Organisation type · Insurance

Insurance

Insurers assess risks and claims. The largest actor by far is the Estonian Motor Insurance Bureau (LKF), which queries the vehicle register about 95 % of the time — it keeps the motor-insurance register and acts as the guarantee fund and Green Card bureau for Estonia.

Avg calls / day

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Share of X-Road

Consumers

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Data consumption — which registers this organisation type queries

Aggregated calls of all consumers in this category by target register (avg/day, Dec 2025–May 2026). Register meanings partly inferred and flagged.

Top consumers

The largest individual callers of this organisation type. Click a row for profile and data consumption. “heuristic” = assigned via name.

#	Consumer	Type	Avg/day	Share

Daily load

24-hour distribution of this organisation type's calls (average day).

00:0006:0012:0018:0023:00

Key facts

95 %

Motor insurance = vehicle register

Almost all insurance-sector calls go to the vehicle register — owner, vehicle and insurance status are matched for compulsory insurance and claims.

Data source: aggregated X-Road operational logs · Dec 2025 – May 2026 · 182 days. Organisation type assigned via the sector field or (in the long tail) heuristically via the organisation name; flagged accordingly. For Security-Server-as-a-Service providers (Telia, Andmevara) the actual caller was resolved via the X-Road subsystem (client_sub) — such entries are marked “resolved”. Register/subsystem meanings partly inferred. Created with the help of AI, may contain errors.
Sources: Eesti Liikluskindlustuse Fond (LKF)

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