我国旅行社责任保险立法及实务中存在的问题和解决对策

2011年颁布的《旅行社责任保险管理办法》对旅游领域的旅行社责任保险做出新的强制性性规定,新规的出台对于保护旅游事故受害人利益、预防和减少旅游事故发生将发挥重要作用。但作为承载着法律正义价值的旅行社责任保险制度,其在立法及实务中仍存在着保险人承担保险给付性质界定不明、承保责任范围不严谨、除外责任条款欠缺、受害人利益保护不充分等问题。本文试图从扩展旅行社责任保险承保范围,规范旅行社责任保险除外责任条款,强化受害第三人保护机制方面探索解决对策,以期对我国旅行社责任保险法律制度的进一部完善有所裨益。

The Problems about Legislation of Travel Agency Liability Insurance and Solutions

The Regulation about Travel Agency Liability Insurance promulgated in 201 1 has made the new compulsory regulations on the field of travel liability insurance.The new regulations will play an important role in protecting the tourism accident victim’s interest,preventing and reducing accidents.Although the travel agency liability insurance system bears legal justice value,its legislation and practice still have some problems such as the unknown of the nature of insurance payment about the insured,the coverage being unclearly defined,the deficiency of clau-ses of excluded liability,and the interests of victims being inadequate.In order to improve the legal system of travel agency liability insurance,this paper attempts to explore solutions from these respects on extending the travel agen-cy liability insurance coverage,thus regulating the insurance exclusion clause,and strengthening the protection of the third victim.