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Appointed by AFTA to bring solutions together for their members Agents for IPP in processing applications for IPP s various products Applications, premiums and enquiries to go through Gow Gates Gow-Gates is regulated by Australian Securities and Investments commission (ASIC) Specialists in Travel Agent & Tour Operator products

In association with Supplier Insolvency Insurance products:- Scheduled Airline Failure Insurance (SAFI) End Supplier Failure Insurance (ESFI) ATAS Member Insolvency Insurance For November 2013

About International Passenger Protection Ltd (IPP) Formed in 1990, some 23 years ago after identifying a lack of consumer protection IPP are the oldest and Worldwide leader in providing financial failure insurances to the travel industry IPP Pioneered all their products including: Scheduled Airline Failure, End Supplier Failure Insurance, IATA Agency Default Insurance, Tour Package Regulation Insurance and more IPP operate in over 30 countries around the world

Travel Agent concerns Customers stranded abroad Customers contacting agents to bring them home or refund tickets whether the agent is liable or not Repatriation can cost up to 3 times original ticket cost Credit card charge backs to travel agent where customers go back to their bank Current and past oil prices and global economic climates continue to put strain on airlines Which airline will collapse next who is safe? Can Agents afford to pay out for their customers loosing their money, especially from a large collapse?the next collapse?

Some past and recent Airline Collapses

Scheduled Airline Failure Insurance (SAFI) One policy to a ATAS member covering for losses arising from the insolvency of an airline - If insolvency occurs prior to travel then cover is for the cost of the original pre-booked flight - If insolvency occurs during the trip then cover is for the cost of the return flight (equivalent class cost) up to the per ticket policy limit The ATAS member is the Insured, Policyholder and beneficiary The risk is the declared and agreed Scheduled Airlines Premium to be charged on all tickets to ensure lowest cost

What does SAFI cost? Premiums will vary from member to member due to a different spread of airline risk and number of tickets covered. A no obligation quotation can be obtained from IPP through Gow Gates. Can I pass the cost on to customers? You cannot pass the cost on as an insurance policy as this is a regulated activity but you will be taking on the policy for your own benefit in order to be in a position to refund or cover costs for repatriation. Therefore you have two options:- 1. Pass the cost on to ALL passengers as a Airline Failure Administration Fee, Airline Failure Fee or Repatriation Administration Fee 2. Do not pass the cost on and absorb within your business running costs

Example agent charging compulsory on every booking

Does SAFI cover me against charge backs? Yes! if you have a SAFI policy you can immediately contact your clients to refund or repatriate your customers which will be perceived as a great customer service and prevent customers from having to go back to their banks and invoking a charge back to your agency. Will all airlines be covered? Generally we cover the majority of airlines, there are sometimes a few airlines we have to exclude because either there is a threat of insolvency in our opinion or an airline has filed for insolvency i.e. Chapter 11.

Application process through Gow Gates One page simple application form to be completed and returned to Gow Gates along with agents last 12 months BSP and NON BSP Airline Sales Quotation given to agent with list of agreed airlines and limits of cover agent can decide to increase airline limits if required at any stage of the policy by notifying IPP through Gow Gates to get agreement Agent signs quotation and pays premium to Gow Gates, large premiums can be paid on a monthly declaration basis. Agent receives policy from IPP through Gow Gates with a schedule of Airlines and limits

Scheduled Airline Failure Insurance (SAFI) Cover Airline insolvency exposures Protect against charge backs Protect your profits Protect your customers Give a peace of mind promise to keep and generate new customers Create a new revenue stream Available to quote from 1 st December for cover starting 1 st January 2014

End Supplier Failure Insurance (ESFI) Extends SAFI cover to include not only airline insolvency but other End Suppliers of the holiday booking such as: Hotel Car hire company Excursion provider Train Operator Coach Operator Ferry operator Theme Park One simple application form through Gow Gates supplying on a spread sheet all your end suppliers with annual turnovers Available to quote form 1 st December for cover starting 1 st January 2014

ATAS Participant Insolvency Insurance Covering the Insolvency of the ATAS participant for the benefit of their customers Must be ATAS accredited to apply Must be solvent and provide an accountant certification Simple application through Gow Gates Financial assessment carried out by IPP Premium on a per customer or percentage of turnover basis Policy will cover all customers bookings while money is with the ATAS participant

ATAS Participant Insolvency Insurance Online sales reporting and premium payments Customers will receive a certificate confirming the policy taken out by the ATAS Participant Policyholder is the ATAS Participant whom pays the premium Insurance allows ATAS Participant to give a peace of mind promise to its customers that their money is protected In the event of an insolvency of the ATAS participant customers contact the Insurer to make a claim for loss of monies which were still being held by the ATAS participant Available 2014 in line with the cut off of TCF

2013 Australian Federation of Travel Agents Travel Accreditation Scheme (ATAS). ATAS is a division of The Australian Federation of Travel Agents Limited, an Australian public company, limited by guarantee. All rights reserved.