# Chilean automotive insurance consumer complaints

> Live situation record from CLSTR: https://clstr.news/situations/chilean-automotive-insurance-consumer-complaints
> Updated: 2026-08-21T22:54:11.000Z. Sources: 9. Developments: 2.

During the second half of 2025, Chile’s National Consumer Service (Sernac) reported a 2.5% increase in automotive insurance complaints, totaling 2,172 cases. The primary driver of dissatisfaction was the refusal to pay for insured losses, which accounted for 39% of complaints and represented a 29% increase from the previous year.

Other significant issues cited by consumers included breaches of contracted conditions (12.5%), failure to reverse incorrect charges (9.7%), unjustified delays in technical service (7.6%), and defective repairs (5.9%).

In terms of company performance, BCI Seguros Generales, HDI Seguros, Zenit, Zurich, and Sura were among the most complained-about providers. Conversely, Reale Seguros was noted for its performance, ranking second in the sector based on complaint volume relative to insured clients and response quality.

## Timeline

### 2026-08-21: Reale Seguros ranks second in Sernac automotive insurance report

Reale Seguros ranked second in Sernac's automotive insurance performance report for H2 2025, amid a rise in industry complaints regarding claim denials in Chile.

2 sources. https://clstr.news/cluster/reale-seguros-ranks-second-in-sernac-automotive-insurance-report

### 2026-08-19: Chilean automotive insurance claims see rise in denials

SERNAC reports that refusal to pay claims was the leading cause of automotive insurance complaints in Chile during H2 2025, with BCI Seguros and HDI Seguros among the most cited companies.

7 sources. https://clstr.news/cluster/chilean-automotive-insurance-claims-see-rise-in-denials

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Cite as: Chilean automotive insurance consumer complaints. CLSTR, https://clstr.news/situations/chilean-automotive-insurance-consumer-complaints