# OUTsurance vs Discovery Insure

The clearest difference is review sentiment: OUTsurance at 62% against Discovery Insure's 17%. OUTsurance also leads on rating (4.8 vs 4.0) and device support (3 vs 1). Discovery Insure's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, update cadence, in-app purchases and iOS requirement 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 4.0. Both are backed by a comparable volume of ratings — 384 and 121 respectively. Written reviews point the same way: 62% of OUTsurance's written reviews are positive against 17% of Discovery Insure's.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 1, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | OUTsurance | Discovery Insure |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (384 ratings)](https://appshunter.io/ios/app/outsurance/id646353691/reviews)** | [4.0 (121 ratings)](https://appshunter.io/ios/app/discovery-insure/id875808172/reviews) |
| Number of ratings | **384** | 121 |
| Positive reviews | **62.1% of reviews** | 17.5% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 81 MB | 352 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [OUTsurance](https://appshunter.io/developer/568869394) | [Discovery Limited](https://appshunter.io/developer/447782580) |

## 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


### Discovery Insure

[App page](https://appshunter.io/ios/app/discovery-insure/id875808172)

This app provides car insurance that rewards safe driving habits. It uses smartphone technology and a telematics device to track driving behavior, offering real-time feedback and monthly fuel rewards. Users can also earn rewards on public transport by linking their accounts.

**Highlights:** Rewards good driving, Real-time driving feedback, Monthly fuel rewards, Telematics device integration, Gautrain rewards, Battery-efficient location tracking

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💡 Great concept for improving driving
- 👍 Rewards for good driving
- 🎯 Accurate driving data (sometimes)
- 🤝 Competition with coworkers
- ✅ Option to log as passenger

**What reviewers complain about**

- 🔋 Excessive battery drain
- 🐛 Inaccurate driving detection
- 🐛 Frequent false positives (braking, cornering, speeding)
- 🐛 App doesn't work / dysfunctional
- 🐛 Uploads not working / slow uploads

**Reported bugs**

- Battery drain
- Inaccurate driving behavior detection
- App doesn't work
- App deleted itself
- App doesn't recognize vehicle type

**Requested features**

- Fix battery drain issues
- Improve accuracy of driving detection
- Allow manual trip logging
- Detect vehicle type for better accuracy
- Only track when driving


## Frequently asked questions

### Is OUTsurance free?

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

### Is Discovery Insure free?

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

### Which has better reviews, OUTsurance or Discovery Insure?

OUTsurance is rated higher. OUTsurance averages 4.8 out of 5 from 384 ratings, while Discovery Insure averages 4.0 from 121 ratings.

### Do OUTsurance or Discovery Insure have ads?

OUTsurance shows ads; Discovery Insure does not.

### Which is updated more often, OUTsurance or Discovery Insure?

OUTsurance ships an update fortnightly, and Discovery Insure fortnightly. Most recently, OUTsurance was updated on November 1, 2026 and Discovery Insure on November 6, 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.*