摘要： 我国旅行社责任保险制度已经形成了较为全面的规范体系，但实践中仍存有诸多疑难问题。在承保责任范围上，对违约责任是否属于保险责任，立法上模棱两可；在无责赔付问题上，法官容易模糊无责赔付与无过错赔付之间的界限；在第三者范围问题上，将导游、领队等人员列入第三者范围而非被保险人范围，与保险法法理相悖；在除外责任范围问题上，将高风险性旅游项目以及服务质量不规范行为排除在外，有悖于旅行社责任险的立法目的。应当将特定范围内的违约责任纳入承保责任，厘清无过错赔付的本来内涵，在第三者范围中排除导游等旅行社的组成人员，限制旅行社责任保险中除外责任的适用范围。

关键词: 责任保险, 旅行社责任, 第三者范围, 除外责任

Abstract: A relatively full system of norms for travel agent's liability insurance(TALI)has been established in China,but more than a few problems exist in its operation.The law is vague about whether TALI covers liability for a travelling agent's breach of contract.Judges confuse nonliability indemnity with nofault indemnity.It is at odd with insurance law rationales to have tourist guide,travelling leader and etc as a third party rather than as the insured.It is against the legislative purpose of TALI laws for a TALI policy to exclude liabilities for highrisk tourism project and noncompliance in service.This article argues that certain liabilities for breach of contract shall be within the TALI coverage,that nofault indemnity shall be clarified,that constituting members of a travelling agent shall not be regarded as a third party,and that exclusions in a TALI policy shall be subject to restrictions.

Key words: Liability Insurance, Travel Agent's Liability, Ambit of Third Party Liability, Excluded Liability