2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
When visiting the office of a travel company and making a trip, in addition to a voucher, customers are offered to take out insurance for tours against their own recognizance. Is it necessary and what will the insurance company be responsible for?
Procedure for registration
Insurance against non-departure refers to risky types of insurance and involves compensation for booking hotel rooms, purchasing tickets, buying a tour and other financial losses in the event of an insured event. In different insurance organizations, the contract is drawn up within a period of seven days to a month before the start of the trip. In addition, the date of booking a tourist route must strictly coincide with the date of execution of the contract with the operator. Travel insurance "Ingosstrakh" assumes a minimum period - one week - from the start date of the tour.
The contract can be signed both at the office of the company and executed via the Internet. The main condition for the conclusion of the agreement is the advance payment of the tourist trip and the cost of travel insurance. Its price depends on the price of the route per tourist. When bookingrelatively inexpensive trips, the insurance premium can be no more than fifty conventional units for each insured participant.
Insurance events
What includes insurance against non-departure is the responsibility of the insurer, and for what compensation is not due - should be carefully studied. The cases for which monetary compensation for the funds spent are provided are clearly defined:
- Deterioration of he alth, injury, death. Such events should be related directly to the insured tourists, their family members, next of kin in the first line of kinship.
- Destruction or damage to property owned by the policyholder or the insured tourist as a result of fire risks, accidents in house supply systems, illegal actions of third parties.
- Court sessions. Reimbursement provided if the subpoena was received after travel insurance was issued.
- Call for service. Compensation for the funds spent will be made provided that the summons was received later than the date of signing the contract.
- Visa denied. This applies to both the insured and his family members, and other tourists who have jointly issued insurance against not traveling abroad. The main condition for receiving a refund is compliance with the deadlines and procedures for submitting documents.
- Early return or forced delay from the trip as a result of a sharp deterioration in he alth. The need to cancel the tour must be confirmed by official medical documents. Such an insurance eventcan refer both to the insured himself, and relatives, spouses, children. Also, compensation will be accrued upon the death of any of the persons specified in the contract.
Insurance payments
The travel agency, in cooperation with insurance companies, shifts part of its responsibility by issuing travel insurance against travel restrictions. The conditions under which customers' expenses will be reimbursed are specified in the contract.
If the company's client cancels the planned trip for reasons that are covered by travel insurance, the insurance organization compensates for the withheld amount of the pen alty or other financial expenses associated with the tour. Also, the policyholder is reimbursed for the cost of tickets, hotel reservations, if the costs of them are documented.
If the dates of the trip were postponed, the company will compensate for the cost of reissuing and the price of new tickets. However, in this case, the amount of payment cannot be more than half of the sum insured under the contract.
In case of early termination of the tour for reasons that fall under the insurance against not leaving and its conditions, the policyholder will be compensated for the cost of the hotel room for those days that were not used. If a tourist or other insured persons were forced to terminate their tourist trip ahead of schedule, the insurer will compensate for the costs of purchasing new tickets.
The financial institution will reimburse the additional expenses of the client if, for good reasons, he or other insured persons were forced to stay. In suchin case of compensation, the cost of a hotel room for no more than five days, the costs of buying or reissuing new travel tickets are subject to compensation.
Contract amount and payment
The financial responsibility of the insurer, which under the contract lies with him, depends on the amount of funds spent on the purchase of a tourist trip. Travel cancellation insurance involves the use of a fifteen percent unconditional deductible. Thus, the company, when compensating for payments, will reduce their amount by the specified amount, if there are no other conditions under the contract.
Insurance payment depends on the price of the tourism product and the approved fare. Its size is affected by the use of various correction factors. So, if travel insurance is issued by a group of persons, then the company can provide a discount for a significant number of insured persons. At the same time, if the client wants to add the amount of insurance risks, then multiplying coefficients are used.
The client is obliged to transfer the amount of insurance payment specified in the signed contract to the bank account of the financial company. The premium can be paid both in the national currency and in the currency of another state. If the price of a tourist trip is determined in a foreign currency, then the payment is recalculated based on the exchange rate of the Central Bank at the time of payment.
If the client did not transfer the insurance premium on time and in full, the insurer is not liable in the event of unfavorableevents.
Terms of agreement
Insurance against non-departure is concluded for the period of a tourist trip, but not more than one month. At the same time, if such a trip provides for a longer period, then, taking into account the application of increasing coefficients, a policy is issued for a longer period.
The contract takes effect from the day specified in it. However, if the potential tourist has not paid the calculated insurance premium, the document does not take effect.
Conclusion of the contract
To apply for travel cancellation insurance, the client must provide the original documents or their copies. If you are traveling abroad, you must have a valid passport. In addition, in order to sign this type of contract, the insured is obliged to present a issued and paid tourist voucher with confirmation of the fact of expenses incurred.
When signing the document, the client is obliged to notify the company of possible additional risks that may affect the result of the trip. In turn, the insurance organization has the right not to issue an insurance policy without additional argumentation. All personal information cannot be disclosed without the consent of the parties.
Procedure of actions in case of an insured event
Given that insured events under travel cancellation insurance may vary in time (trip cancellation, early return, delay in the tour), the procedure for submitting documents depends on the current situation. So, if the trip was canceled for medical reasons or due to tragiccircumstances, the client or his family must provide a notarized supporting physician's findings or a copy of the death certificate.
If the cancellation of a tourist trip occurred due to the destruction or damage to the property of the insured, then as evidence it is necessary to present the completed protocols of special bodies: police, firefighters, hydrometeorological center.
The same procedure applies to court cases or conscription. To be able to compensate for the funds spent, you must present the original summons to the court or subpoenas to the military registration and enlistment office. Copies of such documents must be officially certified by the seal of the relevant organization.
Denied reimbursement
The insurance company has the right not to pay all or part of the indemnity in the following cases:
- payments not paid in full;
- submission of falsified supporting documents;
- intentional increase in spending;
- contract has not started;
- refusal of the insured from additional study of his he alth status;
- use of alcohol, drugs and other toxic substances;
- sports (unless otherwise provided by the contract);
- military action, riots, strikes;
- radiation, nuclear explosion;
- natural disasters;
- suicide.
Termination of the treaty
Insurance against non-departure ceases to be valid in such cases:
- expired in accordance with the dates specified in the contract;
- tourist crossed the border;
- Insurance compensation was paid in the amount of liability.
The policyholder has the right to cancel the insurance policy. However, in this case, the listed amount of payment is not returned to the client.
Rights and obligations of an insurance company
Specialized company has the right not to conclude an agreement with a tourist. Before calculating the amount of compensation, specialists can conduct an additional check of the documents provided by issuing official requests to specialized institutions. If there is doubt about the authenticity of the medical findings, the insurer may appoint an independent examination of the he alth status of the company's client. In case of refusal, the insurance organization may refuse to pay compensation.
The financial institution is obliged to issue an agreement with excerpts from the current insurance rules. If all supporting documents are available, the payment must be made within the time specified in the insurance.
Rights and obligations of the policyholder
The client has the right to receive the original signed insurance contract after paying the entire amount of the calculated payment. To do this, he is obliged to pay the insurance premium to the company's bank account in full and within the approved time frame. In the event of an insured event, the tourist can count onreimbursement of expenses incurred in full compliance with all conditions of travel insurance.
When concluding a contract, the client is obliged to notify the relevant organization of existing facts that may affect the possibility of an insured event. In the event of an event that falls under the responsibility of the company, he must report the incident in time and collect all supporting documents for subsequent presentation to the insurer.
By purchasing cancellation insurance, clients of the company, both travel and insurance companies, receive financial protection in case of unforeseen events. So, the question is "insurance against non-departure, is it necessary?" was reviewed in this article.
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