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BGB 651k. 1 The travel organiser must guarantee that the traveller is reimbursed the price of the travel package paid to the extent that travel services fail to materialise due to insolvency or the commencement of insolvency proceedings relating to the assets of the travel organiser , and necessary expenses incurred by the traveller for return travel due to insolvency or the commencement of insolvency proceedings relating to the assets of the travel organiser . The duties under sentence 1 may only be performed by the travel organiser by means of an insurance policy taken out with an insurance company authorised to conduct business operations within the area of application of this Code , or by the promise of payment of a banking institution authorised for business operations within the area of application of this Code .