This page is an English translation of the Italian original, provided for convenience — since the Modulo Unico Precontrattuale is an Italian regulatory document, the Italian version is the legally valid one.
The Modulo Unico Precontrattuale (Single Pre-contractual Information Form, MUP) is the document that an insurance intermediary hands over or sends to the policyholder before a proposal or insurance contract is signed, containing information on the intermediary, its status and the insurers on whose behalf it operates, pursuant to article 120-quater of the Italian Private Insurance Code and Annexes 3 and 4 to IVASS Regulation no. 40/2018.
Modulo Unico Precontrattuale — Insurance products (Annex 3)
Non-life classes (including Motor Liability) and life classes — PDF, September 2026 edition. Italian original; official document.
Modulo Unico Precontrattuale — Insurance-based investment products (Annex 4)
IBIPs (Insurance-Based Investment Products) — PDF, September 2026 edition. Italian original; official document.
SOTHIS S.r.l., registered office at Via della Giuliana 37, 00195 Rome, Italy, registered with RUI Section A — Agents, no. A000827585, since 4 July 2026. Person responsible for intermediation activity: Cristina Manzo, registered with RUI Section A — Agents, no. A000007086, legal representative of the Company. Identification and registration details can be verified on the Register of Insurance and Reinsurance Intermediaries, on the IVASS website: ruipubblico.ivass.it.
SOTHIS S.r.l. acts in the name and on behalf of insurance undertakings, under an agency mandate, and not on the client's instructions. The insurer whose products it distributes is HDI Assicurazioni S.p.A. (agency agreement effective from 5 August 2026, Rome General Agency, code 1530), for non-life classes — including Motor Liability — and for life classes.
SOTHIS also distributes surety and guarantee products under a horizontal cooperation agreement, pursuant to article 22(10) of Decree-Law 179/2012 and article 42 of IVASS Regulation no. 40/2018, with Delta Prima Broker EOOD (Bulgaria, registered in the list annexed to the RUI under freedom to provide services), which acts as placing broker towards the insurer Axiom Insurance Company AD; SOTHIS acts as the originating intermediary and point of contact with the policyholder. The policyholder is always informed in advance of the existence of the cooperation and of the identity of the intermediaries involved; cooperating intermediaries are jointly and severally liable for any damage caused.
SOTHIS S.r.l. does not hold, directly or indirectly, a shareholding or voting rights of 10% or more in any insurance undertaking. Conversely, no insurance undertaking, nor any of its parent companies, holds a shareholding or voting rights of 10% or more in SOTHIS S.r.l.
SOTHIS receives, for its intermediation activity, commission-based remuneration paid by the appointing insurer, included in the insurance premium. Pursuant to article 131 of the Italian Private Insurance Code and ISVAP Regulation no. 23/2008, the commission recognised by HDI Assicurazioni S.p.A. on the third-party liability cover for motor vehicles and watercraft is as follows:
| Product — third-party liability cover | Single acquisition and collection commission |
|---|---|
| AUTO HDI — tariff classes 1, 2, 4 | 8% |
| AUTO HDI — tariff classes 3, 5, 6, 7 | 5% |
| CONTRATTO BASE R.C. AUTO — tariff class 1 | 8% |
| CONTRATTO BASE R.C. AUTO — tariff class 5 | 5% |
| E-MOBILITY HDI — tariff class 1 | 5% |
| NATANTI HDI — third-party liability | 8% |
The single commission is recognised at the same percentage rate for each year of the policy's duration and for each premium instalment actually collected, calculated on the premium net of taxes, the National Health Service (SSN) contribution and the contribution to the Road Victims' Guarantee Fund. The insurer may also recognise a variable supplementary commission, of up to eight additional percentage points, depending on the agency's claims/premium ratio for the year.
SOTHIS S.r.l.'s distribution activity is covered by a professional civil liability insurance policy. For the complaints procedure, the Insurance Arbitrator and the FIN-NET network, see the Complaints page.
Pursuant to article 2 of Law 193/2023, no information on oncological conditions may be requested at the pre-contractual or contractual stage where active treatment ended, with no relapse, more than ten years earlier (five years if the condition arose before the age of 21); this provision does not apply to motor liability cover. Details are set out in the additional pre-contractual information document (DIP aggiuntivo) for each product.
This document is handed over or sent to the policyholder before a proposal or insurance contract is signed. September 2026 edition — last updated: 1 September 2026.
Insurers on whose behalf we operate
Full details of the relationship, including commissions on motor liability contracts, are published in the Pre-contractual Information Form (Modulo Unico Precontrattuale).