Comparison

Naked Insurance vs Pineapple

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Naked Insurance

Obtain instant insurance quotes for vehicles, homes, or individual items within 90 seconds. Manage your policy, make changes, and file claims easily through the app's chatbot interface. Activate cover with a selfie and optional video/photos, and pause coverage when not in use to save money.

Highlights
  • Instant insurance quotes
  • Chatbot policy management
  • Selfie-based activation
  • Policy control and changes
  • In-app claims filing
  • Pause coverage to save
  • Referral program
Read full description

Naked is car, home, single item and pet insurance, run from an app and built to put you in control. Rose, our quote bot, asks a few quick questions about what you want to cover and 90 seconds later you've got a final price. Like it? Buy on the spot, get covered instantly and send your cover confirmation to your finance provider straight away. Need to claim? Do it straight from your phone. Everything is done in the app, any time, any day or night. A BIT MORE ABOUT NAKED - A final quote in 90 seconds, right here, right now. - Trusted by hundreds of thousands of South Africans - Accepted by all major banks - Underwritten by Hollard - Save up to 50% on your car premium when you're parked, with CoverPauseⓇ WHY NAKED - Cover for all your things: car, home contents, buildings, single items and pets, all in one app - Everything in the app: quote, buy, tweak your cover, download your confirmation of cover, or claim. No paperwork, no queues, no waiting for office hours. - A final quote in 90 seconds: Rose, our quote bot, does the heavy lifting. You get a price, not a range. Buy on the spot if you like it. - Great prices, thanks to smart tech: we've built Naked to run leaner than traditional insurers. Less admin, fewer overheads and those savings go straight into your premium. - You're in charge: set your basic excess upfront (flat, so no nasty surprises later), add car hire or credit shortfall, download your confirmation of cover, cancel any time. All in the app, in a few taps. - Faster claims, thanks to smart tech: chat to Jade, our claims bot, tell him what happened and let the app do the heavy lifting. Straightforward claims like a windscreen chip can be approved in minutes. When it's not straightforward, our team steps in. - An amazing team when you need them: if you'd rather talk to a person, our team is a message away and our 24/7 emergency line has you covered if you ever need help - The Naked Difference: we set aside most of what you pay to cover claims and take a set portion to run the business. Whatever's left at year end goes to a cause you choose, at no cost to you. Pick your cause in the app. Loving Naked? Grab your unique referral link in the app and earn up to R1,000 for every friend you bring along. THE LEGAL STUFF Naked Financial Technology Pty Ltd is an authorised Financial Services Provider (FSP 48822). Policies are underwritten by Hollard Specialist Insurance Limited, a Licensed Non-Life insurer and authorised Financial Services Provider (FSP 25511). Made it all the way down here? You'll fit right in. Get Naked.

About

Pineapple

Insure your car, electronics, jewelry, and more with instant, fair, and rewarding coverage. Features include free crash detection, roadside assistance, and rewards for completing challenges. Earn money back based on claims made by the community.

Highlights
  • Instant insurance for vehicles and personal items
  • Free automatic crash detection
  • 24H emergency roadside assistance
  • Rewards program with vouchers
  • Community-driven claims payout
  • Video car self-inspection
Features
Read full description

AIM. SNAP. INSURE. You name it, we insure it and FAST - Whether it’s your 4x4, 2x4, Bakkie or Hatch, we’ve got you! Oh, and... phones, laptops, cameras, drones, headphones, gaming consoles, bicycles, jewellery and MORE! Pineapple is instant, fair and rewarding. Our app is powered by tech, driven by the community and backed by OMART Insure Limited, a member of the Old Mutual Group, one of the most established and trusted financial services companies in the game. *NEW* - Free automatic crash-detection feature in-app for all SA app users, whether you insure with us or not. _______________ PINEAPPLE ON YOUR CAR 100% covered for theft, hail, fire, accidental damage, damage to others and fire Free 24H Emergency roadside assistance at the tap of a button Free 24H Dead-battery and No-Fuel assistance Trauma Counseling Video car self-inspection, in-app Get your policy schedule and confirmation of cover in seconds 30% of your premium back for driving under 300kms P/M Premiums starting from R380.00 P/M _______________ PINEAPPLE ON YOUR STUFF 100% covered for theft, fire, water, impact, accidental loss and power surges Phones, Laptops & Tablets from R20.00 P/M Camera & Gaming Gear from R11.00 P/M Bicycles & Sporting Equipment from R14.00 P/M Drones & Smart Wearables from R20.00 P/M Jewellery & Watches from R5.00 P/M Music Instruments & Equipment from R10.00 P/M Home Electronics & Furniture from R11.00 P/M _______________ REWARDS Uber, Netflix, Takealot, Superbalist and MORE Complete in-app challenges for points! Points redeemable for vouchers _______________ 12-MONTH-BONUS-PAYOUT How it works: All premium paid goes into a communal pot The money in the pot is used to pay claims Little to no claims = leftover money Leftover money = CHA-CHING money BACK, in points Bonus Payout tracking in-app COMING SOON! _______________ LIVE COMMUNITY FEED FEATURE See how many people your premium has helped See what the community is insuring See what the community has claimed for Engage and interact with fun community facts & stats _______________ AUTO CRASH DETECT FEATURE SA’s first FREE, in-app car crash detection feature for policyholders AND non-policyholders No car installations needed, just the Pineapple app: Sign-up in-app Select your emergency contacts In an accident? Your emergency contacts WILL be alerted _______________ CHECK US OUT HERE facebook.com/pineapple instagram.com/pineapple_sa twitter.com/Pineapple_SA https://www.pineapple.co.za/ Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. Premium is risk profile dependent. T&C’s apply.

Screenshots

Naked Insurance4 screens
Pineapple4 screens

Verdict

The call

The clearest difference is review sentiment: Pineapple at 100% against Naked Insurance's 56%. Pineapple also leads on rating (5.0 vs 4.6) and monetization model (free vs free with in-app purchases). Naked Insurance's advantage is ads (none vs shown) and ratings volume (50 vs 2). On price, update cadence, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Pineapple holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Naked Insurance has 50 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 56% of Naked Insurance's written reviews are positive against 100% of Pineapple's.

UpkeepUpdate frequency

Naked Insurance ships an update fortnightly, Pineapple every 2 weeks. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.

Scorecard5 real differences · 5 level
Naked Insurance versus Pineapple: the parameters behind the verdict, then further details
ParameterNaked InsurancePineapple
PriceFreeFree
Rating4.6 (50 ratings)5.0 (2 ratings) — better
Positive reviews56.4% of reviews100.0% of reviews — better
Number of ratings50 — better2
Update frequencyFortnightly — betterEvery 2 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.515.1 — better
Further details — not scored
Size148 MB105 MB
Age rating4+4+
DeveloperNaked Financial Technology (Pty) LtdPineapple Tech (PTY) Ltd

Customer experience

Naked Insurance

All ratings49 ratings
Positive89.8%
Neutral2.0%
Negative8.2%
Written reviews55 reviews
Positive56.4%
Neutral5.5%
Negative38.2%

Pineapple

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Naked Insurance

No in-app purchases

None

Pineapple

No in-app purchases

Questions

Is Naked Insurance free?
Naked Insurance is free to download, with no in-app purchases.
Is Pineapple free?
Pineapple is free to download, with no in-app purchases.
Which has better reviews, Naked Insurance or Pineapple?
Pineapple is rated higher. Naked Insurance averages 4.6 out of 5 from 50 ratings, while Pineapple averages 5.0 from 2 ratings.
Do Naked Insurance or Pineapple have ads?
Pineapple shows ads; Naked Insurance does not.
Which is updated more often, Naked Insurance or Pineapple?
Naked Insurance ships an update fortnightly, and Pineapple every 2 weeks. Most recently, Naked Insurance was updated on November 6, 2026 and Pineapple on November 2, 2026.

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