Travel cancellation insurance

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A travel cancellation cost insurance (RRV) , also known as travel cancellation insurance in Austria , is travel insurance that is taken out to avert cancellation costs in the event that a trip has to be canceled at short notice and unexpectedly. The tour operator or the airline usually charge a customer a pro- rated cancellation fee . These can make up the entire travel price . A travel cancellation insurance covers these costs in the event of cancellation for an insured reason. Insured reasons are, for example, death, a serious accident injury , an unexpected illness , vaccination intolerance and much more. The reimbursement of cancellation fees in the event of a cancellation due to an existing defect is excluded in most cases.

According to § 6 Paragraph 2 No. 9 BGB-InfoV (no longer in force), tour operators in Germany had to inform their customers of the possibility of such an insurance with the travel confirmation. The regulation was introduced on the basis of the regulation in Art. 4 (1) of the EC Directive 90/314 / EEC, which is the same in content . A breach of the obligation to provide information from the BGB information obligation regulation can lead to claims for damages . In Austria, this obligation exists on the basis of § 3 of the exercise regulations for the travel agency industry, version dated June 20, 2016.

bonus

The price of travel cancellation insurance depends on the amount of the travel price, the scope of the insured reasons that lead to a reimbursement, the deductible and the sales costs and profit margins of the provider. As a rule, between 3 and 5% of the travel price has to be paid.

Closing deadlines

Every insurer has different closing dates. It makes sense to take out the insurance directly when booking or within 14 days of booking the trip. However, the deadlines of the insurers vary greatly, this is particularly important when taking out the insurance.

Deductible

Some providers have agreed a deductible in their contracts. This can amount to up to 25% of the travel price.

insurer

Travel cancellation insurance is usually offered directly by the tour operator when booking a trip, but it can also be taken out directly with an insurance company independently of the trip. In a test, Stiftung Warentest found that some of the insurance policies offered by the insurers offer more benefits (e.g. no deductible) and are sometimes cheaper. There are also annual travel insurance policies that include travel cancellation insurance.

Double insurance

A number of insurance packages (e.g. golden credit cards ) contain flat-rate travel cancellation insurance, in some cases provided that the trip was paid for with the card. In these cases, it may be unnecessary to take out separate travel cancellation insurance. In the event of damage, the provisions of Section 78 of the Insurance Contract Act apply , d. In other words, the policyholder only receives the benefit once.

Individual evidence

  1. ↑ Directive 90/314 / EEC on EUR-Lex .
  2. ↑ BGH judgment v. July 25, 2006, Az. X ZR 182/05
  3. ↑ RIS - 10008014 - Consolidated Federal Law, version dated October 3, 2019. Retrieved October 3, 2019 .
  4. ↑ Test of travel cancellation and travel interruption insurance. In: Finanztest 2/2013, pp. 66–73 and test.de, January 29, 2013.

literature

  • Hubert W. van Bühren, Irmtraud Nies: Travel insurance. Resignation - demolition - sick - luggage. 3rd edition, CH Beck, Munich 2010, ISBN 978-3-406-58531-9 (comment)