What Ancore Proteção Veicular does

Ancore Proteção Veicular (legal name: ANCORE – Associação Nacional de Cooperação Recíproca) is a Brazilian non-profit mutualist association, founded in 2014 and headquartered at Av. Portugal, 591, in Goiânia, Goiás. The company provides vehicle protection services as an alternative to traditional insurance, operating on mutualist principles in which members collectively fund claims through recurring monthly contributions rather than underwriting profit-seeking insurance. Coverage spans robbery, theft, collision, total loss, natural disasters, and third-party liability, supplemented by an extensive 24-hour assistance suite including towing, tire change, fuel delivery, locksmith, mechanical/electrical rescue, loaner vehicles, lodging, return-to-home transport, taxi, and funeral assistance. Ancore differentiates by eliminating driver profile analysis and SPC/SERASA credit checks, with personalized plans starting at R$2.02 per day.

The technical stack is built around a web-based member management and quoting platform (ancore.app) hosted on what appears to be Hinova's 'Kepler' association management software (kepler.hinova.com.br), supplemented by native iOS and Android mobile apps (Google Play ID br.com.hinovamobile.ancore; Apple App Store ID 1599569108) and a WhatsApp contact channel. Membership engagement is reinforced through the Clube de Vantagens benefits club, a partner network offering fuel and retail discounts via Clube Certo / Clubgas. There are no public APIs, SDKs, or AI/ML capabilities disclosed in the input data.

The business model is a subscription-style recurring contribution model (low double-digit to mid-double-digit USD/month per associate), monetized through a hybrid go-to-market: (i) direct-to-consumer digital acquisition (website quote request, mobile apps, WhatsApp) and (ii) a nationwide field force of 800+ specialists who assist with quotes and onboarding. The company reports 195,000+ families protected and 33,000+ active associates across Brazil, indicating a long tail of one-off/family coverage above the active paying base. Revenue, M&A, funding, and management team details are not disclosed; awards include Selo Jornada Flexível 2023, Selo Melhores Nacional Pequenas Empresas 2023, Selo Ranking Centro-Oeste 2024, and the Selo ISOARX compliance seal.

Name

Ancore Proteção Veicular

Legal name

ANCORE - ASSOCIACAO NACIONAL DE COOPERACAO RECIPROCA

Website

https://ancorepv.com.br

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

Ancore Proteção Veicular is a Brazilian non-profit mutualist association providing vehicle protection and 24-hour roadside assistance to individual car owners across Brazil, eliminating driver profile and credit checks and serving 33,000+ active associates via a 800+ specialist network and digital channels.

Ownership category

akta.pro rank

Product category

Vehicle Protection Services

NAICS

Insurance Carriers and Related Activities (524)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Vehicle Extended Warranty (VSC) & Mechanical Breakdown Insurance (MBI) (FSAJALAA)

Keywords

• Vehicle protection association
• Mutualist vehicle coverage
• Roadside assistance services
• Auto protection membership
• Vehicle assistance plans

Headquarters

HQ city

Goiânia

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, Infrastructure

Revenue model

1. Membership/Association Fees: Ancore is a non-profit association (Associação Nacional de Cooperação Recíproca) that generates revenue through recurring monthly membership fees from its associates. Members pay a periodic contribution in exchange for vehicle protection and assistance benefits. Plans start at R$2.02 per day, indicating a usage/value-based pricing model tied to vehicle type and risk profile.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Ancore Proteção Veicular is a non-profit mutualist association that provides vehicle protection plans to individual car owners across Brazil. Members pay recurring fees in exchange for coverage against robbery, theft, collision, total loss, natural disasters, and third-party liability, plus 24-hour roadside assistance services such as towing, locksmith, mechanical/electrical rescue, fuel delivery, tire changes, and loaner vehicles. Plans start at R$2.02 per day and do not require driver profile analysis or SPC/SERASA credit checks.

Product overview

Ancore Proteção Veicular is a non-profit association operating as a vehicle protection organization based on mutualism principles. The core product is vehicle protection coverage offering nationwide protection against theft, robbery, collision, total loss, and natural disasters, along with third-party liability coverage. The service is delivered through a membership model with plans starting at R$2.02 per day, providing personalized coverage options without requiring driver profile assessment or SPC/SERASA credit checks. The product portfolio includes the core Proteção Veicular service supplemented by extensive assistance and benefit add-ons including 24-hour road assistance, loaner vehicles, glass/headlight replacement, locksmith services, mechanical/electrical repair, tire changes, fuel delivery, funeral assistance, lodging, return-to-home transportation, taxi service, and a partner discount club (Clube de Vantagens). Members access services via a dedicated mobile application available on both Android and iOS platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Proteção Veicular Ancore (Vehicle Protection Membership) Core vehicle protection membership covering robbery, theft, collision, total loss, natural disasters, and third-party liability, plus 24-hour roadside assistance. Operates as a non-profit mutualist association requiring no driver profile or SPC/SERASA credit check, with personalized plans starting at R$2.02 per day for individual vehicle owners in Brazil.
• Clube de Vantagens (Benefits Club) Member benefits club offering discounts and special offers from partner brands, including fuel discounts through a partnership with Clubgas. Available to Ancore protection plan members.

Named customers3 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

One partnership is on record.

• Clube Certo (Clubgas)minorGTM or Marketing PartnerAncore members receive access to the Clube Certo benefits club, including discounts on fuel through a partnership with Clubgas (clubegas.org). Partner logos are displayed on the Ancore website as part of the 'Clube de Vantagens' (Benefits Club) program, offering associate members discounts and special offers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• SulAmérica Seguros: Large Brazilian insurer providing auto, life and health products plus assistance services. Comparable to Ancore on the vehicle protection-and-assistance bundle, competing as a regulated multi-line insurer rather than a mutualist association.
• Bradesco Seguros: One of Brazil's largest insurance groups, with a substantial auto insurance and roadside assistance franchise distributed through Bradesco's bank channel. Comparable to Ancore on the auto protection / assistance category, but with very different distribution and capital structure.
• Tokio Marine Seguradora: Major Brazilian P&C insurer with a sizable auto portfolio and assistance services. Overlaps with Ancore on the vehicle protection value chain and 24-hour assistance offerings, but operates as a regulated insurer with nationwide distribution.
• HDI Seguros: Brazilian P&C insurer with strong auto and assistance capabilities, including roadside services. Comparable to Ancore on the auto protection product line and 24-hour assistance, competing at greater national scale.
• Porto Seguro: Brazil's largest auto and multi-line insurance carrier with extensive roadside assistance infrastructure. Comparable to Ancore because it operates across the same vehicle protection / roadside value chain at national scale, but as a licensed insurer with deeper capital and broader product portfolio — not a non-profit mutualist association.
• Mapfre Seguros Brasil: Multi-line Brazilian insurer with strong auto and roadside assistance product lines. Comparable to Ancore on the auto protection and assistance bundle, competing at much larger national scale with a licensed-insurer model.
• Zurich Brasil Seguros: Brazilian arm of the Swiss insurer with an active auto and roadside assistance line. Comparable to Ancore on vehicle protection and 24-hour assistance category, with broader product portfolio and licensed-insurer capital backing.

Direct peers

• Azul Seguros: Brazilian auto insurer focused on broader access and digital onboarding for budget-conscious drivers. Closely comparable to Ancore in targeting the segment that finds traditional underwriting (credit/profiling) exclusionary, while competing as a licensed insurer rather than a mutualist association.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@Ancoreprote%C3%A7aoveicularr
• Facebookfacebook.com/ancoreprotecaoveicularoficial
• LinkedInlinkedin.com/company/ancorepv
• Instagraminstagram.com/ancoreprotecaoveicular

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 Ancore Proteção Veicular