Tourists To Buy Insurance, To Distinguish The "travel Liability Insurance", And

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It is understood that, in order to be responsible for as much as possible to tourists

, travel agencies in the visitors register when the normally Offered recommend travel insurance products to the tourists, but visitors often "do not buy it." The industry believes that very few tourists to buy accident insurance, on the one hand because of its many people do not seriously think that anyway, so 35 days would not have any big, some small money holding chances Province; the other hand, many visitors simply not figure out travel insurance liability insurance and travel accident insurance of the difference between the two and the scope of their respective claims, liability insurance has been mistaken travel accident with a tourist insurance.

In interviews, many people asked the reporter: "The signing of contracts and travel agents, travel agents, tourists have to buy insurance, we still need to spend double money?" This , AIA responsible person explained: "In the tour, the tour will indeed buy some insurance; but not on that tourists do not need to buy insurance,."

Why tourists do not want to take out personal accident insurance personal travel? Reporter learned that people do not understand regarding travel insurance, trust and insurance companies do not mind the inherent psychological exclusion of insurance, people do not buy the main reasons of travel insurance.

The public by the end of August last year, Ms Lau with his son attended a 3-day tour host, tour and travel agents before the signing of an agreement, the agreement stated in the cost of travel with insurance premiums. But let Ms Lau unexpected, her son was injured in the accident while playing, treatment costs have spent a thousand dollars. Ms Lau had remembered to buy a travel insurance travel agents, so the insurance company holding the agreement to claim. Ms Lau told the insurance company, she bought a travel agency liability insurance, insurance companies have no obligation to give her compensation. Ms Lau has to find tour, travel agencies, said Ms Lau's son was injured in a free time activity, not part of Travel Compensation. Ms Lau said with resignation: "do not all travel insurance, in the end where is the difference?"
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Interview the insurance industry, she told reporters, "travel agent liability insurance" and "travel accident insurance" is not the same. Mrs Lau to buy the "Travel Agency Liability Insurance." According to "travel agency liability insurance requirements," Travel insurance for visitors to "travel agency liability insurance", but "travel accident insurance" is a voluntary purchase tourists. "Travel agency liability insurance" is a travel agency for their own insurance, the insured, the insured, the beneficiaries are travel agents, travel agents responsible for causing tourists once suffered personal and property losses, insurance companies will assume liability. The "travel accident insurance" policy holders and beneficiaries are the tourists, travel agents, insurance processing procedures only on behalf of the tourists. Case of an accident, the interests of tourists will be protected.

Travel agencies generally agreed that many tourists for the insurance terms in clear terms. Because travel agency travel agency liability insurance, visitors have been on that since the insurance themselves do not have to be purchased separately. But in fact travel minimum liability insurance coverage, in most cases also a personal accident insurance personal travel areas; there are many tourists there for the insurance companies do not trust, that insurance policy is too vague and complex claims procedures, simply refused to insure . Moreover, the number of tourists to endemic reject the insurance that an accident happens, and will not turn his head, thus restricting the sale of travel insurance. According to the insurance industry, the general tourists usually travel insurance there are three errors:
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A misunderstanding, relying solely on travel agents, travel agents to send travel insurance that would include the accident insurance. However, travel agents are buying is in fact mandatory state travel agency liability insurance, travel insurance company which is engaged in tourism business activities, because of neglect or default of travel agents, resulting in the reception of the domestic and foreign tourists should suffer economic loss from the travel agency responsibilities transferred to the insurance company pay compensation insurance responsibility. When the accident no relationship with travel agencies, visitors can not get any of this travel agency liability insurance protection.

Mistakes 2, general personal accident insurance covers all accidents, but in fact the general personal accident insurance does not cover high risk activities. If you want to engage in bungee jumping, rock climbing, mountaineering, skiing high-risk activities, then most likely not be compensated after the accident.

Three errors, bought a regular insurance would not have to buy another vehicle other insurance. Travel by car because now become a fashion, even bought a common vehicle to travel insurance or other insurance prior to purchase. General insurance on motor vehicle third party liability insurance and vehicle damage insurance, and safety of the personnel on board could not guarantee such security, so, before traveling to fully take into account possible incidents, according to need some, such as car insurance personnel on the risks, in order to more effectively so that drivers and personnel with the car insurance.

by: gaga

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