# OUTsurance vs Momentum Multiply

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.

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.

## The numbers

| Metric | OUTsurance | Momentum Multiply |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (384 ratings)](https://appshunter.io/ios/app/outsurance/id646353691/reviews)** | [3.4 (30 ratings)](https://appshunter.io/ios/app/momentum-multiply/id1474101180/reviews) |
| Number of ratings | **384** | 30 |
| Positive reviews | **62.1% of reviews** | 28.6% of reviews |
| In-app purchases | No | No |
| Ads | Yes | Yes |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 81 MB | 247 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [OUTsurance](https://appshunter.io/developer/568869394) | [Momentum Metropolitan Life Ltd.](https://appshunter.io/developer/569939037) |

## 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


### Momentum Multiply

[App page](https://appshunter.io/ios/app/momentum-multiply/id1474101180)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is OUTsurance free?

OUTsurance is free to download, with no in-app purchases.

### Is Momentum Multiply free?

Momentum Multiply is free to download, with no in-app purchases.

### Which has better reviews, OUTsurance or Momentum Multiply?

OUTsurance is rated higher. OUTsurance averages 4.8 out of 5 from 384 ratings, while Momentum Multiply averages 3.4 from 30 ratings.

### Do OUTsurance or Momentum Multiply have ads?

Both OUTsurance and Momentum Multiply show ads.

### Which is updated more often, OUTsurance or Momentum Multiply?

OUTsurance ships an update fortnightly, and Momentum Multiply fortnightly. Most recently, OUTsurance was updated on November 1, 2026 and Momentum Multiply on November 3, 2026.

---

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