@article{Kratenko2020insurance, author={Kratenko, M.V. and Luyk, O..}, title={Insurance Exclusions Contrary to the Requirement of Fair Business Practice: Perspectives for Protection of Policyholder’s Rights in Russia and Estonia as a Member of the European Union}, journal={Journal of Foreign Legislation and Comparative Law}, publisher={Legal publishing house Norm}, year={2020}, pages={1-1}, volume={5}, issue={6}, }