Del Valle Abogados (DVA)

What Del Valle Abogados (DVA) does

Clube Unir — Associação de Proteção Veicular is a Brazilian mutual vehicle protection association headquartered in Campo Grande, Rio de Janeiro, founded in 2015 and operating for over nine years. It serves individual vehicle owners, ride-hailing and taxi drivers (Uber, 99), GNV owners, and commercial/utilitarian vehicle operators across Brazil, with a physical footprint of eight operational units and one upcoming location concentrated in the Rio de Janeiro metro area. Membership exceeds 20,000 active associates, with 15,000+ claims resolved historically and a reported 98% member satisfaction rate.

The association's core product is a single bundled vehicle protection plan covering theft/robbery (with table-value indemnification), collision (partial and total loss), natural phenomena, third-party damages up to R$30,000, 24-hour roadside assistance (towing, mechanical/electrical, key/lock), windshield protection without deductible, and residential assistance (electrician, plumber, locksmith). The technology stack is digital-first but operationally conventional: a proprietary iOS/Android mobile app for member self-service, WhatsApp as the primary customer-interaction channel for quotes, documents, and claims, and a GPS tracking device bundled with the plan for real-time vehicle location. There are no disclosed AI/ML capabilities.

Commercially, Clube Unir operates as a non-SUSEP-regulated mutualist association funded by recurring monthly contributions (cotas) from members, with quote-based pricing that is not publicly disclosed. Distribution is hybrid: WhatsApp and the mobile app for digital onboarding, supplemented by inside-sales phone support and a retail network of physical sales points co-located with Shell, Posto 500, and Ipiranga gas stations. Value is augmented through an ecosystem of brand partnerships (Uber as core, plus Buser, Casas Bahia, Magazine Luiza, Netshoes, Droga Raia, Cinemark, Centauro, Kinoplex, Estácio, UCI Cinemas) delivering 50+ ancillary benefits to members.

Name

Del Valle Abogados (DVA)

Legal name

Clube Unir — Associação de Proteção Patrimonial Mutualista

Website

https://delvalle.com.do

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Clube Unir is a Brazilian mutual vehicle protection association, founded in 2015 and headquartered in Rio de Janeiro, serving over 20,000 members with bundled vehicle coverage, 24h roadside assistance, and 50+ partner benefits across eight Rio metro units.

Ownership category

akta.pro rank

Product category

Vehicle Protection Services

NAICS

Other Insurance Funds (52519)

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

GAP & Vehicle Protection Products (GAP Waiver/Insurance, Lease/Loan Protection) (FSAJALAC)

Keywords

• Vehicle protection association
• Mutual vehicle coverage
• Roadside assistance
• Vehicle tracking service
• Membership protection plans

Headquarters

HQ city

Campo Grande

HQ country

Brazil

HQ region

Latin America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mutual Protection Membership Fees: Monthly membership/cota contributions in exchange for vehicle protection coverage, assistance services, and exclusive benefits. Operating as a mutualist association, not regulated by SUSEP.
2. Participation Cotas (Incident-Based): When a member files a claim, additional participation cuotas may be assessed based on vehicle type, event, and contract terms.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

Clube Unir is a mutual vehicle protection association offering comprehensive coverage against theft, collision, natural disasters, and third-party damages, plus 24-hour roadside assistance, residential assistance, and 50+ member benefits. Members pay monthly contributions to a shared mutualist protection fund rather than purchasing regulated insurance, with 100% digital onboarding, quotes, and claims processing via WhatsApp and a proprietary mobile app.

Product overview

Clube Unir is a mutualist vehicle protection association offering comprehensive coverage plans. The core product is the Proteção Veicular (vehicle protection) service, which includes an exclusive mobile app for member management and digital claims processing, a real-time vehicle tracking device (Dispositivo Localizador), residential assistance (Assistência Residencial), and 24h emergency support. All services are bundled into a single protection plan with 50+ member benefits, available throughout Brazil with multiple physical service units in Rio de Janeiro.

Differentiator

Problem solved

Functional benefit

Products and services

• Clube Unir - Proteção Veicular

Quantifiable outcome

• Protection activation within 24 hours of approval and payment confirmation
• +4 more outcomes

Named customers3 records

Segments3 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

Eleven partnerships are on record, tiered core and minor.

• UbercoreGTM or Marketing PartnerPartnership with Uber providing exclusive benefits and protections for Uber driver-partners using the platform.
• BuserminorGTM or Marketing PartnerPartnership with Buser (bus charter platform) providing exclusive member benefits.
• Casas BahiaminorGTM or Marketing PartnerRetail partnership offering Casas Bahia member benefits and promotions to Clube Unir associates.
• Magazine LuizaminorGTM or Marketing PartnerRetail partnership providing Magazine Luiza member benefits to Clube Unir associates.
• NetshoesminorGTM or Marketing PartnerSports e-commerce partnership offering exclusive discounts to Clube Unir members.
• Droga RaiaminorGTM or Marketing PartnerPharmacy partnership providing exclusive health and wellness benefits to members.
• CinemarkminorGTM or Marketing PartnerCinema partnership offering movie benefits and promotions to Clube Unir associates.
• CentaurominorGTM or Marketing PartnerSports retailer partnership offering athletic and sports merchandise benefits.
• KinoplexminorGTM or Marketing PartnerCinema partnership offering movie benefits and promotions to members.
• EstáciominorGTM or Marketing PartnerEducation partnership providing educational benefits and discounts for members.
• UCI CinemasminorGTM or Marketing PartnerCinema partnership providing entertainment benefits to members.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• HDI Seguros: Brazilian multi-line insurer with strong auto and fleet offerings, including partnerships with rideshare drivers. Overlaps with Clube Unir's professional-driver segment through traditional broker distribution.
• Liberty Seguros: International insurer with established Brazilian auto franchise. Competes broadly in the same auto insurance market as Clube Unir through agent networks and digital channels.
• Tokio Marine Seguradora: Major Japanese-owned Brazilian insurer with material auto exposure. Competes in the same auto coverage category but as part of a diversified multi-line portfolio through brokers and bancassurance.
• Azul Seguros: Brazilian auto-focused insurer (formerly Chubb do Brasil). Competes directly in the auto segment with Clube Unir but uses a traditional agency-led, SUSEP-regulated model.
• Mapfre Seguros: Spanish global insurer with material Brazilian auto exposure. Competes with Clube Unir on broader auto coverage but via broker-led, regulated-insurer distribution.
• Porto Seguro: Brazil's largest multi-line insurer with a dominant auto insurance franchise. Competes broadly for the same vehicle owners as Clube Unir but offers a much wider product portfolio through traditional broker and agency channels.

Direct peers

• Justos: Brazilian digital auto insurtech offering usage-based, app-driven auto insurance. Directly competes with Clube Unir for the same digitally-engaged Brazilian vehicle owner, but operates as a regulated SUSEP insurer rather than a mutual association.
• Z1: Brazilian digital-first auto insurance platform targeting young drivers and gig-economy drivers (Uber, 99). Closely overlaps with Clube Unir's professional-driver segment but uses a fully licensed insurer model.
• 180 Seguros: Brazilian digital auto insurer focused on transparent, lower-cost auto coverage sold online. Targets the same value-conscious Brazilian vehicle owner that Clube Unir serves with its mutualist model.

Others

• Ituran: Brazilian vehicle tracking and telematics provider. Comparable because Clube Unir bundles a GPS locator device into its plan; Ituran provides underlying technology and adjacent fleet/asset-monitoring services to similar end customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Clubeuniroficial
• LinkedInlinkedin.com/company/delvalleabogados
• Instagraminstagram.com/clubeuniroficial

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 Del Valle Abogados (DVA)