Vacation packages
Stays
Cars
Flights
Support
AARP Member Savings
My Trips
AARP.org
Join
Renew

Wyndham Garden Ushuaia Hotel del Glaciar

4.0 star property
Mountain ski retreat with bar/lounge

Choose dates to view prices

Wyndham Garden Ushuaia Hotel del Glaciar welcomes visitors with scenic Ushuaia beauty. Guests enjoy a breakfast buffet before exploring or relaxing in the garden. The hotel caters to families and adventure-seekers with ski facilities and a shuttle service.

Reviews

8.2 out of 10
Very good

Popular amenities

  • Spa
  • Bar
  • Breakfast included
  • Room service
  • Housekeeping
  • 24/7 front desk

Room options

Available filters for rooms
Showing 16 of 16 rooms

View all photos for Superior Room, 1 King Bed, Non Smoking, Bay View

1 bedroom, premium bedding, down comforters, Select Comfort beds

Superior Room, 1 King Bed, Non Smoking, Bay View

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Bay view
  • Sleeps 2
  • 1 King Bed

View all photos for Room, Multiple Beds, Non Smoking, Bay View

1 bedroom, premium bedding, down comforters, Select Comfort beds

Room, Multiple Beds, Non Smoking, Bay View

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Bay view
  • Sleeps 3
  • 1 King Bed and 1 Twin Bed

View all photos for Superior Room, 2 Twin Beds, Non Smoking, Bay View

1 bedroom, premium bedding, down comforters, Select Comfort beds

Superior Room, 2 Twin Beds, Non Smoking, Bay View

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Bay view
  • Sleeps 2
  • 2 Twin Beds

View all photos for Habitación estándar, 1 cama de matrimonio grande, Vista al Glaciar

1 bedroom, premium bedding, down comforters, Select Comfort beds

Habitación estándar, 1 cama de matrimonio grande, Vista al Glaciar

9.0 out of 10
Wonderful
(2 reviews)

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Sleeps 2
  • 1 King Bed

View all photos for Room, Multiple Beds, Non Smoking

1 bedroom, premium bedding, down comforters, Select Comfort beds

Room, Multiple Beds, Non Smoking

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Sleeps 3
  • 1 King Bed and 1 Twin Bed

View all photos for Habitación estándar, 2 camas individuales, Vista al Glaciar

1 bedroom, premium bedding, down comforters, Select Comfort beds

Habitación estándar, 2 camas individuales, Vista al Glaciar

10.0 out of 10
Exceptional
(1 review)

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Sleeps 2
  • 2 Twin Beds

View all photos for Loft, Multiple Beds, Non Smoking, Bay View

1 bedroom, premium bedding, down comforters, Select Comfort beds

Loft, Multiple Beds, Non Smoking, Bay View

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Separate bedroom
Premium bedding
  • 70 sq m
  • 1 bedroom
  • Bay view
  • Sleeps 4
  • 4 Twin Beds

View all photos for Loft, Multiple Beds, Non Smoking

1 bedroom, premium bedding, down comforters, Select Comfort beds

Loft, Multiple Beds, Non Smoking

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Separate bedroom
Premium bedding
  • 70 sq m
  • 1 bedroom
  • Sleeps 4
  • 4 Twin Beds

View all photos for Junior Suite, 1 King Bed, Non Smoking, Bay View

1 bedroom, premium bedding, down comforters, Select Comfort beds

Junior Suite, 1 King Bed, Non Smoking, Bay View

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Separate bedroom
Premium bedding
  • 60 sq m
  • 1 bedroom
  • Bay view
  • Sleeps 2
  • 1 King Bed

View all photos for Deluxe Suite, 1 King Bed, Non Smoking

Deluxe Suite, 1 King Bed, Non Smoking | 1 bedroom, premium bedding, down comforters, Select Comfort beds

Deluxe Suite, 1 King Bed, Non Smoking

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Separate bedroom
Premium bedding
  • 60 sq m
  • 1 bedroom
  • Sleeps 2
  • 1 King Bed

View all photos for Presidential Suite, 1 King Bed, Non Smoking, Bay View

Presidential Suite, 1 King Bed, Non Smoking, Bay View | 1 bedroom, premium bedding, down comforters, Select Comfort beds

Presidential Suite, 1 King Bed, Non Smoking, Bay View

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Separate bedroom
Premium bedding
  • 100 sq m
  • 1 bedroom
  • Bay view
  • Sleeps 2
  • 1 King Bed

View all photos for Suite junior, 1 cama de matrimonio grande, Vista al Glaciar

1 bedroom, premium bedding, down comforters, Select Comfort beds

Suite junior, 1 cama de matrimonio grande, Vista al Glaciar

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Separate bedroom
Premium bedding
  • 60 sq m
  • 1 bedroom
  • Sleeps 2
  • 1 King Bed

View all photos for Superior Room, 1 King Bed, Non Smoking (Glacier View)

1 bedroom, premium bedding, down comforters, Select Comfort beds

Superior Room, 1 King Bed, Non Smoking (Glacier View)

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Sleeps 2
  • 1 King Bed

View all photos for Superior Room, 2 Twin Beds, Non Smoking (Glacier View)

1 bedroom, premium bedding, down comforters, Select Comfort beds

Superior Room, 2 Twin Beds, Non Smoking (Glacier View)

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Sleeps 2
  • 2 Twin Beds

View all photos for Standard Room, 1 King Bed, Non Smoking, Bay View

1 bedroom, premium bedding, down comforters, Select Comfort beds

Standard Room, 1 King Bed, Non Smoking, Bay View

8.0 out of 10
Very good
(3 reviews)

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Bay view
  • Sleeps 2
  • 1 King Bed

View all photos for Standard Room, 2 Twin Beds, Non Smoking, Bay View

1 bedroom, premium bedding, down comforters, Select Comfort beds

Standard Room, 2 Twin Beds, Non Smoking, Bay View

8.0 out of 10
Very good
(1 review)

Highlights

Individually furnished
Individually decorated
Heating
Connecting rooms available
Free cribs/infant beds
Smart TV
Down duvet
Select Comfort bed
  • 30 sq m
  • Bay view
  • Sleeps 2
  • 2 Twin Beds

About the neighborhood

Map
LUIS FERNANDO DEL MARTIAL 2355, Ushuaia, Tierra del Fuego, 9410

What's nearby

  • Islas Malvinas Monument - 6 min drive - 2.1 miles
  • Islas Malvinas Square - 6 min drive - 2.3 miles
  • St. Christopher Shipwreck - 7 min drive - 2.6 miles
  • Ushuaia Port - 7 min drive - 2.8 miles
  • The End of the World Train - 14 min drive - 5.3 miles

Getting around

  • Fin del Mundo Station - 22 min drive
  • Ushuaia (USH-Malvinas Argentinas Intl.) - 18 min drive

Restaurants

  • ‪Bodegón Fueguino - ‬9 min drive
  • ‪Salitre - ‬9 min drive
  • ‪Club 1210 - ‬9 min drive
  • ‪El Mercado - ‬8 min drive
  • ‪Triumph Café & Restó - ‬9 min drive

About this property

Wyndham Garden Ushuaia Hotel del Glaciar

Upscale hotel near Islas Malvinas Square
Located close to Islas Malvinas Monument and St. Christopher Shipwreck, Wyndham Garden Ushuaia Hotel del Glaciar provides a free breakfast buffet, a coffee shop/cafe, and a garden. Skiers and snowboarders can spend time on the slopes at this hotel offering a ski shuttle, ski equipment rentals, and ski storage. Treat yourself to a massage or other spa services. Stay connected with free in-room WiFi, and guests can find other amenities such as laundry facilities and a fireplace in the lobby.
Other perks include:
  • Free self parking
  • An area shuttle, an elevator, and concierge services
  • A 24-hour front desk, a reception hall, and wedding services
  • Guest reviews say great things about the helpful staff
Room features
All 122 individually furnished rooms offer comforts such as premium bedding and laptop-compatible safes, in addition to amenities like free WiFi and desk chairs.
Other conveniences in all rooms include:
  • Recycling and LED light bulbs
  • Bathrooms with bidets and shower/tub combinations
  • 43-inch Smart TVs with cable channels
  • Wardrobes/closets, free infant beds, and heating

Similar properties

Breakfast, lunch and dinner served
Albatros Hotel
  • Breakfast included
  • Spa
  • Free WiFi
  • Restaurant
8.8 out of 10, Excellent, 424 reviews
Albatros Hotel

Property amenities

Internet

  • Available in all rooms: Free WiFi
  • Available in some public areas: Free WiFi

Parking and transportation

  • Area shuttle (surcharge) up to 5 km
  • Ski shuttle (surcharge)
  • Free uncovered self parking on site

Food and drink

  • Free buffet breakfast available daily 7:00 AM to 11:00 AM
  • A bar/lounge
  • A coffee shop/cafe

Things to do

  • Gym
  • Helicopter/airplane tours
  • Ski equipment rentals
  • Ski storage
  • Snow sports gear
  • TV in common areas

Family friendly

  • In-room crib
  • Laundry facilities
  • Living room

Conveniences

  • 24-hour front desk
  • Laundry facilities
  • Luggage storage
  • Safe at front desk
  • Water dispenser

Guest services

  • Change of bedsheets (on request)
  • Change of towels on request
  • Concierge services
  • Housekeeping (daily)
  • Multilingual staff
  • Porter/bellhop
  • Proposal/romance packages
  • Tour and ticket assistance
  • Wedding services

Business services

  • 16,146 square feet of conference space
  • 3 meeting rooms

Outdoors

  • Garden
  • In the mountains
  • On the boardwalk/promenade
  • Picnic area

Spa

  • Massage
  • Spa services

Accessibility

  • If you have requests for specific accessibility needs, please contact the property using the information on the reservation confirmation received after booking.
  • 3 steps to reach entrance
  • Braille/raised signage
  • Elevator (31 inch wide door)
  • Front entrance ramp
  • Handrails in stairways (39 inches high)
  • Low-height door lock
  • Well-lit path to entrance
  • Wheelchair accessibility
  • Wheelchair accessible (may have limitations)
  • Wheelchair-accessible concierge desk
  • Wheelchair-accessible path to elevator
  • Wheelchair-accessible public washroom
  • Wheelchair-accessible registration desk (39 inches high)
  • Wheelchair-accessible restaurant
  • Wheelchair-width doorways (1 inch wide)
  • Wheelchairs on site

More

  • At least 80% lighting from LEDs
  • Banquet hall
  • Built in 1991
  • Fireplace in lobby
  • Local culture and ecosystem education
  • Reception hall
  • Smoking not allowed

Room amenities

Bedroom

  • Blackout drapes
  • Down comforter
  • Free crib
  • Premium bedding
  • Select Comfort mattress

Bathroom

  • Bidet
  • Free toiletries
  • Hair dryer
  • Private bathroom
  • Shampoo
  • Shower/bathtub combination
  • Soap
  • Toilet paper
  • Towels provided

Entertainment

  • 43-inch smart TV with cable channels

Food and drink

  • Free bottled water
  • Limited room service
  • Minibar

More

  • Connecting rooms available
  • Desk
  • Desk chair
  • Electrical adapters
  • Energy-saving switches in guestrooms
  • Heating
  • Individual decor
  • Individual furnishings
  • Laptop workspace
  • Laptop-compatible safe
  • LED lighting
  • Living room
  • Phone
  • Recycling

Policies

Check-in

Check-in start time: 3:00 PM; Check-in end time: anytime
Early check-in subject to availability
Early check-in is available for a fee
Contactless check-in available
Minimum check-in age: 18

Check-out

Check-out before 10:00 AM
Late check-out subject to availability
A late check-out fee will be charged

Special check-in instructions

Front desk staff will greet guests on arrival at the property

Access methods

Staffed front desk

Pets

Pets not allowed (service animals are welcome, and are exempt from fees)

Children and extra beds

Children are welcome
Rollaway/extra beds are available for USD 100 per day
Free cribs are available on request at the property

Property payment types

Important information

Optional extras

  • Early check-in is available for a fee (subject to availability)
  • Late check-out is available for a fee (subject to availability)
  • Rollaway bed fee: USD 100 per day

The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.

You need to know

Extra-person charges may apply and vary depending on property policy
Government-issued photo identification and a credit card, debit card, or cash deposit may be required at check-in for incidental charges
Special requests are subject to availability upon check-in and may incur additional charges; special requests cannot be guaranteed
This property accepts credit cards, debit cards, and cash
Safety features at this property include a carbon monoxide detector, a fire extinguisher, a smoke detector, and a security system
This property affirms that it follows the cleaning and disinfection practices of Count on Us (Wyndham)

We should mention

Reservations are required for massage services; reservations can be made by contacting the property prior to arrival, using the contact information on the booking confirmation
Only registered guests are allowed in the guestrooms
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation
A car is recommended for transportation to and from this property

Property is also known as

Glaciar Hotel USHUAIA
Glaciar Hotel
Glaciar USHUAIA
Del Glaciar
Wyndham Ushuaia Del Glaciar
Wyndham Garden Ushuaia Hotel del Glaciar Hotel
Wyndham Garden Ushuaia Hotel del Glaciar Ushuaia
Wyndham Garden Ushuaia Hotel del Glaciar Hotel Ushuaia

Frequently asked questions

Is Wyndham Garden Ushuaia Hotel del Glaciar pet-friendly?

No, only service animals are welcome at the property.

How much is parking?

Self parking is free at this property.

What time is check-in at Wyndham Garden Ushuaia Hotel del Glaciar?

Check-in start time: 3:00 PM; Check-in end time: anytime. A fee applies for early check-in (subject to availability).

What time is check-out at Wyndham Garden Ushuaia Hotel del Glaciar?

Check-out is at 10:00 AM. Late check-out is available for a fee (subject to availability).

Where is Wyndham Garden Ushuaia Hotel del Glaciar located?

Conveniently near skiing facilities, this Ushuaia hotel is located in the mountains within 3 mi (5 km) of Islas Malvinas Square, Islas Malvinas Monument, and Glaciar Martial. St. Christopher Shipwreck and Ushuaia Port are also within 3 mi (5 km).

Have a question?

AI iconBeta

Get instant answers with AI powered search of property information and reviews.

Reviews

Wyndham Garden Ushuaia Hotel del Glaciar Reviews

8.2

Very Good

9.0

Cleanliness

8.0

Amenities

8.6

Staff & service

8.2

Eco-friendliness

8.0

Property conditions & facilities
Rating 10 - Excellent. 59 out of 120 reviews
Rating 8 - Good. 31 out of 120 reviews
Rating 6 - Okay. 18 out of 120 reviews
Rating 4 - Poor. 7 out of 120 reviews
Rating 2 - Terrible. 5 out of 120 reviews

Reviews

6/10 Okay

Alejandro

Liked: Cleanliness, staff & service
Nice room and great food and beverage team
Stayed 7 nights in Sep 2025

10/10 Excellent

sundaram

Liked: Cleanliness, amenities, property conditions & facilities
nice people at reception especially nicholas. nice place
Stayed 1 night in Oct 2025

10/10 Excellent

Antônio

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Very good.
Stayed 4 nights in Nov 2025

10/10 Excellent

Mary Ann

Liked: Cleanliness, amenities, property conditions & facilities
Staffs were curteous , transferred to a view room as per Expedia said entitled to free upgrade , we were upgraded to find out toilet not flushing have to call to fix which they did right away.Good service
Stayed 1 night in Nov 2025

10/10 Excellent

Dakshesh

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Good and safe place to spend time with family
Stayed 2 nights in Apr 2025

10/10 Excellent

Sandra Bailey

Liked: Cleanliness, staff & service
Quiet and cozy hotel near Martial Glacier hiking trails with a friendly staff and fantastic views of Ushuaia.
Stayed 2 nights in Feb 2025

10/10 Excellent

Michael

Liked: Cleanliness, staff & service, property conditions & facilities
Lovely place to stay in an amazingly beautiful country with the most incredibly kind and helpful people i have ever encountered. Argentina and Ushuaia in particular are now my most favorite place on earth.
Stayed 2 nights in Dec 2024

10/10 Excellent

steven

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
beautiful views
Stayed 2 nights in Mar 2024

10/10 Excellent

Miguel Eduardo Padilla

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Wonderful property located in a great location. You can hike to the glaciar and look over the port. Friendly staff.
Stayed 2 nights in Mar 2024

8/10 Good

Crystal

Liked: Cleanliness, staff & service
This property was in a very beautiful location, quiet, and close to the end of the world train. It was very far from any other dining options which isn't ideal. The place definitely felt dated inside the room. Overall not bad for a night's stay.
Stayed 1 night in Feb 2025

10/10 Excellent

Leo

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Great location, staff, food, rooms. Just no upgrades
Stayed 1 night in Feb 2024

6/10 Okay

Verified traveler

Liked: Cleanliness, staff & service, property conditions & facilities, room comfort

Very clean , but..

The WiFi connection is not working properly. The breakfast menu was poor for the hotel category. It was very difficult to set the shower temperature.
Stayed 4 nights in Feb 2025

10/10 Excellent

JUAN

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Service was excellent by each and every one of the employees I encountered througout the property. Sometimes they even went above and beyond to make sure all my needs and expectations were made. As it was my first time in Argentina I was a bit preoccupied and feeling out of place but their expertise of the area, knowledge, and their willingness to share it with me for my benefit was incredible. I would most definitely go back on future trips. See you soon.
Stayed 4 nights in Jun 2024

6/10 Okay

Nishant

Liked: Staff & service

Average Experience

The hotel is higher up on the hill/mountain with nice views of the city. One can walk to a nice tea shop and hike towards glacier jn 20 minutes. In order to do activities one always need to get in a taxi. Thats a major drawback. Taxi is not expensive at around $3-5 dollar per trip in Dec 2023. The hotel does require maintenance. The carpets smell and need cleaning/replacement. The bathroom fixtures are not in good shape. The quality of breakfast food wasn't great either. On postive you have great views from the dinning are and your room! The hotel.maybe a better choice during the season to enjoy moutain sports.
Stayed 3 nights in Dec 2023

6/10 Okay

Jean

Liked: Cleanliness, property conditions & facilities
Disliked: Amenities
The hotel was nice enough, and the staff (especially Agustin, the doorman) was very helpful. But the restaurant menu was limited, the hotel is far too far away from the city center for our liking - which might have been OK if there was anything else to do at the hotel, which there was not. We understand that most people who stay here do so because they're hikers, or other type of outdoorsy people, and they may not be in the room as often as we were. That was not an option for us due to an injury that my wife suffered while on our trip. We had to find a place in a hurry since we had to stay over in Ushuaia due to my wife's medical condition, and our cruise line booked this place for us. We certainly would not have chosen it for ourselves, especially not for close to 300 USD per night. It's worth half that at best. The view of the harbor and the glacier was outstanding, but that's all this place has going for it. Taxis and Ubers are cheap, so you can get around if you need to.
Stayed 3 nights in Dec 2023

2/10 Terrible

Paulina

Disliked: Staff & service
NO fui a hospedarme al Hotel pues por equivocación reservé para octubre y era para noviembre y se negaron rotundamente a modificarme la fecha a pesar que hice todo lo posible! Fatal servicio de parte de reservaciones del hotel!!!
Stayed 3 nights in Oct 2025

8/10 Good

María Andrea

Liked: Cleanliness, amenities, property conditions & facilities
Excelente vista, buen desayuno y buena atención del personal.
Stayed 4 nights in Aug 2025

10/10 Excellent

DANIEL

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Lugar maravilloso
Stayed 5 nights in Aug 2025

4/10 Poor

Carlo

Disliked: Amenities, property conditions & facilities
Hotel didn’t look like the foto that you guys posted on Expedia Amenities not available Bed smell of fried food on the reception area almost all the time Breakfast food very poor for a 4 star Hotel
Stayed 5 nights in Aug 2025

8/10 Good

ADELA

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Vistas maravillosas y acceso rápido al mirador del martial.
Stayed 8 nights in Jul 2025

10/10 Excellent

Leonardo

Unique view of Ushuaia

A wonderful and impaired view of the city in a comfortable place.
Stayed 6 nights in Jul 2025

10/10 Excellent

Lisa

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Food was excellent. Options for Gluten-Free excellent. Staff knowledgeable and friendly. Lobby beautiful with a real fire in the evenings. Rooms very spacious and clean
Stayed 3 nights in Feb 2025

10/10 Excellent

Katharine

Liked: Cleanliness, staff & service, property conditions & facilities, room comfort

Amazing staff, amazing view!

I would definitely stand this place again. The views out every window are stunning. Restaurant is nice. Staff is super helpful and accommodating. My only complaint, which is not a deal breaker, is that the beds were too firm for me.
Stayed 3 nights in Feb 2025

8/10 Good

Ken

Liked: Cleanliness, staff & service, room comfort

Away in Ushuaia

Staff were extremely helpful, warm and friendly. The hotel itself is a bit tired and needs some tender loving care.
Stayed 1 night in Feb 2025

8/10 Good

Ken

Liked: Cleanliness, staff & service

Staying in Ushualia

The staff were very good but the hotel is a bit tired and needs some refurbishment. Still a good stay.
Stayed 1 night in Feb 2025

  • † More information about the $50 gift card with flight package benefit may be found at: https://www.expedia-aarp.com/lp/b/vacationpackages50prepaid

  • English Copyright 1995 – 2025. All rights reserved. Use of this Web site constitutes acceptance of the Expedia User Agreement and Privacy Policy. Expedia pays a royalty fee to AARP for the use of AARP’s intellectual property. These fees are used for the general purpose of AARP. All goods or services and discounts offered via the AARP® Travel Center powered by Expedia ®, are provided by third-party suppliers. AARP and its affiliates do not endorse and are not responsible for the goods or services and discounts made available on this site. Offers are subject to change and may have restrictions. Please contact the AARP® Travel Center powered by Expedia® directly for full details. AARP and its affiliates are not insurers.