Category: Insurance tips Release Date: 2006-08-01
┿Travel: Understanding the risks of their own do
Travel agent liability insurance thrust is to bring tourists responsibility and the responsibility of travel agents a clear distinction. But the travel agency liability insurance specific content, whether employees or visitors travel agents, there are a considerable number of people muddle. In a travel advisory counter, consultants to answer visitors on the "travel agent liability insurance," the question to "the itinerary of all the arrangements" as the answer. In fact, this travel agency liability insurance has framed the scope of a certain bias.
Liability insurance for travel agents travel to the travel arrangements, not all insurance within the scope of an express provision such as insurance companies, travel agencies, organizations, racing, horse racing, rock climbing, unpowered glide, adventure of rafting, scuba diving, alpine skiing, snowboarding and parachuting, hot air ballooning, bungee jumping, surfing caused by high-risk activities, personal injury or property damage are not compensable. However, almost all travel agents will be in Thailand, Pattaya Beach to visitors recommend skydiving, surfing, bungee jumping in New Zealand recommended. For another example, many travel agencies in recent years, strongly promoted self-help tourism in the travel insurance company liability insurance provisions, is to "provide neither Quanpei or manager, does not provide individual travel arrangements to accompany the activities" of particular note are not within the context of claims.
Even if the travel agency liability insurance requirement is in line with the terms of conditions of insurance claims is also very clear very complicated, first of all must be "a result of the insured person's negligence or fault, resulting in the insured person received the inside and outside the economic losses suffered by tourists," Rule provides for a number of content is not within the scope of compensation, insurance companies, not compensation, such as: gold, silver, jewelry, jewelry, antiques, watches, laptop computers, cameras, cameras, software, data, cash, credit cards, bills, single - card, securities, documents, books, technical information and other difficult to identify the value of property lost or damaged.
Among the tourism, travel agents liability insurance How can we play for the travel agents and tourists of the safety and security of the effectiveness of the staff still need to be able to travel on this insurance to have a better understanding and can explain in detail. Visitors to understand the substance of the travel agency liability insurance to facilitate tourist travel to participate in their own right as a sensible risk assessment program.
┿tourists: By double-identify what is the insurance
Travel outside of liability insurance purchased by tourists in the accident insurance at their own expense, in the actual operation, there are many problems. Of tourists to purchase such insurance, a travel agency counters are mostly from the travel agency staff recommendation to tourists and therefore also the need to travel more than the insurance company of such an understanding of the situation.
The insurers a lot of domestic travel insurance products are the complexity of the same things almost no one. If a company to launch a travel insurance plan, the insured 60 yuan to a maximum to get a 50 million overseas trips on the 7th accident protection; insurance 387 yuan, to keep their total sum insured is outside the 7 days of 950 thousand yuan for emergency relief, emergency clinics and Accident Insurance. Range of insurance products in such categories before, if there is no professional presentation, visitors will be afraid of the first major.
Travel consignment of the insurers of the accidental injury insurance, the biggest problem appears in the non-standard insurance policy are filled out manually. Consignment overseas travel accident insurance company insurance policy almost all operational staff from the travel agency are filled out manually, rather than real-time networked printing.
Travel agent hand-holding policy of tourists, can be found in the corresponding enterprises outside the province of insurance companies that can truly benefit from the expected compensation insurance commitments, can not help but allow people to cast doubt on the Dunsheng. Although in real life yet heard of any travel insurance policy and insurance companies hand-filled dispute between the claims, but such arbitrary non-standard operating procedures greatly, after all, has created a hidden danger in future insurance claims. ┿leader: Who for me insurance
Outbound tours, the representative of the tour guides my personal accident insurance, long has been leader of both the individual and the employee travel agents ignored.
A natural leader, and will not have more than ordinary tourists supernatural force against accidental injury. Thailand's car accident in a tour leader was killed, let us realize that the travel manager, like with all the tourists, there are also subject to the possibility of accidental injury. The victims of this incident, drivers, guides, captain, and two tourists were sitting in the front car. Tour guides are usually the exit location on the station wagon, because of the need to communicate from time to time with the tour guide, it is generally sitting in the front wagon. Leader mortal funeral
Life of the unexpectedly results, making the tourism team at the point of the rudderless, stability and the whole regiment visitors moods prompt contact with the rear of the things, can not be quickly achieved.
Outbound team leader himself, as travel agents to send a plenipotentiary to the form of their jobs in the whole travel activities. Although there are many guides can not fulfill his duty to assume should bear the responsibility, but its unique position, as well as the rights of workers still need to respect the employee travel agents.
Travel agent liability insurance in fact does not include accidental damage to the leader of the protection. "Travel agent liability insurance clause" in expressly provides that "the insured person or his representatives or its employees relating to personal injury, as well as all of the above-mentioned persons and property losses" is "no compensation". Under the present circumstances of view, the leader of the accidental injury insurance in many travel agents still exist among a vacancy. Normal circumstances, that no one travel agency will take the initiative to do their leader outside the accidental injury insurance, and has little to think about his own expense manager, went to insurance companies for their own travel security, such an insurance. But in fact, accidental injury insurance coverage for the manager, in a sense point of view, in fact the travel agencies in the protection of enterprises themselves.
