Naked Insurance vs Stackive
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Instant insurance quotes
- Chatbot policy management
- Selfie-based activation
- Policy control and changes
- In-app claims filing
- Pause coverage to save
- Referral program
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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.
Stackive
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Ever bought something you didn't need - and only realised it later? You're not alone. Most spending isn't logical. It's emotional. Stackive helps you see the connection between how you feel and how you spend, so you can finally break the cycle. Log your daily transactions (we call them "stacks"), tag the emotion behind each one - stress, boredom, excitement, guilt - and start seeing the patterns that shape your financial habits. Stackive doesn't just show you where your money goes. It shows you why. WHAT MAKES STACKIVE DIFFERENT Most finance apps stop at numbers. Stackive goes deeper. By tracking the emotion behind every purchase, you build a personal map of your spending triggers. Over time, you'll spot the habits that cost you the most - and replace them with ones that don't. FREE FEATURES ◦ Log income, expenses, and savings in one place ◦ Tag emotional triggers on every transaction ◦ Create savings goals and track your progress ◦ Set budgets by spending category ◦ View spending grouped by emotion ◦ Guest mode - start tracking instantly, no account required ◦ Local encryption keeps your financial data private STACKIVE PREMIUM Take your insights further with a Premium subscription: ◦ Emotional Insights - See your top emotional spending patterns and how they change over time ◦ Weekly Comparison - Compare this week's spending to last week at a glance ◦ Product Reminders - Add items to a waiting list before buying, so impulse purchases get a second thought ◦ Full Analytics - Deep charts and breakdowns of your spending habits ◦ Cloud Sync - Access your data across all your devices WHO STACKIVE IS FOR ◦ Impulse spenders who want to understand their triggers ◦ Budget-conscious people looking for more than just numbers ◦ Anyone building healthier financial habits, one stack at a time PRIVACY FIRST Your financial data is encrypted locally with AES-256 and protected by biometric authentication. Stackive never connects to your bank accounts and never sells your data. Payment will be charged to your Apple ID account at confirmation of purchase. The subscription automatically renews unless it is cancelled at least 24 hours before the end of the current period. You can manage and cancel your subscriptions in your App Store account settings after purchase. Privacy Policy: https://stackive.co.za/privacy-policy Terms of Use: https://stackive.co.za/terms-of-use
Screenshots
Verdict
The clearest difference is in-app purchases: Naked Insurance at none against Stackive's 1. Stackive's advantage is update cadence (every 2 days vs fortnightly). On price, ads, device support and iOS requirement 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
Both are free to download. Stackive sells 1 in-app purchase, starting at $4.99 per year. Naked Insurance asks for nothing beyond the download.
Naked Insurance ships an update fortnightly, Stackive every 2 days. The most recent releases landed on October 16, 2026 and October 10, 2026 respectively.
| Parameter | Naked Insurance | Stackive |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (49 ratings) — better | — |
| Positive reviews | 56.4% of reviews | — |
| Number of ratings | 49 — better | — |
| Update frequency | Fortnightly | Every 2 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.5 — better | 16.0 |
| Further details — not scored | ||
| Size | 148 MB | 17 MB |
| Age rating | 4+ | 4+ |
| Developer | Naked Financial Technology (Pty) Ltd | Kino Hogan |
In-app purchases
Naked Insurance
No in-app purchases
Stackive
- Stackive Premium$4.991 Year







