Policy No.

UP128112

MOBILE SOLUTION POLICY MORE DIGITAL 2.0

Deductible 5 UF

This insurance entity, in consideration of the proposal submitted by the insured and to the
the following particular and general conditions that accompany, ensure the following:

Runner's Data
Name: Bci Insurance Digital Channel Ruth 99,147,000 - K
Executive Name: Bci General Insurance S.A
Commission: 0.00% of the net premium.
Insured Data
Patricia Soledad Soto Ahumada Rut: 12.459.306 − 9
Address: 10000 Santa Rosa Avenue Apartment 32
City: Santiago La Granja
Landline Phone: 977073152 Cell phone: 977073152
e-Mail [email protected]
Contractor Information
Patricia Soledad Soto Ahumada Rut: 12.459.306 − 9
Address: 10000 Santa Rosa Avenue Apt 32
City: Santiago La Granja
Landline Phone: 977073152 977073152
e-Mail [email protected]
Total Primas
First Affects UF: 11.32 IVA UF: 2.15 13.47
Validity of the Insurance
From: 12:01 AM on 03/12/2019 Until: 12:00 PM on 12/03/2020

Authorized Firm

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Payment Method
Payment Method: PAT Amount to Pay UF: 13.47 excluding VAT
Number of Installments: 12 Value Monthly Fee UF: 1.12 excluding VAT

The value of each installment will be charged to the VISA credit card number 4120031088116720 Bank
of Credit and Investments.
The payment of the premium will be made through the PAT modality, Discount Authorization in
Credit Card, so the conditions of the mandate that authorizes this payment method
is an integral part of the specific conditions of the policy. (Circ. 1499 SVS).

Description of the Insured Matter

Vehicle: Van Brand: Dongfeng
Model: Ax4 Version:
Year: 2019 Kilometraje 0
Use: Particular State: New
Patent: ET0000 Motor Number: J0254105
Nro.Chasis LGJE3FE22JN038521 Color Red
Insurable interest: OWNER OR PROPRIETOR Specific use: PARTICULAR
Covers
Amount Dist.
Plan Coverage
Insured (UF) (UF)
Material Damage POL 1 2013 0214 Commercial Value 4.96
10% of the Value
Commercial
Theft of Accessories (CAD 1 2013 0335) 1.20
Maximum of UF
40
Robbery, theft or unauthorized use POL 1 2013 0214 Commercial Value 1.20
Strike and Terrorism CAD 1 2013 0336 Commercial Value 0.20
Malicious Acts CAD 1 2013 0337 Commercial Value 0.20
UF 1000
Civil Liability Damages (POL 1 2013 0214) 1.20
Independent
UF 1000
Civil Liability Moral Damage (POL 1 2013 0214) 0.10
Independent
UF 1000
Civil Liability Lost Profits (POL 1 2013 0214) 0.10
Independent
Property Damage as a Consequence of Earthquake (CAD 1 2013 0340) Commercial Value 0.20
Material Damages caused by Dependent Drivers (CAD 1 2013 0346) Commercial Value 0.20
Material Damage Caused by the Load Itself (CAD 1 2013 0342) Commercial Value 0.20
Share Amount
Damage to Third Parties by Dependent Drivers (CAD 1 2013 0347) with Coverages 0.20
of the Civil Code

Share Amount
Third Party Damages Caused by the Load (CAD 1 2013 0345) with Coverages 0.20
of the Civil Code

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Accidental Death Plan A (POL 3 2013 0366) UF 500 0.10

Disability Plan B (POL 3 2013 0366) UF 500 0.10
Criminal Defense and Bail Constitution (CAD 1 2013 0344) UF 150 0.20
0 KM Compensation for 12 Months (Particular Condition) Commercial Value 0.10
Full Solution Assistance UF 250 0.15
Condition
Replacement vehicle 45 days 0.11
Particular
Material Damage as a Result of Natural Risks (CAD 1
Commercial Value 0.20
2013 0338
Material Damage Due to Hail (CAD 1 2013 0339) Commercial Value 0.20
Invoice
Invoice No. 1245 11/03/2019
PATRICIA SOLEDAD

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 Policy No. UP128112

The following mandatory deductibles apply to each and every loss:

Coverage Registration Code S.V.S. Deductible
Material Damage POL 1 2013 0214 UF 5.0
Robbery, theft or unauthorized use POL 1 2013 0214 UF 5.0
Robo Accessories CAD 1 2013 0335 UF 2.5
Strike and Terrorism CAD 1 2013 0336 UF 5.0
Malicious Acts CAD 1 2013 0337 UF 5.0
Hail CAD 1 2013 0339 UF 5.0
Nature's Risks CAD 1 2013 0338 UF 5.0
Earthquake CAD 1 2013 0340 UF 5.0
Material Damage by Dependent Conductors CAD 1 2013 0346 UF 5.0
Material Damage Caused by the Load Itself CAD 1 2013 0342 UF 5.0

ZERO KILOMETER INDEMNITY CLAUSE

Rule for vehicles that meet the following cumulative characteristics as of the date of
occurrence of the incident:
Have less than 12 months of seniority, counted from the billing date.
2. That the insured vehicle has been acquired through a first sale.
3. That the insured vehicle was not acquired using franchises or privileges.
tax customs.

In the event of Total Loss or Theft of the insured vehicle, the insured will be compensated, or
designated beneficiary in this insurance, in cash or kind (replacement), at the choice of the
Company, the value of a vehicle of the same brand, model, and zero kilometer version, without
apply depreciation by use.

If the same vehicle does not exist in the market, assuming a more burdensome obligation for the
Company - in accordance with the limit established below - it (the company) will indemnify in
money or in kind, an equivalent vehicle.
An equivalent vehicle is understood to be one that has the same equipment and displacement as the
damaged vehicle, according to the purchase invoice of the insured vehicle, which must
exhibit to the company the insured or contractor.

Nevertheless, the value of the replacement vehicle or the monetary compensation, if applicable, does not
may exceed the value of the purchase invoice of the insured material, adjusted to the date of
the occurrence of the incident.
The green tax contemplated in Article 3 of Law 20,780 will be the responsibility of the Insured.

Material damages
The present insurance is governed by the commercial insurance modality, described in Letter b)
of Article 3.1, numeral 3.1.2 According to POL Code 1 2013 0214 of the S.V.S.

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In the case of the situation provided for according to Art. 26 Numbers 1) and 2) of the Conditions
Policy general, the maximum limit for repairs without prior authorization from the company
It is UF 5.
In the case of the situation provided for in accordance with Article 26 No. 3) of the General Conditions of the
policy, the maximum limit for reasonable transportation expenses of the insured vehicle
without prior authorization from the company is UF 1.

ROBBERY, THEFT OR UNAUTHORIZED USE

Coverage for Theft, Burglary or unauthorized use according to POL 1 2013 0214

CIVIL LIABILITY (INDEPENDENT)

Notwithstanding what is indicated in the coverage details of this item, the coverages of
Civil Responsibility, Actual Damages, Moral Damages, and Lost Profits are independent of each other.
yes, each subsection.

THEFT OF ACCESSORIES
In consideration of the payment of the corresponding extra premium, this policy covers the risk of
the theft of accessories indicated in CAD 1 2013 0335.
The theft or robbery of radios with removable panels will only be compensated upon delivery, by
of the insured, to the company of the corresponding removable panel for the insured radio.

The compensation for accessories without complete identification (brand and model) will be adjusted.
takingasareferenceanaccessoryequivalenttotheoneoflowestvalueaccordingtothe
incomplete identification detailed in the policy.

THEFT OF ACCESSORIES
Theft of accessories up to 10% of the insured amount with a cap of UF 40.

TOTAL LOSS
For the purposes of this Insurance contract, Total Loss shall be understood as when the cost of
repair should exceed 65% of the Commercial Value of the vehicle.

PLAN 'A' AND PLAN 'B' (POL 3 2013 0366)

Accidental Death (Plan A) or Permanent Disability (Plan B) is covered for the occupant of
insured vehicle, subject to the technical capacity of the vehicle for an amount of UF 100 per
person and with a maximum limit of UF 500 per event.

COVERAGE OF VEHICLES ENTERED UNDER CUSTOMS FRANCHISES

Notwithstanding what is stated in the General Terms of the insurance, which are not modified except
as expressly stated below in this clause, this policy extends to
cover motor vehicles imported into the country under customs exemptions subject
except for the following special conditions, which are expressly accepted by the
insured in this act:

1.− The insured shall be obliged to prove to the Company the acquisition value of the vehicle.
This accreditation will be carried out through the presentation of the respective invoice, contract of
Purchase and sale of the vehicle duly proving the payment of the respective tax, signed by the

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 Policy No. UP128112

seller and the buyer and authorized before a Notary, or the Invoice RegistrationApplication,
issued by the National Customs Service, documents that will be an integral part of
insurance contract. The acquisition value of the vehicle will be understood as the total sale value
indicated in these documents.

In the event of total loss of the insured vehicle, the compensation will be limited to the lesser
value between the commercial value of the vehicle at the time of the incident and the acquisition value
declared to the Company less the depreciation associated with use, age, and condition of
vehicle maintenance. The depreciation for new vehicles is 15% for the
first year or the corresponding proportion and a 10% annual for the following years.

3.− Only motorized vehicles can be insured under this coverage extension.
commercial presence in Chile through official brand distributors established in the
country.

4.− In the event that the Company chooses to compensate for the total loss of the vehicle in cash
insured, the payment of the compensation will only proceed once the insured verifies having
canceled all sums that need to be entered to any public or private organization
in order to transfer the insured vehicle or its remains, to the Company or to a third party, for reason
if they had been admitted under the protection of some total or partial exemption from customs duties
and/or taxes, concerning the general regime.

FULL SOLUTION ASSISTANCE

1. BENEFICIARY
VEHICLE: Light vehicle with a maximum age of 15 years, which is identified as
suchintheParticularConditionsandwhoseidentificationhasbeencommunicated
reliably to the assistance company.
PERSONAS: The person appearing as the main user and whose identification and validity
has been duly communicated to the assistance company, as well as the person who
have the corresponding license and be driving with the user's authorization
the driver, and other non-driver occupants of the vehicle, but only when they are injured by
a traffic accident involving the same vehicle.

2. COVERAGE
The coverage extends to mainland Chile excluding the Province of Palena, including the Island.
Big of Chiloé.
Abroad, the coverage extends to the territories of Argentina, Bolivia, Brazil, Peru, and
Uruguay.

3. SERVICE DETAIL
SERVICE: TOWING OR TRANSPORT OF THE VEHICLE
DESCRIPTION: In the event that the insured vehicle is unable to circulate due to a breakdown or accident, the
The assistance company will take care of the towing or transport to the workshop of your choice.
Beneficiary.
LIMITS: UF 12 (VAT included) per event.

SERVICE: STAY AND TRANSPORTATION OF BENEFICIARIES DUE TO IMMOBILIZATION

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OF THE VEHICLE (Only in Chile)

DESCRIPTION:Incaseofbreakdownoraccidentofthevehiclethatcausesitsimmobility,the
The assistance company will cover the following expenses:
a) The hotel stay, provided that the vehicle repair cannot be carried out in the
same day of its immobilization and requires to be done for a time greater than 2 hours, according to
the criterion of the chosen workshop manager.
b) The transportation for the transfer of the Beneficiaries to their usual residence, provided that
the vehicle repair cannot be carried out within 48 hours following the immobilization and
requires to be done in a time greater than 6 hours, according to the criteria of the person in charge
chosen workshop.
If the Beneficiaries choose to continue the trip, the assistance company will cover the
travel expenses to the intended destination, provided that the cost does not exceed the
performance referred to in the previous paragraph.
LIMITS: Letter a) UF 3 per day with a maximum of UF 9 per Beneficiary.

SERVICE: STAYAND MOVEMENT OF BENEFICIARIES DUE TO THEFT OF

VEHICLE
DESCRIPTION: In case of vehicle theft, and once the reporting procedures have been completed to the
The competent authorities will cover the following expenses for the assistance company:
a) The hotel stay, provided that the vehicle repair cannot be carried out in the
same day of his immobilization and requires to be done for a time exceeding 2 hours, according to
the criterion of the chosen workshop manager.
b) The transportation for the transfer of the Beneficiaries to their usual residence, provided that
the vehicle repair cannot be carried out within 48 hours following the immobilization and
requires to be done in a time longer than 6 hours, according to the criteria of the person in charge
chosen workshop.
If the Beneficiaries choose to continue the trip, the assistance company will cover the expenses.
travel expenses to the intended destination, as long as the cost does not exceed the
benefit referred to in the previous paragraph.
LIMITS: Letter a) UF 3 per day with a maximum of UF 9 per Beneficiary.

SERVICE:TRANSPORT,DEPOSITORCUSTODYOFTHEREPAIREDVEHICLEOR
RECOVERED (Only in Chile)
DESCRIPTION: If the vehicle repair requires a downtime of more than 72
hours or, in case of theft, if the vehicle is recovered after the user has been absent
from the place where it occurred, the assistance company will cover the following expenses:
a) The deposit and custody of the repaired or recovered vehicle.
b) The displacement of the Beneficiary or the authorized person designated by them, to the place where
the vehicle has been repaired or where the stolen vehicle has been recovered.
LIMITS: Letter a) UF 10

SERVICE: PROFESSIONAL DRIVER SERVICE

DESCRIPTION: In case of impossibility of the Beneficiary or the authorized person to
to drive this vehicle due to an accident and, if none of the passengers could
replace it with the proper authorization, the assistance company will provide at its own expense a
professional driver to transport the vehicle with its occupants to their usual home or
to the intended destination of the trip, as long as it is within the scope

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territory covered by the policy.

LIMITS: Without limits.

ON-SITE REPAIR (Only in Chile)

DESCRIPTION: If a malfunction prevents the insured vehicle from operating on its own.
means, the assistance company will provide the necessary technical support to try
emergency repair, so that you can continue your journey.
Its scope will not exceed that corresponding to half an hour of labor, in the place where it
has produced the fact, excluding the cost of the parts from this benefit
replacement that needed to be substituted. In case the vehicle could not be repaired in the
At the indicated time, the towing service will come into effect.
Types of repairs included in the On-Site Repair coverage.
Service for charging or replacing batteries
Tire Change Service
Service for Opening Locked Vehicles
− Fuel delivery service up to 5 liters, the fuel is at the expense of the Beneficiary.
Emergency repairs in general, likely to be carried out on site.
requirement.
Territorial scope. Chile starting from Km. 0 of the Beneficiary's place of residence. It is understood by
Km. 0 the address of the Beneficiary stated in the insurance proposal
LIMITS: Without limits.

LOCATION AND SHIPPING OF REPLACEMENT PARTS (Only in Chile)

The assistance company will be responsible for locating the parts.
necessary spare parts for the repair of the Beneficiary's vehicle, when it is not possible to do so.
obtaining at the repair site and will assume the shipping costs of said parts to the workshop where
the vehicle is located, as long as they are for sale in Chile.
LIMITS: No limits.

Urgent message transmission

DESCRIPTION: The assistance company will be responsible for transmitting urgent messages.
justifications of the Beneficiary, relating to any of the events that give rise to the benefits
What does this assistance refer to?
LIMITS: No limits.

Transportormedicalrepatriationincaseofinjuries
RESULT OF A TRAFFIC ACCIDENT IN THE BENEFICIARY VEHICLE
The company will cover the travel expenses of the Beneficiary,
ambulance or any means deemed most appropriate by the attending doctor, to the Center
Appropriate hospitalization or even at the Beneficiary's home listed in the policy.
The medical team of the assistance company will maintain the necessary contacts with the Center.
Hospital or medical professional attending to the Beneficiary to oversee that the transportation or
repatriation is the appropriate one.
LIMITS: No limits.

SERVICE: TRANSPORTATION OR REPATRIATION OF ACCOMPANYING BENEFICIARIES

DESCRIPTION: When the injury of one of the Beneficiaries occurs as a result of a

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 Policy No. UP128112

traffic accident involving the Beneficiaries vehicle, prevents the continuation of

trip, the assistance company will cover the transportation costs of the remaining Beneficiaries who
accompany him/her to the address of the Beneficiary registered in the policy or to the place where
those who are hospitalized.
If any of those persons were a minor child under 15 years old of the transferred Beneficiary or
repatriated and did not have anyone to accompany him, the assistance company will provide the person
suitable for being attended during the journey to the home or place of hospitalization already
referrals.
LIMITS: No limits.

SERVICE: TRANSPORT OR REPATRIATION OF THE DECEASED BENEFICIARY AND OTHERS

COMPANIONS
DESCRIPTION: In the event of the death of one of the Beneficiaries during the trip as
consequence of a traffic accident that affects the Beneficiary vehicle, the company of
assistance will carry out the necessary procedures for the transport or repatriation of the corpse and take over
the transfer expenses for his burial in Chile.
At the same event, the assistance company will cover the travel expenses of the others.
companions Beneficiaries to the home of the Beneficiary registered in the policy or to the
burial place, provided that they were not able to use the same vehicle Beneficiary.
If any of those accompanying Beneficiaries are under 15 years old and have no one to
accompanying, the company will provide the right person to assist you during the
transfer.
LIMITS: No limits.

SERVICE: REIMBURSEMENT OF MEDICAL EXPENSES (FOR ACCIDENTS OR ILLNESSES IN

ROUTE
Reimbursement of medical expenses for illness up to UF 20 and for accidents
travel up to UF 40 per trip, for what the health insurance system does not reimburse that
correspond. Maximum per year UF 40 and UF 80 respectively.
In the case of those Holders who do not contribute to the social health system, it will be applied
a deductible of UF 5 in each event.
− Included expenses: medical consultations, medications, exams, dentistry, interventions
surgical, hospitalization, etc., up to UF 3.35.
Exclusive coverage for the policyholder and first-degree relatives (spouse, children and
parents)
Territorial scope. From 100 km from the Beneficiary's place of residence.
Procedures to follow to obtain refunds:
Phone notice of the problem, and the location where it is found.
Presentation of copies of the expense receipts, in accordance with the call and the
place from where it was carried out.
Presentation of payment receipt from the health institution.
LIMITS: For illness up to UF 20, with an annual cap of UF 40. For accidents during travel up to
UF 40 per trip, with an annual cap of UF 80.
In the case of those Beneficiaries who do not contribute to the social health system, it will be applied
a deductible of UF 5, for each event.

SERVICE: LEGAL DEFENSE

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DESCRIPTION: In case the Beneficiary is detained due to possible civil liability or

penalty that may correspond in a traffic accident in which the vehicle was involved
insured, the assistance company will cover the expenses required for the corresponding
legal defense until obtaining definitive or provisional freedom
LIMITS: Up to UF 12 per Beneficiary and per trip.

SERVICE: BOND ADVANCE

DESCRIPTION: The assistance company will constitute the bond on behalf of the Beneficiary.
Courts require to guarantee their provisional release in the respective criminal proceedings.
followed by a traffic accident in which the Beneficiary was the driver.
When the bond is no longer in effect, its amount must be returned to the assistance company.
LIMITS: Up to UF 6 per event.

SERVICE: LEGAL CONSULTATION AND ORIENTATION BY PHONE 24 HOURS A DAY (Only

in Chile)
DESCRIPTION: The legal team of the assistance company will provide legal guidance to
Beneficiary regarding situations and contingencies arising from the use of the vehicle Beneficiary,
24 hours a day, 365 days a year.
LIMITS: No limits.

SERVICE: REPRESENTATION AND PROCESSING IN INFRACTIONS AT THE COURT OF

LOCAL POLICE (Only in Chile)
DESCRIPTION: In case the Beneficiary is fined for an infringement of the Law of
Transit, the assistance service will process the payment of the fine and the removal of the
driver's license, when it is held. For this purpose, the Beneficiary will be
represented by a Lawyer or administrative officer, as appropriate.
LIMITS: No limits.

SERVICE: ADVICE AND PROCESSING OF DOCUMENTATION FOR PURCHASE AND SALE OF

VEHICLES (Only in Chile)
DESCRIPTION: The beneficiary will have direct assistance from legal experts in the celebration and
processing of sales contracts, in order to ensure the correct registration of
vehicle.
LIMITS: No limits.

SERVICE: PROCESSING OF DOCUMENTATION BEFORE THE CIVIL REGISTRY (Only in Chile)

DESCRIPTION: In case the Beneficiary needs to carry out any procedure related to their
vehicle at the Traffic Department, the assistance company will make available to you the
legal personnel necessary to manage on your behalf procedures related to registration
new vehicles, obtaining ownership certificates, transfer of used vehicles
duplicates of license plates, etc.
LIMITS: Without limits.

SERVICE: PROCESSING OF DOCUMENTATION IN THE TRAFFIC DIRECTORATES

(Only in Chile)
DESCRIPTION: The Beneficiary has access to the necessary legal staff.
manage on your behalf, procedures related to the first circulation permit, duplicates of

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 Policy No. UP128112

documents, modifications in any record, and even the annual renewal of the permit.
LIMITS: No limits.

PROFESSIONAL DRIVER FOR TECHNICAL INSPECTION (Only in Chile)

This service consists of the pickup of the vehicle from the requested address.
Beneficiary, within the geographical limits established later, by staff of the
assistance company in order to conduct the Technical Review of the insured vehicle and the
subsequent return of the same.
This service will only be provided within the month that corresponds to the vehicle for the inspection.
technique according to license plate.
This service has no cost for the Beneficiary and includes the cost of the Technical Review, with
a cap of UF 1.
In case a second technical review service is required, it will be subject to a co-payment of
$10,000 (tax included) and the value of the Technical Review will be at the expense of the Beneficiary.
Technical inspections are conducted from Monday to Friday from 8:00 AM to 5:00 PM, and the request and
scheduling must be done at least 48 hours in advance from Monday to Friday between
8:00 AM to 3:00 PM. Service subject to time availability.
This service is available in the provincial capitals of Chile. In others
Cities will be subject to availability. It includes all the municipalities of the Metropolitan Region.
Prior to the vehicle's withdrawal, a visual inspection wil be conducted by the person responsible for it.
carrying out the transfer in order to identify minor defects that may eventually arise
causes of rejection in the Technical Review Plant review.
The assistance company will provide the Beneficiary with assistance and guidance for the repair of
the defects, if the visual inspection turns out to be defective or if the technical review was
rejected by the technical review facility. In this case it will offer:
a. Take the vehicle to your trusted mechanic workshop, where the Beneficiary will later
You will have to withdraw and reapply for the assistance to transfer the vehicle to the Inspection Plate.
Technique (if this management is carried out within the following 15 calendar days from the first
the Beneficiary will be exempt from paying the cost of this new technical review.
b. Take the vehicle to a workshop assigned by the assistance company. In that workshop, it
a budget will be prepared, which must be approved by the Beneficiary. In case of not being
Accepted,thereturnofthevehiclewil becoordinatedtothelocationindicatedbytheBeneficiary.Incase
On the contrary, the vehicle will be repaired and then returned to the Technical Review Plat. Approved the
review, the vehicle is returned to the Beneficiary where they indicate.
The assistance company will be responsible for any damage or harm suffered by the vehicle.
while this service lasts. In the case of the preceding letter 'a', the service ends at that moment
that the vehicle is deposited in the Beneficiary's trusted workshop.
For the cases indicated in letters 'a' and 'b', the repair costs of the damages
will be the responsibility of the Beneficiary.
LIMITS: Maximum 1 event per year.

Home Driver (Only in Chile)

DESCRIPTION: In case the Beneficiary is unable to drive the vehicle due to being
in inappropriate physical conditions or in case of alcohol consumption, involving risk
in case of an accident, and if none of the companions could replace him with the proper qualification, the
assistance service will provide, at its own expense, a professional driver to drive the
vehicle, with or without its occupants, to the usual residence of the Beneficiary, provided that this one

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find within the territorial area covered by the service.

This service will be provided upon prior authorization from the owner of the vehicle to be driven, for which
the request and said safe conduct will be recorded. On the other hand, a record of the
articles and/or pre-existing damages of the vehicle at the time of being received for its driving and
In the event of damage, photographs will be taken of it.
Territorial scope of the service - Urban areas within a maximum of 20 km from the capitals
provincial of the country.
Service schedule - Continuous
Maximum service duration - 60 minutes
Pre-application / scheduling - 2 hours
Event limit - 5 events per year at no cost to the client
Co-payment per event - $10,000 (VAT included) from the sixth event.
Rate per km. for service exceeding - $900 per additional km. over 20 km.
Excluded dates in the service - Independence Day, Christmas, and New Year (including holidays)
additional ones that are added to them.
LIMITS: Maximum of 5 events per year

TRANSPORTATION TO MAINTENANCE (Only in Chile)

DESCRIPTION: A professional driver will pick up the vehicle from where the Beneficiary
I requested it and at the agreed time to take it to the brand's workshop for it to be done.
maintenance according to the mileage.
After the management is completed, the vehicle will be returned to the Beneficiary at the place where
this indicates.
This service will be provided with prior authorization from the owner of the vehicle to be driven, for which
will record the request and said safe conduct. On the other hand, a record will be made of the
articles and/or pre-existing damages of the vehicle at the time of being received for its operation and
In the event of damage, photographs of the same will be taken.
This service will be available in the provincial capitals of Chile with a maximum radius of 20
km. Includes all the municipalities of the Metropolitan Region. The service hours are from Monday to
Friday from 8:00 AM to 5:00 PM.
The scheduling request must be made 7 calendar days in advance.
This assistance has a limit of one event per year at no cost to the client.
LIMITS: Maximum 1 event per year.

COMPLEMENTARY SERVICE (Only in Chile)

This service includes delivering to the client, once a year, a vehicle.
replacement for the time it takes for maintenance for a maximum of 3 consecutive business days
at no cost to the customer, and with a daily copayment of $8,000 (VAT included) plus the fixed cost for
concept of Tag from the fourth day.
The replacement vehicle will correspond to a basic vehicle (not full), with manual transmission.
sedan type, 4 doors, simple equipment according to the nomenclature of the rental company, such as
such as: Hyundai Accent, Toyota Yaris, Chevrolet Corsa Extra, and Chevrolet Aveo, among others. So
Likewise, the user must comply with the specific rental conditions of each rent-a-car.
such as the delivery of a guarantee (credit card voucher or check) and the payment for
concept of the Tag. If it is not possible to rent a vehicle, a means will be provided.
alternative to conventional transport with a limit on the economic cost of the service
replacement vehicle.

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LIMITS: Maximum 3 days.

MECHANICAL PRE-TRIP REVIEW SERVICE AT HOME (Only in Chile)

A qualified mechanic will inspect the insured vehicle at home or in workshops.
assigned by the assistance company in order to provide a general diagnosis on the
conditions of it (brakes, tires, lights, fluids, among others), indicating, if it were
necessary, the elements to be repaired so that it is suitable for making a trip safely.
In case of detecting faults in the vehicle, the Beneficiary will be guided on the repairs to be made.
to be carried out, which will be at the cost and responsibility of the Beneficiary.
The service is available for the provincial capitals of Chile with a maximum radius of 20.
km. Includes all the communes of the Metropolitan Region.
The service hours are Monday to Friday from 9:00 AM to 5:00 PM.
The scheduling request must be made 7 consecutive days in advance.
This assistance has a limit of two events per year and is free of charge for the customer.
LIMITS: Maximum of 2 events per year.

SERVICE: REPLACEMENT VEHICLE FOR CATALYTICS IN CASE OF RESTRICTION

VEHICULAR
DESCRIPTION: Due to a pre-emergency or environmental emergency declared by the
relevant government entities, the owner of the insured vehicle who is directly
affected by the corresponding vehicle restriction, will be entitled to a replacement vehicle
for the day (24 hrs.) that your insured vehicle could not circulate due to said restriction. The
the vehicle will have a co-payment of $4,000 including VAT for the required day (does not include tolls,
gasoline of TAG). In case it is not possible to rent a vehicle, the assistance company will
it will facilitate an alternative means of conventional transport with a limit on economic cost
equivalent to the provision of a replacement vehicle. The Beneficiary must contact the
assistance company before midnight (00:00) prior to the start of said restriction.
The Beneficiaries who have coordinated the replacement vehicle at that time will be
contacted the next morning to pick up the replacement vehicle at the specified location
by the company before 10 a.m. The vehicle will be of basic type. This service
only applies to private use vehicles. The Beneficiary will be responsible for any infringement, violation,
fines, offenses or similar that may arise from the use of the replacement vehicle in
I comment. The lease contract will always be made between the beneficiary of the service and the
car rental company designated by the assistance company. For this right
for it to be effective, it is necessary for the beneficiary to fulfill all and each of the obligations
that the landlord requires of him:
Contract signing
Delivery of Warranty for damages (credit card voucher only)
Daily payment for TAG in Santiago
−Unrefunded fuel payment (the vehicle must be returned with the same amount of fuel)
fuel with which it was delivered.
In the event that governmental entities establish a permanent vehicle restriction
forcatalyticvehicles,thisservicewil ceasetoapplyundertheconditionshere
established.
LIMITS: The service has a limit of 1 event per year, considering each calendar day that the
vehicle is under vehicle restriction as an independent event.

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 Policy No. UP128112

SERVICE: TELEPHONE MEDICAL CONSULTATION

DESCRIPTION: The Beneficiary shall have the right to request, as many times as necessary,
24-hour telephone medical guidance, obtaining a phone response.
exclusively in the following health subjects:
− Action plan for specific medical emergencies, indication of the type of treatment that
it should require such urgency and the nearest establishment to go to receive
medical attention.
Information about diagnostic tests or prescribed treatments.
Information about side effects and contraindications of certain drugs,
orientation to the beneficiary in obtaining medical treatment at a healthcare center.
− Information from suppliers and public and private care centers, information from
address and contact phone number to which the Beneficiary could be directed.
− Information about toxic substances, limited to indicating the characteristics of toxicity of the
substance for which consultation is sought.
− Maternal and child guidance and elderly care, resolution of basic and natural inquiries to
these states.
Information about on-duty pharmacies, location of establishments within the region or
municipality where it is located.
LIMITS: No limits.

SERVICE: TELEPHONE LEGAL ADVICE

Advisory and guidance via telephone or email on legal matters
recurring. 24 hours a day, 7 days a week.
LIMITS: Without Limits.

4. ACCESS TO SERVICES
To request services, the Beneficiary must always communicate, 24 hours a day and the
365 days of the year, to the assigned number. The assistance company will coordinate in the best way and
in the shortest time possible.
The assistance company, for reasons of quality and safety of its services, may record the
telephone conversations. These recordings may be used as evidence in
potential differences between the parties and/or the insured with any of them.

5. FRAMEWORK OF RESPONSIBILITY
Theassistancecompanyisrelievedofresponsibilityfornon-complianceand/or
setbacks arising from fortuitous cases, force majeure, or technical impossibility not attributable
to the assistance company; without prejudice to any refunds that may apply, those that
they will pay, after communication and authorization from the assistance company, upon presentation of
the respective expense receipts presented by the Beneficiary and up to the concurrence of
the limits that are stipulated for each service.
For coordination or intermediation services, the natural and/or legal persons contacted
by the assistance company, they are considered direct agents of the Beneficiary, without recourse to
any nature against the assistance company due to such designation.

REPLACEMENT VEHICLE (Only in Chile)

DESCRIPTION: This benefit applies to claims covered under this policy (damages
partial, total loss, theft of the vehicle), operates after 24 hours of entering the vehicle into

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 Policy No. UP128112

Workshop assigned by the insurance liquidator, the repair must exceed 48 hours of work, the
The beneficiary must request this benefit through their company's assistance hotline. No limit on days and
it has a daily copayment according to the following table (VAT included):
The leasing entity will require the Beneficiary to provide a guarantee for the receipt of the vehicle.
rental, consisting of the delivery of a Credit Card Voucher with available credit limit for
to make it effective, when appropriate. The amount of this guarantee will be determined
exclusively by the entity that provides the guarantee service. In case it is not possible
Renting a vehicle will provide an alternative means of conventional transportation with a limit.
of the economic cost of providing the replacement vehicle. This provision will not be
accumulable to the benefit of 'Accommodation and travel due to vehicle immobilization', and is
subject to the availability of car rental companies and their conditions
hiring. The provided Vehicles will correspond to up to the medium category or
intermediate, according to the classification of car rental companies, that is, type vehicles
sedan, four doors, not full (Example: Sentra II, Corsa, Daewoo, Peugeot, Yaris, etc.
LIMITS: Maximum 45 days.
Without co-payment from day 1 to day 10 + TAG
With a co-payment of $ 4,000 + TAG from day 11 to day 45.

SPECIAL DEDUCTIBLE FOR COVERAGE OF THEFT OR ROBBERY OF VEHICLES

The contractor and/or insured acknowledges that they are aware that this policy is
apply a SPECIAL DEDUCTIBLE for insured vehicles of any of the following
brands and models:

BRAND MODELS
Chevrolet Sail, Luv and D-Max
Hyundai Accent, Accent Hatchback, Elantra, Elantra Coupe, Tucson y Santa Fe
Kia Frontier, Porter, Sportage, Rio, Rio 3, Rio 4 and Rio 5, Morning, Cerato and Koup
Mazda 3
Mitsubishi L200
Nissan Qashqai, D21, D22, Terrano and Navara
Samsung SM3
Suzuki Swift, Grand Vitara and Grand Nomade
Toyota Rav-4, Hilux and Yaris

By virtue of the above, the Company will apply a special deductible, in addition to the deductible.
hired, equivalent to 20% of the commercial value of the insured vehicle, in case it is done.
effective coverage for total loss due to theft or burglary.

This special deductible will not apply if the insured vehicle has any of the following
security systems:
Electronic and automatic circuit breaker
GPS
Another theft prevention device approved by the company.
These devices may be installed at the factory or previously verified by the Company.
Insurer through the inspection of the insured vehicle.

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 Policy No. UP128112

For more information, please visit www.bciseguros/prevencion.

AUTOMATIC RENEWAL CLAUSE

This policy will automatically renew at its expiration for equal periods and
successive of a year, unless either party notifies the other of its intention to
to terminate it, by communicating 30 days in advance of the termination date or
any of its extensions.

The parties agree that the Insurance Company may adjust the amount of the premium accordingly.
to the number of accidents that occurred during each period and the following surcharge percentages
maximums.

Maximum surcharge percentage

1 30%
2 40%
3 or more 50%

Likewise, the parties agree that the company may increase the premiums up to a maximum
of 50%, if any of the following cases occur:

A rise in spare parts costs,

2. Increase in the frequency of theft of a certain make or model of vehicle, or
3. Variation in any factor that increases the claim rate of the portfolio, whether the policy
whether or not they have had claims during their last term,
In the event that there is an adjustment, it will take effect from the renewal of the policy.

NOTE: An annex related to the Claims Settlement Procedure is included.

COMMUNICATIONS AND INFORMATION DELIVERY

The contractor and/or insured expressly authorize the Company to send them the
copy of your policy and other documents that are an integral part of it to the address
of the email indicated in this instrument, once this is done it will be considered to have been given
due compliance with the provisions of article 519 of the Commercial Code. Without prejudice to
previously, the contractor and/or insured may always request a printed copy of it
paper at the Company's address.

Likewise, the contractor and/or insured expressly accept that the Company may
contact their cell phones, and email addresses, to welcome them;
the renewal notices of your policy; to inform them about the unpaid premium installments or
that are about to expire; send them the collection notices or for any other purpose that the company
consider it appropriate for your due and timely information.

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 Policy No. UP128112

Finally, the contractor and/or insured authorize the company to send to the address of
email indicated in this instrument all communications provided for in the Decree
Supreme N° 1055, especially those related to the liquidation procedure
of disasters.

OTHER CONDITIONS
This insurance policy has been issued by Bci Seguros Generales S.A. in consideration of
the statements made by the contractor and/or insured in the Proposal that has served him
as a background, which is an integral part of the contract, which is governed in accordance with the
termssetforthintheseparticularconditionsandinthetextsfiledinthe
Superintendency of Securities and Insurance under the codes POL and CAD identified above.

It is specifically noted that the statements of the contractor and/or insured constitute for
Bci Seguros Generales S.A. determining information about the risk that was proposed to be insured and in
consequence, if any of these have incurred in an inexcusable error, reticence or
inaccuracy, the insurer shall have the right to rescind the contract, in accordance with the provisions of
Article 525 of the Commercial Code.

STATEMENTS OF THE INSURED

In compliance with article 518 of the commercial code, the insured has expressed interest.
insurable regarding the object of the insurance, such declaration is included in the Item
Insurable interest in the Insured Matter section of the Proposal, which is part
member of this policy.

In compliance with article 524, number 1 and article 525 of the Commercial Code, the insured has
sincerely declared all the circumstances that allow identifying the insured item and
appreciate the extent of the risk, those that are contained in the proposal, which forms
integral part of this policy.

USEFUL PHONE NUMBERS

In case you need to use the Vehicle Assistance coverage, the phone numbers of each
Company numbers are: 600 6000 292. From Cell Phones: 2−2 6799700. International Service: 56 2
23690043 (Request Reversed Charge). If you wish to contact your insurance company you can
doittothefollowingnumberofitsheadquartersinSantiago,wheretheywilbeabletograntyouthe
information required: BCI Insurance: 02− 26799200.

INFORMATION ABOUT CUSTOMER SERVICE AND SUBMISSION OF INQUIRIES AND

COMPLAINTS.
By virtue of Circular No. 2,131 of November 28, 2013, insurance companies,
insurance brokers and claims adjusters must receive, register, and respond to all
the presentations, inquiries or complaints that are presented directly by the contractor,
insured, beneficiaries or legitimate interested parties or their representatives.
Presentations can be made at all offices of the entities being served.
public, in person, by postal mail, electronic means, or by phone, without
formalities, during normal business hours.

Upon receiving a presentation, inquiry, or complaint, it must be responded to in the shortest possible time.

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 Policy No. UP128112

possible, which may not exceed 20 business days counted from its receipt.

The interested party, in case of disagreement regarding the information provided, or when there is a delay
unjustified response, you may appeal to the Superintendency of Securities and Insurance, Area of
Investor and Insured Protection, whose offices are located on Avenue.
Liberator Bernardo O'Higgins 1449 Floor 1, Santiago, or through the website www.s.v.s.cl.

ADDRESS
For all purposes of this insurance contract, the domicile of the Company is set as
Seguros, Huérfanos 1189 Floor 2, Santiago.

AUTHORIZED COMPANY BCI INSURANCE S.A.

BCI General Insurance S.A. RUT: 99147000-K.

CODE OF SELF-REGULATION
Bci Seguros is bound by the Code of Self-Regulation of Insurance Companies and
is subject to the Compilation of Good Corporate Practices, which contains a set of rules
intended to promote a proper relationship between insurance companies and their clients.
A copy of this Compendium can be found on the website www.aach.cl.

Likewise, he has accepted the intervention of the Insured Defender when clients approach him.
file complaints regarding the contracts entered into with her. Clients can submit
your claims before the Insurance Ombudsman using the forms available at the offices
from Bci Seguros or through the website www.ddachile.cl.

Claims Settlement Procedure

(Circular No. 2.106 of 31.05.2013 from S.V.S.)

1) OBJECT OF THE LIQUIDATION

The settlement aims to establish the occurrence of an incident, determine whether the incident is
covered in the policy contracted with a specific insurance company, and quantify the amount
of the loss and the compensation to be paid.

The liquidation process is subject to the principles of speed and cost-effectiveness.

procedural, objective, technical, transparent, and accessible.

2) METHOD OF CARRYING OUT THE LIQUIDATION

The settlement can be carried out directly by the Company or entrusted to a Liquidator of
Insurance. The decision must be communicated to the Insured within a period of three business days.
counted from the date of the report of the incident.

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 Policy No. UP128112

3) RIGHT OF OPPOSITION TO DIRECT LIQUIDATION

In the event of direct liquidation by the Company, the Insured or beneficiary may oppose to
her, requesting in writing that she appoint an Insurance Liquidator within a period of five
business days counted from the notification of the Company's communication. The Company
You must appoint the Liquidator within two business days from the said opposition.

4)INFORMATIONTOTHEINSUREDABOUTACTIONSTOBETAKENANDREQUESTFOR
BACKGROUND
The liquidator or the Company must inform the Insured, in writing, in a sufficient manner and
opportune, to the email (informed in the accident report) or by certified letter (to
address indicated in the accident report), of the actions that it is responsible for carrying out,
requesting all records at once, when circumstances allow,
required to settle the claim.

5) PRE-SETTLEMENT REPORT
In those incidents where problems and differences of opinion about their causes arise,
risk assessment or coverage extension, the Liquidator may act ex officio or to
request from the Insured, to issue a pre-report of settlement regarding the coverage of the claim and the
amount of the damages caused, which must be brought to the attention of the interested parties. The
The insured or the Company may make written comments on the pre-report within the deadline.
within five working days from their acknowledgment.

6) LIQUIDATION PERIOD
Within the shortest time possible, not exceeding 45 calendar days from the date of notification.
except for
a) Losses corresponding to individual insurance on risks of the First Group whose premium
annual sea superior to 100 UF: 90 calendar days from the date of the report.
b) Maritime accidents affecting the hulls or in case of General Average: 180 consecutive days
since the date of the complaint.

7) EXTENSION OF THE LIQUIDATION PERIOD

The aforementioned deadlines may exceptionally be extended whenever circumstances warrant it.
to be extended consecutively for equal periods, informing the reasons that support it and
indicating the concrete and specific actions that will be taken, which must be communicated to
Insured and to the Superintendency, the latter may nullify the extension in cases
qualified, and set a deadline for the delivery of the Settlement Report. It cannot be a reason for
extension of the request for new information whose requirement could have been anticipated beforehand,
unless reasons that justify the absence of requirements are indicated, nor can they be extended.
the claims in which there has been no management from the liquidator, registered or direct.

8) FINAL LIQUIDATION REPORT

The final liquidation report must be sent to the Insured and simultaneously to the Insurer.
when appropriate, and it must necessarily include the full transcription of the articles
26 to 27 the Regulations of Insurance Sales Assistants (D.S. of Finance No. 1,055, of
2012, Official Journal of December 29, 2012.

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 Policy No. UP128112

9) CHALLENGE TO LIQUIDATION REPORT

Upon receiving the Settlement Report, the Company and the Insured will have a period of ten days.
working days to challenge it. In the case of direct liquidation by the Company, this right only
The Insured will have it.

Once the report is challenged, the Liquidator will have a period of six business days to respond.
challenge.

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 Policy No. UP128112

PAYMENT PLAN
Policy No. UP128112 Price: 13.47 with VAT

Payment Responsible
Patricia Soledad Soto Ahumada Rut: 12,459,306 - 9
Address: Santa Rosa Avenue 10000
City: Santiago La Granja
Landline Phone: 977073152 977073152
e−Mail [email protected]

I owe and will pay BCI Seguros Generales S.A. the premium mentioned above, including its
corresponding interests, in the installments, dates, and for the amounts that follow
indicate:

Value Installment
Quota Expiration State
c/iva
1 March 13, 2019 1.12 Paid
2 October 5, 2019 1.12 Pending
3 10/06/2019 1.12 Pending
4 10/07/2019 1.12 Pending
5 10/08/2019 1.12 Pending
6 10/09/2019 1.12 Pending
7 10/10/2019 1.12 Pending
8 October 11, 2019 1.12 Pending
9 10/12/2019 1.12 Pending
10 10/01/2020 1.12 Pending
11 10/02/2020 1.12 Pending
12 October 3, 2020 1.12 Pending

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 Policy No. UP128112

%%
%%

The principal or outstanding balance of it that has been documented by this instrument
it earns a monthly interest of 0.25%.
The billing notice for the fees listed above will be sent monthly to
registered address in this Payment Plan. If due to reasons not attributable to BCI Seguros the
if the charge in the respective current account or credit card is not carried out, the person obliged to pay
he is not released from his commitment to fully and timely pay the premium
agreed. The breach of this obligation allows the Company to apply the clause
termination of contract due to non-payment of premium, without prejudice to its other rights.
The payment of installments expressed in unit of account must be made in its equivalent in
pesos on the day of actual payment. Those expressed in other currencies will be settled in the
respective currency.
This Payment Plan is an integral part of the Special Conditions of the policy.
The checks must be made out in the name of: BCI Seguros and crossed.
Generales S.A.

___________________________
SIGNATURE OF THE ACCEPTOR

22
AUTHORIZATION FOR DISCOUNT ON CREDIT CARDS (PAT)

IDENTIFICATION OF THE CREDIT CARD HOLDER (Payer Responsible)

Nombre Patricia Soledad Soto Ahumada RUT: 12459306−9
Cell phone: 977073152 Telephone: 977073152
Postal Address: Santa Rosa Avenue 10000 Commune: The Farm
Email: [email protected]
Card Type VISA Card No: 4120031088116720
Administrator of the Credit Bank T.
Expiration Date: Año:2027 Mes:3
Credit : Investments
Company : BCI GENERAL INSURANCE S.A.

MANDATE

1. By means of this instrument, I expressly authorize Transbank S.A. to charge to my card

individualized credit above, the corresponding value for the services provided by BCI Seguros
Generales S.A, and/or BCI Seguros Vida S.A., hereinafter referred to as BCI Seguros. This charge will be made in the manner
monthly, for a period of months or indefinitely.
I agree that BCI Seguros will send to Transbank periodically, according to the established contract,
the information for the corresponding collection, releasing Transbank from all liability if this does not
it happens.
3. The charge will be effective from the date on which this authorization is accepted by Transbank. In
in case the authorization is not accepted, this situation will be communicated to the cardholder
credit from BCI Seguros.
4. The service provided by BCI Seguros shall be the sole and exclusive responsibility of BCI Seguros releasing
Transbank of any obligation.
5. In the event that Transbank is unable to make the corresponding charge for any reason,
will communicate this situation to BCI Seguros.
6. This authorization shall be understood, for all legal purposes, as granted on the same day it is executed.
the charge effect on the credit card. Likewise, it will be understood to be renewed month by month, as long as it is not
revoked in writing.
7. This authorization for charging my credit card will remain in effect until I revoke it.
written to BCI Seguros, in the manner indicated in the previous number.
8. This mandate will automatically expire in the event of termination of the contract between Transbank and BCI.
Insurance.
9. In consideration of this service, I also agree that if any of the monthly payments are not made
paid for any reason, Transbank will have no liability, even if such payment may
to result in some harm to the cardholder or to BCI Seguros.
10. This mandate will come into effect indefinitely from the date of receipt at BCI Seguros and
until the situations described in points 7 and 8 above occur.
11. The payment limit will be equal to the amount available on the previously identified credit card, to the
charge date.
12. This mandate affects all policies and renewals entered into with the company during the
validity of this; and authorizes that the premiums of these policies be paid through the PAT modality, it is
to say, Authorization of Discount on Credit Card. The amount of the premium, its form and modality of
Payment is included in the specific conditions of each policy. (Circular S.V.S. No. 1,499)
from 15.09.2000.

____________________________________
Subscription Date Signature of the Credit Card Holder
Date of issue: March 12, 2019