INSURANCE AND TOURISM INDUSTRY: POINTS OF CONTACT
The article argues that meeting the needs of modern tourists means offering a quality tourist product and guarantying their safety. One of the mechanisms of providing security is insurance. Insurance companies around the world, in any country or region (city) are ready to offer tourists different insurance programs. However, the insurance culture in some parts of the world is underdeveloped. This creates opportunities for insurance companies to develop competitive advantages and abilities for different types of tourism. Each tourist market offers a conceptually developed tourist product. Therefore, insurance policy offers should also be adapted to the concept of a particular tourist product. Thus, the main point of interaction between the tourist and insurance markets is to offer a quality product. The article classiﬁ es insurance companies in terms of their competitiveness for different tourist markets. It is noted that providing insurance beneﬁ ts at a high level has great signiﬁ cance for the insurer's reputation and helps to improve its competitive advantages. In turn, the quality of the insurance product will manifest itself in the insurance offer and the insurer's actions. The insurer should pay particular attention to increasing the tourists' knowledge of using insurance programs, nature of insured events and actions to prevent and minimize risk.