Osiguranje i finansijska zaštita britanskih turista od nesolventnosti krajnjih pružalaca usluga

Evropska revija za pravo osiguranja 1  (2026), (str. 06-21) 

AUTOR: Slobodan Jovanović

 

Download Full Pdf                  Download Full Pdf (ENG)   

DOI: https://doi.org/10.46793/ERPO2501.01J

SAŽETAK: 

Moderno razvijena sabraćajna i turistička infrastruktura, a pogotovo raznovrsnost ponude za odmor, zabavu, sport i rekreaciju prevazilaze specifične želje i interesovanja pojedinaca. Učestalost putovanja britanskih turista se zadržava na visokom nivou, a raznovrsnost rizika sa kojim je povezana organizacija i realizacija putovanja ponekad onemogućava uživanje u ugovorenim turističkim uslugama. Jedan od rizika putovanja u inostranstvo odnosi se i na nesolventnost pružalaca usluga, zbog čega britanski putnik može da pretrpi finansijsku štetu. Njihova finansijska zaštita sprovodi se preko šema uspostavljenih pri Upravi za civilno vazduhoplovstvo i Udruženju britanskih turističkih agencija za slučaj nesolventnosti avio-prevoznika i turističkih agencija za plaćene paket aranžmane. Mi u ovom radu razmatramo osiguranje putnika od nesolventnosti krajnjih pružalaca usluga i finansijsku zaštitu putnika za plaćanja kreditnom i platnom karticom na tržištu Velike Britanije.

KLJUČNE REČI:

pružalac usluga, nesolventnost, kreditne i platne kartice, osiguranje, troškovi, Služba Ombudsmana za finansijska tržišta

LITERATURA:

  • ABTA Travel Limited. (2025a). Travel Trends for 2025. Dostupno na: https://www.abta.com/industry-zone/reports-and-publications/abta-travel-trends-reports/travel-trends-for-2025#:~:text=Trends%20for%202025-,ABTA’s%20Travel%20 Trends%20for%202025%20report%20draws%20on%20 research%20from,by%20downloading%20the%20report%20 below, 21. 11. 2025.
  • ABTA Travel Limited. (2025b). Outbound travel. Dostupno na: https://www.abta.com/sites/default/files/2025-06/Final_ Outbound%20Travel_a%20catalyst%20for%20jobs%2C%20 growth%20and%20wellbeing.pdf, 21. 11. 2025.
  • Britannica Editors. (November 9, 2025). London Underground. Encyclopedia Britannica. Dostupno na: https://www. britannica.com/topic/London-Underground, 13. 11. 2025.
  • Clarke, A. Malcolm. (1997). The Law of Insurance Contracts, third edition. London: LLP.
  • Dubakova, Alexandra. (16 June 2025). UK outbound and inbound tourism statistics report. Dostupno na: https://www. freetour.com/blog/uk-outbound-and-inbound-tourism-statistics-report#:~:text=UK%20residents%20are%20 projected%20to,on%20outbound%20tourism%20in%20 2024, 20. 11. 2025.
  • Financial Conduct Authority. (October 2020). Cancellations and refunds: helping consumers with rights and routes to refunds. Dostupno na: https://www.fca.org.uk/publication/finalised-guidance/cancellations-refunds-helping-consumers-rights-routes-to-refunds.pdf, 21. 11. 2025.
  • Financial Ombudsman Service. (2023). Problems with goods and services bought using a debit card or credit (Section 75 and chargeback), 20 July 2023, dostupno na: https://www. financial-ombudsman.org.uk/consumers/complaints-can-help/credit-borrowing-money/goods-services-bought-credit#:~:text=A%20chargeback%20lets%20you%20 challenge,were%20broken%20or%20otherwise%20defective, 12. 2025.
  • IBISWorld. (26 October 2025). Outbound tourism by UK residents. Dostupno na: https://www.ibisworld.com/united-kingdom/bed/outbound-tourism-by-uk-residents/44060/, 11. 2025.
  • Jovanović, S. (2026). Finansijska zaštita i osiguranje od nesolventnosti organizatora turističkih putovanja u Velikoj Britaniji, Jovanović, S. (urednik) u: Pravo osiguranja danas: Stanje, tekuće reforme i praktična pitanja (104–120). Beograd: Udruženje za pravo osiguranja Srbije; Beograd: Udruženje osiguravača Srbije.
  • Lassels, Richard. (1670). The Voyage Of Italy, Or A Compleat Journey through Italy: In Two Parts; With the Characters of the People, and the Description of the Chief Towns, Churches, Monasteries, Tombs, Libraries, Pallaces, Villa’s, Gardens, Pictures, Statues, and Antiquities. As Also of the Interest, Government, Riches, Force, &c. of all the Princes; With Instructions concerning Travel; 1. London: Starkey. Dostupno na: https://www.digitale-sammlungen.de/en/ details/bsb10469314, 10. 11. 2025.
  • Moore, Peter, English Heritage curators. (n/a). Stories from Grand Tours of Europe, English Heritage. Dostupno na: https://www.english-heritage.org.uk/visit/inspire-me/ stories-from-grand-tours-of-europe/, 10. 11. 2025.
  • UK Finance. (n/a). Chargeback and Section 75. Dostupno na: https://www.ukfinance.org.uk/our-expertise/cards/ chargeback-and-section-75, 10. 12. 2025.
  • UK Parliament. (n/a). Railways in early nineteenth century Britain. Dostupno na: https://www.parliament.uk/about/ living-heritage/transformingsociety/transportcomms/ roadsrail/kent-case-study/introduction/railways-in-early-nineteenth-century-britain/, 12. 11. 2025.