Cover for

A French passenger purchases a package tour from a Paris travel agent. The tour includes ferry transportation from Denmark to Norway, one week at a luxury hotel and a return sea passage to France via Denmark. Whilst at the hotel, the passenger sustains a slip and fall injury when getting into a jacuzzi. It is later found that jacuzzis were in generally poor condition. Instead of suing the owner of the Norwegian hotel, the passenger sues his travel agent under the French Package Tour Act. The agent passes the claim on to the tour operator, who decides to settle quickly to avoid mounting legal costs.

Cover solution: 
The liability did not arise from a direct connection with the operation of the ship and would fall outside the scope of P&I cover. However, tour operator insurance covers passengers before and after the sea journey, so would respond to any legal liability in connection with the injury. Gard automatically acquires the right of recourse against any third party, such as the hotel in Norway.

A package tour offered by the client includes flights and one night’s accommodation at the embarkation port. A hurricane delays the vessel’s arrival in port. The client incurs expenses accommodating passengers for an extra hotel night while waiting ashore, and rebooking flights for those whose disembarkation is delayed.

Cover solution: The client would need the tour operator cover to respond to liability for those passengers waiting ashore. Tour operator cover would also respond to extra costs for additional accommodation (food expenses, lodging etc.) if the trip is cancelled due to the hurricane.

Case studies

The return of someone to their own country.

Terminology

Tour Operator Passenger Liability Cover Brochure

Additional Covers Terms & Conditions 2025

Additional cover for passengers, for the liabilities falling outside standard P&I cover.

Case studies

Injury at inland hotel between ferry crossings

Extraordinary expenses due to delay

Terminology

Tour Operator Passenger Liability Cover brochure

Gard Additional Covers - Terms and Conditions 2025 (PDF)