Movim Seguros

What Movim Seguros does

Movim Seguros is a Brazilian digital insurtech founded in 2018 and headquartered in Curitiba, Paraná, that distributes auto insurance as a 100% digital, monthly subscription product to drivers underserved by the traditional Brazilian insurance market. The company operates as an insurance representative — its policies are underwritten by BP Seguradora SA (SUSEP code 0154-6) — and earns commission on distributed premium rather than bearing underwriting risk on its own balance sheet. Its core product, Movim Seguro Auto, covers vehicles up to 30 years old and valued up to R$150,000, with ten modular add-on coverages (fire, total loss, flooding, third-party damage, theft, collision, passenger medical, loaner car, glass protection, and 24-hour assistance).

The customer onboarding flow is fully digital: quote is requested via website or WhatsApp, a remote online vehicle survey is completed in under 10 minutes via a link-based photo submission, payment is processed via PIX, credit card or boleto, and the policy activates immediately upon payment confirmation. There is no loyalty period — customers may cancel at any time. Distribution is exclusively direct-to-consumer with no physical branches or intermediaries; marketing relies on an educational blog covering CNH procedures, accident response, and vehicle-buying guides, plus WhatsApp and social media channels under the @movimseguros handle.

The company targets four primary customer segments that mainstream Brazilian auto insurers typically reject or price punitively: drivers holding a provisional CNH, owners of older or modified vehicles, app-based ride-hailing drivers (Uber, 99, etc.) needing CNH activity annotation, and budget-conscious students. A Black Movim promotional campaign (first month at R$30 via PIX) was launched for new contracts through November 29, 2025. Operationally the firm is small — approximately 10-13 employees across commercial, administrative, financial, marketing, claims, and inspection roles — and has raised no disclosed external funding.

Name

Movim Seguros

Legal name

Movim

Website

https://movimseguros.com.br

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Movim Seguros is a Brazilian digital insurtech, founded in 2018 in Curitiba, that distributes auto insurance as a 100% digital monthly subscription underwritten by BP Seguradora SA, targeting drivers underserved by traditional carriers — provisional CNH holders, owners of older or modified vehicles, and app-based ride-hailing drivers.

Ownership category

akta.pro rank

Product category

Auto Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412)

akta.pro primary industry

Non-Standard / High-Risk Personal Auto Insurance (FSAJAAAD)

akta.pro secondary industries

Rideshare (TNC) Personal Auto Insurance (FSAJAAAI), Personal Auto Insurance (FSAJAMAA)

Keywords

• Auto insurance
• Digital insurance platform
• Monthly insurance subscription
• Vehicle coverage plans
• Insurtech distribution

Headquarters

HQ city

Curitiba

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Auto Insurance Premiums: Monthly subscription-based auto insurance paid via credit card, PIX, or boleto. No annual commitment with cancellation allowed at any time without fidelity period. First month promotional pricing at R$30 during special campaigns.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Movim distributes Movim Seguro Auto, a 100% digital Brazilian auto insurance policy sold as a monthly subscription with no loyalty period, customizable coverage modules, and an online photo-based vehicle survey that activates coverage immediately upon payment. The product is underwritten by BP Seguradora SA and administered by Movim as a digital insurance representative regulated by SUSEP (code 0154-6).

Product overview

Movim Seguros is a digital insurtech company offering Movim Seguro Auto, a car insurance product distributed as a 100% digital monthly subscription model. The core product is supplemented by multiple optional coverage modules including: 24-hour emergency assistance (free), fire coverage, total loss coverage, flooding and natural events coverage, third-party damage coverage, theft and robbery coverage, collision and partial damage coverage, passenger medical insurance, loaner car service, and glass protection. The insurance is underwritten by BP Seguradora SA and regulated by SUSEP, covering vehicles up to 30 years old and valued up to R$150,000.

Differentiator

Problem solved

Functional benefit

Products and services

• Movim Seguro Auto Digital auto insurance product offering customizable coverage plans with monthly subscription-based payments, 100% digital onboarding, no loyalty period, and immediate policy activation upon payment. Designed for individual Brazilian drivers, including provisional CNH holders, owners of vehicles up to 30 years old, and app-based ride-hailing drivers.
• Black Movim (Promotional subscription plan) Promotional entry-level subscription to Movim Seguro Auto priced at R$30 for the first month (R$1/day) when paid via PIX, targeting new customer acquisition during the Black Movim campaign.

Quantifiable outcome

• Survey completion in under 10 minutes
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• BP Seguradora SAcoreOthersBP Seguradora SA is the underlying insurer providing the insurance guarantees for Movim's auto insurance products. Movim acts as a digital insurance representative, distributing products underwritten by BP Seguradora. SUSEP registration code 0154-6. CASCO: PROCESSO SUSEP Nº 15414.658750/2024-66; RCF: PROCESSO SUSEP Nº15414.626268/2023-86; APP: PROCESSO SUSEP Nº 15414.622595/2023-69.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Liberty Seguros: Brazilian insurance carrier offering auto insurance and other lines. Comparable product category, operating as a traditional incumbent carrier with broader portfolio.
• HDI Seguros: Brazilian auto insurance carrier with significant market share. Direct product overlap with Movim though operating as a traditional carrier rather than digital-only distributor.
• Azul Seguros: Brazilian auto insurance carrier serving consumer and commercial segments. Operates in the same product category as Movim with stronger brand recognition but traditional distribution model.
• Porto Seguro: Largest Brazilian auto and home insurance carrier with broad product portfolio. Direct overlap with Movim's auto insurance category but with traditional distribution and full underwriting capacity.
• SulAmérica Seguros: Major Brazilian insurance carrier with auto insurance among its product lines. Comparable product category but operates as a full-stack carrier with broader portfolio.
• Tokio Marine Seguradora: Brazilian subsidiary of global insurer offering auto insurance products. Comparable in auto insurance category but as a global incumbent with traditional distribution.

Direct peers

• Justos: Brazilian digital auto insurance insurtech using a monthly subscription model. Closely comparable to Movim in product category, customer base (Brazilian drivers), and digital-first distribution approach.
• 180 Seguros: Brazilian digital auto insurance startup offering 100% digital policy issuance. Competes directly with Movim in the online auto insurance distribution space targeting Brazilian consumers.
• Akko Seguros: Brazilian insurtech focused on digital auto insurance products. Direct competitor in the online auto insurance market with similar subscription-based offerings.

Emerging players

• Pier: Brazilian insurance-focused fintech expanding into auto insurance. Comparable as a digital distribution channel for insurance products targeting Brazilian consumers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/movim-seguro-auto

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Movim Seguros