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中国游客境外游被盗抢索赔难 如何避免出境“忧”?

2017-05-31 13:29:54   央广网

根据携程旅游保险部门的统计,中国游客在欧洲被盗抢的几率最高。去年上半年欧洲游人数在出境游中占比不到10%,但是在行李、现金等盗抢事件保险案件中,欧洲区域占40%,比例最高。但是,对海外盗抢事件的应对处理、责任承担和损失赔偿,业内并没有统一规范,各家出境游旅行社的做法和标准不一,差别极大。

北京岳成律师事务所律师岳屾山指出,财物被盗要看由何种原因造成的,如果是自己的财物寄放在旅行服务者提供的车辆上被盗了,旅行社应该承担责任,他对旅客的财物承担保管的义务。如果是随身财物在行走过程中被小偷偷了,要看旅行社是否对游客做了安全提示,如果尽到提示义务了,就不需要承担责任了。

此外,目前中国游客海外旅游购买的保险更多的是关注人身安全保障方面,对于随身财产方面的保障则比较薄弱。有的保险里面甚至没有关于财产丢失的赔付额度。

即使一些包含了财产险的旅游保险,赔付的金额也并不是很高,有从业者指出,比如热销的某款中端境外旅游险,其中随身钱财损失保额只有一万元、随身物品遗失或被窃保额是单件2000元,最多赔付5件。

如果保险不够赔付,一旦发生被盗被抢,又该找谁赔付呢?很多游客第一反应是找旅行社,那么,旅行社是否需要承担相应责任?

有法律人士指出,旅行社应当为游客大件行李物品的被盗被抢承担责任。由于游客的大件行李物品无法随身携带,都要交由地接社雇佣的旅游车驾驶员来保管。虽然作为保管人的旅游车驾驶员并没有向游客出具保管凭证,但根据旅行社保管游客大件行李的交易习惯,可以确定旅游车驾驶员和游客之间的保管合同成立。因此,旅游车驾驶员有义务妥善保管行李,行李物品遗失或者被盗,保管人就要承担全额赔偿的责任。

国家《旅游法》的第七十条对此也有相应规定:由于地接社等原因造成旅游者人身损害、财产损失的,旅游者可以要求地接社承担赔偿责任,也可以要求组团社承担赔偿责任;组团社承担责任后可以向地接社追偿。需要明确的是,《旅游法》是适用于境外旅游活动的。

那么,作为出境游的个人,在行前和途中应该做好哪些安全防范的功课呢?有业内人士建议,对于行李中携带的贵重物品,务必要进行申报,外币兑换后要留好银行凭证,购买的贵重物品需妥善保管发票。

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