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With The Increase In Electric Car Sales In Brazil, Insurers Adjust Products And Offer Specific Coverage To Meet The New Demand, Including Protection For Cables And Charging Stations.
The Market For Electric Car Insurance In Brazil Is Undergoing A Major Transformation. With The Sales Of These Vehicles Rapidly Advancing, Insurers Have Been Investing In Customized Solutions To Meet The Needs Of Drivers Opting For Sustainable Mobility.
Data From The Brazilian Electric Vehicle Association (ABVE) Indicates That, Only In The First Half Of 2025, 86,849 Units Were Registered, A 9.5% Increase Compared To The Same Period Last Year.
The Impact Of Insurers Amid The Advance Of Electrics
This Significant Increase In Sales Forced Insurance Companies To Review Their Portfolios. Specific Products Have Been Developed, With Coverage That Takes Into Account Everything From High Embedded Technology To The Cost Of Replacement Parts. The Idea Is To Provide Peace Of Mind To The Consumer Without Significantly Raising The Price Of Policies.
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Bradesco Seguros: Pioneering Service For Electrics
In 2023, Bradesco Seguros Launched An Exclusive Protection Line For Electric Vehicles, Covering Models Up To R$ 1.2 Million. Among The Differentiators Is Towing To The Charging Point In Case Of Battery Failure. The Company Also Included Additional Coverage, Such As Assistance For Headlights, Windows, Mirrors — Including Armored Ones — And Lanterns.
According To Saint’Clair Lima, Product Director Of The Insurer, The Company Also Innovated By Offering Coverage For Charging Cables And Portable Chargers. In Addition, It Provides A Guide With Best Practices For Increasing Vehicle Durability, Sent Along With The Welcome Kit.
Allianz Seguros: Technology And Data For Pricing
Another Giant In The Sector, Allianz Seguros, Has Also Adapted To The New Scenario. As Explained By Fábio Morita, Executive Director Of The Company, The Insurance Value For Electric Cars Is Defined Based On Multiple Variables. Among Them Are Driver Profile, Age, Driving History, Overnight Region, And Repair Costs.
Specific Factors, Such As The Availability Of Parts And The Technical Qualification Of Workshops, Also Influence Pricing. Morita Emphasizes: “We Have Constantly Invested In Technology And Data Analysis To Keep Up With The Evolution Of Electric Vehicles. This Close Attention To The Market Allows For Pricing That Is Ever More Aligned With The Reality Of These Vehicles, Balancing Innovation And Protection.”
Differentiated Coverage For Residential Charging
Allianz Went Further And Included In Its Portfolio Coverage Aimed At Residential Charging Stations. The Protection Is Valid For Equipment Installed At The Driver’s Home, Provided They Comply With Technical Standards. This Measure Increases The Owner’s Security, Considering That A Large Part Of Charging Occurs In A Domestic Environment.
Although Electric Car Components May Seem More Expensive, Experts Point Out That The Price Of Insurance Is Not Much Different From The Values Practiced For Combustion Vehicles. According To Executives In The Sector, The Definition Of Value Follows The Same Logic: Vehicle Risks, Driver Profile, And Types Of Coverage Chosen.
Thus, The Trend Is For The Insurance Market To Follow The Growth Of Electrics, Creating Affordable Solutions While Strengthening Consumer Confidence In This New Era Of Mobility.
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