Sales of exclusively battery-powered vehicles have grown significantly in recent months, making these models a relevant part of the Brazilian market. Although they offer benefits such as lower environmental impact, fuel economy, and high technology, the insurance price for electric cars has been a subject of questioning.
In March 2025, AutoPapo conducted a coverage comparison between electric and combustion models of similar categories. The study revealed that electric cars had an appraisal cost up to R$ 8,000 higher.
However, the situation in Brazil has evolved. Currently, electrified cars (both hybrid and electric) account for 21.1% of the national automotive market share. Specifically, 100% electric models registered 25,782 registrations in July 2026, representing a 268% increase compared to July 2025 (when 7,010 units were registered).
Given this, the AutoPapo team developed a new insurance comparison between models of different categories that use electric and combustion engines.
According to Professor José Varanda, coordinator of the Undergraduate Programs at the School of Business and Insurance (ENS), battery-powered vehicles have the same basic coverages as combustion cars, including protection against collision, fire, theft, robbery, third-party damage, and 24-hour assistance. The specialist points out that the main distinction lies in the specific characteristics of the electric vehicle, which can make certain types of repairs more expensive.
For this reason, some insurers offer additional protections aimed at electric vehicles, such as coverage for the battery, charging cable, and towing to a charging point. Thus, the cost difference is more related to the characteristics and repair cost of the insured vehicle than to the insurance itself.
The quotation simulations were done on an insurer's website, using the same personal data for new 2026 vehicles under personal use. In 2025, the Dolphin's insurance cost almost twice as much as the quoted price for the Nivus; however, in 2026, although the disparity persists, it has considerably decreased.
Despite having no direct combustion competitor, the Dolphin and Nivus models are popular rivals in Brazil in 2026 and have very close quotes.
When analyzing the quotation values, it is observed that, in several situations, the price difference between electric and combustion models was small. Examples include the comparison between the Renault Boreal and the Geely EX5 (R$ 344.10), as well as the parallel between the two versions of the Kwid (R$ 292.30), something that did not happen in 2025. Professor José Varanda explains this change by saying that, some time ago, electric cars were seen as a novelty by insurers. In this initial phase, there were fewer electric vehicles in circulation, which resulted in lower parts availability, a reduced number of specialized workshops, and little experience from insurers with claims, increasing uncertainty and, consequently, the price.
However, the specialist points out that with the increase in the volume of electric vehicles in the market and the diversification of models, more data became available for risk assessment by insurers. Thus, although electric model insurance is generally still more expensive, today it is possible to find premiums very close to the values of combustion vehicles, or even lower.
For José Varanda, the insurance cost increasingly depends on the vehicle model, the repair cost, claim experience, the insurer, and, above all, the insured's profile.
The specialist also highlights that the components of electric cars, such as the battery and electronic systems, maintain high costs, and many parts still need to be imported. Additionally, specific repairs on these vehicles require specialized labor, which can keep the insurance more expensive in certain configurations.
The coordinator of undergraduate programs at ENS concludes that the market is maturing, and the insurance cost will increasingly reflect the specific risk of each vehicle, and not just the fact that it is electric.
In the first seven months of the year, 344.1 thousand vehicles were imported, covering both light and heavy models. This volume represents a 25.7% increase compared to the same period last year. Notably, vehicles from China, mainly cars and SUVs, saw growth exceeding double, reaching 105.4%. On the other hand, Argentina, which traditionally exports to Brazil to complement the production of models between the two countries, registered a drop of 16.7%. In absolute numerical terms, from January to July, 180.5 thousand Chinese products and 101.1 thousand Argentine products were imported. Brazilian exports, however, continued to decline, showing a reduction of 20.8% over the same interval.
The accumulation of imported vehicles remains at high levels and outside historical standards. According to Anfavea, the current stock totals 360,000 units, equivalent to 142 days of sales, contrasting with the 21-day stock of domestically manufactured models. Most of these stocked vehicles belong to BYD, which utilized incentives granted by the Federal Government to carry out massive imports of electric and hybrid cars since 2022, bearing the additional costs. The Chinese brand maintains very competitive prices and is not deterred by the high basic interest rate, a factor that impacts financing.
BYD argues that the tax incentives should end in January of next year, as previously planned, and that these benefits should not be extended to new participants, whether Chinese or not, who arrived at later times. The company is correct on this point and maintains its projection of being the first in the Brazilian market in 2030 (currently holding fourth place). In parallel, the Chery Group and its various associated brands—including Omoda, Jaecoo, Icaur, Lepas, Exeed, Luxeed, Freelander, and Jetour—aim to achieve leadership in 2031. This goal is based on the projection that Brazil could absorb up to five million vehicles annually, a 70% increase compared to current levels.
Anfavea maintains optimism regarding the projected sales of light and heavy vehicles for 2026, regardless of the electoral period until October, forecasting a growth of more than 12.1% compared to 2025. This percentage surpasses the 8% estimated by Fenabrave. Regarding production, which is a pillar for employment, Brazil was the second country with the highest growth between January and July this year, reaching 8.8%, trailing only India, which grew by 14.5%. In the first seven months of 2026, even China, the world's largest market, saw its production decrease by 4%, while the United States recorded a drop of 11.7%.
Cold statistics often highlight what is intended to be emphasized, potentially pointing to pessimistic aspects, optimistic ones, or a balance between both. The term 'electrified,' for example, does not clarify that it refers to the sum of electric vehicles plus the three types of hybrids: basic or semi-hybrids, full, and plug-in. It is equally important to consider that very low comparison bases tend to hide distortions. Anfavea points out that 'a year ago, combined electric and hybrid sales did not reach 11% of sales. In the accumulated year, the growth is 120.8%. Only pure electric vehicles registered 25.8 thousand units in July, the highest number in the historical series.' Although this is true, reservations are necessary. Analyzing the distribution of light vehicle sales from January to July this year, it is observed that gasoline accounted for 2.8%; diesel for 9.3% (mainly medium pickups and some SUVs); hybrids for 5.9%; plug-in hybrid, coincidentally, also 5.9%; electric for 7.2%; and flex for 68.9%. Therefore, the 120.8% growth reflects excessively low comparison bases. There is still great potential for the growth of electric vehicles, given that they are excellent for urban use. However, this potential is lower for long trips, given that distances in Brazil hinder the installation of charging networks, except on the Presidente Dutra highway, which connects the country's two largest cities and offers access to 36 municipalities along its 402 km.
The author of the bestseller 'Rich Dad Poor Dad,' Robert Kiyosaki, is active on social media and regularly publishes viral content. Recently, he issued a serious warning regarding the situation in America and provided investment recommendations.
On the platform Twitter (now X), Kiyosaki expressed concern over the US national debt, once again pointing to gold and silver as a saving resource. He posed a question to his readers about what actions they are taking in response to this problem.
In his viral post, the author voiced anxiety about the continuous growth of America's debt, warning that the US national debt will soon reach $40 trillion. As part of this warning, Kiyosaki addressed his audience with a question about what they are doing in response to this crisis.
Signaling a major crisis, Robert Kiyosaki once again advised people to invest in precious metals. He quoted his more experienced friend, Jim Richards, who makes bold predictions about metal prices. Richards believes that the price of silver on the international market will soon reach $200 per ounce (exceeding about 19,000 rupees), and the price of gold will reach $10,000 per ounce (more than 95 lakh rupees).
Kiyosaki noted that among these two metals, he considers silver the better choice in August 2026.
In recent posts, Robert Kiyosaki has focused particularly on silver, calling it a means of achieving wealth accessible even to the poor. In his new message, he reaffirmed his confidence in silver, stating: 'Of the two precious metals, I believe silver is the better option in August 2026.'
In this viral publication, Kiyosaki also imparted an important lesson by asking users: 'What do you think... or more importantly, what are you doing? Doing is more important than talking! Take care of yourselves.' He concluded by reminding them that those who keep money in cash bear the greatest losses.
It is worth noting that the well-known writer Robert Kiyosaki frequently shares investment advice on gold, silver, or Bitcoin in his publications. His audience on the social network X is constantly growing and has now reached approximately 3 million followers.
EPL Ltd, a major manufacturer of packaging materials, forecasts further growth in July after recording a 25 percent increase in revenue in the June quarter. The company has also adjusted its near-term revenue forecast upwards to 16–18 percent while maintaining a margin forecast of 20 percent.
EPL's Global CEO, Hemant Bakshi, stated that the beauty and cosmetics business should become the primary driver of the company's future growth, although the oral care segment continues to show stable growth.
Bakshi noted that the proposed merger of EPL with Indovida, which is reported to create a large consumer packaging manufacturer with a combined valuation of approximately $2 billion, aligns perfectly with EPL's long-term strategy. He emphasized: 'We aim to become a global leader in consumer packaging focused on emerging markets. Instead of just being a supplier, we must be an innovation partner for our clients.'
EPL, formerly known as Essel Propack Ltd and now promoted by Blackstone Group through Epsilon Bidco Pte Ltd, views the beauty and cosmetics sector in the country as a second source of growth because it is one of the fastest-growing globally. Bakshi explained his strategy by saying: 'We view our business as two engines. One is our cash flow and stable growth engine, which is related to oral care. And the second growth engine, which will be driven by premiumization and market share expansion, is beauty and cosmetics.'
Although the oral care segment (toothpaste and related categories) remains a resilient business, less susceptible to inflation due to habitual daily consumption, Bakshi reported that this segment has reached maturity in both India and globally and is likely to grow at 'mid to high single-digit percentages.'
In contrast, he forecasts that the beauty and cosmetics market could grow up to 20 percent. Bakshi gave an example: 'The average woman in India consumes two or three (cosmetic) products daily, compared to women in Korea who use almost eight products a day. Thus, there will be a significant increase in per capita consumption in India over the next four to five years.'
EPL's current global market share in oral care tubes is about 35 percent, while its share in personal hygiene packaging is about 8 percent. Bakshi noted that the company's share in the personal hygiene segment is relatively low and believes its fair share should be closer to 30 percent. Even if the company does not reach this figure, doubling its share from 8 to 16 percent over the next four to five years would be a significant step.
Regarding the raw material market, Bakshi reported that the crisis in the Middle East led to an almost 100 percent increase in prices for polymer raw materials derived from petrochemical products in the June quarter. Unlike the COVID-19 pandemic period, when companies had to absorb cost inflation and lose margins, EPL was able to fully pass on the cost increases to customers this time.
Concerning the proposed merger with Indovida, Bakshi confirmed that EPL has received approval from the Competition Commission of India (CCI) and awaits approvals from stock exchanges and the SEBI market regulator, after which the process will move to the National Company Law Tribunal (NCLT). The merger is expected to be completed by the beginning of next year. According to Bakshi, Indovida demonstrated 12 percent volume growth, 25 percent revenue growth, and 62 percent EBITDA growth in the June quarter.
The merger aligns with EPL's strategy to expand beyond tubes into new packaging formats such as rigid plastics and bottles, which will give it access to new customers like Coca-Cola and PepsiCo, and strengthen its position in Southeast Asia and Africa, where Indovida has a strong presence.
EPL operates 21 manufacturing facilities in 11 countries and employs over 6,000 staff representing 23 nationalities. The company annually produces over 9 billion tubes and serves more than 1,200 clients in the oral care, beauty and cosmetics, pharmaceutical and healthcare, food and nutrition, and household chemicals sectors.
