Nobre Proteção Veicular

What Nobre Proteção Veicular does

Nobre Proteção Veicular, legally known as NOBRE CLUBE DE BENEFÍCIOS (CNPJ 27.038.530/0001-85), is a private, nonprofit vehicle protection association founded in 2017 in Belo Horizonte, Minas Gerais, Brazil. The company operates under the Brazilian Civil Code as an association registered with SUSEP (Superintendência de Seguros Privados), providing vehicle protection through a cooperative cost-sharing (rateio) model rather than as a traditional insurance company. Members contribute monthly fees based on vehicle FIPE value to collectively cover losses from collision, theft, robbery, natural disasters, and total loss events. The association serves individual vehicle owners as the primary segment, with additional offerings for commercial vehicles, app-based transportation drivers, and financed vehicle owners.

The company's core technology infrastructure includes two proprietary mobile applications: Nobre Clube (member management with boleto access, real-time notifications, and payment history) and TrackerNet (real-time vehicle tracking with route history and suspicious movement alerts). All memberships include a tracker device (purchased or via comodato), with a 24-hour national assistance line and replacement vehicle benefit (up to 30 days) as optional add-ons. The association operates 6 physical branches across Minas Gerais and Espírito Santo, with a seventh location announced in Serra-ES.

Revenue is generated through four streams: recurring monthly membership fees, optional add-on services (car rental, extended glass coverage, legal assistance), tracker equipment sales and installation, and one-time participation fees (4-10% of FIPE value) applied at claims. Pricing is quote-based and personalized via WhatsApp or phone — no public self-service pricing exists. The go-to-market motion is sales-led, relying on direct contact channels and physical branch presence rather than digital self-service acquisition. With approximately 45 employees, the association maintains a 4.9-star Google rating across ~1,800 customer reviews, reflecting strong operational reputation within its regional market.

Name

Nobre Proteção Veicular

Legal name

NOBRE CLUBE DE BENEFÍCIOS

Website

https://nobreprotecaoveicular.com.br

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Nobre Proteção Veicular is a SUSEP-registered Brazilian vehicle protection association operating a cooperative cost-sharing (rateio) model across 6 branches in Minas Gerais and Espírito Santo, serving individual vehicle owners and commercial drivers with subscription-based protection plans and included GPS tracking.

Ownership category

akta.pro rank

Product category

Vehicle Protection Services

NAICS

Direct Property and Casualty Insurance Carriers (524126), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128), Insurance Carriers and Related Activities (524)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro industry

PRIMARYFSAJAAAF

Full-Coverage Personal Auto Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Personal Auto Insurance

SECONDARYFSAJALAC

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

Financial & Insurance/Insurance — Motor, Property & Casualty/Warranty & Service Contract / Mechanical Breakdown Insurance

Keywords

• Vehicle protection services
• Auto protection association
• Roadside assistance services
• Vehicle tracking monitoring
• Cooperative cost sharing

Headquarters

HQ city

Belo Horizonte

HQ country

Brazil

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Membership Fees (Rateio): Monthly cost-sharing contributions from members based on vehicle value. The association operates on a cooperative rateio system where all members contribute to cover losses from accidents, theft, and other covered events. Membership fees are adjusted according to the board's decisions and cover administrative expenses, operational costs, and assistance services.
2. Special Benefits (Additional Services): Optional additional benefits including car rental, extended glass coverage, legal assistance, and other special services contracted separately with additional monthly fees.
3. Tracker Equipment and Installation: Members purchase or receive via comodato (loan) the tracking device, with installation costs borne by the member. Monthly monitoring is included in membership fees.
4. Participation Fee (Cota de Participação): One-time participation fee paid when activating coverage or making a claim, calculated as percentage of vehicle FIPE value (4-10% depending on vehicle type).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Nobre Proteção Veicular is a SUSEP-registered vehicle protection association that sells monthly membership-based protection plans for cars and motorcycles through a cooperative cost-sharing (rateio) model. Members receive coverage for collision, theft, robbery, natural phenomena, total loss, and third-party damage, together with 24-hour nationwide roadside assistance, an included vehicle tracker, and optional add-on benefits such as replacement car rental, extended glass coverage, and legal assistance.

Product overview

Nobre Proteção Veicular operates as a vehicle protection association offering a comprehensive suite of products through its core mobile apps and protection plans. The main offerings include: Nobre Clube app for associate management and invoice handling, TrackerNet for real-time vehicle tracking and monitoring, and vehicle protection plans for cars and motorcycles covering theft, robbery, collision, natural phenomena, and total loss. Additional services include 24-hour roadside assistance, replacement vehicle benefit (carro reserva), and included tracking device. The association functions as a cooperative cost-sharing model where members contribute monthly fees that cover damages and losses across the member base.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Coverage begins 48 hours after signature and payment of membership and inspection fees
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 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.

• Approved Workshops (Oficinas Homologadas)coreOthersNobre Proteção Veicular maintains a network of pre-approved and accredited workshops for vehicle repairs. Repairs are conducted in company-owned workshops or partner workshops. The company reserves exclusive discretion over workshop selection based on service quality and availability. Members cannot demand repairs at authorized brand dealerships.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Emerging players

• 180 Seguros: Brazilian insurtech offering simplified, digital-first auto insurance with streamlined onboarding — directly attacking the same pain points (slow profile analysis, friction) that Nobre's no-profile-analysis cooperative model is built around. Emerging digital-native competitor.

Broad incumbents

• Porto Seguro: Brazil's largest P&C insurance carrier offering auto, home, and life products through a multi-brand portfolio. Competes with Nobre across the full-coverage personal auto segment but as a regulated insurer with reinsurance and full capitalization.
• Azul Seguros: Major Brazilian auto insurance carrier (formerly named after its parent, now under the Azul brand) offering comprehensive personal auto coverage. Represents the traditional-insurance alternative that proteção veicular associations like Nobre position against on price and onboarding speed.
• Tokio Marine Seguradora: Brazilian subsidiary of Tokio Marine, one of the largest auto insurers in Brazil with full capitalization and reinsurance. Competes with Nobre for the same personal vehicle protection customer but as a regulated carrier with formal underwriting.
• HDI Seguros: Major Brazilian P&C insurance carrier offering personal auto and commercial coverage with broker and direct distribution. Relevant incumbent competing for Nobre's target customers across personal auto and commercial fleet segments.

Direct peers

• DVN Proteção Veicular: Regional Brazilian vehicle protection association operating on the same cooperative rateio model as Nobre, providing coverage for cars and motorcycles with included assistance services. Direct peer in the unprotected-insurer category.
• Zelas Proteção Veicular: Brazilian vehicle protection association using a cooperative cost-sharing model similar to Nobre, with member-funded coverage for collision, theft, and assistance. Competes in the same 'proteção veicular' category targeting individual vehicle owners seeking alternatives to traditional insurance.
• Anjos Proteção Veicular: Brazilian vehicle protection association offering cooperative monthly-rateio coverage for personal vehicles, with similar target customer profile (cost-conscious vehicle owners avoiding traditional insurer profile analysis) to Nobre.
• Tranquilo Proteção Veicular: Brazilian vehicle protection association providing monthly cooperative coverage with included tracking and 24h assistance, paralleling Nobre's product bundle and target customer segment of individual vehicle owners in regional markets.
• Dotum Proteção Veicular: One of the largest 'associação de proteção veicular' operators in Brazil, offering cooperative vehicle protection through monthly rateio contributions. Most directly comparable to Nobre in product structure, member-funded model, and multi-state branch strategy.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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

Compliance1 record

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 Nobre Proteção Veicular