LEGAL NATURE OF FINANCIAL SECURITY OF TOUR OPERATORS’ LIABILITY IN RUSSIA

The article analyzes the institute of financial security of liability tour operators, introduced in the Russian legislation to replace licensing of tour operator and travel agent activities. The paper analyzes the institute of financial security of tour operators, introduced in the Russian legislation to replace licensing tour operator and travel agent activities. The results show that the law is aimed at changing methods of the state influence on the tourist industry as well as at ensuring financial protection of the rights and legitimate interests of the consumers. In addition, the aim of the legislators was to achieve compliance of the Russian legislation with the norms and principles of the International Law as well as with the Law of the European Union and the legislation of a number of the European countries, which have practice of legal regulation in the tourist industry. The authors conclude, that the legal problem today is choosing the exact definition of the tour operator’s responsibility out of the two provided by the law. They are liability insurance under the contract or liability insurance of the tour operator for causing harm. The authors demonstrate that the Law on tourist activity establishes a complex legal structure of contractual liability, under which a tour operator enters into a contract on implementation of the tourist products with a travel agent. This travel agent, in turn, is a performer in dealing with the customer, as he enters into contracts on implementation of the tourist products on his own behalf. Accordingly, the consumer who has no contractual relations with the tour operator is a beneficiary. The authors conclude that the contract on insurance liability of the tour operator includes two separate types of insurance: liability insurance of tour operators for violation of the tourism product implementation and liability insurance for causing harm resulting from defects of the provided services. Therefore, it allows considering this type of the contract to a combined insurance.

финансовые гарантии в сфере туризма, страхование договорной ответственности туроператоров, ответственность за причинение вреда туристам, недостатки услуг в туризме, комбинированное страхование, financial guarantees in the tourism industry, insurance of contractual liability for tour operators, liability for causing harm to tourists, defective services in the tourism industry, combined insurance

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