that do not take place or repatriation when the operator’s collapse occurs during the package. Paragraph 1 adds that the guarantee covers payments made if a package is not fully or partially executed as a result of the organiser’s insolvency, or if a traveller is entitled to a refund. If a voucher is involved, the guarantee is limited to the value of the traveller’s refund entitlement. In accordance with the amendment introduced in paragraph 2, the guarantee is always sufficient to cover the costs of refunds and repatriations and must take into account the possibility of insolvencies occurring when organisers hold the largest amount of payments. The guarantee also accounts for changes in the volume of package sales. The effectiveness of the protection, which the very heading of the rule highlights, is a fundamental aspect, so that, to ensure it, a new paragraph 3 stipulates that Member States supervise the mechanisms established in their territory, e.g. insurance, surety, guarantee fund, and monitor the solutions available for consumer protection. Experience has shown that, in addition to the diversity of solutions at the Member State level, response times vary considerably, so the European legislator sets a maximum period of six months for reimbursement from the date of submission of the necessary documents. A minimum core of information must be readily available to travellers in the event of an organiser’s insolvency, in particular, the contact details of the responsible party (insurance company, guarantee fund manager, etc.) and more detailed information regarding online inventories that include all organisers. Article 18 deals with aspects of cooperation and supervision by Member States, introducing the obligation to exchange information on insolvency protection and the mechanisms established to ensure the effectiveness of reimbursements (paragraph 2). XI. THE ORGANISER’S RIGHT TO REIMBURSEMENT FROM SERVICE PROVIDERS Paragraph 1 of Article 22 already enshrines the right of the organiser or retailer to obtain redress from third parties, a right that requires further development in light of the principle of procedural autonomy of Member States. The aim is to ensure, through national procedural law, that the organiser or retailer who 20 CARLOS TORRES
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