The experience we give our clients is everything to us

At Howden Estonia, we work for you. We're completely independent of insurance companies - we exist to find the solutions that are best for you.

We look after your interests down to the letter. Sometimes changing just a couple of words in an insurance document can have a significant effect on the terms of the contract, and therefore, decisions on claims and compensation. 

We review these issues for you and make beneficial changes to the wording, before you sign. 

Exceeding clients' expectations and resolving even the most difficult insurance cases to your benefit is a matter of honour for us. 

We carry out your assignments with an entrepreneurial, proactive approach - and we’re always on your side

A broker truly proves their worth in a claim situation

When an accident or other losses occur, we support you throughout the claims process. 

During a claim, we represent you in negotiations with the insurance company, handle appeals where necessary and submit the most difficult cases to the Insurance Complaints Board for a resolution.

More than 1 in 10 claims decisions by insurance companies are rejected in error. 

It is our job to make sure our clients are not part of the 10%. 

 Each year, we win many appeals to overturn insurer decisions. Our appeal work brings our clients a combined annual value of more than one million euros
 

Born in London, in 1994

In only 27 years, Howden Broking has grown from just three friends and a dog, to one of the biggest insurance brokers on the world stage. How did we do it? With a bold independent spirit, and a culture where everyone believes in four key principles.