Car and home services are on the list of verticals for which Porto has the greatest growth expectations. Amid new launches in the segment, the company is seeking to expand its direct sales operations to end and non-insured customers.
One of these new features was launched last week. Porto Serviços, a company in Porto where new developments in this sector are created, launched “Porto Serviços Resolve”, a digital tool that connects customers to mechanic workshops for small and medium-sized automotive repairs.
“It’s not a simple scratch that will bring volume to this product. These are cars that have often been hit”, points out the director of Porto Serviços, Daniel Morroni. “It turns out that these repairs often have a value lower than the insurance claim. Furthermore, when the consumer uses the deductible, they lose the insurance bonus range. When they use Porto Resolve, it does not affect the bonus class at all.”
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The average ticket cost per crash, Porto calculates, is around R$2,700 and involves the exchange of a part.
Through the Porto Resolve app, customers send photos of the damage to their cars and receive a digital quote based on an initial analysis carried out by a proprietary artificial intelligence technology already used by Porto Seguro. In the second stage, the evaluation undergoes human validation. The driver then chooses the mechanic and schedules the visit.
There are some budget options: one of them, for example, based on the prices of genuine parts, purchased directly from the dealership; another for original parts, those that do not come from the dealership but follow the manufacturer’s quality standards. The expectation is that, in the future, used parts options will also be offered.
The labor cost, negotiated by Porto directly with partners, is the same for the entire region in which the client is located. The company is betting on its volume to be able to close better average conditions with the 3 thousand accredited workshops.
For now, the launch is restricted to the metropolitan region of São Paulo, ABC and the coast of São Paulo. Other regions of Brazil will be served in the second half of 2026 and have a total of 3,000 accredited workshops.
Expected growth for services
In addition to the new tool, Porto’s car services vertical is currently structured on a tripod that also includes a line of resale of used parts and another line of automotive centers dedicated to periodic maintenance.
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Named Renova, the used parts unit is the largest vehicle dismantler in Latin America with discounts of up to 70%. It is through the disassembled items sold by it that “Porto Serviços Resolve” offers lower-cost budget options.
All business lines are aligned with a strategy of bringing Porto Serviços closer to the B2C market, direct sales to consumers. “We have a very clear vision of permeating the car’s life cycle for the customer. We want to be present in every moment they have with the car”, points out Morroni.
According to the director of Porto Serviços, part of this expansion in the consumer base involves expanding the offer of services to those who are not insured by Porto. Renova, for example, sells around 90% of its parts to those who are not customers of the company, while only half of the 500,000 cars received by automotive centers are already consumers.
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Today, Porto Serviços accounts for 6% of Porto’s revenue, but the company is seen as the business unit with the greatest growth potential within the group. While Porto Seguros accounts for 49% of the company’s results, 51% comes from the combination of Health, Banking and Services.
In the first quarter of 2026, . Compared to the same period in 2025, growth was just 0.6% with a reduction in the volume of services, which Porto attributes to lower severity and changes in the mix of insurance operations.
For Morroni, there are still gaps in which Porto Serviços can come up with new solutions: “One of the plans is to possibly permeate not only the sale of used parts, but perhaps, in the future, the sale of new parts. We can provide convenience for those who have a car, as if it were a car diary to remember moments such as servicing, IPVA”.
