OUTsurance vs Momentum Multiply
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Manage insurance policies
- Start new insurance quotes
- Submit and track claims
- Request emergency assistance
- Refer friends for discounts
- Join SmartDrive program
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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.
Momentum Multiply
This app helps members of qualifying medical schemes improve their wellness journey through personalized guidance and rewards. Track your activity, access daily tips, and earn benefits by making healthier lifestyle choices.
- Lifestyle Quiz and Score
- Digital Coach for lifestyle choices
- Book health and fitness assessments
- Track activity goals and earn wins
- View rewards level and partner benefits
- Discounts on wearable fitness devices
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The new Multiply app is exclusive for members who are on a qualifying medical scheme or fund. It is personalized to help you make the most of your wellness journey. With the app, you can know and improve your health PLUS enjoy great rewards from day one. Multiply makes living a healthy life simple, convenient, accessible, and rewarding. With the new Multiply app you can rate your lifestyle choices, book your health and fitness assessments, achieve, and track your activity goals, access daily tips on how you eat, sleep, move, breathe, and connect, view your rewards level, and partner benefits, and so much more. Features of the new Multiply app: KNOW YOUR HEALTH - Complete your Lifestyle Quiz, get a Lifestyle Score, and start earning rewards immediately. - Based on your Lifestyle Score, use the Digital Coach tool to help you make better lifestyle choices. - Book your health assessment*, view your Healthy Heart Score, and earn rewards. - Book your fitness assessment, view your fitness level and earn rewards. IMPROVE YOUR HEALTH - Enjoy discounts on wearable fitness devices, so you track your weekly activity goals. - Achieve and track* your weekly activity goals and score Weekly Wins. - Keep it up for four weeks and score Monthly Wins. - Boost your rewards with Recharge Dayz by measuring your readiness for the day before 08:00 with the app using the camera on your smartphone. *Link your wearable device or smartphone with the Multiply app to track activity data. GET REWARDED - View your rewards statement. - View your rewards level and partner benefits based on your latest Healthy Heart Score and fitness level. - Improve your Healthy Heart Score and fitness level to get more. - View and activate partner benefits.
Screenshots
Verdict
The clearest difference is rating: OUTsurance at 4.8 against Momentum Multiply's 3.4. OUTsurance also leads on review sentiment (62% vs 29%) and ratings volume (384 vs 30). Momentum Multiply's advantage is monetization model (ad-supported vs free with in-app purchases). On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
OUTsurance holds the better App Store score, 4.8 against 3.4. That said, the two scores are not equally well evidenced: OUTsurance has 384 ratings behind it against 30, so its average is the more settled of the two. Written reviews point the same way: 62% of OUTsurance's written reviews are positive against 29% of Momentum Multiply's.
Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | OUTsurance | Momentum Multiply |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (384 ratings) — better | 3.4 (30 ratings) |
| Positive reviews | 62.1% of reviews — better | 28.6% of reviews |
| Number of ratings | 384 — better | 30 |
| Update frequency | Fortnightly | Fortnightly |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 81 MB | 247 MB |
| Age rating | 4+ | 12+ |
| Developer | OUTsurance | Momentum Metropolitan Life Ltd. |
Customer experience
OUTsurance
Momentum Multiply
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
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- 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
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- Add dark mode option
- Improve app compatibility with older devices
- Allow viewing of policy details for multiple vehicles under one policy
Momentum Multiply
Not enough reviews yet to summarise bugs or requests.
In-app purchases
OUTsurance
No in-app purchases
Momentum Multiply
No in-app purchases
Questions
Is OUTsurance free?
Is Momentum Multiply free?
Which has better reviews, OUTsurance or Momentum Multiply?
Do OUTsurance or Momentum Multiply have ads?
Which is updated more often, OUTsurance or Momentum Multiply?
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