Risk Coverage Certificate For Package Tours

Travel agents are obliged to provide insolvency protection (§ 651a ff German Civil Code (BGB)). This is generally described as client's money protection or an insurance voucher. As legally required, we are of course insured against the risk of insolvency, with the company tourVERS in Munich. We will send you an insurance voucher with your order confirmation/invoice. Please find below the translation of this insurance voucher, which you will receive in German with your booking confirmation:

Risk Coverage Certificate for Package Tours
Pursuant to § 651k of the Civil Code
Tour operator: Die Versteckte Toskana-Hidden Italy, owner Bettina Röhrig
Policy number: 11 30 29 13 20

This risk coverage certificate shall only be applicable to journeys commenced up to and including 31st December (year). The risk coverage certificate is not transferable. It shall be solely applicable to those travellers named in the booking confirmation overleaf.

The insurer covering for the clients' money named on the right (HanseMerkur Reiseversicherung AG, hereinafter referred to as HMR) guarantees for the tour operator named on the overleaf vis-à-vis the traveller that it will reimburse:

1. the tour price, provided that tour services are not rendered due to insolvency or institution of insolvency proceedings against the tour operator's assets, and
2. necessary expenses the traveller incurs for his/her return journey due to insolvency or institution of insolvency proceedings against the tour operator's assets.

The aforementioned liability of HMR shall be limited. HMR shall be liable for the total amounts to be reimbursed by it within one year up to and including an amount of EUR 110 million. If said total amount is insufficient for all travellers, the amount reimbursed shall be reduced according to the ratio of the total amount to the maximum amount. The reimbursement of any amounts due shall be effected at the end of the year (November 1 to October 31) in which the claim has occurred.

Tourvers
Touristik-Versicherungs-Service GmbH
Elisenstraße 3
80335 Munich
Germany
Phone: +49 89 54 90 50-0

If you have any queries, please contact the above address.
In the event of damage, please contact:
HanseMerkur Reiseversicherungs AG
Siegfried-Wedells-Platz 1
20354 Hamburg
Germany
Phone: +49 180 50 66 600

HanseMerkur
Reiseversicherung AG

Management board members: Hans Geisberger, Detlef Jahrke, Heiko Mohr, Manfred Schoss - Supervisory board: Fritz Horst Melsheimer (chairperson) - Commercial register: Hamburg B 19768 - HanseMerkur Reiseversicherung AG, Siegfried-Wedells-Platz 1, 20354 Hamburg, Germany, Phone: +49 40 4119-0

Back of the risk coverage certificate:
"In the event of damage or upon occurrence of a claim, the traveller shall undertake to keep the cost arising for his/her return journey as low as possible and to accept any offers made by HMR for the inexpensive return of the traveller, unless it is possible for the traveller to return at a lower cost."