Vehicle Protection and Auto Insurance: How the New Susep Rules Will Impact Your Choice in 2025

Written by Sara Aquino

Published on 30/01/2025 at 08:26

Fonte: Canva

Uma pessoa reagiu a isso.

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:

ARTICLE CONTINUES BELOW

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/

4 Comentários

Mais recente

Mais antigos Mais votado

Feedbacks

Visualizar todos comentários

Robério Assunção

#121450

01/02/2025 18:42

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

Responder

Hotton

#121251

31/01/2025 22:02

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

Responder

Corretor Santana

#121027

30/01/2025 19:28

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.

Responder

Vehicle Protection and Auto Insurance: How the New Susep Rules Will Impact Your Choice in 2025

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 Insurance: Understand The Nuances

The Future Of Vehicle Protection In Brazil

Vehicle Protection: Is It Worth It?

At just 14 years old, a boy creates a system without energy, using steel pipes buried in the ground, that irrigates seedlings with moisture from the air, to combat the water scarcity threatening reforestation in northern China.

Where there was only sand and wind at 40 degrees, China built a megacity of 500,000 inhabitants with farms, wineries, and universities in the middle of the desert using melted glacier water from hundreds of kilometers away.

At over 8,800 meters above sea level, the summit of Mount Everest is made up of rocks that originated at the bottom of an ocean about 500 million years ago and were pushed to the highest point on Earth by the collision of tectonic plates.

A couple builds a system to bring water from the spring to their land, climbs a hill with materials on their backs, and creates a simple, cheap, and sustainable solution to ensure their own water supply.

The end of total solar eclipses has a deadline: the Moon is moving away from the Earth at about 3.8 cm per year, and in approximately 600 million years, it will no longer completely cover the Sun, ending one of the rarest coincidences in the Solar System.

With 40% of all the gold on the planet buried in a single geological basin that is 2.7 billion years old in South Africa, the Witwatersrand still hides R$ 3 trillion in unreachable reserves.

In the depths of the African forest, these rare and terrifying native species dominate rivers, swamps, and treetops with venom, brute strength, lethal teeth, and behaviors that seem impossible in the heart of the wild.

The U.S. Army has introduced its first new lethal grenade since the Vietnam War: the M111 kills using pressure shock waves that bounce off walls and can explode the enemy’s lungs without producing a single shard.

Engineers are replacing pressure valves with hydraulic microturbines within drinking water networks and are generating up to 1,100 MWh per year with in-pipe hydropower technology that harnesses energy previously wasted in urban pipelines.

Elon Musk focused on Brazil and lowered the price of Starlink, his internet service, but the question remains: is it worth it? An expert provides a detailed analysis of the internet that promises to connect any part of Brazil.

Workers were performing maintenance on the sewage system when they found a 3.2-meter beam that may be part of a 1,300-year-old Viking ship buried under the pipes since the medieval period in Europe.

India announces a plan of $3.06 billion to bring aviation to forgotten regions: 100 new airports, $1.07 billion in subsidies, and regional routes guaranteed for 10 years, from 2026 to 2036, away from the centers.

Vehicle Protection and Auto Insurance: How the New Susep Rules Will Impact Your Choice in 2025

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 Insurance: Understand The Nuances

The Future Of Vehicle Protection In Brazil

Vehicle Protection: Is It Worth It?

At just 14 years old, a boy creates a system without energy, using steel pipes buried in the ground, that irrigates seedlings with moisture from the air, to combat the water scarcity threatening reforestation in northern China.

Where there was only sand and wind at 40 degrees, China built a megacity of 500,000 inhabitants with farms, wineries, and universities in the middle of the desert using melted glacier water from hundreds of kilometers away.

At over 8,800 meters above sea level, the summit of Mount Everest is made up of rocks that originated at the bottom of an ocean about 500 million years ago and were pushed to the highest point on Earth by the collision of tectonic plates.

A couple builds a system to bring water from the spring to their land, climbs a hill with materials on their backs, and creates a simple, cheap, and sustainable solution to ensure their own water supply.

The end of total solar eclipses has a deadline: the Moon is moving away from the Earth at about 3.8 cm per year, and in approximately 600 million years, it will no longer completely cover the Sun, ending one of the rarest coincidences in the Solar System.

With 40% of all the gold on the planet buried in a single geological basin that is 2.7 billion years old in South Africa, the Witwatersrand still hides R$ 3 trillion in unreachable reserves.

In the depths of the African forest, these rare and terrifying native species dominate rivers, swamps, and treetops with venom, brute strength, lethal teeth, and behaviors that seem impossible in the heart of the wild.

With a 1.3 engine, nearly 700 km of range, and Turbo 200, the Fiat model surpasses Polo, Tera HB20, and Onix, becoming the best-selling car in March; see the numbers for the Fiat Strada and others.

The Honda Fit has been discontinued for years, but the 2018 model is worth more today in the Fipe table than it cost brand new, proving that this used car, valued with a 1.5 i-VTEC engine and Magic Seat, only increases in price.

Volkswagen unveiled the 2027 Atlas with a 282-horsepower EA888 turbo engine, a 15-inch screen, massage seats, and a completely new interior to finally elevate the three-row SUV built on the MQB platform to a new level.

After decades out of the spotlight, Citroën is preparing to bring back the legendary 2CV as a low-cost electric vehicle, betting on the revival of one of the most popular cars in history and aiming to enter the race for affordable compact cars.

The 2026 electric Vitara arrives in Brazil and proves that Suzuki is not leaving: 4×4 traction, 184 hp, 61 kWh LFP battery, 293 km range, R$ 259,000, and a trunk capacity of 224 L.

The U.S. Army has introduced its first new lethal grenade since the Vietnam War: the M111 kills using pressure shock waves that bounce off walls and can explode the enemy’s lungs without producing a single shard.

Engineers are replacing pressure valves with hydraulic microturbines within drinking water networks and are generating up to 1,100 MWh per year with in-pipe hydropower technology that harnesses energy previously wasted in urban pipelines.

Elon Musk focused on Brazil and lowered the price of Starlink, his internet service, but the question remains: is it worth it? An expert provides a detailed analysis of the internet that promises to connect any part of Brazil.

Workers were performing maintenance on the sewage system when they found a 3.2-meter beam that may be part of a 1,300-year-old Viking ship buried under the pipes since the medieval period in Europe.

India announces a plan of $3.06 billion to bring aviation to forgotten regions: 100 new airports, $1.07 billion in subsidies, and regional routes guaranteed for 10 years, from 2026 to 2036, away from the centers.