Rescue parachute in the event of a cancelled holiday: the travel insurance certificate. Without him, the money paid for the holiday may be gone in the event of a bankruptcy of the organizer. © Christin Klose/dpa-tmn
Fortunately, it is rare, and yet holidaymakers should be protected against it: an insolvency of the tour operator. What matters here is a relatively inconspicuous document.
Schleswig - When booking a package tour, you should make sure that the travel confirmation is accompanied by a travel insurance certificate. This is because it protects against a possible insolvency of the tour operator. According to the Schleswig-Holstein Bar Association, this rarely happens. Nevertheless, without a security certificate, the money paid for the holiday may be gone in the event of a bankruptcy of the organizer.
The protection of the package holiday
The travel insurance certificate can be found on the back of your travel confirmation or separately attached to the travel documents, according to the Bar Association. The contact details of the "insurer" are given there, against whom the holidaymaker can assert his or her claims in the event of the organiser's insolvency.
However, according to the information, this protection only applies to a package tour and not to the booking of individual services such as a flight or accommodation. Good to know for bookers: According to the Bar Association, you do not have to pay or pay the travel price until you have received the security certificate including the contact details of the insurer.
The handing over of a security certificate is required by law for package tours.
What applies in the event of insolvency
If the tour operator is already insolvent before the start of the trip, the insurer can decide whether the trip will still be carried out or cancelled. If you demand reimbursement of the travel price, the insurer must pay immediately.
If the tour operator goes bankrupt during the holiday, then the following applies: Contact the tour operator or the insurer and coordinate everything else. In such a case, according to the Bar Association, the insurer reimburses the costs for any longer stay at the holiday destination and repatriation.
If the insurer decides to cancel the trip, the holidaymakers are obliged to start the return journey. However, if they decide to continue their holiday at the holiday destination contrary to this instruction, they cannot insist on reimbursement of these additional costs.
Travel agency bankruptcy not covered
Good to know: The travel insurance certificate will not help you if the travel agency with which the trip was booked is insolvent. Here it depends on whether the travel price paid by the holidaymaker has already been forwarded by the travel agency to the tour operator.
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If, for example, it can be proven by travel documents that the money paid has arrived at the organizer, then the organizer is still obliged to carry out the trip.
If, on the other hand, the travel agency has not yet forwarded the money paid, those affected must request reimbursement directly from the travel agency or its insolvency administrator. Problem: According to the Bar Association, the chances of success are low. Dpa