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By purchasing insurance policies, individuals and businesses can receive reimbursement for losses due to car accidents, theft of property, and fire and storm damage; medical expenses; and loss of inco.The insurance industry provides protection against financial losses resulting from a variety of perils. By purchasing insurance policies, individuals and businesses can receive reimbursement for losses due to car accidents, theft of property, and fire and storm damage; medical expenses; and loss of income due to disability or death.The insurance industry consists mainly of insurance carriers (or insurers) and insurance agencies and brokerages. In general, insurance carriers are large companies that provide insurance and assume the risks covered by the policy. Insurance agencies and brokerages sell insurance policies for the carriers. While some of these establishments are directly affiliated with a particular insurer and sell only that carrier’s policies, many are independent and are thus free to market the policies of a variety of insurance carriers. In addition to supporting these two primary components, the insurance industry includes establishments that provide other insurance-related services, such as claims adjustment or third-party administration of insurance and pension funds.

Forms of insurance service of tourists.

1. Compensatory. Provides payment by the traveller of all medical expenses and their compensation only after homecoming that as the rule, is inconvenient as compels the tourist to have at itself a considerable monetary stock on this case.
1. The program of insurance of luggage. The sum of an insurance limit about 2000 dollars. It is paid after a presentation of the documents confirming that the luggage has been lost or hurt in a storage time or transportations. It is the most widespread kind of insurance since the tariff of insurance of luggage makes about 50 cents a day.
2. Service.
3. Insurance of medical expenses.
4. Legal and information assistans - maintenance of legal support to travellers in case of administrative or civil infringements, and also a guarantee of reception of the necessary information on the most convenient routes.
5. Insurance upon accident.
6. The program of insurance of a civil liability for drawing of a damage to property of the third parties put by the tourist as a result “unintentional actions”.
The Insurance policy - the obligatory document at a tour. The majority of the countries of the world does not give out the visa without presence of a special insurance policy. Them concern the majority of the developed countries: Austria, Belgium, Germany, Holland, Denmark, Spain, Norway, France, Switzerland, Sweden, the USA.
The insurance policy as the document guaranteeing payment of necessary health services at approach of insured event, necessarily contains a firm-partner phone number on which it is possible will address for the help, the information on the insurer, the insurer, conditions, costs of the insurance and clearing of (responsibility) of obligations of the company in a case of war, nuclear explosions, road failures, chronic diseases etc.
The travel company sends the supplier inquiry and the guarantee letter with trip terms, the name of the country of purpose, means of the movement, accepting firm, quantity of tourists by name with instructions of number of the passport and age. Visas are in a similar way made out also. There are some kinds of visas depending on the trip purposes - tourist, visas under the private invitation, visas under the business invitation. Registration of visas under private and business invitations is carried out in country consulate. Refusal cases in the visa make 5 - 7 % from number of all addressed, and refusal can be reconsidered. Consular gathering for the given type of service makes 10-60 US dollars. Registration of tourist visas is carried out by means of a call of foreign firm on certain quantity of tourists with the list declared earlier by travel agency. After consideration by consulate the visa, the general for all group or intended for separate tourists stands out. By working out of programs not so much cost, how much complexity of procedure of registration is considered. All described is characteristic first of all for the United States of America and the Western Europe where the entry visa concern very strictly. On June, 14th, 1985 in the Luxembourg city of Shengen the Benelux countries states, France and Germany had been signed the agreement on forthcoming gradual cancellation of passport control on the internal borders.
In the contract between travel company and the tourist, as a rule, contains following typical conditions:
— a contract subject (acquisition by the tourist of the rights (guarantees) on the tour, issued in the form of the permit);
— cost of services of firm and the form of their payment (cash or transfer of money into the firm settlement account);
— Travel company duties (on granting of a tourist product in full volume and it is qualitative; on medical insurance of tourists; on registration for them ambassadorial visas);
— responsibility and clearing of a responsibility of the parties (in cases a swagger - major circumstances, change of quality of given services, terms of their granting, refusal of the parties of round);
— duties of the tourist (after payment, granting of necessary documents for registration of visas, etc.). .
In the contract with the client it is expedient to reflect following data: date of the conclusion of the contract, terms of granting of services, a type of transport to vacation spot and back, a hotel class, its name and an arrangement place.
The contract between tour operator and a travel agent depending on the maintenance of relations between tour agencies can be several kinds. Agency soglaasheniya provide transfer by the manufacturer of services to the tourist agent of the rights to sale of separate types of service and inclusive - rounds from a name and for the tour operator account. In the contract accurate instructions on performance of the assigned problems, territorial restrictions of sphere of action usually contain, the rights and duties of the parties, and also an order of payments of commissions are established. The volume and character of requirements to the agent неодинаков also depends on the concrete conditions existing in the national markets.
The reservation obliging the agent not to enter business relations with other firms, and also the reservation on a monopoly of sale of separate tourist services can be brought in the agreement. The similar form of activity, on the one hand, gives the chance to work, without having the big publicity expenses, marketing, the organisation of rounds and receiving commission fee, but, on the other hand, does not give possibility of essential expansion and reception of the big profits. Besides, the agent frequently too depends on tour operator and as a matter of fact is deprived independence. For this reason often travel companies get permits as the finished goods generated by other company, and in a consequence sell it more expensively. Duties of the seller include booking of places in hotel, registration of documents necessary for a trip, maintenance of tourist group with the guide-translator and informing of the buyer on possible changes, and the buyer carries out a set, a complete set and sending of tourists, provides granting of their lists in three copies for official registration of papers and booking of places on transport and hotel, informs tourists on cost and a procedure of payments. In a case not performance of obligations and not observance of terms of transfer of cost of service or not granting of questionnaires and lists of citizens the seller has the right to cancel a trip, and the buyer pays damages.