Coonecta Cooperativa

What Coonecta Cooperativa does

Coonecta Cooperativa is a Brazilian cooperative (CNPJ 50.716.983/0001-35) headquartered in Curitiba, Paraná, that delivers mutualist vehicle protection as an alternative to traditional auto insurance, alongside an expanding ecosystem of consumer assistance services. Its core offering, Proteção Auto, provides national coverage against theft, robbery, collision, total loss, and third-party liability, plus 24-hour roadside assistance and GPS-based tracking, with no SPC/Serasa credit checks or driver-profile restrictions. The cooperative model has grown to 25,000+ associates protecting 40,000+ vehicles, and the company's claimed differentiators are accessibility, transparency, and human-assisted 24/7 service.

The technical foundation is a digital platform layered over the cooperative structure: a native mobile app (iOS and Android) for account management, assistance tracking, and digital invoicing; a digital vehicle inspection system (Vistoria Digital); an online quotation portal (cotacaoonline.coonecta.com.br); and separate portals for members (associado.coonecta.com.br) and consultants (sgv.agileconnect.com.br). Revenue is generated primarily through recurring subscription membership fees for vehicle protection, supplemented by add-on modules including TAG electronic toll payment, 24-hour telemedicine (Assistência Saúde), residential assistance (Assistência Residencial), sustainable energy services, a used/salvaged vehicle marketplace, and a fuel benefit program. Distribution combines self-service digital channels with a nationwide network of independent consultants (consultores) who manage more complex sales and account servicing. Coonecta is registered with SUSEP (Brazilian private insurance regulator) and is LGPD-compliant under Brazil's general data protection law (Lei nº 13.709/2018).

Go-to-market emphasizes digital-first acquisition (online quotation, mobile apps, and social channels such as Instagram @coonecta.oficial) complemented by the consultant network. Reported operational data from Q1 2026 includes 4,440 assistances, R$8.5M in repair value across 1,022 repaired vehicles, R$1.6M in indemnities paid, and R$1.3M in recovered vehicle value across 36 theft events, indicating active claims and roadside operations at scale. The product portfolio and geographic footprint are oriented toward continuing national expansion and cross-sell wallet-share growth within the existing member base.

Name

Coonecta Cooperativa

Legal name

Coonecta

Website

https://coonecta.com.br

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Coonecta Cooperativa is a Brazilian cooperative that provides mutualist vehicle protection — an alternative to traditional auto insurance without credit checks — alongside subscription-based add-ons including electronic tolling, telemedicine, residential assistance, energy, and a vehicle marketplace, serving more than 25,000 associates and 40,000 protected vehicles nationwide.

Ownership category

akta.pro rank

Product category

Mutualist Vehicle Protection

NAICS

Insurance Carriers and Related Activities (524), Motor Vehicle Towing (488410)

SIC

Transportation Services (4700)

akta.pro primary industry

Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Vehicle protection services
• Mutualist cooperative insurance
• Roadside assistance services
• Telemedicine subscriptions
• Electronic toll collection

Headquarters

HQ city

Curitiba

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, Others

Revenue model

1. Vehicle Protection Memberships: Monthly or periodic membership fees from vehicle protection plans (Proteção Auto). Members pay recurring contributions in exchange for coverage against theft, robbery, collision, total loss, third-party protection, and 24-hour assistance.
2. Residence Assistance Plans: Subscription-based home assistance services including locksmith, electrician, plumber, and other essential home services.
3. Health Telemedicine Services: 24-hour telemedicine subscription services for individuals and families, providing remote medical consultations.
4. Toll Tag (TAG) Service: Electronic toll collection service with free-flow tolling, parking, and drive-through capabilities. Revenue from TAG device and usage fees.
5. Energy Services: Sustainable energy solutions, potentially solar or energy management services for members.
6. Vehicle Marketplace: Platform for selling salvaged and used vehicles to members. Commission or transaction fees from vehicle sales.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Coonecta Cooperativa is a Brazilian mutualist cooperative offering vehicle protection (Proteção Auto) with national coverage, 24-hour roadside assistance, and coverage against theft, robbery, collision, total loss, and third-party liability. The vehicle protection is bundled into a broader service ecosystem including electronic toll collection (TAG), 24-hour telemedicine, residential assistance, and sustainable energy solutions, all managed through a proprietary mobile app and supported by a nationwide consultant network.

Product overview

Coonecta is a Brazilian cooperative offering an ecosystem of vehicle protection, assistance, and convenience services. The core offering is Proteção Auto, a mutualist vehicle protection service that provides national coverage, 24-hour assistance, and up to 100% coverage. This is complemented by add-on modules including TAG de Pedágio (electronic toll collection), Assistência Saúde (24-hour telemedicine), Assistência Residencial (home services), and Energia (sustainable energy). Additional services include a mobile app for account management, vehicle inspection services, a marketplace for buying/selling vehicles, and an anonymous reporting channel. The company serves over 40,000 protected vehicles with coverage across the entire national territory.

Differentiator

Problem solved

Functional benefit

Products and services

• Proteção Auto
• TAG de Pedágio
• Assistência Saúde
• Assistência Residencial
• Energia
• Coonecta Marketplace
• Coonecta Combustível

Named customers4 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• 180 Seguros: Digital-first Brazilian auto insurer offering simplified, lower-cost policies online. Comparable to Coonecta in competing for digitally-native drivers priced out of traditional insurance, though 180 is a licensed insurer not a cooperative.
• Pier: Brazilian insurtech using telematics and smartphone data to price auto insurance. Comparable in targeting young and underserved drivers with a mobile-first experience that overlaps with Coonecta's app-led onboarding.
• Justos: Brazilian insurtech offering usage-based auto insurance through a digital-first experience. Comparable to Coonecta in targeting underserved drivers with a modern, app-led experience, but uses telematics-based pricing rather than a no-credit-check mutualist model.

Direct peers

• Azul Seguros: Brazilian auto insurer focused on the mass-market segment with simplified digital distribution. Comparable to Coonecta's accessible, no-friction positioning in auto protection, though Azul operates as a licensed insurer rather than a cooperative.
• Sem Parar: Brazilian electronic tolling and mobility service (TAG) provider with a member subscription model. Comparable to Coonecta's TAG de Pedágio add-on, but operates at far greater scale and is also embedded in roadside assistance and vehicle services.

Broad incumbents

• SulAmérica Seguros: Major Brazilian multi-line insurer offering auto, health, and residential products. Comparable to Coonecta's diversified protection, mobility, and health bundle, though SulAmérica operates as a licensed insurer rather than a cooperative.
• Mapfre Seguros: Global insurer with significant Brazilian auto and assistance operations. Comparable as a broad incumbent offering vehicle protection plus assistance modules similar to Coonecta's Proteção Auto + Assistência Residencial bundle.
• Porto Seguro: One of Brazil's largest insurance conglomerates with a dominant auto insurance franchise. Comparable to Coonecta because it competes for the same vehicle protection wallet, but at far greater scale and through a traditional (rather than cooperative) model.
• HDI Seguros: Brazilian insurer with a strong auto insurance franchise and national broker network. Comparable to Coonecta in target customer (vehicle owners) but operates under a traditional licensed insurer model with full regulatory capital requirements.
• Tokio Marine Seguradora: Large Brazilian auto and property insurer from the Tokio Marine group. Competes in the same vehicle protection category as Coonecta's core Proteção Auto and has the capital base and broker network to undercut smaller cooperatives.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/coonecta
• LinkedInlinkedin.com/company/coonecta-cooperativa
• Instagraminstagram.com/coonecta.oficial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Coonecta Cooperativa