# OUTsurance vs STBB Direct

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.

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

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

## The numbers

| Metric | OUTsurance | STBB Direct |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (380 ratings)](https://appshunter.io/ios/app/outsurance/id646353691/reviews)** | — |
| Number of ratings | **380** | — |
| Positive reviews | **62.1% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 3 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 81 MB | 55 MB |
| Requires iOS | 15.6 | **11.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [OUTsurance](https://appshunter.io/developer/568869394) | [STBB](https://appshunter.io/developer/1441526374) |

## What reviewers say

### OUTsurance

[App page](https://appshunter.io/ios/app/outsurance/id646353691)

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

**In-app purchases:** none

**What reviewers like**

- 👍 Simple and easy to use
- 🚀 Quick and efficient process
- 🚗 Convenient car inspection feature
- 💡 Innovative use of technology
- ✨ Outstanding customer service

**What reviewers complain about**

- 🐛 Buggy login/logout issues
- 🔋 High battery consumption
- 📍 Smart Drive location permission issues
- 📉 Inaccurate policy data in app
- 🔄 App crashes after updates

**Reported bugs**

- 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

**Requested features**

- 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


### STBB Direct

[App page](https://appshunter.io/ios/app/stbb-direct/id1441526375)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*