BikeRegistrada

What BikeRegistrada does

BikeRegistrada is a Brazilian insurtech platform that distributes bicycle insurance entirely through digital channels. It operates a 100% online model: customers obtain quotes, purchase policies, complete a mandatory online bicycle inspection (Vistoria Online), and manage claims and 24-hour roadside assistance through a web application or native iOS/Android apps, with no physical broker network. The company serves individual bicycle owners in Brazil — including owners of high-value bikes (R$20,000+) and electric bicycles under 800W — through three subscription tiers: Plano Prata (theft/robbery only, R$16.98/month), Plano Ouro (adds accident damage and towing, R$18.03/month), and Plano Diamante (adds civil liability, fire, lightning, explosion, collision, and transport damage, R$20.35/month).

The product portfolio extends beyond insurance into a bicycle registration service (creating an official ownership record for theft deterrence) and a verified-origin peer-to-peer marketplace (Classificados Bike Registrada). The platform is powered by a proprietary online inspection system that functions as a mandatory post-purchase activation step, and is supported by a content marketing engine ('O Blog do Ciclista') for top-of-funnel SEO. All policies are underwritten by ESSOR Seguros S.A., part of the SCOR Group (the world's fourth-largest reinsurer), with insurance intermediation handled by Total Br Seguros, registered with Brazilian regulator SUSEP under number 222142357.

The business model is monthly recurring subscription insurance premiums intermediated through a digital-first funnel. Distribution is purely self-serve across web and mobile, with no disclosed enterprise or fleet customers. The company is bootstrapped with a single disclosed seed event in 2017 (~$40,405 from ACE Ventures, Bossa Invest, and Cotidiano), operates with 1–10 employees, and is headquartered in Brasília according to firmographic data. Consumer trust metrics are a notable strength: 9.1/10 on Reclame Aqui, 4.9/5 on Google (1,736+ reviews), and 4.9/5 on app stores with 100,000+ cumulative downloads.

Name

BikeRegistrada

Legal name

Bike Registrada

Website

https://bikeregistrada.com.br

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

BikeRegistrada is a Brazilian digital insurtech that distributes subscription bicycle insurance (R$16.98-R$20.35/month) entirely online to individual Brazilian cyclists, underwritten by ESSOR Seguros (SCOR Group) and complemented by bike registration and a verified-resale marketplace.

Ownership category

akta.pro rank

Headquarters

HQ city

Brasília

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Bicycle Insurance Premiums: Monthly subscription-based insurance premiums collected from customers across three tiered plans (Prata, Ouro, Diamante). Revenue generated through monthly payments ranging from R$16.98 to R$20.35 per policy.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Bike Registrada is a 100% digital Brazilian insurtech platform that distributes bicycle insurance underwritten by ESSOR Seguros (SCOR Group) in three subscription tiers: Plano Prata, Plano Ouro, and Plano Diamante, priced from R$16.98 to R$20.35 per month. The platform combines insurance distribution with a bicycle registration service (Registro de Bicicleta), a verified peer-to-peer classifieds marketplace (Classificados), an exclusive online bicycle inspection process, and 24-hour roadside assistance to deliver a full-stack cycling protection ecosystem to individual Brazilian cyclists.

Product overview

Bike Registrada is a Brazilian insurtech platform that combines bicycle registration, insurance, and a marketplace into an integrated ecosystem for cyclists. The core offering is the Seguro Bike Registrada, underwritten by ESSOR Seguradora (a SCOR Group company), available in three tiers: Plano Prata (Silver) for basic theft coverage at R$16.98/month, Plano Ouro (Gold) adding accident damage and transport assistance at R$18.03/month, and Plano Diamante (Diamond) providing comprehensive coverage including civil liability, fire, and collision at R$20.35/month. This insurance is complemented by the Registro de Bicicleta service for official bike ownership documentation and the Classificados Bike Registrada marketplace, where all listed bicycles are verified and registered. The platform also provides educational content through its blog, a mobile app for iOS and Android, and supplementary services including online vehicle inspection and 24-hour roadside assistance.

Differentiator

Problem solved

Functional benefit

Brands

• Seguro Bike Registrada: The insurance product brand offering bicycle insurance plans.

Products and services

• Seguro Bike Registrada - Plano Prata (Silver) Entry-level monthly bicycle insurance plan for individual cyclists, covering robbery and qualified theft of the insured bicycle at R$16.98/month, with no additional benefits. Sold via the Bike Registrada web and mobile applications.
• Seguro Bike Registrada - Plano Ouro (Gold) Mid-tier monthly bicycle insurance plan for individual cyclists covering everything in Plano Prata plus accidental breakage during cycling or transport and transport/towing assistance, priced at R$18.03/month. Sold via the Bike Registrada web and mobile applications.
• Bike Registrada Mobile App Native mobile application for iOS and Android that enables individual cyclists to manage their bicycle insurance quotations, contracts, online inspections, and 24-hour roadside assistance requests. Distributed via Apple App Store and Google Play with 100,000+ combined downloads.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• ESSOR SeguroscoreOthersInsurance underwriter guaranteeing all Bike Registrada insurance products. ESSOR Seguros is part of the SCOR group, the world's fourth largest reinsurer operating across multiple segments globally. All insurance coverage is backed by ESSOR's financial strength and regulatory compliance.
• Total Br SeguroscoreOthersInsurance intermediary registered with SUSEP (registration 222142357) that mediates the insurance products offered by Bike Registrada, ensuring regulatory compliance with Brazilian insurance authority requirements.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• BikeInsure: US bicycle insurance specialist offering individual bike policies online. Operates in the same niche with similar digital distribution and tiered coverage, though focused on the US market.
• Velosurance: US-based specialty bicycle insurance provider offering standalone bike policies covering theft, damage, and liability. Direct competitor in the niche of purpose-built cyclist insurance distribution, though operating in a different geography.
• Spoke Insurance: Bicycle-focused insurance platform providing theft and damage coverage to cyclists. Closely comparable product positioning and target customer (bike owners), though based in the US market.

Regional players

• Akko: Brazilian insurtech specializing in gadget and electronics insurance with a digital-first model. Comparable as a Brazil-based digital insurance intermediary targeting consumer goods, with overlap in the e-bike category.

Emerging players

• Sundays Insurance: India-based insurtech focused on bicycle and two-wheeler insurance with a digital-first model. Comparable in product category (specialty two-wheeler coverage) and digital distribution, though operating in a different geography.
• BikeExchange: Global online bicycle marketplace connecting buyers and sellers of new and used bikes. Comparable through Bike Registrada's Classificados marketplace vertical, though BikeExchange is a pure marketplace without the insurance layer.

Broad incumbents

• Markel: Global specialty insurance carrier that includes bicycle insurance as part of its personal lines portfolio. Comparable as a provider of bicycle-specific insurance products, though as an established carrier rather than a digital-native distributor.
• Justos: Brazilian insurtech offering auto insurance through a digital platform with proprietary data-driven underwriting. Comparable as a Brazilian digital insurance disruptor, though focused on auto rather than bicycles.
• Pier: Brazilian digital insurance platform for SMBs and consumers. Comparable as a Brazil-focused insurtech using technology to simplify insurance distribution, though broader in product scope.

Others

• Lemonade: Public digital-native insurance company using AI-driven underwriting and a mobile-first experience. Comparable as a technology-led insurance distribution model demonstrating the insurtech thesis at scale, though operating in different geographies and lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bikeregistrada
• Facebookfacebook.com/BikeRegistrada

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BikeRegistrada