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Search references for CONDITIONAL FEE. Phrases containing CONDITIONAL FEE
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Topics referred to by the same term
Conditional fee may refer to: In United States law, a reference to a future interest in real property; here fee is derived from fief, meaning a feudal
Conditional_fee
Fee payable only if there is a favourable result
fee (also known as a contingency fee in the United States or a conditional fee in England and Wales) is any fee for services provided where the fee is
Contingent_fee
Form of freehold land ownership
before) if the condition fails; this is a fee simple conditional. A fee simple without such limitations is a "fee simple absolute", the amplest form of property
Fee_simple
Procedural rules regarding costs in litigation applied in England and Wales
Courts and Legal Services Act 1990 reg. 4 Conditional Fee Agreements Regulations 2000 art. 6(2) Conditional Fee Agreements Order 2013 s. 44 Legal Aid, Sentencing
Costs_in_English_law
Process of determining what a company will receive in exchange for its products
consultancy services. In the United Kingdom, a contingency fee is known as a conditional fee. Differential pricing, also known as flexible pricing, multiple
Pricing
adopted by the National Assembly in May 2026 Making social assistance conditional on carrying out of community service Limiting voting rights in local
2026_Slovenian_referendum
British barrister and life peer (born 1968)
that he "could not recall" whether he had acted under any form of conditional fee agreement for Adams in the past when asked by Fox. Further controversy
Richard_Hermer,_Baron_Hermer
abolition of legal aid for personal injury claims, the introduction of conditional fee agreements and the appearance of and growth in claims management companies
Claims_management_company
Topics referred to by the same term
Micronesia, Marshall Islands, and Palau Conditional fee agreement, a payment agreement also known as "no win no fee" Common femoral artery Complete Freund's
CFA
1907 painting by Gustav Klimt
died in February 2011, aged 94. Schoenberg, who had worked on a 40% conditional fee throughout, received US$54 million for the sale of Portrait of Adele
Portrait of Adele Bloch-Bauer I
Portrait_of_Adele_Bloch-Bauer_I
Legal term; property consisting of land and the buildings on it
Remainder: A remainder arises when a tenant with a fee simple grants someone a life estate or conditional fee simple, and specifies a third party to whom the
Real_property
BBC radio and television sitcom
Only the Lonely 11 May 1998 2 The Masons 18 May 1998 3 The Phantom Barrister 25 May 1998 4 A Case with a View 1 June 1998 5 Conditional Fees 8 June 1998
Chambers_(series)
(Work Abroad) (Amendment) Regulations 2000 (S.I. 2000 No. 691) The Conditional Fee Agreements Regulations 2000 (S.I. 2000 No. 692) The Access to Justice
List of statutory instruments of the United Kingdom, 2000 (1–1700)
List_of_statutory_instruments_of_the_United_Kingdom,_2000_(1–1700)
British personal injury firm
injury compensation under the terms of the conditional fee agreement, colloquially known as no win no fee in the UK. The company was sold to Quindell
Accident_Advice_Helpline
2004 United States Supreme Court case
aged 94. Her lawyer, E. Randol Schoenberg, who had worked on a 40% conditional fee throughout, received US$54 million for the sale of Portrait of Adele
Republic of Austria v. Altmann
Republic_of_Austria_v._Altmann
Brazilian footballer
Adriano signed a 4+1 contract with Barcelona, for €9.5 million plus a conditional fee of €4 million – it also included a buyout clause of €90 million. He
Adriano (footballer, born 1984)
Adriano_(footballer,_born_1984)
British stand-up comedian and actress
Year Title Role Notes 2001 Chambers Dawn Series 2; episodes 1 & 2: "Conditional Fees" and "Survival Trek" The Office Lorna Series 1; episode 5: "New Girl"
Tiff_Stevenson
followed the 2024 collapse of SSB Law, in which clients who had signed conditional fee agreements and after-the-event insurance found the insurer declining
Group_litigation_order
such as the United Kingdom and Australia, neither contingency nor conditional fee arrangement is allowed in Hong Kong under The Hong Kong Solicitors'
Public interest law in Hong Kong
Public_interest_law_in_Hong_Kong
Financing method
broadly split into 4 different forms in the UK, Conditional fee agreements, Damages Based Agreements, Fixed Fees and Third Party Funding. In 2005, in the case
Legal_financing
into force allowing recovery of fees from the losing party in civil actions, extending the availability of conditional fee arrangements. 3 April – The Immigration
2000_in_the_United_Kingdom
returns from Rome the land shall go to the use of B. in fee simple. B. is said to take under a conditional limitation, operating by executory devise or springing
Conditional_limitation
Form of trust in English common law
formally called the statute De Donis Conditionalibus (Concerning Conditional Gifts). Fee tail was never popular with the monarchy, the merchant class and
Fee_tail
English feudal statute of 1285
reversion was evaded by the interpretation that such a gift was a conditional fee, which enabled the donee, if he had an heir of the body born alive
De_donis_conditionalibus
residents. The residents' lawyers acted under a conditional fee agreement also more commonly known as 'no win no fee'. They eventually won the case and the stadium
Coventry_v_Lawrence_(No._3)
2021 United States legislative bill
eligible for 'streamlined' processing of conditional permanent residence, including not having to pay an additional fee, or, if they already meet the qualifying
American Dream and Promise Act
American_Dream_and_Promise_Act
Provision of free or low-cost legal representation to disadvantaged people
personal injury cases (which are now dealt with under Conditional Fee Agreements, a species of contingent fee), and corporate cases. Family cases are also sometimes
Legal_aid
Act of the Parliament of the United Kingdom
amount spent on civil legal aid. The use of conditional fee agreements, commonly known as "no-win no-fee", was extended to most civil court cases. The
Access_to_Justice_Act_1999
Columbus Crew 2023 soccer season
general allocation money across the 2023 and 2024 seasons, including a conditional fee of $300,000 July 21, 2023 DF Rudy Camacho CF Montréal Trade for $400
2023_Columbus_Crew_season
liquidators. It is now usual practice for liquidators to enter into conditional fee arrangements with lawyers and have insurance against adverse costs
Wrongful_trading
British peer (born 1964)
in the House of Lords on 25 November 2010 he attacked the use of "conditional fee" arrangements in cases involving privacy and libel. He said, "There
Guy Black, Baron Black of Brentwood
Guy_Black,_Baron_Black_of_Brentwood
Land tenure under the feudal system
fief or estate of land termed a knight's fee (fee being synonymous with fief) from an overlord conditional on him as a tenant performing military service
Knight-service
Anti-poverty services provided by the state; NGO Advocacy
pensions, in-kind transfers like food assistance, conditional and unconditional cash transfers, fee waivers, public works, and school feeding programs
Social_safety_net
British mutual insurance company
(CL-2024-000309) came to court it was filed with an initial 37 claimants under a conditional fee arrangement with the law firm Pennington Manches Cooper. The solicitors
NFU_Mutual
Portland Thorns FC 2024 soccer season
club Fee/notes Ref. January 23, 2024 Rocky Rodríguez MF Angel City FC Traded in exchange for $275,000 in allocation money and conditional fees. July
2024 Portland Thorns FC season
2024_Portland_Thorns_FC_season
German-British barrister and judge
Parliament. Geraghty v Awad [1999] EWCA Civ 3002 – enforceability of conditional fee agreement R v Newham and Manik Bibi [2001] EWCA 607 – a Housing Authority
Konrad_Schiemann
Estate created when land is transferred conditionally
A defeasible estate is created when a grantor transfers land conditionally. Upon the happening of the event or condition stated by the grantor, the transfer
Defeasible_estate
April 2008. He used London solicitors Simons Muirhead & Burton on a conditional fee agreement. The first paper to settle was The Scotsman who published
Reactions to the disappearance of Madeleine McCann
Reactions_to_the_disappearance_of_Madeleine_McCann
contract, advance directives, hearsay in criminal proceedings and conditional fees. Its predecessor was the Law Reform Committee, which was appointed
Law_of_Hong_Kong
Arminian religious doctrine
The conditional preservation of the saints, or conditional perseverance of the saints, or commonly conditional security, is the Arminian Christian belief
Conditional preservation of the saints
Conditional_preservation_of_the_saints
South Korean online streaming platform
Trade Commission conditionally approved the merger of Wavve and TVING and required the two platforms to maintain existing subscription fee levels until the
Wavve
into force allowing recovery of fees from the losing party in civil actions, extending the availability of conditional fee arrangements. 3 April – The Immigration
2000_in_England
Type of small business loan
program, operating without taxpayer funds. This is possible due to loan fees charged by the SBA, which typically bring in more revenue than the SBA must
SBA_7(a)_Loan
British cultural entrepreneur
for Henderson and his law firm, Morgan Cole, who were acting under a conditional fee agreement. Henderson was keen to celebrate the life and work of the
Graham Henderson (cultural entrepreneur)
Graham_Henderson_(cultural_entrepreneur)
English barrister, politician and author (1919–2006)
restrictions on abortion and divorce. He voted against the introduction of conditional fees in 1990. After retiring he defended the Daily Mail in a libel action
Peter Rawlinson, Baron Rawlinson of Ewell
Peter_Rawlinson,_Baron_Rawlinson_of_Ewell
US government health insurance program
and physician practices by making payments to health care providers conditional on desegregation. Medicare has undergone several major changes since
Medicare_(United_States)
Flat-fee multiple listing service or flat-fee MLS refers to the practice in the real estate industry of a seller entering into an "à la carte service agreement"
Flat-fee_MLS
Part of grammar in ancient Greek
Conditional clauses in Ancient Greek are clauses which start with εἰ (ei) "if" or ἐάν (eān) "if (it may be)". ἐάν (eān) can be contracted to ἤν (ḗn) or
Ancient Greek conditional clauses
Ancient_Greek_conditional_clauses
Type of school in New Zealand
integrated into the state education system under the Private Schools Conditional Integration Act 1975, becoming a state school while retaining its special
State-integrated_school
plus up to $100,000 conditional transfer funds $800,000 in intraleague transfer funds and up to $200,000 in conditional transfer fees $900,000 intra-league
List of most expensive women's association football transfers
List_of_most_expensive_women's_association_football_transfers
Promotional marketing strategy
"condition" taking place. Conditional rebate insurance can be a very effective marketing strategy for retailers because for a fixed fee the company eliminates
Conditional_rebate
German footballer
three-and-a-half-year contract with Venezia in Serie B, with an additional conditional one-year automatic renewal option. "Lion Lauberbach". worldfootball.net
Lion_Lauberbach
Italian footballer (born 2003)
Roma on loan for the 2025–26 season, for an estimated €2.5 million fee with a conditional obligation to make the move permanent at the end of the season.
Daniele_Ghilardi
(Amendment) Regulations 1995 (S.I. 1995/1673) Conditional Fee Agreements Order 1995 (S.I. 1995/1674) Conditional Fee Agreements Regulations 1995 (S.I. 1995/1675)
List of statutory instruments of the United Kingdom, 1995
List_of_statutory_instruments_of_the_United_Kingdom,_1995
Lawful permanent residency in the United States
resident under the conditional clause may receive an I-551 stamp as well as a permanent resident card. The expiration date of the conditional period is two
Green_card
Dismissal in United States law subject to conditions
may participate in the conditional dismissal program only once. A defendant admitted to the program must pay a $75 application fee, as well as any restitution
Conditional_dismissal
(Amendment) (No. 2) Rules 2000 (S.I. 2000 No. 2987 (L. 25)]) The Collective Conditional Fee Agreements Regulations 2000 (S.I. 2000 No. 2988) The Disability Discrimination
List of statutory instruments of the United Kingdom, 2000 (1701–3500)
List_of_statutory_instruments_of_the_United_Kingdom,_2000_(1701–3500)
Land, including its buildings and resources
Alienation Conquest Discovery Estates in land Allodial title Freehold Fee simple Fee tail Life estate Defeasible estate Leasehold estate Land tenure Future
Real_estate
Japanese public broadcaster
statutory corporation funded by viewers' payments of a television license fee. NHK operates two terrestrial television channels (NHK General TV and NHK
NHK
English words "the", "a(n)", and sometimes "some"
silent); a one-armed bandit (pronounced "won..."); an $80 fee (read "an eighty-dollar fee"); an herb in American English (where the h is silent), but
English_articles
No. 1238) The Non-Contentious Probate Fees (Amendment)Order 2003 (S.I. 2003 No. 1239 (L.25)]) The Conditional Fee Agreements (Miscellaneous Amendments)
List of statutory instruments of the United Kingdom, 2003
List_of_statutory_instruments_of_the_United_Kingdom,_2003
Interest rate for a whole year
appraisal firms, attorneys, etc. Lenders argue that including late fees and other conditional charges would require them to make assumptions about the consumer's
Annual_percentage_rate
Annual licence to receive live television
prosecuted and convicted. She received a three-month conditional discharge with an order to pay a £26 fee and court documents also showed that her benefits
Television licensing in the United Kingdom
Television_licensing_in_the_United_Kingdom
via a no-win no-fee lawyer, or via insurance or trade union lawyers. Since the Access to Justice act, "collective conditional fees" have blurred the
Legal aspects of workplace bullying
Legal_aspects_of_workplace_bullying
Italian footballer (born 2001)
of the season. On 30 January 2022, Ricci was loaned to Torino with a conditional obligation to purchase. On 28 January 2023, he scored his first goal
Samuele_Ricci
Legally binding document establishing rights and duties between parties
contract or term is voidable, the party entitled to avoid may either conditionally or unconditionally choose to affirm the contract or term as outlined
Contract
Inter Milan 2023–24 football season
Augusto from Monza on a season-long loan with a conditional obligation to buy for a reported total fee of €12 million plus bonuses. On 16 August, Austrian
2023–24_Inter_Milan_season
Napoli 2026–27 football season
Date Pos. Player From Fee Notes Ref. 1 July 2026 GK Vanja Milinković-Savić Torino €21,000,000 From loan to definitive purchase 1 July 2026 FW Rasmus Højlund
2026–27_SSC_Napoli_season
Management of real estate and physical property
as a management fee, remitting the remainder to the property owner. A fixed-fee property management model, also known as a flat-fee model, is an alternative
Property_management
American multinational financial technology company
auction sites and many other commercial and company users, which involve a fee. Established in March 2000 after a merger between Confinity and X.com, PayPal
PayPal
Former England & Wales Government NDPB (2000-2013)
success fees in conditional fees introduced under the Access to Justice Act for private client work. Typical case plans were produced. Expert fees were standardised
Legal_Services_Commission
2026-27 academic year, ability to charge the maximum tuition fees has become conditional upon teaching quality, requiring providers to have a Teaching
Timeline of tuition fees in the United Kingdom
Timeline_of_tuition_fees_in_the_United_Kingdom
Legal mechanisms used to secure the performance of obligations
mortgage was on its face an absolute conveyance of a fee simple estate, but was in fact conditional, and would be of no effect if certain conditions were
Mortgage_law
Beryl A. Howell reversed a previous lower court decision that granted conditional release and ordered him to be transferred to Washington for further hearings
List of cases of the January 6 United States Capitol attack (M-S)
List_of_cases_of_the_January_6_United_States_Capitol_attack_(M-S)
mid-19th century. The Boolean data type is primarily associated with conditional statements, which allow different actions by changing control flow depending
Glossary_of_computer_science
Winchester Grant of 40 hides (cassati) at Shalfleet, Isle of Wight, conditional upon the loyalty of Bishop Ealdhun and his successors to Æthelwulf; with
List_of_Anglo-Saxon_charters
England-based private limited company for university application processing
process for British universities and colleges. The company is funded by fees charged to applicants and universities as well as advertising income. Services
UCAS
Real estate contract
it is in the form of a flat fee or percentage of the sales price. The terms and conditions under which the brokerage fee shall be paid by the seller.
Listing_contract
Owner of a rented building, land or real estate
in Berkshire and Sayers Common in Sussex. As well as having normal full fee paying students, Licensed Victuallers' School in Ascot provides discounted
Landlord
Association football team season page
Position Date of birth (age) Signed in Signed from Contract ends Transfer fee Goalkeepers 1 Jean Butez GK (1995-06-08) 8 June 1995 (age 31) 2025 Antwerp
2026–27_Como_1907_season
Belgian footballer (born 2002)
2024–25 season, as the club achieved the conditional buy obligation for an estimated €8 million transfer fee. On 13 August 2025, De Winter joined fellow
Koni_De_Winter
English footballer (born 2003)
for Elliott's transfer. Liverpool confirmed the fee as £1.5 million, plus £2.8 million in bonuses. The fee was a record for a then-16 year old. In October
Harvey_Elliott
2026 American company IPO
reportedly warned clients that participation in the SpaceX IPO would be conditional on past behavior: those who had previously flipped IPO shares – selling
Initial public offering of SpaceX
Initial_public_offering_of_SpaceX
U.S. Customs and Border Protection program
non-refundable fee of US$120 due at the time of application (before consideration for conditional approval). Children under age 18 are exempt from the fee if their
Global_Entry
Brazilian financial technology company
Office of the Comptroller of the Currency (OCC), Nubank was granted conditional approval to establish a national banking presence in the US in January
Nubank
Policy on permits required to enter Armenia
applicants to stay in the country for up to 120 days or 141 days with a fee of 34€ (120 days validity) or 7€ (21 days validity). The application must
Visa_policy_of_Armenia
American soccer player (born 2001)
$200,000 in 2024 General Allocation Money, as well as up to $300,000 in conditional General Allocation Money. On July 18, 2025, Campbell signed for Championship
George_Campbell_(soccer)
Romanian footballer (born 2003)
2025–26 season, with a conditional obligation to buy. Coubiș joined Sampdoria permanently on 8 January 2026, for an estimated transfer fee of €150,000. On 9
Andrei_Coubiș
Professional soccer league in the United States and Canada
ESPN, and Univision, where MP & Silva insisted that the deal would be conditional on Major League Soccer adopting a promotion and relegation system. The
Major_League_Soccer
Napoli 2025–26 football season
from loan, with conditional obligation to buy 7 August 2025 MF Jens Cajuste Ipswich Town €1,200,000 After return from loan, with conditional obligation to
2025–26_SSC_Napoli_season
Register House Act 1855 18 & 19 Vict. c. 80 30 July 1855 An Act to ratify conditional Agreements entered into by the Commissioners of Her Majesty's Works and
List of acts of the Parliament of the United Kingdom from 1855
List_of_acts_of_the_Parliament_of_the_United_Kingdom_from_1855
Serbian footballer (born 2005)
Premiership club Rangers on a season-long loan with an appearance based, conditional obligation to buy for £4 million. Nedeljković represented three Serbian
Kosta_Nedeljković
Italian footballer (born 1996)
Mancini joined Roma on loan with a conditional obligation to buy for €13 million plus bonuses and a 10% sell on fee. Mancini scored an own goal in the
Gianluca_Mancini
Unrestricted availability of scholarly publications
Latin America are funded by higher education institutions and are not conditional on institutional affiliation for publication. Conversely, Knowledge Unlatched
Open_access
Toronto FC 2026 soccer season
up to $700,000 in conditional GAM February 19, 2026 9 CF Josh Sargent Norwich City Designated player contract and an undisclosed fee; $500,000 in GAM for
2026_Toronto_FC_season
Property sales intermediary
showings, negotiations, and paperwork. For example, some home sellers use “flat-fee brokers” or “limited-service agents” who offer minimal services and avoid
Real_estate_agent
13th chapter of the First Epistle to the Corinthians
phrase-by-phrase commentary on verses 4 to 7. Paul opens with three conditional sentences, each granting that a spiritual endowment has real value yet
1_Corinthians_13
Spanish footballer (born 1992)
by paying a fee of €5 million to Galatasaray. On 12 August 2025, Morata joined Serie A club Como on a season-long loan, with a conditional obligation to
Álvaro_Morata
15th-century codex in an unknown script
in languages are measured using a metric called h2, or second-order conditional entropy. Natural languages tend to have an h2 between 3 and 4, but Voynichese
Voynich_manuscript
Passports issued to U.S. nationals
16. A passport fee was first levied in 1856 at one dollar, and over the years remained at or under $10 (including a $1 execution fee introduced in 1920)
United_States_passport
travel, tourism, insurance
CONDITIONAL FEE
CONDITIONAL FEE
Surname or Lastname
English
English : from the Middle English vernacular form, Maudeleyn, of the New Testament Greek personal name Magdalēnē. This is a byname, meaning ‘woman from Magdala’ (a village on the Sea of Galilee, deriving its name from Hebrew migdal ‘tower’), denoting the woman cured of evil spirits by Jesus (Luke 8:2), who later became a faithful follower. In Christian folk belief she was generally identified with the repentant sinner who washed Christ’s feet with her tears in Luke 7; hence the name came to be used as a byname for a prostitute, also a tearful woman. The popularity of the personal name increased with the supposed discovery of her relics in the 13th century.
Surname or Lastname
English and Scottish
English and Scottish : occupational name for a senior herdsman, from Middle English fee ‘cattle’ + master ‘master’ (see Master).
Girl/Female
Hindu
Good or Happy condition, Solution, Fortune
Girl/Female
Tamil
Good or Happy condition, Solution, Fortune
Surname or Lastname
English
English : occupational name for a mower or reaper of grass or hay, Old English mǣðere. Compare Mead, Mower. Hay was formerly of great importance, not only as feed for animals in winter but also for bedding.English : in southern Lancashire, where it has long been a common surname, it is probably a relatively late development of Madder (see Mader).English : The prominent Mather family of New England were established in America by Richard Mather (1596–1669) in 1635. He was a Puritan clergyman from a well-established family of Lowton, Lancashire, England. After he emigrated, he was in great demand as a preacher, finally settling in Dorchester, MA. His son Increase Mather (1639–1723) was a diplomat and president of Harvard. He married his step-sister Maria Cotton, herself the daughter of an eminent Puritan divine, John Cotton. Their son Cotton Mather (1663–1728) bore both family names. The latter was a minister who is remembered for his part in witchcraft trials, but he was also a man of science and a fellow of the Royal Society in London.
Boy/Male
Tamil
Can travel in all climatic conditions
Boy/Male
Indian
Can Travel in All Climatic Conditions
Surname or Lastname
English
English : habitational name from any of various places, in Lincolnshire, Northumberland, Staffordshire, and South Yorkshire, so called from Old English fenn ‘marsh’, ‘fen’ + tūn ‘enclosure’, ‘settlement’Irish : English surname adopted by bearers of Gaelic Ó Fionnachta (see Finnerty) or Ó Fiachna ‘descendant of Fiachna’, an old personal name Anglicized as Feighney and sometimes mistranslated as Hunt (see Fee).Jewish (Ashkenazic) : Americanized form of various like-sounding names, for example Finkelstein (see Funke).
Girl/Female
Indian
Circumstance, Period of life, Wick, Condition, Degree
Surname or Lastname
English
English : patronymic from Fellow, from Middle English felagh, felaw late Old English fēolaga ‘partner’, ‘shareholder’ (Old Norse félagi, from fé ‘fee’, ‘money’ + legja to lay down). In Middle English the term was used in the general sense of a companion or comrade, and the surname thus probably denoted a (fellow) member of a trade guild. Compare Fear 1.
Girl/Female
Tamil
Circumstance, Period of life, Wick, Condition, Degree
Boy/Male
Arabic
State; Condition
Boy/Male
African, Arabic, Australian, French, Indian, Muslim, Sindhi
Sacrifice; Unconditional Love; Love
Boy/Male
Bengali, Indian
Sleepless; Condition of Being Awake; One who Conquers Sleep
Girl/Female
Tamil
Good or Happy condition, Solution
Boy/Male
African, Arabic, Australian, Greek, Swahili
Unique; Graceful; Kind; Sweet; The Beautiful Ocean; Loving; Forgiving; Content; Delighted; Beauty; Perfect; State; Handsome; Condition; The Sea
Boy/Male
Shakespearean
King Henry IV, Part 2' Francis Feeble, a country soldier.
Girl/Female
Hindu
Good or Happy condition, Solution
Male
Finnish
Finnish form of Old High German Friedrich, FEETRIKKI means "peaceful ruler."
Surname or Lastname
English
English : occupational name for a hunter, Old English hunta (a primary derivative of huntian ‘to hunt’). The term was used not only of the hunting on horseback of game such as stags and wild boars, which in the Middle Ages was a pursuit restricted to the ranks of the nobility, but also to much humbler forms of pursuit such as bird catching and poaching for food. The word seems also to have been used as an Old English personal name and to have survived into the Middle Ages as an occasional personal name. Compare Huntington and Huntley.Irish : in some cases (in Ulster) of English origin, but more commonly used as a quasi-translation of various Irish surnames such as Ó Fiaich (see Fee).Possibly an Americanized spelling of German Hundt.
CONDITIONAL FEE
CONDITIONAL FEE
CONDITIONAL FEE
CONDITIONAL FEE
CONDITIONAL FEE
CONDITIONAL FEE
CONDITIONAL FEE
travel, tourism, insurance