Abstract and keywords
Abstract (English):
The article features the unconscionability of insurance agents at the stage of affecting the insurance contract. It describes such cases of mala fides as unfair conditions, fine and unreadable print in contract texts, poor insurance coverage, short notice periods, and unexpected narrowing of the insurance territory. Subjective unconscionability means that the insurance agent is aware of the circumstances essential to determine the probability of an insurance risk or the possibility to obtain such information. In this regard, Article 428 of the Civil Code of the Russian Federation and the contra proferentem may prevent unfair contractual conditions and imbalance. Courts need to be granted the right to go beyond the plaintiff’s claims in order to evaluate the contract.

conscientiousness, insured event, unfair contractual conditions, inequality of negotiation opportunities
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