Pro du voyage & DDA : Legal travel insurance sales

Before reading our recommendations concerning travel agencies, you will find in these links all the legal texts on which the DDA is based and, more generally, the obligations concerning the distribution of travel insurance, which we have used to draw up these recommendations:

• Distribution is governed by the following article of the French Tourism Code: Article R211-4 : See the article
• More generally, any sale or distribution of insurance products is governed by the European directive on insurance distribution: See article
• Reprinted by the French government here : See the article

1. The distribution of insurance is secondary to this person’s main professional activity;
2. The person distributes only insurance products that complement a good or service;
3. The insurance products concerned do not cover the risks associated with life insurance or civil liability, unless this coverage is simply a complement to the good or service sold.

By offering a travel insurance policy, you meet these three conditions.

If :

• Premium per person is less than €200 per trip
• The amount of the annual bonus per person is less than 600€.
• The duration of coverage is less than 90 days

Then :

• Inform the customer of the intermediary’s identity, address and claims procedures as soon as the quotation is drawn up,
• Comply with the information obligations stipulated in the French Insurance Code,
• Provide the customer with the insurance product information document before signing the contract,
• Inform the customer that signing up for the insurance contract is separate from the opportunity to purchase the trip.

Otherwise :

You are a broker and subject to Orias. In the case of a travel agency, it’s best to avoid being subject to this as much as possible, in order to avoid the problems associated with brokerage and the obligations of the insurance business (registration, staff training, etc., duty to advise), and thus fall outside the scope of l’insurance intermediary

To comply with the legal framework, Yupwego offers its travel agency partners a management interface connected to its various insurers, as well as access to its brokerage platform.

Today, the platform complies with the duty to advise and the regulatory framework, both in terms of product selection and the legal documentation provided.

The travel agency acts as a distributor, and as such can offer contracts to its individual or business travelers.

It can create a contract directly on the part of the customer, as long as it records his consent on a material medium.

The travel agency’s obligation to Yupwego:

• Keep proof of customer consent
• Ensure that customer payment has been made in order to activate warranties
• Inform Yupwego of contract cancellations made before the effective date
• Respect the regulatory framework proposed by Yupwego concerning the customer’s right of withdrawal.

• Logo with “In partnership with” in the subscription tunnel

• Logo with “In partnership with” in the subscription tunnel

Prices shown are negotiated with the partner and based on a complementary percentage of public prices.

Important: the partner can modulate the sales price based on the public price, and thus control prices according to his transformation rates.

• The partner obtains the rate enabling her to make a proposal to her customer
• The partner obtains pre-contractual documentation enabling him to supply the legal elements to the customer prior to contractualization (information sheet, terms and conditions, etc.).

In addition to contracting as a company for its own needs, the travel agency can also create contracts for its customers.

As such, it has the option of creating a different subscriber to its account. But the overall process remains the same.

The subscriber is then automatically informed by e-mail as soon as he/she has subscribed, and of the entire process to be followed in the event of a need for assistance, via the Assistance Guide received by e-mail.

The travel agency can consult contracts via its interface and in the My sales tab:

The amount of commissions can be consulted via commission reporting (version 2 of the application, currently under development, will combine the two interfaces).