian insurance company offering a portfolio of personal and commercial insurance products. For private customers, the company provides Motor Third Party Liability insurance, Travel insurance, and Health insurance, with newly expanded flexible Motor Own Damage insurance. For business customers (transport and logistics companies), the company offers specialized coverage including CMR Insurance, Freight Forwarder Liability Insurance, and Cargo Insurance. As of November 2024, the company has rebranded to Elama Kindlustus AS with expanded digital offerings and new flexible motor insurance products with additional coverage options.
Differentiator
Problem solved
Functional benefit
Products and services
- Motor Third Party Liability Insurance (Liikluskindlustus) Mandatory Motor Third Party Liability insurance providing coverage for damages caused to third parties in traffic accidents. Now available with additional covers for personal customers in Estonia.
- Flexible Motor Own Damage Insurance (Kaskokindlustus) Flexible Motor Own Damage (Kasko) insurance offering customizable coverage for damage to the policyholder's own vehicle. Newly introduced for personal customers in Estonia.
- Travel Insurance (Reisikindlustus)
Companies that use Inges Kindlustus
Customer profileSegments2 records
Ideal customer profiles2 records
Inges Kindlustus technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Inges Kindlustus partnerships and signals
Strategic signalScale indicators2 records
Recent moves4 records
Expansion highlights3 records
Inges Kindlustus competitors and assessment
Company assessmentBroad incumbents
- Swedbank Insurance (Estonia): Bank-affiliated insurance distributor offering motor, travel, and home insurance to Estonian consumers via Swedbank's large retail banking base. A broader incumbent with bundled distribution that competes for the same Estonian retail customers.
Direct peers
- Salva Kindlustus: Estonian-domiciled non-life insurer (long-standing domestic peer) offering motor, travel, and commercial insurance. Closely comparable as another Estonian-rooted insurer with a similar product portfolio and customer base.
- ERGO Insurance (Estonia): Estonian non-life insurer offering motor, travel, health, and commercial transport insurance with similar product overlap. Direct competitor in both personal lines and the commercial transport/cargo segment where Inges/Elama is specialized.
- Seesam Insurance: Baltic insurance group active in Estonia with motor, travel, and property-casualty products. Overlaps with Inges/Elama in retail motor liability and travel insurance for Estonian consumers.
- If P&C Insurance (If Kindlustus): One of the largest Estonian non-life insurers and a direct competitor in motor third party liability and travel insurance. Both companies serve Estonian retail and commercial customers with similar product sets, and If represents the scale competitor Inges/Elama faces in its home market.
- Compensa Vienna Life Group (Estonia): Vienna Insurance Group subsidiary operating in Estonia, offering non-life and life insurance including motor and travel products. Competes in the same Estonian retail and SME commercial segments.
- Gjensidige (Baltic operations): Nordic-headquartered insurer with significant Estonian presence offering motor, travel, and commercial insurance. Competes head-to-head in Estonian retail MTPL and in commercial lines targeting transport and logistics customers.
Emerging players
- LHV Insurance (Estonia): Estonian-domestic financial group with growing non-life insurance offerings including motor and travel products. Represents an emerging domestic competitor with similar Estonian-ownership positioning to Elama.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Inges Kindlustus social profiles
Digital presenceInges Kindlustus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Inges Kindlustus leadership team
Management profileNumber of profiles
Inges Kindlustus funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Inges Kindlustus M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Inges Kindlustus
What does Inges Kindlustus do?
Inges Kindlustus (now Elama Kindlustus AS) provides insurance products primarily focused on traffic, travel, and transport-related coverage in Estonia. For individual customers, the company offers Motor Third Party Liability insurance, flexible Motor Own Damage (Kasko) insurance, Travel insurance, and Health insurance. For business and transport companies, the company offers CMR insurance, Freight Forwarder Liability insurance, and Cargo insurance. Insurance quotes and policy purchases are handled via direct contact through the company website (elama.ee), phone, and email.
Is Inges Kindlustus a public or private company?
Inges Kindlustus is a private company. It is classified as unknown and is currently operating.
When was Inges Kindlustus founded?
Inges Kindlustus was founded in -1. It employs 1 to 10 people.
Where is Inges Kindlustus based?
Inges Kindlustus is headquartered in Tallinn, Estonia, in the Europe region.
How does Inges Kindlustus make money?
Three revenue lines are on record. Personal Insurance Products are the primary driver. The others are business/Commercial Insurance Products and motor Own Damage (Kasko) Insurance.
Who are Inges Kindlustus's main competitors?
Swedbank Insurance (Estonia) is listed as a broad incumbent. Direct peers are Salva Kindlustus, ERGO Insurance (Estonia), Seesam Insurance, If P&C Insurance (If Kindlustus), Compensa Vienna Life Group (Estonia) and Gjensidige (Baltic operations). LHV Insurance (Estonia) is listed as an emerging player.
Does Inges Kindlustus have an API?
No public API is recorded for Inges Kindlustus.
What industry is Inges Kindlustus in?
Inges Kindlustus's product category is Insurance Services. Its primary akta.pro industry code is FSAJAMAN, Travel & Accident (Non-Life) Insurance, with a secondary code of FSAJAJAD, Personal Accident Insurance (Injury, Disability & Income Benefit). Its NAICS code is 524126 and its SIC code is 6331.