LIABILITY INSURANCE IN THE TRANSPORT AND TOURIST CONTRACTS OF THE REPUBLIC OF CROATIA

Istraživanje je pokazalo da iznosi osigurateljeve obveze nisu jednaki u prijevozničkim i turističkim ugovorima. U ugovorima o prijevozu temeljno je načelo da prijevoznik ima pravo na ograničenje odgovornosti do određenog iznosa, pa slijedom toga putniku ne odgovara do punog iznosa naknade štete. U turističkom pravu, odnosno u ugovoru o paket-aranžmanu i u ugovoru o povezanom putnom ananžmanu, putnik ima pravo na puni iznos naknade štete. No, naknada štete i tada može biti ograničena u dva slučaja: a) ako su se putnik i organizator tako unaprijed dogovorili te 2) ako je šteta nastala tijekom prijevoza. Razlika između turističkog i prijevozničkog prava postoji u instututu jamčevine za slučaj nesolventnosti trgovca. Osnovna funkcija jamčevine, u formi police ili bankarske garancije je pojačanje odgovornosti trgovca u turističkim ugovorima. Putnik na temelju ugovora ili potvrde o ugovoru o putovanju u paket-aranžmanu odnosno ugovora o povezanom putnom aranžmanu, ima mogućnost neposrednog ostvarivanja prava na naknadu.The research has shown that obligations of the insurer arising from transport contracts differ from those in the tourist contracts. A fundamental principle of transport law is that a carrier has the right to a limited liability up to a certain amount, therefore a passenger is not entitled to the full amount of compensation for damages. In the tourism law, i.e. package contracts and contracts on linked travel arrangements, the passenger is entitled to the full amount of compensation. However, in this case a compensation for damages to be paid by the organizer (service provider) may be limited if: a) the passenger and the organiser have agreed so in advance and 2) the damage occurred during the carriage. The difference between tourism and transport law is also the security institute in case of insolvency of the trader which is the element of the tourism contracts. The main function of insolvency security in the form of an insurance policy or a bank guarantee is to increase the responsibility of the trader. The passenger may, based on a contract or certifi cate of the package contract and to linked travel arrangement, directly realize his right to compensation