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Brazil Car Theft and Insurance

  • Published:
  • SBD

Brazil has one of the highest theft rates in the world. Due to the high levels of theft, car insurance that provides theft coverage can be very expensive and is a significant cost of ownership consideration for Brazilians. However, sales of new passenger cars in Brazil show no signs of slowing. New car sales have increased year on year since 2002 and are at almost twice the level they were just five years ago. To understand these contrasting trends it is essential to get an in-depth understanding of the Brazil market.

SBD's report ‘Brazil - Car Theft & Insurance’ gives a comprehensive guide to the market situation in Brazil and summarises the status of vehicle theft in the country. The reasons for theft, methods and theft reduction initiatives are discussed and the main requirements outlined by the CONTRAN Regulation 245 are analysed.

This report also takes a detailed look at how the insurance system works and the different types of insurance policies that are available. The requirements used by the insurance industry to assess damage and repairability and vehicle security are also examined.

This report will help you:

  • Analyse the main reasons behind car theft in Brazil and the measures taken to reduce it;
  • Discover which cars are most at risk of being stolen and what happens to the cars that are stolen;
  • Understand how car insurance premiums are calculated including vehicle specific and driver specific factors;
  • Learn how damage and repairability assessments are conducted and how car security ratings are calculated.

Recycling of Spare Parts is a Thriving Industry ...

Brazil is a fast emerging market in the developing world. As a part of the BRIC group of countries, Brazil's economy has seen sustained growth; overtaking the UK at the end of 2011 to become the 6th largest economy in the world.

Unfortunately, Brazil suffers from a high rate of car theft. Although theft rates suggest that the situation is improving, the truth is that the increased wealth in the country and subsequent increase in car parc has resulted in statistics that do not portray the real situation.

Passenger Car Theft Rate Comparison (2010) - per 10,000 cars

Vehicles are stolen predominantly for three purposes:

  • To be disassembled and their parts used to supply the black-market;
  • To be used in other organised crime (e.g. drug / arms trafficking and robberies);
  • To be sold for cash for personal funds.

Immobilisers are fitted as standard to the majority of cars and are a very effective form of theft prevention where the thief does not have access to the keys of the vehicle. This has resulted in thieves taking a different approach to obtaining cars; car-jacking.

The government in Brazil has decided that the emphasis needs to be on the detection of stolen vehicles as opposed to trying to prevent theft in the first place. This has resulted in the Contran 245 legislation being introduced. This is the mandatory fitment of tracking devices to all vehicles sold in the country. The devices would be fitted by the vehicle manufacturers either during production or retrofitted once the vehicle is imported into Brazil.

About the Report Authors

Shawn Genus (Project Manager - Consulting Division).

Shawn has 10 years experience of working with Automotive OEMs and Tier 1 suppliers as a Project Manager specialising in production processes. He spent one year as part of a team establishing a production facility in China to produce automotive cables. He has a degree in Manufacturing Systems Engineering and will be bringing his knowledge of turning designs into products to the Consultancy Division of SBD.

Paul Burnley (Secure Car Expert - Consulting Division).

Paul graduated from the University of Surrey with a Masters degree in Electrical and Electronic Engineering. He has worked with a number of leading suppliers developing cutting-edge automotive electronics. His strong technical background makes him an expert in investigating the operation of in-car electronics. The more in-depth projects Paul has led at SBD include development of proprietary relay attack tools and countermeasure workshops and studying emerging trends in electronic theft and automotive hacking.

IMPORTANT CONFIDENTIALITY NOTICE:

** Due to the confidential nature of the report content, your request to purchase SBD's security reports will be vetted by SBD's security team, prior to any sale agreement. **

Table of Contents

1. summary1. Executive summary

  • 1.1. Introduction
  • 1.1. Introduction
  • 1.2. Conclusions
  • 1.2. Main Conclusions
  • 1.3. Overview
  • 1.3. General Market Overview

2. Market Analysis

  • 2.1. Situation
  • 2.1. Market Situation
  • 2.2. Share
  • 2.2. Market Share

3. Overview

  • 3. Theft Overview
  • 3.1. Theft
  • 3.1. Overall Theft
  • 3.2. Reasons for Vehicle Theft
  • 3.3. Methods
  • 3.3. Theft Methods
  • 3.4. Initiatives
  • 3.4. Theft Reduction Initiatives
  • 3.5. Situation
  • 3.5. Legislative Situation

4. Situation

  • 4. Insurance Situation
  • 4.1. Overview
  • 4.1. Motor Insurance Overview
  • 4.2. System
  • 4.2. Motor Insurance System
  • 4.3. Damage and Repairability Require-mentsments
  • 4.4. Requirements
  • 4.4. Security Requirements
  • 4.5. Fitment
  • 4.5. Benefits for Security Fitment
  • 4.6. Considerations
  • 4.6. Additional Insurance Considerations

5. Requirements

  • 5. Vehicle Security Requirements
  • 5.1. Entry
  • 5.1. Entry
    • 5.1.1. Door
    • 5.1.1. Lock Support in Door
    • 5.1.2. Shielding
    • 5.1.2. Lock Shielding
    • 5.1.3. Release
    • 5.1.3. Door Lock Inner Release
  • 5.2. Ignition
  • 5.2. Ignition
    • 5.2.1. Access
    • 5.2.1. Tool Access
    • 5.2.2. Resistance
    • 5.2.2. Tool Impact Resistance
  • 5.3. Electronics
  • 5.3. Electronics
    • 5.3.1. Immobilisers
    • 5.3.1. Immobilisers
    • 5.3.2. System
    • 5.3.2. Alarm or Vehicle Tracking System
  • 5.4. Requirements
  • 5.4. Other Requirements
    • 5.4.1. Identification
    • 5.4.1. Vehicle Identification
    • 5.4.2. Miscellaneous
    • 5.4.2. Miscellaneous
    • 5.4.3. System
    • 5.4.3. Stereo System

LIST OF FIGURES

  • Fig. 1: Global Car Theft Rate Comparison (2010)
  • Fig. Brazil
  • Fig. 2: Map of Brazil
  • Fig. Parc
  • Fig. 3: Brazil Passenger Car and LCV Parc
  • Fig. 2010
  • Fig. 4: Passenger Car Sales 2000 to 2010
  • Fig. 5: Market Share by Brand (2011)
  • Fig. mid
  • Fig. 6: Top 10 Cars Sold in Brazil (January to mid-- November 2011)
  • Fig. 7: Number of Vehicles Stolen and Theft Rate (2000 to 2010)
  • Fig. 8: Passenger Car Theft Rate Comparison (2010)
  • Fig. 9: Theft Breakdown by Region (2010)
  • Fig. 10: Top 10 Stolen Vehicles Theft Rate (2011)
  • Fig. Countries
  • Fig. 11: High Brazilian Car Price vs Neighbouring Countries
  • Fig. Requirements
  • Fig. 12: Summary of CONTRAN Regulation 245 Requirements
  • Fig. 13: Top 10 Motor Insurers in Brazil (by 2010 Revenue)
  • Fig. Rates
  • Fig. 14: 2011 DPVAT Rates
  • Fig. Premiums
  • Fig. 15: Factors Used to Calculate Insurance Premiums
  • Fig. Tests
  • Fig. 16: Standard Low Speed Crash Tests
  • Fig. 17: CAR Group Ratings - - Best ModelsBest Performing Models
  • Fig. Weighting
  • Fig. 18: Security Rating Weighting
  • Fig. Fitment
  • Fig. 19: Customer Benefit for Security System Fitment
  • Fig. Graph
  • Fig. 20: CESVI Brazil Visibility Assessment Graph
  • Fig. Ratings
  • Fig. 21: Safety Ratings
  • Fig. Overview
  • Fig. 22: CESVI Brazil Security Evaluation Overview
  • Fig. Requirements
  • Fig. 23: Lock Support in Door Requirements
  • Fig. Requirements
  • Fig. 24: Lock Shielding Requirements
  • Fig. Requirements
  • Fig. 25: Door Lock Inner Release Requirements
  • Fig. Requirements
  • Fig. 26: Tool Access Requirements
  • Fig. Requirements
  • Fig. 27: Tool Impact Resistance Requirements
  • Fig. Requirements
  • Fig. 28: Immobiliser Requirements
  • Fig. Requirements
  • Fig. 29: Alarm System Requirements
  • Fig. Requirements
  • Fig. 30: Vehicle Tracking System Requirements
  • Fig. Requirements
  • Fig. 31: Vehicle Identification Requirements
  • Fig. Requirements
  • Fig. 32: Miscellaneous Security Requirements
  • Fig. Requirements
  • Fig. 33: Stereo System Requirements
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