Every year, thousands of motorists must hire the Mandatory Personal Accident Insurance, better known as SOAP 2021, which provides complete coverage against the risk of death or injury as a result of a traffic accident.
In turn, this Obligatory insurance It is one of the many requirements required by law to renew the Circulation Permit, a procedure that you must carry out before March 31, 2021. Along with this, it is essential to have the current technical review and not maintain debts for expired traffic fines.
That is why in this note we will tell you everything you need to know about the Mandatory Personal Accident Insurance, the vehicles that require it, how to pay it, where to hire it, the payment dates and many more topics.
What is SOAP or Compulsory Personal Accident Insurance?
According to Law 18,490, the Compulsory Personal Accident Insurance covers death and bodily injuries that are a direct consequence of accidents in which the insured vehicle participates.
Specifically, the law states that the coverage of the Obligatory insurance comprises the following people:
- The driver of the insured vehicle.
- People have been transported inside the vehicle.
- And any third party affected in the accident where the insured vehicle has intervened, such as: cyclists or pedestrians.
On the other hand, in relation to the coverage amounts established in the law for the SOAP 2021These apply to all types of motorized vehicles. That is, for cars, motorcycles, trucks, jeep, station wagon, vans, mobile homes and tow trucks, among others.
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In this regard, the coverage amounts are as follows:
- In case of death: 300 UF
- Total permanent disability: 300 UF
- Partial permanent disability: Hasta 200 UF
- Medical and hospital expenses: Hasta 300 UF
Finally, regarding the deadlines to claim these benefits, one year is available counting from the date the loss occurred; or from the death of the injured person. The same happens when it comes to permanent disability, from the date of issuance of the certificate.
Until when do I have time to contract my SOAP?
Another of the frequently asked questions by users is related to the time they have to hire their Obligatory insurance.
Being one of the requirements to renew the Vehicle Permit, motorists have a deadline until March 31 of this year for pay your SOAP 2021.
What vehicles need SOAP?
All owners of motorized vehicles must contract the Mandatory Personal Accident Insurance to circulate throughout the country. According to the law, a motorized vehicle is understood to be one that moves in the land environment and that has its own propulsion. But what about tow trucks and motor homes?
In the case of trailers, trailers, mobile homes or other similar, and that need a propulsion to function, the law indicates that they must also have the Obligatory insurance correspondent.
That is, if you have a car, motorcycle, truck, jeep, station wagon, van, motor home, tow truck, trailer, and trailer, you must contract the SOAP.
What do I need to contract my SOAP?
To hire your Obligatory insurance You must have at hand all the information that appears in the vehicle registration, such as the letters and numbers of your license plate, the type of vehicle, the make, the model, the engine number and the year. In addition, during the purchase process you must complete all your personal data, such as name, RUT, surname, email and a contact telephone number.
However, some insurers have had digital platforms that allow streamlining this process quickly, safely and 100% digitally.
This is the case of HDI Insurance, which has an online platform that allows users to quote and contract their mandatory insurance in three simple steps.
To do this, you only have to enter the website of the insurer and enter the license number of your vehicle. Then all the owner and car details will be automatically filled in.
How do I print my SOAP?
Once the buy of SOAP 2021, they will send you the policy of the Obligatory insurance to email. It usually comes in PDF format and you can print it to save it in your glove compartment or in your preferred place.
Where to buy my SOAP?
To hire the Mandatory Personal Accident Insurance, also known as SOAP 2021, users have the following options:
- Banks
- Insurers
- Companies
- Retail stores
- Foundations
- Fintech
- Telephone companies
- Among other options.
Due to the Coronavirus pandemic, the vast majority of these entities have online platforms to carry out the procedure without the need to leave your home. For this it is important that you have all the data of the vehicle’s registry.
How much does the annual insurance policy cost?
Currently, one of the cheapest options on the market is offered HDI Insurance with one of the Cheaper SOAP, since the $ 4,990 for cars, jeep and station wagon. On average, for this type of vehicle, insurers offer this insurance with an average value of $ 5,500 and prices that even reach $ 8,660.
Meanwhile, for motorcycles the average price in the industry is $ 35,935. In this case, HDI’s insurance is also one of the cheapest, at a value of $ 31,450.
In this regard, the prices in HDI Seguros for the Compulsory Personal Accident Insurance, better known as SOAP 2021, are the following:
- Car, jeep and station wagon: $4.990
- Truck and van: $7.250
- Motorcycles: $31.450
- Tow truck and motorhome: $4.490
- Minibus: $19.690
How to pay for the insurance?
Another of the most frequently asked questions by users when buying the Obligatory insurance online, is regarding the payment methods.
In that sense, hiring your SOAP 2021 in HDI Seguros, you can do it through the Webpay option. In this way, you can pay your insurance online with credit, debit and prepaid cards.
Finally, paying with Webpay, you will have the option to do it safely and 100% online, without any additional cost.
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