Overview
Chapka is a travel insurance partner integrated into your Amenitiz booking engine. When a guest books direct, they can opt to add Chapka coverage during checkout — for cancellation cover, lost luggage, civil liability, and more. The insurance is paid by the guest and is free for you; Amenitiz collects the fee at booking and forwards it to Chapka.
Before you start
AmenitizPay is required — Chapka can only be sold to guests who pay with AmenitizPay at booking. Hotels without AmenitizPay can't offer it.
Direct bookings only — Chapka is offered on your Amenitiz booking engine. OTA bookings (Booking.com, Airbnb, etc.) can't include it because the guest never goes through your engine.
EU citizens only — coverage is for EU citizens worldwide and foreign guests travelling from the EU.
Specific sales terms required — activating Chapka creates a dedicated sales term on your account that the guest accepts at booking. These terms are mandatory and managed by Amenitiz.
To activate, see how to activate the Chapka Insurance.
How it works for the guest
The guest searches for a stay on your booking engine and lands on the rates page.
At checkout, they see the Chapka option with a one-line description and the price.
They tick (or skip) the insurance, accept the sales terms, and pay through AmenitizPay.
If they opted in, Amenitiz notifies Chapka automatically and the policy is created in their name.
Cost and how it's settled
Price for the guest: 3.7% of the accommodation amount of the booking, with a €5 minimum. Calculated on the room cost only — not on extras, taxes, or city tax.
Cost for you: zero. Chapka is free for the hotelier.
No AmenitizPay commission on the Chapka settlement — the insurance amount passes through unchanged.
Settlement flow: you receive the booking's full amount minus AmenitizPay commission and the Chapka fee in your weekly payout. At the start of the next month, Amenitiz deducts the Chapka portion from your account and issues you an invoice for the deduction so you can reconcile.
What Chapka covers
For the guest
Cancellation for unforeseeable, external and justified reasons (including COVID-related damages)
Interruption of the stay or late arrival
Civil liability for holiday accommodation
Anti-surprise cover — fraudulent transactions or non-conformity of the rented property
Forgotten objects, key replacement after loss or theft
Lost, stolen or damaged luggage
Emergency veterinary expenses
Replacement vehicle in case of breakdown, theft or accident
Unavailability of the rented property
For you, the hotelier
Tenant's cancellation
Civil liability of the owner
Re-letting costs in case of cancellation by the tenant
For the full coverage details and conditions: summary of coverage · general conditions (Formula 3).
FAQs
Do I pay anything to offer Chapka?
Do I pay anything to offer Chapka?
No. Chapka is free for you. The guest pays the premium directly at booking and it's passed through Amenitiz to Chapka — no commission, no setup fee on your side.
How is the Chapka fee deducted from my payouts?
How is the Chapka fee deducted from my payouts?
The booking total minus the AmenitizPay commission and the Chapka portion comes through in your weekly payout. At the start of the next month Amenitiz deducts the Chapka portion from your bank account and emails you an invoice for that deduction so the books reconcile.
Why is Chapka only available on direct bookings?
Why is Chapka only available on direct bookings?
The guest has to see and accept the dedicated Chapka sales term during checkout. OTA guests check out on the OTA, not on your booking engine, so they never reach that consent step. Direct booking engine + AmenitizPay is the only path.
A non-EU guest tried to book — why didn't they see Chapka?
A non-EU guest tried to book — why didn't they see Chapka?
Chapka coverage is limited to EU citizens worldwide and foreign guests travelling from the EU. The option is hidden automatically when the guest's country doesn't qualify, so they continue without it.
The guest cancelled. Do they still pay the Chapka fee?
The guest cancelled. Do they still pay the Chapka fee?
Refund handling for Chapka follows Chapka's own policy, not yours. If the guest claims under the policy (covered cancellation reason), Chapka pays out per the contract. The insurance fee itself isn't refunded if the policy was already in force. Direct refund questions to Chapka's claims team.
Can I turn Chapka off later?
Can I turn Chapka off later?
Yes — deactivate from the Marketplace. Disabling Chapka also disables the dedicated Chapka sales term, so no new guest can buy it. Existing policies stay in force.