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All-Russian Insurance Association (ARIA) proposes to oblige tour operators to be insured for large sums of money than it is now, as well as connect to the State Compensation tour.
their proposals ARIA last Friday sent to the Bank of Russia, which is a regulator of the insurance companies, and the Ministry of Culture is responsible for Rosturizm through tour operators. The reason for their development were the recent bankruptcy of travel agencies. Preparing proposals ARIA preceded by a meeting of the “crisis committee”, which took place on 7 August. It market participants with the Central Bank and Rosturizm discussed how to protect tourists from unscrupulous insurers and operators.
In order to tourists in the future could expect a full refund, BCC proposes to introduce a three-tier system of financial protection.
First of all, according to the BCC, you need to create a compensation fund by contributions tour operators. Fund should not be less than 500 million rubles. That will be spent on emergency evacuation of tourists from abroad in the event of default by the tour operator and its exclusion from the registry Rostourism. 500 million rubles. enough to take from abroad about 60 thousand. tourists indicates BCC. Today, it is engaged in “Turpomosch” – she reimburse their costs due to the requirements of the company, which was insured liability of the tour operator, but in some cases, insurance is only enough for the return of tourists to Russia, and those who paid for a ticket, but have not yet gone to travel, can not receive compensation.
The second step should be the protection of tourists insurance pool in which participation of companies engaged in insurance tour operators will be required. Payment of financial support for each tour operator will be based on the planned number of tourists a year. On every tourist BCC proposes to establish a limit of liability – by analogy with the insurance of bank deposits. If during the term of the insurance contract the actual number of tourists will exceed planned, the tour operator is obliged dostrahovatsya.
The third level of protection of tourists should be a state. If the capacity of the insurance pool, which calculates the CBA, is not enough for it to pay damages to all travelers in full, the state must make up the difference. Also expected to participate in the state of emergency evacuation of tourists in case of force majeure (natural disasters, acts of war and other).
BCC offers to control the maximum size of the insurer’s liabilities, taking into account the size of its own funds and other financial indicators. Now insure its liability to any tour operator can, even the small insurance company. Thus, the travel company “Neva” insured, their responsibility to 454.2 million rubles. in the UK “Ascension”, charges which in the past year were nine times less, and do not exceed 50 million rubles. According to the register of the Federal Tourism Agency, except for “Neva” it is insured by the insurer responsible for another 35 tour operators. Will the “Ascension” to fulfill its obligations, it is still unclear – 30 July the Central Bank suspended its license.
BCC indicates that the need to strengthen the regulation of tour operators, such as introduce them to systematic financial statements and possibly licensing .
Over the last month suspended the activities or no longer fulfill their obligations to the tourists for 13 tour operators indicated in the letters BCC controllers (have RBC). Russia’s Investigative Committee filed five criminal cases of fraud on the facts of illegal financial transactions conducted by “Labyrinth”, “Wind Rose World,” “Ideal Tour”, “Neva” and “Expo-round.” Civil liability of tour operators has been insured in accordance with the Federal Law “On the basis of tourist activity in the Russian Federation.” However, the amounts to which the insured tour operators, in almost every case, is not enough for a full indemnity tourists recognized earlier in the BCC. According to the Federal Tourism Agency, suffered more than 65 thousand. Tourists.
The proposed measures should help the tourist market, experts say. “Now the largest tour operators with turnover, calculated in billions of rubles, rarely insure liability in excess of 100 million rubles., – Said the deputy director of the department of personal insurance IC” Consent “Michael Chelpanov. – The insurer assumes the risk only in the framework of this amount, in case of bankruptcy funds are not sufficient to fully indemnify all customers. ” According to him, it is necessary to bring the financial support of tour operators to the real extent of their business.
According to the first deputy chairman of SOGAZ Nicholas Galushina should be increased requirements for companies that provide services to the population, so that the financial support of the full volume enough to meet the demands of the victims. “Financial security need not bind to earnings of travel agencies, and to the number of vouchers sold,” – he said.
Catherine Blizzard
August 18, 2014
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