旅行業履約保證保險之探討The Research on the Travel Agency Performance Bond Insurance

摘要
　　因現行旅行業履約保證保險為強制投保之政策性保險之一種，所以受其保障之被保險人人數每年高達數百萬人，但學術論著作卻少有此方面之相關研究，更遑論探討其有關之法律問題，是故本論文嘗試從相關法律角度作分析研究，主要探討目前及過往實務上所發生之爭議，並期望藉著本研究可收拋磚引玉之效，並可以提供未來旅行業履約保證保險發生類似爭議案例或保險單條款修訂時之重要參考及依據。
關鍵字：履約保證保險金、旅遊品質保障金、保證保險、旅行業品質保障協會、第三人利益契約
Abstract
　　In view of the flourishing travel atmosphere, particularly in Taiwan, the amount of the travel population abroad has reached nearly 8.2 million in 2009. In order to avoid the numerous trivial travel related procedures, most tourists request travel agencies to arrange their itineraries. However, the quality of some travel agencies is suspect, so many news reports, such as owners going out of business, absconding with the money, or the quality of the journey is unsatisfactory, can be occasionally heard. Therefore, how to protect the consumers’ rights has become an important issue in modern society.
This article reviews the Travel Agency Performance Bond Insurance from legal aspects and analyzes controversial points of the insurance policy.
Keywords: performance bond, travel quality bond, bond insurance, travel quality assurance association, third party beneficiary