# Publications URL: https://insurancelawestonia.ee/publications/ Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ) Last updated: 2026-11-10 > Publications of Dr Olavi-Jüri Luik on insurance law, liability and artificial intelligence: books, commentaries and articles, from ETIS. Academic and professional publications of Dr Olavi-Jüri Luik as recorded in the Estonian Research Information System (ETIS). Entries are grouped by type and listed from newest to oldest within each group. Citations follow the Juridica citation style; each entry links to the DOI, the journal page, the University of Tartu repository (DSpace) record or the ETIS record. Titles are given in the original language; English translations of Estonian titles are added in square brackets (translation for orientation only). **Original works, co-authorship and summaries.** The entries on this page are the original publications, and co-authors are named in each entry in the order in which they appear in the publication. The "Research" and "Media" posts in the [blog](https://insurancelawestonia.ee/blog) are English introductions and summaries written for this website: they are secondary texts, and the original publication, linked from each post, is the work to cite. Links point to a DOI or a repository handle where one is available, and otherwise to the journal page or the ETIS record. Full and current list: [ETIS CV](https://www.etis.ee/CV/Olavi-J%C3%BCri_Luik/eng/) · [ORCID 0000-0002-1520-6146](https://orcid.org/0000-0002-1520-6146) · [Google Scholar](https://scholar.google.com/citations?user=RjhYwx8AAAAJ) ## Books and commentaries 1. J. Lahe, O.-J. Luik, M. Merila. Liikluskindlustuse seadus. Kommenteeritud väljaanne [Motor Insurance Act (liikluskindlustuse seadus, LKindlS). Commentary]. Tartu: Juura 2026 (400 pp). [Publisher's page](https://paber.juuraveeb.ee/LKINDLS2026) 2. J. Lahe, O.-J. Luik, K. Saluste, M. Merila. Patsiendikindlustus. Kommenteeritud väljaanne [Patient Insurance. Commentary]. Ed. M. Kiisler. Tallinn: Juura 2024 (272 pp). [ETIS](https://www.etis.ee/Portal/Publications/Display/242c1391-6a3f-4d4b-96da-8baba5139f2b) 3. J. Lahe, O.-J. Luik. Kindlustusõigus [Insurance Law]. Juura 2018 (272 pp). [ETIS](https://www.etis.ee/Portal/Publications/Display/e569f63b-e1bf-49b6-a177-943b7d2342ec) 4. J. Lahe, O.-J. Luik, M. Merila. Liikluskindlustuse seadus. Kommenteeritud väljaanne [Motor Insurance Act. Commentary]. Tallinn: Juura 2017 (248 pp). [ETIS](https://www.etis.ee/Portal/Publications/Display/dab7f575-e456-40ac-a725-d04edec74d72) 5. O.-J. Luik. The application of principles of European insurance contract law to policyholders of the Baltic States: A measure for the protection of policyholders. Doctoral thesis. Tartu: Tartu Ülikooli Kirjastus 2016 (227 pp). [DSpace](https://hdl.handle.net/10062/52132) ## Journal articles ### 2026 6. O.-J. Luik, K. Saluste, M. Volberg. Kas tehisarule tuleks anda õigussubjektsus? [Should artificial intelligence be granted legal personality?] – Juridica 2026/4, pp 331–341. [Juridica](https://www.juridica.ee/article.php?uri=2026_4_kas_tehisarule_tuleks_anda_igussubjektsus_) ### 2025 7. O.-J. Luik, R. Kinkar. Artificial Intelligence and Non-Contractual Liability: Will the Insurance System Replace the Tort System in the Future? An example of autonomous vehicles. – Juridica International 2025 (34), pp 71–89. [DOI: 10.12697/JI.2025.34.06](https://doi.org/10.12697/JI.2025.34.06) 8. O.-J. Luik, K. Saluste. Kas kindlustusõiguses eksisteerib vastutustundliku kindlustamise põhimõte? [Does a principle of responsible insurance exist in insurance law?] – Juridica 2025/3, pp 174–184. [Juridica](https://www.juridica.ee/article.php?uri=2025_3_kas_kindlustus_iguses_eksisteerib_vastutustundliku_kindlustamise_p_him_te_) ### 2024 9. R. Kinkar, O.-J. Luik. Tehisaru ja lepinguväline vastutus: kas kindlustussüsteem asendab tulevikus deliktisüsteemi? Autonoomsete sõidukite näide. [Artificial intelligence and non-contractual liability: will the insurance system replace the tort system? The example of autonomous vehicles] – Juridica 2024/7, pp 496–508. [Juridica](https://www.juridica.ee/article.php?uri=2024_7_tehisaru_ja_lepinguv_line_vastutus_kas_kindlustuss_steem_asendab_tulevikus_deliktis_steemi_au) ### 2023 10. M. Kratenko, O.-J. Luik. Vastuolulise käitumise keeld kahjukindlustuses. [The prohibition of contradictory conduct (venire contra factum proprium) in non-life insurance] – Juridica 2023/2, pp 139–147. [Juridica](https://www.juridica.ee/article.php?uri=2023_2_vastuolulise_k_itumise_keeld_kahjukindlustuses) ### 2022 11. O.-J. Luik, K. Haavasalu. Õigusvaldkonna ametikindlustuse probleemid Eestis. [Problems of professional liability insurance in the legal sector in Estonia] – Juridica 2022/7, pp 517–528. [Juridica](https://www.juridica.ee/article.php?uri=2022_7_igusvaldkonna_ametikindlustuse_probleemid_eestis) 12. M. Kratenko, O.-J. Luik. Условия о мерах безопасности (precautionary measures) в договоре компенсационного страхования. [Precautionary measures clauses in indemnity insurance contracts] – Vestnik of Saint Petersburg University. Law 2022 (13) 3, pp 740–758. [DOI: 10.21638/spbu14.2022.310](https://doi.org/10.21638/spbu14.2022.310) 13. O.-J. Luik, R. Kinkar. Vaktsiinikindlustuse süsteemi loomise valikukohad. [Policy choices in creating a vaccine injury insurance scheme] – Juridica 2022/1, pp 53–64. [Juridica](https://www.juridica.ee/article.php?uri=2022_1_vaktsiinikindlustuse_s_steemi_loomise_valikukohad) ### 2021 14. O.-J. Luik, A. Värv. Mittevaralise kahju hüvitise määrad liikluskindlustuses. [Amounts of compensation for non-pecuniary damage in motor insurance] – Juridica 2021/9, pp 658–664. [Juridica](https://www.juridica.ee/article.php?uri=2021_9_mittevaralise_kahju_h_vitise_m_rad_liikluskindlustuses) 15. A. Värv, O.-J. Luik. Mittevaralise kahju liikluskindlustuses hüvitamise nõudeõiguslikud probleemid. [Problems of the legal basis of claims for non-pecuniary damage in motor insurance] – Juridica 2021/5, pp 356–367. [Juridica](https://www.juridica.ee/article.php?uri=2021_5_mittevaralise_kahju_liikluskindlustuses_h_vitamise_n_ude_iguslikud_probleemid) 16. O.-J. Luik, M. Volberg. Philosophical battle against moral hazard: do we need law methodology change from "all or nothing principle" to "principle of proportionality"? – Methodological Problems of Civil Law Research 2021/3, pp 124–138. [DOI: 10.33397/2619-0559-2021-3-3-124-138](https://doi.org/10.33397/2619-0559-2021-3-3-124-138) ### 2020 17. M. Kratenko, O.-J. Luik. Современная модель компенсационного страхования (Indemnity Insurance) и перспективы её воплощения в российском праве. [The modern model of indemnity insurance and prospects for its implementation in Russian law] – Perm University Herald. Juridical Sciences 2020 (50), pp 762–786. [DOI: 10.17072/1995-4190-2020-50-762-786](https://doi.org/10.17072/1995-4190-2020-50-762-786); the DOI currently resolves to a page that does not open, the record is available in the [university publication database]() 18. M. Kratenko, O.-J. Luik. Theoretical and Practical Problems of Obligatory Professional Liability Insurance: A Comparative Analysis on the Basis of the Russian and Estonian Laws. – Журнал зарубежного законодательства и сравнительного правоведения 2020/5, pp 81–94. [DOI: 10.12737/jflcl.2020.043](https://doi.org/10.12737/jflcl.2020.043) 19. M. Kratenko, O.-J. Luik. Возмещение вреда, причиненного вследствие ненадлежащего медицинского вмешательства: сравнительный анализ опыта РФ и Эстонии. [Compensation for harm caused by improper medical intervention: a comparative analysis of Russia and Estonia] – Закон 2020/7, pp 68–83. [ETIS](https://www.etis.ee/Portal/Publications/Display/6d9cbc32-a10c-443b-bb29-6258ba1ac575) ### 2019 20. M. Kratenko, O.-J. Luik. Исключения из страхового покрытия, не отвечающие критериям честной деловой практики: перспективы защиты прав страхователей в России и Эстонии как государстве – члене Европейского Союза. [Exclusions from insurance cover that do not meet fair business practice: protecting policyholders in Russia and in Estonia as an EU Member State] – Журнал зарубежного законодательства и сравнительного правоведения 2019/6, pp 34–50. [DOI: 10.12737/jflcl.2019.6.3](https://doi.org/10.12737/jflcl.2019.6.3) ### 2018 21. O.-J. Luik, K. Saar. Kindlustushuvi kui kindlustuse ja hasartmängu eristamise alus. [Insurable interest as the basis for distinguishing insurance from gambling] – Juridica 2018/7, pp 447–456. [Juridica](https://www.juridica.ee/article.php?uri=2018_7_kindlustushuvi_kui_kindlustuse_ja_hasartm_ngu_eristamise_alus) 22. O.-J. Luik, A. Urm. Tulundusühistu kui kindlustusandja tegutsemise vorm. [The commercial cooperative as a legal form for an insurer] – Juridica 2018/7, pp 478–488. [Juridica](https://www.juridica.ee/article.php?uri=2018_7_tulundus_histu_kui_kindlustusandja_tegutsemise_vorm) ### 2017 23. O.-J. Luik, K. Saar. Kindlustusvõtja kindlustusjuhtumijärgsed kohustused varakindlustuses. [Post-loss obligations of the policyholder in property insurance] – Juridica 2017/9, pp 609–618. [Juridica](https://www.juridica.ee/juridica_et.php?document=et/articles/2017/9/282394.SUM.php) ### 2016 24. O.-J. Luik. Ohutusnõuded kahjukindlustuses. [Precautionary measures in non-life insurance] – Juridica 2016/10, pp 727–735. [Juridica](https://www.juridica.ee/juridica_et.php?document=et/articles/2016/10/272756.SUM.php) 25. O.-J. Luik, R. Ratnik, M. Braun. Aggravation of Risk and Precautionary Measures in Non-Life Insurance: A Tricky Scope for the Insurer? – Baltic Journal of Law & Politics 2015 (8) 2, pp 1–45 (published online 2016). [DOI: 10.1515/bjlp-2015-0017](https://doi.org/10.1515/bjlp-2015-0017) ### 2012 26. O.-J. Luik. Policyholder Obligations After an Insured Event: Are Baltic Insurance Laws Too Insurer-Friendly Compared to the Principles of European Insurance Contract Law? – Baltic Journal of Law & Politics 2012 (5) 1, pp 137–164. [DOI: 10.2478/v10076-012-0007-x](https://doi.org/10.2478/v10076-012-0007-x) 27. O.-J. Luik, T. Kontautas. Does the insurance premium payment regulation as stipulated in the Principles of European Insurance Contract Law protect policyholders sufficiently enough? – Verslo ir teisės aktualijos / Current Issues of Business and Law 2012/1, pp 85–107. [DOI: 10.5200/1822-9530.2012.06](https://doi.org/10.5200/1822-9530.2012.06) ### 2011 28. O.-J. Luik, V. Kõve. 18 aastat liikluskindlustuse seaduse kehtimist Eestis. Kuidas edasi? [Eighteen years of the Motor Insurance Act in Estonia: what next?] – Juridica 2011/4, pp 298–309. [Juridica](https://www.juridica.ee/juridica_et.php?document=et/articles/2011/4/195175.SUM.php) 29. O.-J. Luik. Do the Principles of European Insurance Contract Law Go Too Far in Protecting the Policyholder? – Juridica International 2011 (18), pp 73–83. [Juridica International](https://www.juridicainternational.eu/article_full.php?uri=2011_XVIII_73_do-the-principles-of-european-insurance-contract-law-go-too-far-in-protecting-the-policyholder) 30. O.-J. Luik, M. Poola, M. Braun. Poolte teavitamiskohustus enne kahjukindlustuslepingu sõlmimist. [The parties' pre-contractual information duties in non-life insurance] – Juridica 2011/2, pp 109–117. [Juridica](https://www.juridica.ee/juridica_et.php?document=et/articles/2011/2/192258.SUM.php) 31. O.-J. Luik, M. Braun. Significance of the Principles of European Insurance Contract Law for the pre-contractual information duty: experience of the Baltic States. – Verslo ir teisės aktualijos / Current Issues of Business and Law 2011/2, pp 192–215. [DOI: 10.5200/1822-9530.2011.11](https://doi.org/10.5200/1822-9530.2011.11) ### 2010 32. O.-J. Luik, K. Haavasalu. Kindlustusmakse tasumise kohustus kui kindlustusvõtja põhikohustus kahjukindlustuses. [The duty to pay the premium as the policyholder's principal obligation in non-life insurance] – Juridica 2010/3, pp 184–195. [Juridica](https://www.juridica.ee/juridica_et.php?document=et/articles/2010/3/178332.SUM.php) ### 2009 33. O.-J. Luik, A. Kattel. Hüpoteegipidaja – privilegeeritud subjekt kahjukindlustuses. [The mortgagee: a privileged party in non-life insurance] – Juridica 2009/7, pp 428–438. [Juridica](https://www.juridica.ee/juridica_et.php?document=et/articles/2009/7/153890.SUM.php) ### 2008 34. O.-J. Luik, K. Haavasalu. Kindlustusriski mõiste sisustamine ja kasutamine kindlustuslepingute tüüptingimustes. [Defining and using the concept of insured risk in standard insurance terms] – Juridica 2008/3, pp 164–170. [Juridica](https://www.juridica.ee/juridica_et.php?document=et/articles/2008/3/140392.SUM.php) ## Conference proceedings 35. O.-J. Luik, J. Lahe. Granting Direct Claim Rights in Voluntary Liability Insurance to the Aggrieved Person in Estonian Insurance Practice: Via Insurance Contract Vs Claim Assignment. – Revisiting the Limits of Freedom While Living Under Threat. II. University of Latvia Press 2024, pp 196–206. [DOI: 10.22364/iscflul.9.2.17](https://doi.org/10.22364/iscflul.9.2.17) ## Teaching materials 36. K. Kepp, E. Valeisa, J. Rozenfelds, M. Rambaks, E. Zelmene, T. Gudaitis, V. Diure, T. Talutis, A. Soone, O.-J. Luik, M. Kalesinskas. Kahjukindlustusnõustaja õpik [Textbook for non-life insurance advisers]. 2018. [ETIS](https://www.etis.ee/Portal/Publications/Display/9b093c25-7dd0-4cdb-af5b-e0d030741ef9) 37. K. Kepp et al. (incl. O.-J. Luik). Investeerimiskindlustuse nõustaja õpik [Textbook for investment insurance advisers]. 2018. [ETIS](https://www.etis.ee/Portal/Publications/Display/37bca02a-406d-462d-a937-80ec0555569a) 38. K. Kepp et al. (incl. O.-J. Luik). Elukindlustusnõustaja õpik [Textbook for life insurance advisers]. 2018. [ETIS](https://www.etis.ee/Portal/Publications/Display/d0deab51-4208-46fa-a2f2-2b248fde14db) ## Master's thesis 39. O.-J. Luik. Liikluskindlustus kui kohustuslik vastutuskindlustus [Motor insurance as compulsory liability insurance]. Master's thesis. Tartu: Tartu Ülikool 2004 (130 pp). [DSpace](https://hdl.handle.net/10062/1010) --- *Data: ETIS, ORCID and journal websites as at 2 November 2026. Where the journal's own page differed from the ETIS record, page numbers and author order follow the journal.*