LHV Kindlustus
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →Latest resultsH1 2026, year to date: €26m of premium, +14.3% on H1 2025 (market +2.1%); share 7.6% (+0.8 pp), #6 of 18. More
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LHV Kindlustus's line mix, and where it stands among the 18 insurers in Estonia on each measure, FY 2025.
Each bar runs from the weakest to the strongest of the insurers in Estonia with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.
Latest quarter
Premium and market share
Market share against the nearest rivals
By year
| Insurer | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| ERGO Insurance | 13.9% | 13.3% | 13.6% | 13.0% | 11.6% |
| Compensa VIG (branch) | 9.2% | 9.1% | 9.3% | 9.3% | 9.5% |
| LHV Kindlustus | 1.4% | 3.1% | 4.9% | 5.6% | 6.3% |
| BTA Baltic (branch) | 5.5% | 5.6% | 4.6% | 4.5% | 4.7% |
| Salva Kindlustus | 5.0% | 5.6% | 5.4% | 4.9% | 4.3% |
Lines and claims
Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.
All figures
Claims and costs over time
Solvency
Capital cover over time
DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers
Capital at year end
What the capital requirement covers
Capital cover
Profitability
Net profit by year
All figures
Profit and equity by year
Also in the LHV group
1 company in 1 market · €43m premium, latest year
No other company of this group in the markets covered.
Ownership and events
Company details
- Legal name
- AS LHV Kindlustus
- Registered seat
- Tallinn, Estonia
- Website
- lhv.ee
- Employees
- 54 (2025; 34 in 2022, 47 in 2023, 58 in 2024)
- Premium per employee
- €796k (FY 2025; median for non-life insurers in Estonia: €396k; all insurers)
Legal name, seat and LEI from the Global LEI Index (GLEIF); website from the company's own reports or the supervisor's register, checked 20 Oct 2026. Employees: employees in Estonia on the last day of each quarter, averaged over the year, from the Tax and Customs Board's open data (from 2022).
Questions about LHV Kindlustus
Short answers from the figures on this page.
What is LHV Kindlustus's market share in Estonia?
LHV Kindlustus wrote €43m of premium in FY 2025, 6.3% of all premium in Estonia, ranking #6 of 18 insurers; its premium grew 13.0% on FY 2024.
Who owns LHV Kindlustus?
LHV Kindlustus is part of the LHV group, its only company in the 18 markets on Polisa (FY 2025).
What does LHV Kindlustus sell?
LHV Kindlustus is a non-life insurer; its largest lines in FY 2025 are casco (26.7% of its premium), health (26.0%) and property (21.9%).
Is LHV Kindlustus well capitalised?
LHV Kindlustus's SCR ratio was 145% at 31 December 2025: it held 1.4 times the capital Solvency II requires, against a median of 177% for the insurers in Estonia.
Is LHV Kindlustus profitable?
LHV Kindlustus made a net profit of €2.52m in FY 2025, a return on equity of 33.1%; its non-life combined ratio was 95% after reinsurance.
Is LHV Kindlustus growing?
LHV Kindlustus's premium grew 13.0% in FY 2025 while the market in Estonia shrank 0.6%.
Sources for this page
Premium, lines and claims: Statistics Estonia, tables RRI07 (non-life) and RRI05 (life) by insurer, CC BY-SA 4.0. Earned premium, claims incurred and expenses (S.05.01) and solvency (S.23.01): each domestic insurer's SFCR, FY 2021–2025, scaled to its Estonian business with the per-country template. How these numbers are built.
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CiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse
Polisa compiles the figures; the original sources are named on this page and on the method page.
Polisa. (2026). LHV Kindlustus (Estonia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/ee-lhv-kindlustus
BibTeXShow entry
@misc{polisa_insurers_ee_lhv_kindlustus_2026,
author = {{Polisa}},
title = {LHV Kindlustus (Estonia): premium, market share, lines, solvency and claims},
year = {2026},
version = {2026-11-11.13378f},
howpublished = {\url{https://polisapro.com/insurers/ee-lhv-kindlustus}},
note = {Accessed 11 November 2026}
}Reuse: Polisa's compilation CC BY 4.0 · source data: Statistics Estonia (CC BY-SA 4.0), Tax and Customs Board (open data), RIK (no re-use terms published), insurers' SFCRs (public disclosures, linked).