# Thinkseg

> Pay\-per\-use insurance platform for Brazilian drivers and households

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | LATAM |
| Headquarters | Sao Paulo, Brazil |
| Founded | 2016 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Seed |

## Overview

Thinkseg is a usage-based insurance platform founded in 2016 in Brazil that provides pay-per-use auto, motorcycle, life, and residential insurance products to consumers via a mobile-first digital experience. The company applies telematics and artificial intelligence to measure driving behavior and calculate variable pricing based on actual kilometers driven.

The platform combines a fixed monthly subscription fee with a variable component tied to vehicle usage and driver behavior scores. For infrequent drivers, this model can result in premiums up to 50% lower than traditional annual policies. Thinkseg also distributes a portfolio of guarantee insurance products -- including judicial, performance, financial, and bidding guarantees -- through its group operations.

Thinkseg holds a notable partnership with Generali Italy, established in 2019, through which it distributes its pay-per-use auto insurance via Generali channels using a subscription model. The company was recognized in 2017 as one of the 100 most innovative insurtechs globally by FinTech Global, one of only two Brazilian companies on that list, and is planning a direct listing on a U.S. stock exchange in 2026.

## Products & services

### Auto Insurance \(Pay Per Use\)

Telematics-based pay-per-use car insurance billed monthly, with a fixed subscription component (averaging BRL 94/month) plus a variable charge based on kilometers driven and driver behavior.

**Key features:**

- Telematics tracking of distance and driving behavior
- Monthly variable billing \-\- no annual policy lock\-in
- Claims management through mobile app
- Up to 50% savings for low\-mileage drivers

*Target users:* Brazilian personal auto insurance consumers

### Motorcycle Insurance

Pay-per-use motorcycle insurance using the same telematics-based pricing model as auto, with flexible monthly billing.

**Key features:**

- Usage\-based pricing
- Mobile claims filing
- Monthly subscription model

*Target users:* Motorcycle owners in Brazil

### Life Insurance

Digital life insurance products available through the Thinkseg mobile platform with customizable coverage options.

*Target users:* Brazilian consumers seeking digital\-first life coverage

### Residential Insurance

Customizable home insurance products available through the mobile platform.

*Target users:* Brazilian homeowners and renters

### Guarantee Insurance \(Thinkseg Group\)

A portfolio of guarantee insurance products covering judicial, exchange, performance, financial, bidding, and payment advancement scenarios.

*Target users:* Brazilian businesses requiring surety and guarantee coverage

## Category & focus

- Subcategories: Usage\-Based Insurance, Digital Insurance, Telematics
- Insurance verticals: P&C Personal, Life & Annuity
- Target customers: Consumers

## Notable customers

- Generali \(Italy\) \-\- exclusive distribution partner for subscription\-based auto insurance in Brazil \(since 2019\)

## Links

- Website: <https://thinkseg.com>
- Directory profile: <https://insurtechlist.com/companies/thinkseg/>
- Linkedin: <https://www.linkedin.com/company/thinkseg>
- Mobile app: <https://play.google.com/store/apps/details?id=com.thinkseg>

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*Last updated: 2026\-06\-22*