APVS Brasil

What APVS Brasil does

APVS Brasil (legal name: APVS Associação de Proteção Veicular) is a Brazilian vehicle protection association headquartered in Belo Horizonte, Minas Gerais, with a commercial branch in Rio de Janeiro and a stated network of regional offices across Brazil. Founded between 2008 and 2012 (conflicting source dates), the organization operates on a non-profit, mutual-aid model in which members pay recurring monthly fees and share the cost of claims through a rateio (proration) system rather than paying premiums with an insurer margin. Coverage spans cars, motorcycles, trucks, and nautical vehicles, with specialized sub-products for professional drivers in the taxi, Uber, 99, and app-based delivery/ride segments.

The association's technical stack centers on a satellite-based vehicle tracking and monitoring system supplied by an external partner under a comodato (loan) arrangement and installed on member vehicles, together with a member portal (associado.apvs.org.br), native mobile apps on Google Play and Apple App Store, and a 100% digital event-reporting workflow for claims such as collision, theft, robbery, fire, and glass damage. Layered onto this protection core is a benefits club (Clube de Benefícios) integrating thousands of partners and over 30,000 discounted products with cashback, plus 24-hour roadside assistance covering towing, locksmith, fuel, tire change, and electrical/mechanical breakdown. Core operational assets include 501-1,000 employees, a 4007-2382 service hotline, and a 0800 605 4381 24-hour assistance line.

Customer acquisition is multi-channel — website quote requests, Google/SEO, Facebook/Instagram, traditional media (radio/TV), flyers, and tracked referrals — suggesting reliance on both product-led self-serve flows and word-of-mouth. Pricing is not publicly disclosed; quotes are generated based on vehicle type, location, plate, brand, model, and year. The legal and operating entity is structured as an associação (association/cooperative), with no disclosed parent company, institutional investors, external funding rounds, or M&A activity in the source data.

Name

APVS Brasil

Legal name

APVS Associação de Proteção Veicular

Website

https://apvs.org.br

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

APVS Brasil is a Brazilian non-profit vehicle protection association that uses a member-funded rateio model to deliver recurring coverage and roadside assistance to individual car, motorcycle, truck, nautical, taxi, Uber, 99, and app-based driver segments across Brazil.

Ownership category

akta.pro rank

Headquarters

HQ city

Belo Horizonte

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Associação / Membership Fees: APVS operates as an vehicle protection association where members pay monthly fees (mensalidades). Costs are shared among members through a rateio (prorated sharing) system for any claims (sinistros) that occur. This is a non-profit association model where costs are lower than traditional insurance because there are no profit margins.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

APVS Brasil operates as a non-profit vehicle protection association that provides monthly membership-based vehicle protection against collision, robbery, theft, fire, and natural phenomena through a mutual cost-sharing (rateio) model where members split damage costs. Coverage extends to cars, motorcycles, trucks, and nautical vehicles, and is complemented by 24-hour roadside assistance, satellite vehicle tracking, a member mobile app and portal, and a benefits club with over 30,000 discounted products and cashback.

Product overview

APVS Brasil operates as a vehicle protection association (associação de proteção veicular) offering coverage through a mutual aid/rateio system where members share damage costs. The core product portfolio includes vehicle protection plans for cars (Proteção Auto), motorcycles (Proteção Moto), and trucks (Proteção Truck), plus specialized protection for commercial drivers including Taxi, Uber, 99, and app-based motorcycle drivers. These core products are complemented by an add-on ecosystem comprising a benefits club with 30,000+ products and cashback, a member portal, mobile app, satellite tracking/monitoring system, and 24-hour roadside assistance services. The association operates from Belo Horizonte (headquarters) with a commercial office in Rio de Janeiro, serving members across Brazil.

Differentiator

Problem solved

Functional benefit

Products and services

• Proteção Auto Vehicle protection service for cars providing coverage against collision, robbery, theft, and natural phenomena, with access to a network of authorized repair shops of all brands.
• Proteção Moto Vehicle protection service for motorcycles with customized plans addressing different bike types and riding styles.
• Proteção Truck Vehicle protection service for trucks and commercial vehicles, marketed through a dedicated subdomain (apvstruck.com.br).
• Proteção Taxi Vehicle protection service designed specifically for taxi drivers, protecting their primary work vehicle from the risks of daily professional driving.
• Proteção Uber Vehicle protection service for Uber drivers covering the risks associated with daily driving and passenger transport on the platform.
• Proteção 99 Vehicle protection service for 99POP rideshare drivers, protecting their work vehicle with coverage for accidents and downtime.
• Proteção Motorista de Aplicativo Vehicle protection service for app-based motorcycle drivers covering motorcycle delivery and rideshare drivers operating on app platforms.
• Clube de Benefícios APVS Benefits club offering thousands of partner establishments with discounts on over 30,000 products plus cashback rewards for association members.
• Área do Associado Exclusive online member portal providing access to policy documents, second copy of invoices, registration updates, and benefits club.
• Aplicativo APVS Brasil Official mobile application enabling members to access second copy of invoices, important documents, registration updates, and the benefits club from smartphones (available on Google Play and Apple App Store).
• Sistema de Rastreamento e Monitoramento Satellite-based vehicle tracking and monitoring system installed in member vehicles by a third-party partner under a comodato (loan-for-use) arrangement.
• Assistência 24 Horas Round-the-clock roadside assistance for members including towing, locksmith services, electrical/mechanical breakdown support, fuel assistance, and tire replacement.

Quantifiable outcome

• Members can access over 30,000 products with discounts and cashback through the Benefits Club

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• HDI Seguros: Major Brazilian insurer with a strong auto and fleet book, overlapping APVS's Proteção Auto and Proteção Truck segments with regulated underwriting.
• Liberty Seguros: Brazilian auto and multi-line insurer with extensive dealer and digital distribution, overlapping APVS's individual and commercial auto protection market.
• Porto Seguro: Brazil's largest licensed auto insurer with a broad multi-line portfolio. Directly competes with APVS for auto and motorcycle protection customers but operates as a regulated insurer with full underwriting and a much wider product suite.
• Allianz Seguros: Global insurer with Brazilian auto coverage for individuals and fleets, representing another regulated competitor for APVS's core vehicle-protection value proposition.
• Bradesco Seguros: One of Brazil's largest insurance groups, distributing auto policies through Bradesco's bank branch network — directly contesting APVS's individual vehicle-owner segment.
• SulAmérica Seguros: Large Brazilian multi-line insurer with auto products that compete head-to-head with APVS's Proteção Auto and Proteção Moto offerings.
• Tokio Marine Seguradora: One of Brazil's largest multi-line insurers with significant auto exposure, competing with APVS for both individual and commercial vehicle protection customers.
• Zurich Brasil Seguros: Global insurer with established Brazilian auto and commercial vehicle offerings, competing for APVS's Proteção Auto and Proteção Truck customers with regulated products.
• Mapfre Seguros: Global insurer with substantial Brazilian auto and commercial vehicle operations, directly competing for APVS's individual and fleet protection customers.

Direct peers

• Azul Seguros: Brazilian auto insurer (formerly Chubb do Brasil) focused on the passenger auto segment, directly overlapping APVS's Proteção Auto value proposition with regulated, profile-priced products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 APVS Brasil