Information about travel guarantees - Kammarkollegiet
Anyone who sells or offers travel arrangements must have a travel guarantee if the trips are subject to guarantees under the Travel Guarantee Act. The purpose of this Act is to protect travellers in the event of the travel operator becoming insolvent.
Anyone who is required to arrange a travel guarantee must also pay a fee to the Travel Guarantee Fund
Payment to the Travel Guarantee Fond
In order to fulfil the requirement to arrange a travel guarantee, you must, in addition to arranging an individual travel guarantee, also pay a fee to the Travel Guarantee Fund.
You are required to pay a fee for all package travel that you have organised, as well as for all linked travel arrangements that you have sold or otherwise facilitated. This applies to travel booked from 1 April 2026 onwards. Therefore, you need to keep accurate records of when your trips were booked and when they took place.
The fee amounts to 0.6 percent of the price of the package travel you have organised and 0.6 percent of the payments you receive for your part in a linked travel arrangement that you have sold or otherwise facilitated. This means that for a package trip costing SEK 10,000, you must pay SEK 60 in fees to the fund.
When we contact you by email, you will have one month to compile the required information and subsequently pay the fee. You must report this information and pay the fee three times per year.
The individual travel guarantee
The individual travel guarantee should cover all advance payments made by travellers, such as registration fees and final payments. It should also cover other services included in the agreement with the traveller and, in some cases, expenses for home transportation. The purpose of the travel guarantee is that your travellers should not lose any money if their trip is cancelled or ends prematurely.
The size of the individual travel guarantee is calculated on an individual basis. It should be sufficiently large that it can compensate your customers’ financial losses if the trip has to be cancelled or stopped.
You must have a guarantee that is valid indefinitely. Exemption can be made regarding travel guarantees in form of insurance policy. If the guarantee with the indefinite validity period is not sufficient during your high season, it must be supplemented with one or more temporary guarantees.
Factors affecting the calculation
- Number of travellers per month.
- The cost of the arrangements.
- The amount that travellers have paid in advance in fees and cancellation insurance.
- When the advance payment is expected.
- The length of time before departure that final payment must be made.
- Standard cost for home transportation.
We increase the sum of the items by ten percent in order to cover any potential increase in the number of travellers or the costs in relation to your budgeted amount. The sum is rounded to an even amount. The minimum amount that can be arranged for travel guarantees is 50,000 SEK.
Exceptions
There are some exceptions to the obligation to arrange travel guarantees. If you meet any of these requirements, it is not necessary to arrange travel guarantee for the trips, however you still need to report your operation to us:
- The trip is less than 24 hours long and does not include an overnight stay.
- The trip is arranged on a non-profit basis and is a one-off arrangement and for a limited group of travellers.
- The trip is purchased by a trader and is based on a contract for arranging business trips.
Issuing travel guarantees
Travel guarantees can be arranged in various ways, such as:
- A payment commitment from a bank, an insurance company or a credit market company.
- A policy from an insurance company.
- Funds deposited with a bank or with us.
- Other similar commitments.
Read more
Legislation Resegarantilagen External link, opens in new window.
Directive (EU) 2015/2302 External link, opens in new window.
