Skip to content

Organisters’ Liability Insurance

An exclusive membershgip benefit for AGTO members.


AGTO has negotiated exclusive rates for all members for a number of insurance products to ensure that all members can continue their business with peace of mind in case of mishaps.

Organisers Liability Insurance is an essential consideration for any group organiser regardless of whether you are organising day trips or international trips

The latest addition to the insurance portfolio is via Towergate Travel in partnership with SunWorld Travel which includes a number of Covid 19 incidents as standard.

For full details of the policy and other essential information click here and for a copy of the form please click here

It’s each individual traveller’s responsibility to arrange appropriate travel insurance, as well as ensuring that you have read and understood the full terms and conditions of the travel insurance policy that you’ve taken out.

Your travel insurance policy should fully cover you for cancellation and emergency medical expenses and repatriation. Please ensure any travel insurance policy you take out covers the entire duration of your holiday.

Looking for travel insurance cover?

If you have not already arranged cover, please visit SunWorld who offer travel insurance.

Package Travel Directive

About the directive

The EU rules cover pre-arranged package holidays, but also self-customised packages, where the traveller chooses different elements from a single point of sale online or offline. Furthermore, these rules provide certain protection for linked travel arrangements, which is when for example the traveller books a flight on a website and is then invited to book a hotel on a different website.

Package Holidays Factsheet

Guidance on travel in the Coronavirus crisis

The Commission issued guidance on 13 May 2020 on how to safely resume travel and reboot Europe’s tourism, following the effects of COVID-19, including a recommendation on vouchers offered to passengers and travellers

SunWorld Travel

Cover for COVID-19

Additional information is available in the member area.

Coronavirus Info

Package Travel Directive

COVID Recommendations on Pacakage Travel Directive

Contents of the directive

  • Clear information for travellers: Businesses must inform travellers whether they are offered a package or linked travel arrangement, and on their key rights through standardised information forms. They must provide clear information on the features and characteristics of the package, its price and any additional charges.
  • Money-back and repatriation in case of bankruptcy: Organisers of packages must take out insolvency protection. This guarantee covers refunds and repatriation in case organisers go bankrupt.  This guarantee applies also to linked travel arrangements.
  • Clear rules on liability: The organiser of the package, is liable if something goes wrong, no matter who performs the travel services.
  • Strong cancellation rights: With the new rules, travellers may cancel their package holiday for any reason by paying a reasonable fee. They may cancel their holiday, free of charge should their destination become dangerous for example because of war or natural disasters, or if the package price is raised over 8% of the original price.
  • Accommodation if the return journey cannot be carried out: Where travellers cannot return from their package holidays, for instance in the case of natural disasters, travellers are granted accommodation for up to three nights if they cannot return from their holiday on time. Additional nights are covered in line with the relevant passenger rights regulations.
  • Assistance to travellers: The package organiser must also provide assistance to travellers in difficulty, in particular, by providing information on health services and consular assistance.


The rules apply to combinations of at least two types of travel services (transport, accommodation, car rental or other services, for example guided tours) including:

  • packages, such as  ready-made holidays from a tour operator as well as now also customised selection of components by the traveller bought from a single online or offline point of sale;
  • linked travel arrangements, for instance, when  the traveller purchases travel services at one point of sale, but through separate booking processes, or, after having booked one travel service on one website, is invited to book another service on a different website, provided that the second booking is made within 24 hours.


The new rules are applicable in all EU countries from 1 July 2018.

Back To Top