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Percentage of non-departure
The TA girl told me that when applying for the first Schengen visa, the agency will take some percentage (almost 5%) as insurance against non-departure. Is it so? *Taking into account that I have repeatedly contacted her with the purchase of vouchers to non-visa countries
Translated automatically from Russian. View original
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Answers • 33
this is true. I won’t tell you the exact amount, but the insurance is taken % from non-departure
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answered 13 years ago
sandra-art, in the version that I was told - almost 20-25% ... a bit too much (
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answered 13 years ago
Travel cancellation insurance for certain tours is established by the Tour Operator. So the TA girl will not be able to help you in any way, despite repeated appeals to her.
Look for a similar tour in another Tour Operator, where tours are not insured, if you are so confident in yourself that nothing will fail and you will definitely leave.
Tours are insured so that you do not lose the cost of the tour in case of cancellation of the trip.
Look for a similar tour in another Tour Operator, where tours are not insured, if you are so confident in yourself that nothing will fail and you will definitely leave.
Tours are insured so that you do not lose the cost of the tour in case of cancellation of the trip.
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answered 13 years ago
Do insurance companies provide services such as insurance?
the risk of not leaving the country (this is at your discretion). To obtain a Schengen visa, only medical insurance is required, and, in addition to the period for which you are traveling, an additional one for the same period further. I had to buy more near the Visa Center. If you are sure that with documents for a visa are all right and the risk of a return is minimal, then it is not necessary to take travel insurance. Embassies do not require this. TA is not engaged in insurance. 25% is a swindler.
the risk of not leaving the country (this is at your discretion). To obtain a Schengen visa, only medical insurance is required, and, in addition to the period for which you are traveling, an additional one for the same period further. I had to buy more near the Visa Center. If you are sure that with documents for a visa are all right and the risk of a return is minimal, then it is not necessary to take travel insurance. Embassies do not require this. TA is not engaged in insurance. 25% is a swindler.
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answered 13 years ago
The percentage is taken not by the agency, but by the insurance company, this is a voluntary-compulsory matter, but in fact it will be in your interests to make insurance against your own recognizance. In case of refusal to issue a visa to you, the money for the tour will be returned. The cost of insurance is always different, it is calculated either as a percentage of the cost of the tour, or in USD. also from the cost of the tour (for example, 10 USD with the cost of the tour from 1,500 USD)
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answered 13 years ago
I’ll just add, not by a tour operator, but by an insurance company that will look at whether there are valid reasons for not leaving (this must be looked at in the insurance policy).
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answered 13 years ago
Thanks everyone for the quick response. Think I'll see. I will count))
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answered 13 years ago
To alex45 Do not confuse simply opening a Schengen visa and buying a tour with opening a Schengen visa.
Some tour operators insure their visa tours and without this insurance you cannot book a tour, but of course a small amount is taken (10-16 USD).
So, who asked the question, either agree to this amount or look for offers from another Tour Operator without obliging travel insurance.
Some tour operators insure their visa tours and without this insurance you cannot book a tour, but of course a small amount is taken (10-16 USD).
So, who asked the question, either agree to this amount or look for offers from another Tour Operator without obliging travel insurance.
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answered 13 years ago
I read - "issuing the first Schengen visa" and given that I only received it, I give information, and tour operator insurance at 25%, you know better, here you are a great expert, I don’t want to argue with you! And I repeat, I wanted to I would like to know, do tour operators insure themselves or is it insurance companies (give an exact reference)?
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answered 13 years ago
The insurance company itself cannot interfere with the activities of the Tour Operator.
Naturally, the Tour Operator concludes an agreement with the Insurance Company in order to save itself from all kinds of claims of tourists in cases of refusal of the tour.
From the very beginning, the girl messed up something with the amount, let her clarify.
And as for "here you are a great expert", then you are in vain, I do not attribute myself to those.
I just know a little more for you, since I have a lot of people pass, and I do not speak only from my personal experience (like you), but I have been doing this every day for 10 years.
Naturally, the Tour Operator concludes an agreement with the Insurance Company in order to save itself from all kinds of claims of tourists in cases of refusal of the tour.
From the very beginning, the girl messed up something with the amount, let her clarify.
And as for "here you are a great expert", then you are in vain, I do not attribute myself to those.
I just know a little more for you, since I have a lot of people pass, and I do not speak only from my personal experience (like you), but I have been doing this every day for 10 years.
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answered 13 years ago
Lanochk, you will ask the girl from the agency to clarify the situation, how this same insurance is calculated. But, I'll tell you, 5,000 r. too much. From the amount of 20 000 rub.-25 000 rub. goes somewhere around 400-500r. (this is if you take% of the cost you specified)
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answered 13 years ago
To lanochk Write what you order, which Tour Operator, from what date, for how many days, for how many people.
I will calculate you the amount of insurance against non-departure.
I will calculate you the amount of insurance against non-departure.
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answered 13 years ago
I don’t want to argue with you either, but yours - “I have been working for 10 years and know you a little more” does not convince me. Your words - “the tour operator insures”, but it turned out to be lower (your words) that the insurance company. confused? The fact that TA take on assistance in obtaining a Schengen visa, but they cannot explain to a person. What is travel insurance. and from such a manager, a rejection of the Schengen from scratch. Here, of course, travel insurance will help, the insurance company will pay anyway. And, oresta, you have recently developed some kind of edifying and patronizing tone, this does not suit you ( a small criticism of you)
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answered 13 years ago
Excuse me, but to the embassy of which country will you apply? Where are you going then?
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answered 13 years ago
And who doesn’t understand, the insurance company insures a hundred? And that the Tour Operator concludes a contract? And if I wrote that the Tour Operator insures, then why do you find fault with words?
The sum insured is included in the ticket price! And how there are already calculations between them, you should not be interested. You either agree to buy from this tour operator or are looking for another one.
And if the girl from TA calculated incorrectly, then I said that such insurance costs differently in TO 10-16 USD. e.
No one deceived her, she has not ordered anything yet, she just took an interest and asked you a question (she wrote to me in a personal).
And you help to your health, you are doing a good deed, but do not be offended, I will sometimes correct you if there are inaccuracies in your answers.
Since I have more experience in these matters, and people do not need personal experience, the right answer.
The sum insured is included in the ticket price! And how there are already calculations between them, you should not be interested. You either agree to buy from this tour operator or are looking for another one.
And if the girl from TA calculated incorrectly, then I said that such insurance costs differently in TO 10-16 USD. e.
No one deceived her, she has not ordered anything yet, she just took an interest and asked you a question (she wrote to me in a personal).
And you help to your health, you are doing a good deed, but do not be offended, I will sometimes correct you if there are inaccuracies in your answers.
Since I have more experience in these matters, and people do not need personal experience, the right answer.
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answered 13 years ago
And, sorry, don’t be offended that I have already found inaccuracies in your answers, despite your rich experience, and mine is small, but personal. My personal one says that if all the documents are collected, without chemistry, so to speak, then Schengen can be perfectly obtained without the help of TA.
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answered 13 years ago
That alex45 The girl went to TA not to make a Schengen visa, but to buy a bus tour to the Czech Republic.
And you can't do without an agency.
And most tourists go to TA, and do not go on their own.
And you can't do without an agency.
And most tourists go to TA, and do not go on their own.
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answered 13 years ago
And yet, in order to finish this question, so that there is a correct answer. "The sum insured is included in the price of the tour" and that, in the contract from TO there is a clause on the return of money if you do not leave or insurance is attached, in addition to medical, and which tour operator it is, if it's easy to answer.
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answered 13 years ago
Well, if it's the Czech Republic or Poland, then I have no questions.
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answered 13 years ago
In the confirmation of the tour booking there is a column that the person has medical insurance and another column - insurance against non-departure.
In the contract, when a person first applies, it is stipulated that the person is insured against not leaving, but no insurance is issued, medical insurance is issued in a package before departure.
In TO from Kyiv, I have not seen such tours with an obligation to insure against not leaving (you can only at the request of the tourist).
And from Moscow, in terms of maintenance, such requirements exist. If you want to book, if you want, look for another MOT.
In the contract, when a person first applies, it is stipulated that the person is insured against not leaving, but no insurance is issued, medical insurance is issued in a package before departure.
In TO from Kyiv, I have not seen such tours with an obligation to insure against not leaving (you can only at the request of the tourist).
And from Moscow, in terms of maintenance, such requirements exist. If you want to book, if you want, look for another MOT.
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answered 13 years ago
Bullshit. It's just that flies are mixed with meatballs here: travel insurance and a Schengen visa are absolutely unrelated things. I completely agree with alex45, it is better to separate the flies from the cutlets and apply for a Schengen visa, and then, with a visa in hand, select a tour to your taste.
And for lanochk, I can advise you to change this "girl from TA" to a less cunning one, since there are a lot of them now.
And for lanochk, I can advise you to change this "girl from TA" to a less cunning one, since there are a lot of them now.
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answered 13 years ago
Not all people want and know how to visit embassies.
Basically, people believe that everyone should mind their own business.
They come to the TO and demand a full package of services.
And even if you only need a Schengen visa, they also go to the agency, because they are afraid to make a mistake in filling out the questionnaire, they are afraid of refusals.
No need to measure by yourself, sometimes beginner tourists who have no idea about embassies or documents ask here.
Therefore, it is sometimes easier for them to have someone do it for them.
Basically, people believe that everyone should mind their own business.
They come to the TO and demand a full package of services.
And even if you only need a Schengen visa, they also go to the agency, because they are afraid to make a mistake in filling out the questionnaire, they are afraid of refusals.
No need to measure by yourself, sometimes beginner tourists who have no idea about embassies or documents ask here.
Therefore, it is sometimes easier for them to have someone do it for them.
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answered 13 years ago
Yeah. Heaped up. And the question was quite simple.
True, a chain of delusions appeared.
1. Standard insurance against non-departure covers all cases of non-departure - refusal to issue visas, illness, the boss recalled from vacation, etc. We sometimes insure when traveling to countries with a simplified visa regime. We advise everyone who travels with children and buys a tour in advance to insure.
2. In fact, the operator does not care whether the tourist is insured against not leaving the country or not. The operator simply declares in the agency agreement with the agent, and the agent in the agreement with the tourist, that in case of refusal to issue a visa, fines amount to 100% of the cost of the tour. Since he cannot take on the losses associated with the refusal of a visa (seats on the bus / plane remain empty, hotel reservations are paid). Since the operator does not want to look extreme at the same time, he offers to insure against his own recognizance.
3.
In the same way, those who applied for a visa on their own and did not receive it also lose money. The non-refundable part of the cost of air tickets is lost (for low-cost airlines - the entire price) and some part of the cost of booking a hotel, cruise, etc. Those. Everyone has losses when they refuse a visa, regardless of the method of travel.
True, a chain of delusions appeared.
1. Standard insurance against non-departure covers all cases of non-departure - refusal to issue visas, illness, the boss recalled from vacation, etc. We sometimes insure when traveling to countries with a simplified visa regime. We advise everyone who travels with children and buys a tour in advance to insure.
2. In fact, the operator does not care whether the tourist is insured against not leaving the country or not. The operator simply declares in the agency agreement with the agent, and the agent in the agreement with the tourist, that in case of refusal to issue a visa, fines amount to 100% of the cost of the tour. Since he cannot take on the losses associated with the refusal of a visa (seats on the bus / plane remain empty, hotel reservations are paid). Since the operator does not want to look extreme at the same time, he offers to insure against his own recognizance.
3.
In the same way, those who applied for a visa on their own and did not receive it also lose money. The non-refundable part of the cost of air tickets is lost (for low-cost airlines - the entire price) and some part of the cost of booking a hotel, cruise, etc. Those. Everyone has losses when they refuse a visa, regardless of the method of travel.
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answered 13 years ago
4. As a rule, insurance of this type does not exceed 2-3% of the cost of the tour. And it's usually voluntary. All this information is public. Anyone can see it on the website of the operator whose tour is being considered.
5. The relationship between the insurance company and the operator is as follows. The operator acts as an agent of the insurance company. This is a generally accepted, legal, civilized scheme of work in the insurance market. As much as some people don't like the word "agent".
There is no need to blame operators and agents without understanding the situation. Previous similar discussions in 90% of cases ended with the fact that the tourist himself wrote unverified or erroneous information.
For example, let's ask lanochk to write the name of the operator whose tour she is going to buy.
5. The relationship between the insurance company and the operator is as follows. The operator acts as an agent of the insurance company. This is a generally accepted, legal, civilized scheme of work in the insurance market. As much as some people don't like the word "agent".
There is no need to blame operators and agents without understanding the situation. Previous similar discussions in 90% of cases ended with the fact that the tourist himself wrote unverified or erroneous information.
For example, let's ask lanochk to write the name of the operator whose tour she is going to buy.
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answered 13 years ago
Thank you, chewed on the points in an accessible and clear way.
Now insurance is obligatory for all tours in Intertravel Stoleshniki (Moscow), I sometimes use their free software, earlier in the UAE Capital Tour 16 USD was added. per person to the price of the tour.
Now insurance is obligatory for all tours in Intertravel Stoleshniki (Moscow), I sometimes use their free software, earlier in the UAE Capital Tour 16 USD was added. per person to the price of the tour.
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answered 13 years ago
Another thing that caught my eye: Natalie Tours, with a flight from Kyiv to the UAE, offers (voluntarily) to insure against not leaving. 2.8% of the tour price.
Turtesse offers voluntary financial risk insurance:
Country: Insurance payment
for 1 person, UAH Sum insured
for 1 person, UAH
Turkey, Egypt 50.00 4,000
Israel, UAE, Thailand 90.00 8,000
Everything for you, tourists, so that your finances are whole!
Turtesse offers voluntary financial risk insurance:
Country: Insurance payment
for 1 person, UAH Sum insured
for 1 person, UAH
Turkey, Egypt 50.00 4,000
Israel, UAE, Thailand 90.00 8,000
Everything for you, tourists, so that your finances are whole!
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answered 13 years ago
Ugly copied: Country Turkey, Egypt-fear payment 50 gr. The sum insured is 4000 gr.
Country Israel, UAE, Thailand fear payment 90 gr. The sum insured is 8000 gr.
Country Israel, UAE, Thailand fear payment 90 gr. The sum insured is 8000 gr.
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answered 13 years ago
* I even sighed .. I didn’t expect such a surge to come out.
1. I didn’t book a tour, but just sounded the info about a bus tour for August towards the Czech Republic or something nearby .. I wanted to take a simpler option for opening a Schengen visa.
2. The option is simple - for 2 adults, BB or HB, preferably without night crossings. The tour operator was not specified.
3. The girl from the TO told me that for 1 ticket 20-25 tr (with a departure from our city - not M. and not St. Petersburg.) travel insurance is 5 tr. * I now began to doubt - for a person or for two.
After reading your messages, dear experts, I was convinced once again - before you go somewhere outside the city, you need to know everything more than well) *smiled.
Thank you. I mean, it's fair.)
**By the way, I didn't blame TA or THAT..I was just curious, because I was a little stressed by the indicated amount.
1. I didn’t book a tour, but just sounded the info about a bus tour for August towards the Czech Republic or something nearby .. I wanted to take a simpler option for opening a Schengen visa.
2. The option is simple - for 2 adults, BB or HB, preferably without night crossings. The tour operator was not specified.
3. The girl from the TO told me that for 1 ticket 20-25 tr (with a departure from our city - not M. and not St. Petersburg.) travel insurance is 5 tr. * I now began to doubt - for a person or for two.
After reading your messages, dear experts, I was convinced once again - before you go somewhere outside the city, you need to know everything more than well) *smiled.
Thank you. I mean, it's fair.)
**By the way, I didn't blame TA or THAT..I was just curious, because I was a little stressed by the indicated amount.
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answered 13 years ago
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