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Find out how Smart Auto works
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Smart Auto was born from a partnership that aims to benefit drivers who have good driving habits. See how it works and what makes it different.

Protecting the car is very important, after all, no owner wants to suffer losses if something happens like a theft or collision.


To try to minimize these impacts, the Yellow May Campaign was created, which aims to raise awareness in society and reduce the number of accidents.

See the step by step!

That alone is not enough, which is why some drivers are already opting to hire Smart Auto to guarantee themselves and have someone to count on in difficult situations.

How Smart Auto works

Image: Getty

But, after all, what is this Smart Auto?

Smart Auto is vehicle insurance that was developed by Generali Brasil in partnership with Vivo.


It was designed to be simple and flexible and has a digital format, which facilitates access to information and hiring.

In addition, it offers benefits to policyholders that contribute to better traffic.

How does insurance work?

The insurance has 4 plan options, all of which include:

  • Reimbursement by FIPE Table
  • Franchise
  • Coverage for material damage
  • Coverage for moral damages
  • Bodily injury coverage
  • Coverage for personal and passenger injuries
  • Complete Glass Coverage
  • Backup car
  • 24-hour assistance

What will differentiate one plan from another are the compensation amounts, the services included in the 24-hour assistance service and the period for which the reserve car is available.

What coverage is available?

  • Partial Collision
  • Total loss
  • Fire
  • Theft Theft
  • Auto Glass
  • Moral and Material Damage
  • Personal Accident
  • 24 hour emergency
  • Backup car
  • Winch Trailer
  • Keychain
  • Residential Assistance (available on some plans)

What advantage does a Vivo customer have when hiring Smart Auto?

Vivo customers who contracted Smart Auto automatically get a 5% discount on the policy.

How do benefits work for drivers who drive correctly?

For those who want to make the most of Smart Auto, they can download the app that uses telemetry.


This way he is able to evaluate the driver's driving style and give him a score.

The more points you add, the greater the discount you have on insurance, which can reach 30%.

To get the discount for driving you must travel at least 400km, but an advantage is that in the first 3 months a 10% discount is guaranteed.

See what score the driver can have and the discount he can get.

0-65 66-70 71-75 76-80 81-85 86-90 91-95 96-100
0% 3% 5% 8% 12% 17% 23% 30%

Can any car model have Smart Auto insurance?

Insurance is available for different model types, however, armored vehicles are not covered.

Cars that use CNG can be accepted for insurance, but there is no coverage for the cost of the gas kit and it must be in good standing.

What is the term of the insurance?

This insurance works a little differently from others on the market, because it is valid monthly.

A new policy is generated every 30 days and cancellation can be made at any time without being charged a fine.


Can anyone who has a bonus class from another insurance company use it?

Yes. The bonus class is a score that is achieved by having insurance and not suffering claims.

This score is used to grant a discount on the insurance value and can be transferred from one insurer to another and used in Smart Auto.

What is the compensation period in the event of an accident?

After notifying the insurance company and sending all the necessary documentation, the compensation is paid within 30 days.

Did you like Smart Auto? Contact your broker for more information and prices.


Find out how Smart Auto works

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Find out how Smart Auto works


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