Premium Club

What Premium Club does

Premium Clube (legal name: Clube Premium de Autogestão) is a Brazilian vehicle protection association operating as an "auto-gestão" alternative to traditional auto insurance. Founded around 2015-2016 and headquartered in Minas Gerais, the company serves individual vehicle owners nationwide through a network of more than 60 physical stores and a multi-channel sales operation. It offers two monthly subscription plans: the Premium Plan (100% FIPE table reimbursement, up to 120 days of courtesy car, R$100,000 third-party liability coverage) and the Flex Plan (75% FIPE reimbursement, up to 7 days courtesy car, R$20,000 third-party coverage). Coverage extends across cars, motorcycles, trucks, taxis, and driving schools, and is bundled with 24-hour roadside assistance, a mobile app, and a Benefits Club providing discounts on more than 50,000 partner products and services.

The revenue model is recurring subscription-based with quote-driven pricing that varies by vehicle type, value, and driver profile. Technology consists of an iOS/Android member mobile app (Premium Associado) for bill payment, digital membership card, and service requests, plus a web-based Virtual Office ("Escritório Virtual") for policy management and document access. GTM is sales-led through the 60+ retail locations and supported by inside-sales via phone (4007-2420 capitals, 0800 numbers for other regions) and multiple WhatsApp lines, with organic social media presence on LinkedIn, Facebook, Instagram, and YouTube for top-of-funnel awareness. The company operates with 270+ employees including a 250+ consultant direct-sales force and holds SUSEP (Superintendência de Seguros Privados) authorization under CNPJ 23.577.271/0001-00, providing regulatory legitimacy as a self-managed association.

Operational fulfillment relies on partnerships with Brazil's largest rental car operators — Localiza, Unidas, and Movida — for courtesy car delivery, and AutoGlass for windshield repair. The platform is LGPD-compliant, with documented data handling for the member-facing applications. Ownership, investor backing, and corporate parent information are not disclosed in the available data; the entity operates as a privately held Brazilian association.

Name

Premium Club

Legal name

Clube Premium de Autogestão

Website

https://premiumclube.org.br

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

101–250 employees

Short description

Premium Clube is a Brazilian SUSEP-authorized vehicle protection association serving individual vehicle owners nationwide through 60+ physical stores and a monthly subscription model. It offers Premium and Flex plans covering theft, fire, total loss, third-party damage, and 24-hour roadside assistance.

Ownership category

akta.pro rank

Headquarters

HQ city

Minas Gerais

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Vehicle Protection Membership Fees: Monthly subscription fees charged to members for vehicle protection coverage including theft, fire, total loss, third-party damage, and roadside assistance. Two plan tiers: Premium (100% FIPE, full benefits) and Flex (75% FIPE, limited benefits).
2. Optional Services: Additional paid services including expanded protection options that members can add to their base plan.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Premium Club operates as a SUSEP-authorized self-managed vehicle protection association (auto-gestão) selling monthly subscription plans to individual vehicle owners. It offers two tiers—Premium with 100% FIPE reimbursement and up to 120 days courtesy car, and Flex with 75% FIPE reimbursement and up to 7 days courtesy car—bundled with 24-hour roadside assistance, third-party liability coverage, and a discount benefits club, distributed through 60+ physical stores across Brazil.

Product overview

Premium Club operates as a vehicle protection association (auto-gestão) offering two core protection plans: the Premium Plan (full-coverage with 100% FIPE reimbursement, 120 days courtesy car, R$100,000 third-party coverage) and the Flex Plan (economy option with 75% FIPE reimbursement, 7 days courtesy car, R$20,000 third-party coverage). The offering is bundled with a Benefits Club add-on providing cashback and discounts across 50,000+ products, a mobile app for digital membership cards and bill payments, and 24-hour roadside assistance. Coverage extends across multiple vehicle categories including cars, motorcycles, trucks, and taxis. The company holds SUSEP authorization as a self-managed association under CNPJ 23.577.271/0001-00.

Differentiator

Problem solved

Functional benefit

Brands

• Premium: Premium plan offering complete vehicle protection with 100% FIPE table coverage, up to 120 days of rental car, and additional benefits.
• Flex

Products and services

• Premium Plan Monthly subscription protection plan for individual car, motorcycle, truck, auto school, and taxi owners in Brazil, providing 100% FIPE-table reimbursement, theft and fire coverage, partial loss repairs, third-party damage coverage up to R$100,000, up to 120 days of courtesy car, 24h assistance, hotel/taxi assistance, and free discount club membership.
• Flex Plan Monthly subscription vehicle protection plan aimed at cost-sensitive vehicle owners in Brazil, providing 75% FIPE-table reimbursement, up to 7 days of courtesy car, third-party damage coverage up to R$20,000, and 24h assistance.

Quantifiable outcome

• 270+ collaborators and 250+ consultants serving members across Brazil
• +3 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• LocalizacoreStrategic or Co-development PartnerVehicle rental partner providing courtesy car services to Premium Club members. Localiza is one of Brazil's largest vehicle rental companies.
• UnidascoreStrategic or Co-development PartnerVehicle rental partner providing courtesy car services to Premium Club members. Unidas is a major Brazilian vehicle rental and fleet management company.
• MovidacoreStrategic or Co-development PartnerVehicle rental partner providing courtesy car services to Premium Club members. Movida is a significant Brazilian vehicle rental company.
• AutoGlassminorStrategic or Co-development PartnerAutoGlass partnership for vehicle glass repair and replacement services for Premium Club members.

Scale indicators5 records

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• HDI Seguros: Brazilian property and casualty insurer with strong auto insurance presence. Competes with Premium Club in the vehicle protection segment through traditional insurance products distributed via broker and bancassurance channels.
• Tokio Marine Seguradora: Major Brazilian insurance carrier with significant auto insurance portfolio. Competes with Premium Club on vehicle protection through traditional P&C insurance underwriting rather than membership model, with greater capital backing and broader product offerings.
• Porto Seguro: Brazil's largest insurance conglomerate with dominant auto insurance market share. Overlaps with Premium Club across vehicle protection offerings but competes through traditional insurance underwriting rather than membership/subscription model, with significantly broader product portfolio (home, life, health).
• Azul Seguros: Major Brazilian auto insurance carrier owned by Porto Seguro group, focused on direct-to-consumer auto insurance distribution. Competes with Premium Club on vehicle protection but through regulated insurance underwriting rather than auto-gestão association model.
• Mapfre Seguros: Global insurance carrier with strong Brazilian auto insurance operations. Competes with Premium Club on vehicle protection through traditional insurance underwriting, with global reinsurance backing and broader product portfolio.

Direct peers

• Zelas Veicular: Brazilian vehicle protection association operating under similar SUSEP-authorized auto-gestão structure. Competes directly with Premium Club on membership-based vehicle protection with bundled benefits and 24-hour assistance.
• AutoClub Proteção Veicular: Brazilian vehicle protection association offering similar membership-based protection against theft, fire, and collision with roadside assistance. Directly competes with Premium Club using the same auto-gestão SUSEP-authorized model across multiple Brazilian states.
• Assoveículos: Brazilian vehicle protection association offering theft, fire, and collision protection through membership model. Comparable to Premium Club as a direct competitor in the self-managed association segment with similar plan structures and bundled roadside/courtesy car benefits.

Others

• Localiza: Brazil's largest vehicle rental company and current Premium Club partner for courtesy car services. Comparable as a related automotive ecosystem player, though not a direct competitor; relevant because partnership terms and competitor offerings in rental fleet protection intersect with Premium Club's value proposition.

Emerging players

• Justos: Brazilian insurtech offering direct-to-consumer auto insurance with usage-based pricing via mobile app. Emerging competitor to Premium Club using digital-first model that could attract the same price-sensitive segment Premium Club targets with its membership product.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Customer concentration

• YouTubeyoutube.com/channel/UCCRvg9MYF6b6s42SyJva1Dw
• Facebookfacebook.com/premiumclubeoficial
• LinkedInbr.linkedin.com/company/premium-clube
• Instagraminstagram.com/premiumclubeoficial

Compliance2 records

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 Premium Club