ACCI Proteção Veicular

What ACCI Proteção Veicular does

ACCI Proteção Veicular (legal name: Associação de Benefícios de Ibirité – ACCI) is a Brazilian non-profit vehicle protection association founded in 2008 and headquartered in Ibirité, Minas Gerais. It serves individual vehicle owners — including cars, motorcycles, and trucks, and a secondary segment of taxi and app-based ride operators — in the Greater Belo Horizonte metropolitan region, providing protection against accident, theft, robbery, fire, and natural phenomena, plus nationwide 24-hour roadside assistance (towing, locksmith, fuel, tire change, taxi, lodging, and vehicle storage). Coverage is delivered through a member-contribution (rateio / cota) model in which monthly fees are calculated proportionally to the vehicle's FIPE table value, with losses shared across the membership base; ACCI is not regulated by Susep and self-regulates under AAAPV rather than operating as a licensed insurer.

The technology stack is a conventional association management platform rather than an AI-enabled system: an online CRM at crm.clubeacci.org.br handles real-time quoting based on FIPE values, plan selection, and contract initiation; a mobile application supports member services (second-via boleto, workshop finder, friend referrals, quotes, and benefits club access); and a mobile-based self-service vehicle inspection feature streamlines pre-coverage onboarding. Membership acquisition and servicing run entirely through direct-to-consumer digital channels, supplemented by phone support (31) 3472.3030 and a 24-hour emergency line (0800.649.0300), with optional add-on coverage (third-party, courtesy car, glass) and a partner discount network (Clube de Benefícios) as retention and revenue-per-member levers.

The business model is a non-profit subscription-like recurring fee structure (monthly cotas), with no investor or external equity ownership; losses and operating expenses are passed through to members rather than absorbed as margin. No funding rounds, M&A activity, headcount disclosures, or financial statements are present in the input data, and the association is single-region in its operational focus even though assistance is advertised nationwide.

Name

ACCI Proteção Veicular

Legal name

ASSOCIAÇÃO DE BENEFÍCIOS DE IBIRITÉ – ACCI

Website

https://clubeacci.org.br

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

ACCI Proteção Veicular is a Brazilian non-profit association founded in 2008, offering vehicle protection through a member-contribution (rateio) model scaled to FIPE vehicle values, serving individual vehicle owners in the Greater Belo Horizonte metropolitan region with nationwide 24-hour roadside assistance.

Ownership category

akta.pro rank

Product category

Vehicle Protection Association

NAICS

Other Insurance Funds (525190)

akta.pro primary industry

Roadside Assistance & Towing Memberships (Bundled with Service Contracts) (FSAJALAL)

akta.pro secondary industries

Personal Auto Add-Ons & Endorsements (Roadside, Rental Reimbursement, OEM Parts) (FSAJAAAL), Auto Glass & Roadside Assistance (Add-on Coverages) (FSAJABAJ)

Keywords

• Vehicle protection association
• Automotive roadside assistance
• Auto insurance alternative
• Membership contribution plans
• Non-profit vehicle coverage

Headquarters

HQ city

Ibirité

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

Revenue model

1. Vehicle Protection Membership Fees: ACCI operates as a non-profit association where members pay monthly contributions (cotas) based on their vehicle's FIPE table value. The contribution system uses a proportional rate: vehicles valued R$0-R$10,000 correspond to 0.5 cota; R$10,001-R$20,000 correspond to 1 cota, and so on. Losses and expenses are shared proportionally among all members (rateio). Membership fees are calculated based on vehicle FIPE value changes.
2. Optional Coverage Add-ons: Additional coverage options including third-party protection, loaner car, and glass coverage are available as optional add-ons to base protection plans, generating incremental revenue per member.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

ACCI is a non-profit vehicle protection association that provides member-funded automotive coverage through a proportional cost-sharing (rateio) system based on FIPE table values. Members pay monthly contributions (cotas) tied to their vehicle's value and receive protection against theft, robbery, accidents, fire, natural phenomena, and 24-hour roadside assistance nationwide, with optional add-ons for third-party liability, loaner cars, and glass coverage.

Product overview

ACCI Proteção Veicular operates as a non-profit vehicle protection association offering a core vehicle protection program based on a member contribution (rateio) system. The main product is the Programa de Proteção Veicular ACCI, which provides indemnification against theft, robbery, accidents, fire, and natural phenomena based on FIPE table values. This is complemented by 24-hour roadside assistance (Assistência 24 Horas) and an online quotation/contracting platform (Cotação e Contratação Online). Additional offerings include the Aplicativo ACCI mobile app, a Clube de Benefícios discount program with numerous partner establishments, and optional coverage add-ons such as courtesy car, glass coverage, and third-party protection.

Differentiator

Problem solved

Functional benefit

Named customers1 record

Segments2 records

Ideal customer profiles2 records

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.

• AAAPV (Agência de Autorregulamentação das Entidades de Autogestão de Planos de Proteção Contra Riscos Patrimoniais)coreStrategic or Co-development PartnerAAAPV is the main representative entity of the associative vehicle protection sector in Brazil. Founded on May 4, 2016, it is a non-profit organization committed to strengthening the associative movement and its relations with society, as well as contributing to the economic, social, and sustainable development of the country. ACCI is affiliated to AAAPV, which provides regulatory self-governance and industry representation.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• SulAmérica Seguros: Large Brazilian insurer with auto coverage portfolio including roadside and add-on endorsements; broad incumbent serving the same individual vehicle owner demographic as ACCI.
• Bradesco Seguros: Major Brazilian insurer distributing personal auto coverage through Bradesco's banking network with bundled roadside assistance — broad incumbent with significant scale advantage over ACCI in customer acquisition.
• Azul Seguros: Dedicated Brazilian auto insurer (formerly Allianz Auto) providing personal auto policies with roadside assistance add-ons and flexible enrollment — directly competing with ACCI for individual vehicle owners seeking simplified, accessible protection.
• Mapfre Seguros: Brazilian P&C insurer with significant auto insurance portfolio; competes with ACCI through standard personal auto policies that include optional roadside, glass, and third-party liability coverage.
• Tokio Marine Seguradora: Major Brazilian auto and P&C insurer offering personal auto coverage with optional roadside, glass, and courtesy car endorsements — overlapping ACCI's core and add-on protection features across a regulated insurance product structure.
• Porto Seguro: Brazil's largest insurer with dominant auto insurance market share; offers full personal auto coverage including roadside assistance bundles. Operates as a broad incumbent that competes with ACCI's protection offering across the same consumer base, though through regulated insurance products.
• Zurich Seguros Brasil: Brazilian P&C insurer with personal auto products bundling roadside assistance and add-ons; broad incumbent competing for ACCI's target customer through regulated insurance distribution.
• HDI Seguros: Brazilian auto insurer with strong direct-to-consumer digital sales channels competing for the same price-sensitive vehicle owner segment ACCI serves; offers personal auto with bundled roadside and add-on coverages.
• Liberty Seguros: Brazilian auto insurer offering personal auto coverage with modular endorsements including roadside assistance, glass, and courtesy car — directly comparable add-on structure to ACCI's protection plan.

Others

• AAAPV: Brazilian self-regulatory body for associative vehicle protection entities; ACCI is an affiliate. Provides industry representation, self-governance standards, and legitimacy to the associative protection sector in which ACCI operates.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/acci-prote%C3%A7%C3%A3o-veicular

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 ACCI Proteção Veicular