Movimento Mais Brasil

What Movimento Mais Brasil does

Movimento Mais Brasil is a Brazilian Civil Mutual Aid Association (Associação Civil de Socorro Mútuo) founded in 2014 and headquartered in Goiânia, Goiás, that provides vehicle protection services to individual consumers through a cooperative cost-sharing model (rateio de despesas) rather than traditional insurance underwriting. The association serves over 20,000 members nationwide with a unified product covering passenger automobiles, motorcycles, and heavy trucks, complemented by 24-hour roadside assistance, unlimited replacement vehicle (Carro Reserva), and cash indemnity paid directly to members' accounts via the Auto Mensal partnership (7-day reimbursement for collision claims, 30 days for total loss). Members are onboarded through an online adhesion process and supported via 0800 numbers, WhatsApp, field consultants, and the App do Associado, which provides digital ID cards and service request tracking.

Underlying the protection offering is a layered benefits ecosystem designed to make membership pay for itself through recurring utility: Mais Brasil Telesaúde provides 24/7 telemedicine across general practice, psychology, psychiatry, nutrition, and endocrinology, while Mais Brasil Saúde offers in-person specialist consultations on a monthly-fee-plus-co-participation basis. Additional modules include a nationwide fuel discount network with thousands of partner stations and the Clube de Vantagens, a multi-vertical discount club spanning pharmacies, restaurants, retail, and entertainment. The association is registered with SUSEP under Lei 213/25 and Resolução CNSP 491/25 and holds ISO 9001:2015 certification, with an 8.5/10 customer satisfaction rating on Reclame Aqui.

The business model is subscription-recurring: members pay monthly mutual aid contributions that fund claims, assistance services, and operations under a not-for-profit mutual structure, with ancillary revenue from the Telesaúde and Saúde modules billed as add-ons to the vehicle protection invoice. GTM is direct-to-consumer, combining a website-based quote engine, WhatsApp-driven sales, phone-based inside sales, and field consultants under the "Junte-se ao movimento" recruitment CTA. Distribution is exclusively domestic (Brazil), with no enterprise or B2B contracts disclosed and customer concentration spread across a horizontally segmented base of individual vehicle owners, professional drivers, and cargo transporters.

Name

Movimento Mais Brasil

Legal name

Movimento Mais Brasil

Website

https://movimentomaisbrasil.org.br

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Movimento Mais Brasil is a Brazilian civil mutual aid association offering vehicle protection through cost-sharing among 20,000+ members nationwide, serving individual car, motorcycle, and truck owners with 24-hour assistance and bundled health, fuel, and discount benefits.

Ownership category

akta.pro rank

Headquarters

HQ city

Goiânia

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mutual Aid Contributions (Rateio): Members contribute through a cost-sharing system where expenses are divided among associates. This is the core revenue model of the association, operating as a not-for-profit mutual aid structure where contributions cover claims, assistance services, and operational costs.
2. Supplementary Health Benefit: Additional monthly fee for Mais Brasil Saúde and Telesaúde services, added to the vehicle protection invoice, with accessible co-participation fees for consultations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Movimento Mais Brasil is a Civil Mutual Aid Association that provides vehicle protection coverage (automobiles, motorcycles, and trucks) through a cost-sharing (rateio) model among its members, rather than traditional insurance premiums. Members contribute monthly, and the pooled funds cover 24-hour nationwide roadside assistance, collision and theft claims, reserve cars (Carro Reserva), third-party protection, and supplementary benefits including telemedicine (Mais Brasil Telesaúde), in-person healthcare (Mais Brasil Saúde), fuel discounts at partner stations, and the Clube de Vantagens discount club.

Product overview

Movimento Mais Brasil operates as a Civil Mutual Aid Association (Associação Civil de Socorro Mútuo) offering a unified vehicle protection platform with tiered coverage for automobiles, motorcycles, and heavy trucks. The core offering centers on proteção veicular (vehicle protection) with mutual aid cost-sharing, complemented by integrated benefits including unlimited Carro Reserva (reserve car), 24h Assistance, fuel discounts, and the Clube de Vantagens (advantage club). Health benefits are delivered through two modules: Mais Brasil Telesaúde (telemedicine) for online consultations and Mais Brasil Saúde for in-person specialist care. Members access services via the App do Associado (member app) and dedicated 24h call centers. The company differentiates through transparency, cost-sharing, and ISO 9001-certified quality management.

Differentiator

Problem solved

Functional benefit

Brands

• Mais Brasil Saúde: Health benefit program offering both telemedicine and in-person medical consultations with specialists.
• Telesaúde
• Clube de Vantagens
• Auto Mensal

Quantifiable outcome

• 7-day reimbursement for repair claims
• +3 more outcomes

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

Two partnerships are on record, tiered core and minor.

• Auto MensalcoreStrategic or Co-development PartnerAuto Mensal is an organization that Movimento Mais Brasil works with to provide cash indemnity payments directly to members' accounts. Members choose their own repair shop with 7-day collision coverage and 30-day theft/total loss coverage.
• Partner Fuel Stations ( nationwide network)minorGTM or Marketing PartnerThousands of partner fuel stations across Brazil providing exclusive fuel discounts to Movimento Mais Brasil members, part of the member benefits ecosystem designed to make membership pay for itself.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Tokio Marine Seguradora: Large global insurer with a significant Brazilian auto and assistance business. Comparable as a broad-based incumbent competing in Brazilian vehicle protection with greater capital and scale.
• Bradesco Seguros: Insurance arm of one of Brazil's largest banking conglomerates. Comparable as a broad-based incumbent with auto products sold through a massive captive distribution network.
• Zurich Seguros Brasil: Global insurer with a meaningful Brazilian auto and property presence. Comparable as a broad incumbent with overlapping vehicle protection and 24h assistance offerings.
• Porto Seguro: Brazil's largest auto and multi-line insurer, with extensive roadside assistance and bundled benefits. Comparable as the dominant scaled competitor in the same target market (Brazilian vehicle owners) that MMB addresses via mutual aid.
• SulAmérica Seguros: One of Brazil's largest independent insurers with auto, health, and life lines. Comparable because MMB explicitly bundles health benefits (Mais Brasil Saúde, Telesaúde) into a vehicle protection product, mirroring SulAmérica's multi-line approach.
• HDI Seguros: Brazilian auto insurer with strong direct and broker distribution. Comparable as another scaled incumbent targeting the same Brazilian vehicle-owners market with similar product features (assistance, claims).
• Azul Seguros: Major Brazilian auto insurer with strong direct-to-consumer distribution. Directly comparable as a competing provider of vehicle protection products to the same Brazilian consumer base MMB serves.
• Mapfre Seguros Brasil: Global insurer with significant Brazilian auto and assistance operations. Comparable as a large established player with overlapping roadside assistance and bundled member benefits.

Emerging players

• Justos: Brazilian insurtech using telematics-based pricing for auto insurance. Comparable as an emerging player using technology and pricing transparency to win cost-sensitive Brazilian drivers — the same segment MMB's rateio model targets.
• Suhai Seguradora: Brazilian direct-to-consumer auto insurer focused on price-sensitive drivers. Comparable as an emerging digital-first player attacking the same cost-conscious segment MMB targets, with overlap in motorcycle and high-mileage drivers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/movimentomaisbrasil
• LinkedInlinkedin.com/company/movimento-mais-brasil

Compliance3 records

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 Movimento Mais Brasil