\nTuristii rom\u00e2ni au cheltuit peste 1,9 miliarde de Euro \u00een 2016 pe pachete turistice \u00een str\u0103in\u0103tate, \u00een cre\u015ftere cu 3,6% fa\u0163\u0103 de anul anterior \u015fi aproape dublu fa\u0163\u0103 de anul 20092. Acest trend cresc\u0103tor reflect\u0103 totodat\u0103 \u015fi un risc poten\u0163ial mai mare la care se expun turi\u015ftii rom\u00e2ni, ce pot fi afecta\u0163i \u00een cazul intr\u0103rii \u00een insolven\u0163\u0103 a agen\u0163iilor de turism.<\/p>\n
\n\u00cen contextul \u00een care exist\u0103 un istoric \u00een care mai multe agen\u0163ii importante din industrie au intrat \u00een insolven\u0163\u0103, clien\u0163ii acestora nu au putut fi desp\u0103gubi\u0163i integral pentru sumele achitate pentru pachetele turistice \u00eentruc\u00e2t formele de asigurare existente pentru acoperirea riscului de insolven\u0163\u0103 a agen\u0163iilor de turism nu au avut limite de desp\u0103gubire corelate la nivel individual (turist) cu sumele achitate de c\u0103tre fiecare turist \u00een parte. Astfel, chiar dac\u0103 exist\u0103 o limit\u0103 global\u0103 de desp\u0103gubire per agen\u0163ie, aceasta nu se traduce neap\u0103rat \u00een acoperirea 100% a sumelor achitate individual de turi\u015ftii afecta\u0163i de intrarea \u00een insolven\u0163\u0103 a agen\u0163iilor. <\/p>\n
\n\u00cen acest sens, acoperirea InsoTRAVEL de la Gothaer se adreseaz\u0103 direct turi\u015ftilor care doresc s\u0103 se asigure c\u0103 pot s\u0103-\u015fi recupereze integral sumele achitate \u00een avans \u015fi \u00ee\u015fi selecteaz\u0103 limite de desp\u0103gubire corelate cu valoarea pachetelor achizi\u0163ionate. Astfel, InsoTRAVEL devine prima solu\u0163ie de asigurare care se apropie de cerin\u0163ele legislative europene care solicit\u0103 crearea unui cadru care s\u0103 \u00eendrept\u0103\u0163easc\u0103 turi\u015ftii la a recupera 100% din sumele pl\u0103tite \u00een avans agen\u0163iilor de turism care intr\u0103 \u00een insolven\u0163\u0103 \u015fi nu \u00ee\u015fi mai pot onora obliga\u0163iile contractuale fa\u0163\u0103 de clien\u0163i.<\/p>\n
\nInsoTRAVEL de la Gothaer nu \u00eenlocuie\u015fte asigurarea obligatorie pentru riscul de insolven\u0163\u0103 sau faliment pe care orice agen\u0163ie de turism trebuie s\u0103 o de\u0163in\u0103.<\/p>\n
\nAcoperirea InsoTRAVEL se poate achizi\u0163iona \u00een cadrul produsului de Asigurare de C\u0103l\u0103torie \u00een Str\u0103in\u0103tate de la Gothaer, \u00een termen de 5 zile de la data semn\u0103rii contractului cu agen\u0163ia de turism pentru cump\u0103rarea serviciilor\/ pachetului turistic \u015fi a asigur\u0103rii de c\u0103l\u0103torie. \u00cen func\u0163ie de valoarea pachetului turistic, limita de desp\u0103gubire poate ajunge p\u00e2n\u0103 la maximum 2.500 Euro, reprezent\u00e2nd contravaloarea maxim\u0103 a unui pachet turistic achizi\u0163ionat \u00een avans sau \u00een totalitate de client. Aceasta limit\u0103 este mai mult dec\u00e2t acoperitoare \u00een contextul valorilor medii ale pachetelor turistice achizi\u0163ionate \u00een str\u0103inatate, respectiv 550 Euro\/ persoan\u0103 pentru un pachet turistic de 7 zile care include transport \u015fi cazare3. <\/p>\n
\n\u201dNe adres\u0103m turi\u015ftilor care \u00ee\u015fi doresc ca vacan\u0163a s\u0103 r\u0103m\u00e2n\u0103 vacan\u0163\u0103 \u015fi s\u0103 nu fie afecta\u0163i \u00een cazul \u00een care agen\u0163ia de turism de la care \u015fi-au achizi\u0163ionat pachetul turistic intr\u0103 \u00een insolven\u0163\u0103 sau faliment. \u00cen\u0163elegem c\u0103 acest risc poate fi apreciat de turi\u015fti ca semnificativ \u015fi, \u00een calitate de asigur\u0103tor, suntem preg\u0103ti\u0163i s\u0103 \u00eel prelu\u0103m \u00een baza estim\u0103rilor de risc proprii \u015fi \u00een limitele disponibile\u201d, spune Mihu\u0163 M\u0103rculescu, manager department subscriere \u00een cadrul Gothaer Asigur\u0103ri Reasigur\u0103ri.<\/p>\n
\nLimitele de desp\u0103gubire acordate prin acoperirea InsoTRAVEL sunt corelate la nivel individual pentru fiecare poli\u0163\u0103 \u00een parte cu valoarea pachetului turistic achizi\u0163ionat, fiind \u00eens\u0103 disponibile turi\u015ftilor \u00een func\u0163ie de natura, complexitatea \u015fi dimensiunea activit\u0103\u0163ii agen\u0163iilor de turism de la care sunt achizi\u0163ionate pachetele turistice \u015fi al c\u0103ror risc de insolven\u0163\u0103 sau faliment se poate asigura. \u00cen acest context, la baza acestui produs se afl\u0103 un proces de analiz\u0103 \u015fi selec\u0163ie a riscului extrem de complex desf\u0103\u015furat de asigur\u0103tor, \u00een care, \u00een mod permanent, capacitatea de subscriere a acestuia este calibrat\u0103 pentru a putea asigura acoperirea integral\u0103 a r\u0103spunderilor asumate.<\/p>\n
\n\u201cNu orice turist poate s\u0103 evalueze corect probabilitatea ca o agen\u0163ie de turism s\u0103 intre \u00een insolven\u0163\u0103 sau faliment a\u015fa c\u0103, venind la noi pentru o asigurare InsoTRAVEL, pe l\u00e2ng\u0103 faptul c\u0103 \u00ee\u015fi protejeaz\u0103 banii pl\u0103ti\u0163i \u00een avans, scap\u0103 \u015fi de tot acest proces de analiz\u0103 sau selec\u0163ie. Evident, fiind vorba de o asigurare, transferul de risc se face \u00een condi\u0163iile \u00een care, conform propriilor analize de risc, posibilitatea apari\u0163iei riscului asigurat r\u0103m\u00e2ne incert\u0103, aleatorie \u015fi viitoare,\u201d a mai precizat Mihu\u0163 M\u0103rculescu.<\/p>\n
\n\u201cVorbim de preluarea unui risc cu o inciden\u0163\u0103 ridicat\u0103 manifestat\u0103, unde probabil solu\u0163iile disponibile de asigurare existente p\u00e2n\u0103 la acest moment au fost corelate \u015fi cu gradul de risc ridicat. Rezultatul este o bre\u015f\u0103 resimtit\u0103 de client, care din p\u0103cate, nu reu\u015fe\u015fte \u00eentotdeauna s\u0103 \u00ee\u015fi vad\u0103 serviciile achitate protejate 100%. Tocmai de aceea, \u00een func\u0163ie de capacit\u0103\u0163ile pe care le avem disponibile pentru protejarea clien\u0163ilor care \u00ee\u015fi achizi\u0163ioneaz\u0103 acest produs de la Gothaer, garant\u0103m desp\u0103gubirea integral\u0103 a sumelor avansate de turi\u015fti \u00een cazul intr\u0103rii \u00een insolven\u0163\u0103 sau faliment a agen\u0163iilor de turism de la care \u015fi-au achizi\u0163ionat pachetele turistice\u201d, a declarat Anca B\u0103b\u0103nea\u0163\u0103, CEO Gothaer Asigur\u0103ri Reasigur\u0103ri.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
Vara anului trecut, dar \u015fi \u00eenceputul de an, au readus \u00een aten\u0163ie o problem\u0103 important\u0103 pentru industria de turism din Rom\u00e2nia: lipsa unei solu\u0163ii cuprinz\u0103toare de asigurare care s\u0103 permit\u0103 recuperarea integral\u0103 a pierderilor financiare suferite de turi\u015fti ca urmare a insolven\u0163ei sau falimentului agen\u0163iilor de turism, sesizeaz\u0103 reprezentan\u0163ii Gothaer \u00eentr-un comunicat de pres\u0103. <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[170,10440,7467,32562,7920,7664,11056,34987,303,274,474,9008,47,26871,244,12074],"class_list":["post-147932","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-achizitie","tag-agentii-de-turism","tag-asigurare","tag-comunicat","tag-despagubiri","tag-faliment","tag-financiar","tag-gothaer","tag-important","tag-incepere","tag-industrie","tag-insolventa","tag-lansare","tag-protejare","tag-turism","tag-turisti"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/147932","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=147932"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/147932\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=147932"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=147932"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=147932"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}