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Understand The Differences Between Vehicle Protection And Auto Insurance, The New Rules Of Susep In 2025 And What The Impact Of These Changes Is
Vehicle protection and auto insurance, despite seeming similar, have significant differences that affect both the way they are offered and the coverage and costs for the consumer.
With the recent regulatory change in 2025, the oversight by the Superintendência de Seguros Privados (Susep) brings a greater level of legal security for consumers.
Here are the main points you need to know about each:
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Vehicle Protection And Insurance: Understand The Nuances
Vehicle protection and auto insurance are not synonyms. The main difference between them lies in the way they operate. While insurance is offered by regulated companies, vehicle protection is generally offered by associations or cooperatives.
Differences between them include:
1-Risk Assessment: A Determining Factor
In insurance, the price of the policy varies according to several factors such as age, gender, ZIP code, and driving history of the driver. In vehicle protection, the risk assessment is simpler, which can result in more affordable prices.
2-Additional Coverages: A Differentiator
Vehicle protection offers a variety of additional coverages such as 24-hour assistance, towing service, locksmith, and even repairs for appliances. It is an interesting option for those looking for more than basic protection for the vehicle.
3-Policy vs. Contract: The Formalization of the Service
In insurance, the document that formalizes the relationship between the client and the insurer is the policy. In vehicle protection, the equivalent document is the contract.
4-Prices: Vehicle Protection Is More Economical
Generally, it is cheaper than insurance. While insurance can cost up to 4% of the vehicle’s value, vehicle protection usually charges an administration fee and a monthly rate.
5-Timing for Claims Payment: An Important Change
With Susep’s regulation, the timing for claims payment in vehicle protection will be shorter and defined, similar to insurance, which has a maximum period of 30 days.
The Future Of Vehicle Protection In Brazil
In 2025, vehicle protection in Brazil evolves with new regulations from Susep and technological advancements.
The updates allow for more flexible insurance without the need to be linked to a specific vehicle, benefiting app drivers and renters.
Additionally, consumers can customize coverages, making insurance more accessible.
The regulation of vehicle protection associations increases transparency and security for users.
The expectation is that demand for the service will significantly increase with Susep’s regulation, bringing more legal security for consumers.
Vehicle Protection: Is It Worth It?
If you are looking for a more affordable solution with additional coverages, vehicle protection can be an interesting option, especially with the new regulation.
However, it is always important to compare offers and understand the conditions of each service to ensure that you are making the most suitable choice for your situation.
The regulation also brings more security, which increases consumer confidence in this type of service.
With information from: https://canaltech.com.br/carros/5-diferencas-entre-protecao-veicular-e-seguro-automotivo/
A SUSEP obriga as Seguradora terem um lastro de pelo menos uma vez e meia de reserva de todos os Seguros que oferecem para dar uma segurança aos segurados. E as proteçoes irão ter essa obrigatoriedade por parte da SUSEP? Cuidado no golpe
Olá!! Infelizmente a matéria não revela todos os fatos inerentes às duas opções para o público. Lastro, peças, prazos, garantias, oficinas, Corretores habilitados e etc…a diferença é muito maior do que se imagina. Abraços
Acredito que seja bom a Sara Aquino procurar saber mais a respeito do que é Seguro e o que Proteção Veicular que ainda hoje é ILEGAL no Brasil até que opere se legalizar perante a Susep e para isso terá de provar solvência e outras documentações ou seja hoje ainda Fazer Proteção Veicular, Associações ou Cooperarivas é Ilegal perante a lei.