From now on, consumers will be able to terminate their general insurance contracts through “Me Quiero Salir”, a SERNAC platform that was launched in June of last year to terminate telecommunications contracts, and which to date has allowed more than 49 thousand users have been able to end their links quickly and expeditiously.
As of today, the general insurance market joins “Me Quiero Salir”, which will allow consumers to terminate their insurance contracts early, such as motor vehicle insurance; of unemployment; fraud, home insurance, and species theft insurance.
The Regional Director of SERNAC, MARÍA FRANCISCA ORTIZ OBERG, explained that the objective of this tool is to provide facilities to consumers, especially in markets where “it is simple to contract, but many times it is difficult to get out. Today people need more than ever to be able to terminate contracts that they do not need, do not want or cannot continue to pay. This platform promotes best practices, by making it easier for consumers to terminate contracts, without barriers or difficulties. Therefore, it encourages competition in the market. “
Since last year and until May of this year, SERNAC received more than 21 thousand claims related to the insurance market. 15.7% of them are due to difficulties in completing the contract. That is, more than 3,000 claims.
In this first stage, six companies and brokers voluntarily joined the “Me Quiero Salir” initiative: four insurance companies and two insurance brokers. These are Cencosud Scotiabank Insurance Brokers, Banchile Corredores de Seguros, BNP Paribas Cardif, Consorcio, SURA and HDI.
Once consumers submit a request to some of these companies, the companies must cancel the contract that same day. Subsequently, within a maximum period of 8 days, users will formally receive a response to the request from SERNAC.
However, the “Me Quiero Salir” platform will allow consumers to request the termination of the insurance with any company or broker, since SERNAC will periodically officiate the rest of the companies in the market, which will be obliged to terminate the insurance requested. by users at the time of being notified.
In the event that the companies refuse, SERNAC will take various steps to verify that the decision does not contravene the rights of consumers.
This platform was managed and adapted for the general insurance market, through coordinated work between SERNAC and the Commission for the Financial Market (CMF).
“I want to get out” telecommunications
Since last June to date, “Me Quiero Salir” has allowed 49 thousand users to be able to finalize their contracts with telecommunications companies quickly and easily. Consumers report that they decide to terminate service generally because they no longer need it or cannot continue to pay because they lost their source of income during the pandemic.
The tool Me Quiero Salir has been valued by citizens and other institutions. In fact, it recently won first place in the “Funciona 2020” contest, an instance organized by the Civil Service that highlighted development and innovation for the benefit of citizens.
SERNAC will be monitoring the behavior of the companies. In case of detecting breaches or that companies unjustifiably deny the request of consumers, SERNAC will take all the necessary actions established in the Consumer Law.
How to use Me Quiero Salir
● Enter the site www.sernac.cl to the section “Consumer Portal”
● Enter with your SERNAC or ClaveÚnica password.
● The termination request can be made by the person holding the contract and also by the insured. To do this, you must fill out a form that allows you to identify the company and / or broker and the insurance in question.
● Prior to sending the application, the platform will warn the consumer about the loss of coverage from the entry of their application. Once the request is formulated, the platform will record the day and time of your entry, notifying the company that same day.
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