Airo Clube

What Airo Clube does

Airo Clube (legal name ASSOCIAÇÃO AIRO CLUBE DE BENEFÍCIOS MÚTUOS, CNPJ 30.558.293/0001-98) is a Brazilian non-profit civil association headquartered in Campo Grande, Rio de Janeiro, that operates a mutualist vehicle protection program rather than a traditional insurance product. Members contribute through a rate-sharing model in which collective monthly contributions (mensalidades) plus event-based participation fees (cota de participação) cover the costs of vehicle protection events among the membership base; the association is governed by an elected member board under the Brazilian Civil Code. Coverage is structured across tiered plans — VIP/AMU for passengers, Airo Mulher for women drivers, Premium for high-value vehicles, Diesel Leve for pickups/SUVs, Essencial, Roubo e Furto only, and three motorcycle variants — with a modular add-on stack that includes windshield/glass, GPS tracker, CNG kit, courtesy car, third-party liability, passenger accident (APP), and residential assistance. Participation fees are calibrated by vehicle type and value, with passenger vehicles starting at a R$1,400 minimum or 5% of the FIPE table value, premium vehicles at R$3,600 or 10%, and motorcycles at R$2,400 or 24%.

The operational technology centers on a 24/7 GPS-based vehicle monitoring service with pre-programmed location reporting accessible via website login or monitoring center, supplemented by the AIRO CLUBE mobile application (available on Google Play and App Store) that supports invoice issuance, event tracking, payment confirmation, referral bonuses, and benefit-club access. Distribution and member acquisition run entirely direct-to-consumer through the airoclube.org website, the mobile app, WhatsApp, and a 0800 contact center, with referrals via the in-app bonus system serving as the documented viral acquisition vector. Beyond vehicle protection, Airo Clube operates a broader benefits ecosystem — Airo Saúde (online medical assistance), Airo Abastece Aí (fuel discounts at partner stations), and the Clube de Benefícios (cashback at partner merchants) — positioning itself as a member-services platform rather than a pure insurance alternative.

Revenue is generated through three streams: recurring monthly membership contributions, a one-time refundable adhesion fee (full refund within 15 days if refused; 50% within 48 hours after delivery for voluntary withdrawal), and event-based participation fees set as percentages of FIPE vehicle value or fixed minimums depending on vehicle type and event history. Pricing is not publicly disclosed as a fixed amount, since contributions are determined through mutualist rate-sharing among members. The association serves individual vehicle owners across Brazil — including commercial ride-hailing drivers, premium vehicle owners, women drivers, and motorcycle owners — with national coverage on all protection events and reimbursement up to 100% of FIPE table value on qualifying theft or total-loss events.

Name

Airo Clube

Legal name

ASSOCIAÇÃO AIRO CLUBE DE BENEFÍCIOS MÚTUOS

Website

https://airoclube.org

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Airo Clube is a Brazilian non-profit mutual vehicle protection association headquartered in Rio de Janeiro that covers cars, motorcycles, premium vehicles, and ride-hailing drivers through member rate-sharing, augmented by GPS monitoring, a mobile app, and a benefits ecosystem including health assistance and fuel discounts.

Ownership category

akta.pro rank

Headquarters

HQ city

Rio de Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Membership Contributions: Members pay recurring monthly contributions (mensalidades) based on a mutualist rate-sharing system. Contributions cover vehicle protection events, administrative expenses, and operational costs. The mutualism system means all members share the costs of events among themselves.
2. Adhesion Fee: One-time joining fee required for new members including inspection costs. Full refund if membership refused within 15 days; 50% refund within 48 hours of delivery if voluntary withdrawal.
3. Event Participation Fees (Cota de Participacao): Members pay participation fees when filing claims. Fees vary by vehicle type (car, motorcycle, taxi, premium) and are calculated as percentage of vehicle value or fixed minimum amounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Airo Clube operates a mutualist vehicle protection program (Programa de Proteção Veicular / Programa de Proteção Patrimonial) through which members contribute monthly payments and share the costs of vehicle-related events such as theft, robbery, collision, total loss, fire from collision, and natural phenomena. Members receive coverage, 24-hour roadside assistance (towing, mechanical/electrical, key locksmith, tire service), GPS-based vehicle monitoring, courtesy car, third-party protection, and access to lifestyle benefits including a fuel discount program, online medical assistance, and a benefits club with cashback.

Product overview

Airo Clube is a non-profit civil association operating a mutualist vehicle protection program (PPP – Programa de Proteção Patrimonial) with unlimited membership. The core product is the vehicle protection program, structured as a rate-sharing system among members rather than traditional insurance. The offering is organized into multiple vehicle-category plans (VIP/Passeio, Premium, Diesel Leve, Essencial, Roubo e Furto, and Motocicleta variants) as the core platform, supplemented by a modular add-on system including windshield/glass protection, CNG kit coverage, courtesy car, third-party protection, passenger accident insurance (APP), and residential assistance. Airo also operates a Benefits Club (Clube de Benefícios) providing discounts and cashback, a fuel discount program (Airo Abastece Aí), the Airo Saúde online health assistance sub-brand, the women-focused Airo Mulher plan, and a mobile app. All members receive GPS-based vehicle monitoring, and the 24-hour assistance network supports towing, mechanical/electrical services, and emergency aid.

Differentiator

Problem solved

Functional benefit

Brands

• Airo Mulher: A vehicle protection plan exclusively designed for women drivers.
• Airo Saúde
• Abastece Aí

Products and services

• Programa de Proteção Veicular (PPP) Core mutualist vehicle protection program for individual members in Brazil, providing coverage against theft, robbery, collision, total loss, fire from collision, natural phenomena, with 24-hour roadside assistance, GPS-based vehicle monitoring, courtesy car (in theft/robbery events), and third-party liability protection, structured as a rate-sharing subscription among members.
• AIRO CLUBE Mobile App Member-facing mobile application (iOS and Android) that allows Airo Clube members to issue invoices, track event status, confirm payments, make personal referrals, and check referral bonus rewards.
• Airo Mulher Women-focused vehicle protection plan requiring the primary driver to be female, providing theft, robbery, collision, third-party damages up to R$50,000, total loss, fire, natural phenomena, windshield, towing, tire service, vehicle recovery storage, lodging, funeral assistance, residential assistance, and a 7-day rental car.
• Airo Saúde Online medical assistance sub-brand providing health support for Airo Clube members and their families.
• Airo Abastece Aí Fuel discount program that gives Airo Clube members discounts at partner gas stations.
• Clube de Benefícios (Benefits Club) Membership benefits club providing Airo Clube members with discounts and cashback at partner stores across fuel, health, pharmacy, supermarket, and other retail categories.
• Assistência 24 Horas (24-Hour Assistance) 24-hour nationwide roadside and emergency assistance service for Airo Clube members, including towing, mechanical/electrical assistance, key locksmith, tire service, taxi/alternative transport, hospital removal, body transfer, companion sending, and lodging.
• Monitoramento Veicular (GPS Vehicle Monitoring) GPS-based real-time vehicle tracking and monitoring service with pre-programmed coordinate reporting times, accessible to members via website login or through the 24/7 central monitoring station for theft recovery and security.

Quantifiable outcome

• Up to 100% FIPE table value reimbursement for theft or total loss
• +2 more outcomes

Segments7 records

Ideal customer profiles6 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 moves5 records

Expansion highlights4 records

Direct peers

• Porto Seguro: Brazil's largest auto insurer and the dominant player in the very market Airo Clube targets with vehicle theft, collision, and total-loss coverage. Porto operates as a regulated insurer (the opposite end of the spectrum from Airo's mutualist association) but competes for the same customer wallet on personal auto protection.
• Azul Seguros: Major Brazilian auto insurer with direct-to-consumer digital distribution comparable to Airo's online/app-based motion. Competes in the same personal auto protection segment with theft, collision, and third-party coverage, often targeting cost-conscious drivers in the same value tier Airo addresses.
• Mapfre Seguros: Global insurer with substantial Brazilian auto operations, offering theft/collision/total-loss coverage and roadside assistance that mirrors Airo's core product suite. Competes for the same individual vehicle-owner customer segment.
• HDI Seguros: Brazilian auto and property/casualty insurer with significant share in the personal auto segment. Competes directly with Airo's mutualist offering on core vehicle protection products and uses similar digital channels for quote and policy management.
• Tokio Marine Seguradora: One of the largest auto insurers in Brazil, offering comprehensive coverage that functionally overlaps Airo's VIP/Passeio and Premium plans. As a regulated insurer with strong capital reserves, it represents the incumbent benchmark Airo is differentiating against on price.
• Liberty Seguros: Brazilian auto and P&C insurer competing in personal vehicle protection with comparable theft/collision coverage tiers and 24-hour assistance. Targets similar SMB/individual customer segments as Airo.

Broad incumbents

• Itaú Seguros: Bank-affiliated insurance arm of Itaú Unibanco distributing auto protection through the largest private banking network in Brazil. Represents the scale/distribution competitor Airo's member-owned mutualist model cannot easily match.
• Bradesco Seguros: Bank-distributed insurance arm of Bradesco with significant auto market share and broad financial services portfolio. Competes in auto protection and uses captive banking channels for distribution that Airo's mutualist model lacks.
• Zurich Brasil: Global insurance group with Brazilian auto operations offering comprehensive vehicle coverage including roadside assistance, app-based service, and lifestyle benefits, conceptually similar to Airo's bundled protection-plus-benefits positioning.
• SulAmérica: Major Brazilian insurance conglomerate offering auto, health, and life products. Its auto line directly competes with Airo while its health/benefits offering parallels Airo Saúde, making it a broader incumbent that touches both sides of Airo's product portfolio.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/airo-clube

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 Airo Clube