摘要
我国旅行社责任保险制度已经形成了较为全面的规范体系,但实践中仍存有诸多疑难问题。在承保责任范围上,对违约责任是否属于保险责任,立法上模棱两可;在无责赔付问题上,法官容易模糊无责赔付与无过错赔付之间的界限;在第三者范围问题上,将导游、领队等人员列入第三者范围而非被保险人范围,与保险法法理相悖;在除外责任范围问题上,将高风险性旅游项目以及服务质量不规范行为排除在外,有悖于旅行社责任险的立法目的。应当将特定范围内的违约责任纳入承保责任,厘清无过错赔付的本来内涵,在第三者范围中排除导游等旅行社的组成人员,限制旅行社责任保险中除外责任的适用范围。
A relatively full system of norms for travel agent's liability insurance(TALI) has been established in China,but more than a few problems exist in its operation.The law is vague about whether TALI covers liability for a travelling agent's breach of contract.Judges confuse non-liability indemnity with no-fault indemnity.It is at odd with insurance law rationales to have tourist guide,travelling leader and etc as a third party rather than as the insured.It is against the legislative purpose of TALI laws for a TALI policy to exclude liabilities for high-risk tourism project and non-compliance in service.This article argues that certain liabilities for breach of contract shall be within the TALI coverage,that no-fault indemnity shall be clarified,that constituting members of a travelling agent shall not be regarded as a third party,and that exclusions in a TALI policy shall be subject to restrictions.
出处
《法学家》
CSSCI
北大核心
2016年第1期105-117,178,共13页
The Jurist
基金
作者主持的国家社科基金重点项目"我国机动车三责险改革问题研究"(编号:14AFX019)的阶段性成果
上海市闵行区人才发展专项资金资助
关键词
责任保险
旅行社责任
第三者范围
除外责任
Liability Insurance
Travel Agent's Liability
Ambit of Third Party Liability
Excluded Liability
