{"id":19865,"date":"2017-06-22T06:15:40","date_gmt":"2017-06-22T06:15:40","guid":{"rendered":"https:\/\/triniti.eu\/?post_type=insights&#038;p=19865"},"modified":"2026-04-15T13:39:41","modified_gmt":"2026-04-15T13:39:41","slug":"uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine","status":"publish","type":"insights","link":"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/","title":{"rendered":"Uus tulija Eesti tehingumaastikul &#8211; riskide kindlustamine"},"content":{"rendered":"\nKui oled ostnud ettev\u00f5tte (osaluse \u00e4ri\u00fchingus), on m\u00fc\u00fcja tavap\u00e4raselt m\u00fc\u00fcgilepingus andnud mitmesuguseid kinnitusi m\u00fc\u00fcdava ettev\u00f5tte kohta \u2013 nt et \u00fchingu vara kuulub t\u00e4ies ulatuses \u00fchingule ega ole panditud, \u00fching ei ole pooleks avaldamata lepingutes, tasutud on k\u00f5ik maksud, \u00fchingul ei ole varjatud kohustusi, \u00fching on t\u00e4itnud \u00f5igusaktide n\u00f5udeid, jne.<!--more-->\r\n\r\n<strong>Kui m\u00fc\u00fcja kinnitused ei osutu \u00f5igeks<\/strong>\r\n\r\nOstja l\u00e4htub ostutehingut tehes muuhulgas m\u00fc\u00fcgilepingus antud kinnitustest. P\u00e4rast tehingu l\u00e4biviimist v\u00f5ib aga selguda, et asjad ei ole nii nagu m\u00fc\u00fcja lubas. Ehk siis teisis\u00f5nu on m\u00fc\u00fcja oma kinnitusi rikkunud. \u00dcldiselt lepitakse selliseks juhuks kokku m\u00fc\u00fcja kohustus h\u00fcvitada ostjale tekkiv kahju v\u00f5i tasuda leppetrahvi konkreetses summas. Ostja poolt vaadatuna v\u00f5ib aga sellisel juhul tekkida olukord, kus m\u00fc\u00fcja pole enam maksev\u00f5imeline. Seega on oht, et erinevatel p\u00f5hjustel ei saa ostja kahjutasu v\u00f5i leppetrahvi n\u00f5uet reaalselt sisse n\u00f5uda.\r\n\r\n<strong>Rikkumise eest vastutab kindlustusandja<\/strong>\r\n\r\nSiin tulebki m\u00e4ngu tehingukinnituste kindlustus (<em>representations and warranties insurance<\/em>). Kindlustada on v\u00f5imalik ostja n\u00f5uded m\u00fc\u00fcja vastu, mis tulenevad kinnituste rikkumisest ning ostjal on vastavate n\u00f5uete tekkimise korral m\u00fc\u00fcja asemel vastaspooleks kindlustusselts. Kuigi Eestis on nimetatud kindlustustoode veel suhteliselt v\u00e4he kasutatud, on see mujal maailmas olulisemate tehingute puhul levinud tehinguriskide maandamise v\u00f5imalus.\r\n\r\n<a href=\"http:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2017\/06\/Tehinguriskide-kindlustus.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-8545 size-large\" src=\"http:\/\/triniti.ee\/wp-content\/uploads\/sites\/2\/2017\/06\/Tehinguriskide-kindlustus-1024x719.jpg\" alt=\"\" width=\"1024\" height=\"719\" \/><\/a>\r\n\r\n<strong>M\u00fc\u00fcja saab ostuhinna kohe k\u00e4tte<\/strong>\r\n\r\nM\u00fc\u00fcja poolt vaadatuna annab tehingukinnituste kindlustus ka m\u00fc\u00fcjale mitmeid eeliseid. Puudub vajadus ostuhinna osaliseks deponeerimiseks. Sellist lahendust kasutatakse tihti tagamaks v\u00f5imalike kahjun\u00f5uete reaalne v\u00e4ljamaksmine ostjale. Kindlustuse olemasolul saab m\u00fc\u00fcja kogu ostuhinna kohe k\u00e4tte. Samuti ei riski m\u00fc\u00fcja tulevikus tekkiva v\u00f5imaliku kohustusega tasuda leppetrahvi. Lisaks kaitseb kindlustus n\u00e4iteks m\u00fc\u00fcjaid, kes ei ole m\u00fc\u00fcdava ettev\u00f5tte juhtimises aktiivselt osalenud ning ei tea k\u00f5iki ettev\u00f5ttega seotud asjaolusid. Kindlustuse olemasolu v\u00f5ib kogu ostuprotsessi kiirendada ning ka potentsiaalselt m\u00fc\u00fcdava ettev\u00f5tte hinda t\u00f5sta.\r\n\r\n<strong>Tehingukindlustuse plussid<\/strong>\r\n\r\nKindlustuse olemasolu peamised plussid ostjale on j\u00e4rgmised:\r\n<ul>\r\n \t<li>Tagab ostjale v\u00f5imaluse rikkumise puhul kahjuh\u00fcvitis reaalselt k\u00e4tte saada<\/li>\r\n \t<li>V\u00f5imalik on kokku leppida pikemaid kinnituste kehtivuse perioode, kui m\u00fc\u00fcja ilma kindlustuseta n\u00f5ustuks<\/li>\r\n \t<li>Risk m\u00fc\u00fcjale mitteteadaolevate asjaolude eest l\u00e4heb kindlustajale<\/li>\r\n \t<li>Ostjal on v\u00f5imalus saada laiemad kinnitused v\u00f5rreldes tavaolukorraga<\/li>\r\n<\/ul>\r\nT\u00e4psed kindlustustingimused s\u00f5ltuvad tehingu iseloomust. Kindlustuspreemia suuruseks on ca 1 kuni 3 protsenti kindlustatavast summast (n\u00e4iteks m\u00fc\u00fcgilepingus kokkulepitud m\u00fc\u00fcja vastutuse rahaline \u00fclempiir).\r\n\r\n<strong>Kokkuv\u00f5tteks<\/strong>\r\n\r\nKui oled ostmas v\u00f5i m\u00fc\u00fcmas ettev\u00f5tet tasub kaaluda tehingukinnituste kindlustuse kaasamist. Eriti, kui on tegemist m\u00fc\u00fcjaga, kes p\u00e4rast tehingu l\u00f5puleviimist tegevuse l\u00f5petab v\u00f5i kui on tegemist mitmete erinevas riigis asuvate m\u00fc\u00fcjatega. Sellise kindlustuskatte kasutamise kavatsuse korral tuleb v\u00f5imalikult varakult kaasata n\u00f5ustaja, sest kindlustuse olemasolu m\u00f5jutab kindlasti ka m\u00fc\u00fcgilepingu tingimusi.\r\n\r\nKui Sul tekkis eelnevaga seoses k\u00fcsimusi v\u00f5i vajad abi tehingu kavandamisel, v\u00f5id alati meiega \u00fchendust v\u00f5tta <span style=\"color: #008cc8;\"><a style=\"color: #008cc8;\" href=\"http:\/\/triniti.ee\/kontakt\/\" target=\"_blank\" rel=\"noopener noreferrer\">siin<\/a><\/span>.\n","protected":false},"featured_media":19563,"template":"","person_countries":[296],"people_industries":[],"experience_practice_area":[300,318,909],"insight_category":[430],"class_list":["post-19865","insights","type-insights","status-publish","has-post-thumbnail","hentry","person_countries-eesti","experience_practice_area-arioigus","experience_practice_area-pangandus-finantsoigus","experience_practice_area-uhinemised-omandamised","insight_category-blogi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Uus tulija Eesti tehingumaastikul - riskide kindlustamine - TRINITI - Pan-Baltic Law Firm<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"et_EE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Uus tulija Eesti tehingumaastikul - riskide kindlustamine - TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"og:description\" content=\"Kui oled ostnud ettev\u00f5tte (osaluse \u00e4ri\u00fchingus), on m\u00fc\u00fcja tavap\u00e4raselt m\u00fc\u00fcgilepingus andnud mitmesuguseid kinnitusi m\u00fc\u00fcdava ettev\u00f5tte kohta \u2013 nt et \u00fchingu vara kuulub t\u00e4ies ulatuses \u00fchingule ega ole panditud, \u00fching ei ole pooleks avaldamata lepingutes, tasutud on k\u00f5ik maksud, \u00fchingul ei ole varjatud kohustusi, \u00fching on t\u00e4itnud \u00f5igusaktide n\u00f5udeid, jne.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/\" \/>\n<meta property=\"og:site_name\" content=\"TRINITI - Pan-Baltic Law Firm\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-15T13:39:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2022\/04\/Ain-Kalme1-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\\\/\",\"url\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\\\/\",\"name\":\"Uus tulija Eesti tehingumaastikul - riskide kindlustamine - TRINITI - Pan-Baltic Law Firm\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/triniti.1kdigital.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/Ain-Kalme1-scaled.jpg\",\"datePublished\":\"2017-06-22T06:15:40+00:00\",\"dateModified\":\"2026-04-15T13:39:41+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\\\/#breadcrumb\"},\"inLanguage\":\"et\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"et\",\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\\\/#primaryimage\",\"url\":\"https:\\\/\\\/triniti.1kdigital.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/Ain-Kalme1-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/triniti.1kdigital.com\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/Ain-Kalme1-scaled.jpg\",\"width\":2560,\"height\":1707},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/insights\\\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Uus tulija Eesti tehingumaastikul &#8211; riskide kindlustamine\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/#website\",\"url\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/\",\"name\":\"TRINITI - Pan-Baltic Law Firm\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"et\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/#organization\",\"name\":\"TRINITI - Pan-Baltic Law Firm\",\"url\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"et\",\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/triniti.1kdigital.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/triniti-logo-en.svg\",\"contentUrl\":\"https:\\\/\\\/triniti.1kdigital.com\\\/wp-content\\\/uploads\\\/2021\\\/12\\\/triniti-logo-en.svg\",\"caption\":\"TRINITI - Pan-Baltic Law Firm\"},\"image\":{\"@id\":\"https:\\\/\\\/triniti.1kdigital.com\\\/et\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Uus tulija Eesti tehingumaastikul - riskide kindlustamine - TRINITI - Pan-Baltic Law Firm","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"et_EE","og_type":"article","og_title":"Uus tulija Eesti tehingumaastikul - riskide kindlustamine - TRINITI - Pan-Baltic Law Firm","og_description":"Kui oled ostnud ettev\u00f5tte (osaluse \u00e4ri\u00fchingus), on m\u00fc\u00fcja tavap\u00e4raselt m\u00fc\u00fcgilepingus andnud mitmesuguseid kinnitusi m\u00fc\u00fcdava ettev\u00f5tte kohta \u2013 nt et \u00fchingu vara kuulub t\u00e4ies ulatuses \u00fchingule ega ole panditud, \u00fching ei ole pooleks avaldamata lepingutes, tasutud on k\u00f5ik maksud, \u00fchingul ei ole varjatud kohustusi, \u00fching on t\u00e4itnud \u00f5igusaktide n\u00f5udeid, jne.","og_url":"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/","og_site_name":"TRINITI - Pan-Baltic Law Firm","article_modified_time":"2026-04-15T13:39:41+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2022\/04\/Ain-Kalme1-scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/","url":"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/","name":"Uus tulija Eesti tehingumaastikul - riskide kindlustamine - TRINITI - Pan-Baltic Law Firm","isPartOf":{"@id":"https:\/\/triniti.1kdigital.com\/et\/#website"},"primaryImageOfPage":{"@id":"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/#primaryimage"},"image":{"@id":"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/#primaryimage"},"thumbnailUrl":"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2022\/04\/Ain-Kalme1-scaled.jpg","datePublished":"2017-06-22T06:15:40+00:00","dateModified":"2026-04-15T13:39:41+00:00","breadcrumb":{"@id":"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/#breadcrumb"},"inLanguage":"et","potentialAction":[{"@type":"ReadAction","target":["https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/"]}]},{"@type":"ImageObject","inLanguage":"et","@id":"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/#primaryimage","url":"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2022\/04\/Ain-Kalme1-scaled.jpg","contentUrl":"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2022\/04\/Ain-Kalme1-scaled.jpg","width":2560,"height":1707},{"@type":"BreadcrumbList","@id":"https:\/\/triniti.1kdigital.com\/et\/insights\/uus-tulija-eesti-tehingumaastikul-riskide-kindlustamine\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/triniti.1kdigital.com\/et\/"},{"@type":"ListItem","position":2,"name":"Uus tulija Eesti tehingumaastikul &#8211; riskide kindlustamine"}]},{"@type":"WebSite","@id":"https:\/\/triniti.1kdigital.com\/et\/#website","url":"https:\/\/triniti.1kdigital.com\/et\/","name":"TRINITI - Pan-Baltic Law Firm","description":"","publisher":{"@id":"https:\/\/triniti.1kdigital.com\/et\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/triniti.1kdigital.com\/et\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"et"},{"@type":"Organization","@id":"https:\/\/triniti.1kdigital.com\/et\/#organization","name":"TRINITI - Pan-Baltic Law Firm","url":"https:\/\/triniti.1kdigital.com\/et\/","logo":{"@type":"ImageObject","inLanguage":"et","@id":"https:\/\/triniti.1kdigital.com\/et\/#\/schema\/logo\/image\/","url":"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2021\/12\/triniti-logo-en.svg","contentUrl":"https:\/\/triniti.1kdigital.com\/wp-content\/uploads\/2021\/12\/triniti-logo-en.svg","caption":"TRINITI - Pan-Baltic Law Firm"},"image":{"@id":"https:\/\/triniti.1kdigital.com\/et\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/triniti.1kdigital.com\/et\/wp-json\/wp\/v2\/insights\/19865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/triniti.1kdigital.com\/et\/wp-json\/wp\/v2\/insights"}],"about":[{"href":"https:\/\/triniti.1kdigital.com\/et\/wp-json\/wp\/v2\/types\/insights"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/triniti.1kdigital.com\/et\/wp-json\/wp\/v2\/media\/19563"}],"wp:attachment":[{"href":"https:\/\/triniti.1kdigital.com\/et\/wp-json\/wp\/v2\/media?parent=19865"}],"wp:term":[{"taxonomy":"person_countries","embeddable":true,"href":"https:\/\/triniti.1kdigital.com\/et\/wp-json\/wp\/v2\/person_countries?post=19865"},{"taxonomy":"people_industries","embeddable":true,"href":"https:\/\/triniti.1kdigital.com\/et\/wp-json\/wp\/v2\/people_industries?post=19865"},{"taxonomy":"experience_practice_area","embeddable":true,"href":"https:\/\/triniti.1kdigital.com\/et\/wp-json\/wp\/v2\/experience_practice_area?post=19865"},{"taxonomy":"insight_category","embeddable":true,"href":"https:\/\/triniti.1kdigital.com\/et\/wp-json\/wp\/v2\/insight_category?post=19865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}