Comparison

OUTsurance vs STBB Direct

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

Head to head
About

OUTsurance

Manage your insurance policies, get emergency assistance, and make claims easily. Start new quotes, buy funeral plans, and track your claims 24/7. Refer friends for discounts and join a smart driving program for premium savings.

Highlights
  • Manage insurance policies
  • Start new insurance quotes
  • Submit and track claims
  • Request emergency assistance
  • Refer friends for discounts
  • Join SmartDrive program
Read full description

There’s only one way to get the most OUT of your insurance. And that’s with the OUTsurance app. Whether it’s managing your policy, helping you in an emergency, making claims easy, or even getting discounts when you successfully refer a friend, it’s all doable wherever you are, 24/7. Top features: • Start quotes for car, home contents, buildings, life and business insurance products. • Buy a funeral plan or OUTthere on-demand life cover in a few taps. • Add a new valuable to your existing policy. • View your policy details and OUTbonus amount with the respective due date. • Refer friends and family and get R1000 off our premium for every successful referral. • Register for our SmartDrive programme and receive up to 10% discount on your premium. • Request emergency assistance for your car and your home, 24/7. • Add a contact person to your policy and edit your own contact details. • Request changes to your current policies. • Request documents, such as confirmation of cover and policy schedules. • Update your vehicle registration details. • Complete a windscreen and geyser claim in record time. • Submit a claim for your products. • Track your entire claims process.

About

STBB Direct

This free finance app helps users calculate property sale and purchase costs, including transfer and bond fees, agent commissions, and capital gains tax. It also allows real estate agents to track deal progress, receive milestone notifications, and access deal details and documents on their mobile devices.

Highlights
  • Property cost calculations
  • Transfer and bond cost calculator
  • Bond repayment calculator
  • Agent commission calculator
  • Capital Gains Tax calculator
  • Deal progress tracking for agents
  • Milestone notifications
Features
Read full description

The STBB Direct application is the perfect tool to do cost calculations on the go. It’s free, and anyone can use it to do a variety of calculations relating to the sale or purchase of a property. It also allows users to share the calculations directly from the application with a buyer, seller or other third party. The following calculators are available - Transfer and bond cost - Bond repayment - Agent commission - Capital Gains Tax As an added bonus, estate agents with deals at STBB are now able to track the progress of their deals on their mobile devices. Notifications can even be set up for pre-selected milestones in the process. An estate agent will also be able to pull the ever so popular STBB progress reports directly from the device with the tap of a button - anytime, any day. Estate agents have access to the details, documents, progress notes and contacts relating to a specific deal easing communication and keeping the agent in control.

Screenshots

OUTsurance4 screens
STBB Direct1 screens

Verdict

The call

The clearest difference is ads: STBB Direct at none against OUTsurance's shown. STBB Direct also leads on monetization model (free vs free with in-app purchases) and iOS requirement (11.0 vs 15.6). OUTsurance's advantage is update cadence (fortnightly vs every 3 months) and review sentiment (62% vs 50%). On price, 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.

UpkeepUpdate frequency

OUTsurance ships an update fortnightly, STBB Direct every 3 months. The most recent releases landed on September 19, 2026 and September 9, 2026 respectively.

Scorecard5 real differences · 5 level
OUTsurance versus STBB Direct: the parameters behind the verdict, then further details
ParameterOUTsuranceSTBB Direct
PriceFreeFree
Rating4.8 (380 ratings) — better—
Positive reviews62.1% of reviews — better50.0% of reviews
Number of ratings380 — better—
Update frequencyFortnightly — betterEvery 3 months
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.611.0 — better
Further details — not scored
Size81 MB55 MB
Age rating4+4+
DeveloperOUTsuranceSTBB

Customer experience

OUTsurance

All ratings380 ratings
Positive97.9%
Neutral0.5%
Negative1.6%
Written reviews66 reviews
Positive62.1%
Neutral13.6%
Negative24.2%

STBB Direct

Written reviews8 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Bugs and requests

OUTsurance

Reported bugs

13 issues
  • App keeps logging out frequently
  • Smart Drive requires location services but permission is not requested
  • App crashes after updates
  • Inaccurate policy data displayed in the app
  • Cannot add members to policy
Show 8 more
  • Vehicle tracking not recording trips
  • Biometric login is not functional
  • Registration process for existing clients is broken
  • App does not open after latest update
  • Scanning barcode on license disc closes the app
  • App doesn't show tracking on iPhone
  • Email required error when loading info during vehicle insurance
  • App keeps saying email is required when it's provided

Requested features

8 requests
  • Add ability to view last five years of claims details
  • Increase font size based on device settings
  • Allow points man requests after trip completion
  • Enable fingerprint access for login
  • Improve Smart Drive functionality for non-policyholders
Show 3 more
  • Add dark mode option
  • Improve app compatibility with older devices
  • Allow viewing of policy details for multiple vehicles under one policy

STBB Direct

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

OUTsurance

No in-app purchases

None

STBB Direct

No in-app purchases

Questions

Is OUTsurance free?
OUTsurance is free to download, with no in-app purchases.
Is STBB Direct free?
STBB Direct is free to download, with no in-app purchases.
Do OUTsurance or STBB Direct have ads?
OUTsurance shows ads; STBB Direct does not.
Which is updated more often, OUTsurance or STBB Direct?
OUTsurance ships an update fortnightly, and STBB Direct every 3 months. Most recently, OUTsurance was updated on September 19, 2026 and STBB Direct on September 9, 2026.

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