Tour operators Fee insurance round sum

Last Thursday the State Duma passed the third reading a bill to increase fingaranty for tour operators. Innovation has become a real headache for travel companies who are now trying to estimate how much it will cost the same new fingarantii and how many have to pay extra for them to insurers this year.

Cost fingaranty or the amount of premiums insurers set taking into account the reliability of the tour operator and its insurance history. In this they are guided by the minimum tariffs, approved Rosstrahnadzorom. For tour operators working in the field of international tourism, with a minimum tariff reduction factor is equal to 0,961% of the sum insured. Typically, insurance rates for most companies, roughly, and is and is within 1%. And if the former fingaranty 10 million rate reached about 100 thousand, then it will be new, respectively, 300 thousand rubles - to 30 million, 600 thousand - for 60 million and 1 million rubles for fingaranty of $ 100 million.

It is worth noting that for all time the law of fingarantiyah (2 years), insurance companies, insurance payments not more than 10% of premiums collected from tour operators. This situation gives the full right to call the tourist business fingarantii imputed tax in favor of the insurance business.

With regard to the minimum insurance rate, then change it suggested some time ago. Adoption of a new law providing for a completely different size fingaranty differentiation, this only helps. With the increase of the sum insured graduation rates, are likely to be less. For example, if today the price for tour operators is about 1% of the amount of 10 million rubles, it is quite possible that for $ 30 million he will make 0,8-0,9%, to 60 million rubles - 0, 5-0, 7%, and for 100 million rubles - 0,3-0,5%.

But while the minimum fare remains the same, which means tour operators will have 60 days after the entry into force of the new law to increase fingarantii until new amount, and, most likely, according to the old rates. The greatest financial burden on small companies will suffer, for which fingarantii $ 30 million, and which seems to be an absolute majority.

A major tour operators as new fingarantii would get almost nothing, because insurers interested in financial flows for health insurance of tourists from these companies.

Thus, if the minimum insurance rate will remain unchanged, the annual fingarantii 30 million rubles will cost travel companies on average 300 thousand rubles. Given that legislation to raise fingaranty enter into force on 1 July, the tour operator will have to pay for them before the fall. Most of the contracts of companies fingarantiyam operate from 1 June, so that the extra cost will have only nine months. When the amount of insurance to 30 million rubles this surcharge will amount to a round sum - about 200 thousand rubles. And even if insurers offer a discount to tour operators to keep them at home, this amount is still not significantly reduced.