Transcription
TOUR OPERATORPASSENGER LIABILITYRISK SOLUTIONS COVERING PASSENGERLIABILITIES DURING PRE AND POSTJOURNEY, SHORE EXCURSIONS AND OTHEROFF-SHIP ACTIVITIES.1
IN A WORLD OF INCREASING COMPLEXITY,GARD’S OBJECTIVE IS TO HELP OUR MEMBERSAND CLIENTS MANAGE THE TOTALITY OFTHEIR EXPOSURES – BOTH TO EXISTING ANDDEVELOPING RISKS.2
PROVIDING THE WIDEST RANGEOF RISK SOLUTIONSAs a multi-line insurer – with thestrongest rating in the marinemarket – Gard is uniquely positionedto understand how risks fit togetherand identify the best choice ofproducts, ensuring seamlesscoverage and service.Dedicated dutyphones in all offices24/73Innovation has always been acornerstone of Gard’s businessmodel and, over the years, we haverefined and extended our standardproducts and introduced a rangeof additional products, respondingto special needs and requirementsfrom different parts of the marineindustry.Gard’s tour operator passengerliability cover is a bolt-on cover tostandard P&I, responding to eventsnot arising in direct connection withthe operation of the ship.Further information can be found onour webpage (www.gard.no) underProducts, or from your usual contact.
SCOPE OF COVERLiabilities under transportationlegislation in respect ofPASSENGERILLNESS OR INJURYRisks coveredLiabilities under governingtransportation legislation in respect of: Illness or death of or personalinjury sustained by the passenger. Loss of or damage to thepassenger’s property and fordelay in the carriage of thepassenger.Liabilities under the EU Directive inrespect of Repatriation of the passenger. Accommodation andmaintenance on shore followingsuch repatriation of thepassenger.The cover extends to pre andpost journey transportation, hotelaccommodation and shore-sideexcursions/activities prior to, duringor after the sea journey. The insuredevents need not arise in directconnection with the ship.4Important exclusions Passenger liabilities recoverableunder the P&I cover cannot beinsured under the tour operatorpassenger liability. The Insurer shall not cover refundof passenger money, substitutecruises, future cruise discounts orsimilar means of restitution.Limit of cover USD 10 million per event (higherlimits by special agreement).Who can be covered? Gard clients/Members withunderlying P&I cover.
CASE STUDIESInjury at inland hotel betweenferry crossingsA French passenger purchases apackage tour from a Paris travel agent.The tour includes ferry transportationfrom Denmark to Norway, one weekat a luxury hotel and a return seapassage to France via Denmark.Whilst at the hotel, the passengersustains a slip and fall injury whengetting into a jacuzzi. It is later foundthat the jacuzzis were in generallypoor condition. Instead of suing theowner of the Norwegian hotel, thepassenger sues his travel agent underthe French Package Tour Act. Theagent passes the claim on to the touroperator, who decides to settle quicklyto avoid mounting legal costs.5The Gard solutionThe Gard solutionThe liability did not arise from a directconnection with the operation ofthe ship and would fall outside thescope of P&I cover. However, touroperator insurance covers passengersbefore and after the sea journey, sowould respond to any legal liabilityin connection with the injury. Gardautomatically acquires the right ofrecourse against any third party, suchas the hotel in Norway.The client would need the touroperator cover to respond to liabilityfor those passengers waiting ashore(P&I cover would only respondto liability for passengers thathave already boarded the vessel).Tour operator cover would alsorespond to extra costs for additionalaccommodation (food expenses,lodging etc.) if the trip is cancelleddue to the hurricane.Extraordinary expenses dueto delayA package tour offered by the clientincludes flights and one night’saccommodation at the embarkationport. A hurricane delays thevessel’s arrival in port. The clientincurs expenses accommodatingpassengers for an extra hotelnight while waiting ashore, andrebooking flights for those whosedisembarkation is delayed.
THE GARD GROUPLingard LimitedTrott & Duncan Building17A Brunswick StreetHamilton HM 10BermudaPO Box HM 3038Hamilton HM NXBermudaTel: 1 441 292 6766Email: companymail@lingard.bmGard ASKittelsbuktveien 31NO-4836 ArendalPO Box 789 StoaNO-4809 ArendalNorwayTel: 47 37 01 91 00Email: companymail@gard.noGard ASSkipsbyggerhallenSolheimsgaten 11NO-5058 BergenNorwayTel: 47 37 01 91 00Email: companymail@gard.noGard ASDronning Eufemias gt 6NO-0191 OsloPO Box 1271 VikaNO-0111 OsloNorwayGard (Japan) K.K.Kawade Building, 5F1-5-8 Nishi-ShinbashiMinato-kuTokyo 105-0003JapanTel: 47 37 01 91 00Email: companymail@gard.noTel: 81 3 3503 9291Email: gardjapan@gard.noOy Gard (Baltic) AbBulevardi 46FIN-00120 HelsinkiFinlandGard (Japan) K.K.Vogue 406,3-9-36 Higashimura, Imabari-city,Ehime 799-1506JapanGard Marine & Energy- Escritóriode Representação no Brasil LtdaRua Lauro Muller 116 – suite 2402Botafogo, 22290-160,Rio de Janeiro, RJ,BrazilTel: 81 898 35 3901Email: gardjapan@gard.noTel 55 (21) 3037 9764Email gardbrasil@gard.noTel: 358 30 600 3400Email: gardbaltic@gard.noGard (Greece) Ltd2, A. Papanastassiou Avenue185 34 KastellaPiraeusGreeceTel: 30 210 413 8752Email: gard.greece@gard.noGard (HK) LimitedRoom 3003, 30/FThe Centrium60 Wyndham StreetCentralHong KongTel: 852 2901 8688Email: gardhk@gard.no6Gard (North America) Inc30 Broad StreetNew YorkNY 10004-2944USATel: 1 212 425 5100Email: gardna@gard.noGard (Singapore) Pte. Ltd.72 Anson Rd#13-02 Anson HouseSingapore 079911SingaporeTel: 65 3109 1800Email: gardsingapore@gard.noGard (UK) Limited7 BishopsgateLondon EC2N 3ARUnited KingdomTel: 44 20 7444 7200Email: garduk@gard.noCovering the globeand all major time zones13OFFICES
PROVIDING A WORLD CLASS SERVICEA large claims organisationwith industry experts200 CLAIMS HANDLERSBERGEN OSLOHELSINKIARENDALLONDONNEW YORKTOKYOIMABARIPIRAEUSHONG KONGBERMUDASINGAPORERIO DE JANEIRO7
WWW.GARD.NOSocial iconRounded squareOnly use blue and/or white.For more details check out ourBrand Guidelines.8
the French Package Tour Act. The agent passes the claim on to the tour operator, who decides to settle quickly to avoid mounting legal costs. The Gard solution The liability did not arise from a direct connection with the operation of the ship and would fall outside the scope of P&I cover. However, tour-operator insurance covers passengers
