OUTsurance vs Santam app
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.
Santam app
Manage your insurance policies, request changes, and submit claims with ease. Get instant support for emergencies and track your claim status directly through the app.
- Policy portfolio access
- Personalized user profiles
- Policy change requests
- SOS emergency button
- Claim submission and tracking
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The new and improved Santam Client App provides a range of features for Santam policyholders leading to an enhanced self-service experience. The registration and authentication process is effortless which allows users access to their Santam policy portfolio. User profiles can be personalized, policy information is presented in a more simplistic way and additional cover or policy changes can be requested in a few easy steps. The SOS emergency button is available for insurance related emergencies and will alert Santam’s emergency response team. Claims can be submitted and can be tracked in a few easy steps.
Screenshots
Verdict
The clearest difference is rating: OUTsurance at 4.8 against Santam app's 4.3. OUTsurance also leads on review sentiment (62% vs 34%) and ratings volume (380 vs 14). Santam app'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.
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 4.3. That said, the two scores are not equally well evidenced: OUTsurance has 380 ratings behind it against 14, 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 34% of Santam app's.
OUTsurance ships an update fortnightly, Santam app monthly. The most recent releases landed on September 19, 2026 and September 14, 2026 respectively.
| Parameter | OUTsurance | Santam app |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (380 ratings) — better | 4.3 (14 ratings) |
| Positive reviews | 62.1% of reviews — better | 33.9% of reviews |
| Number of ratings | 380 — better | 14 |
| Update frequency | Fortnightly — better | Monthly |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.0 |
| Further details — not scored | ||
| Size | 81 MB | 97 MB |
| Age rating | 4+ | 4+ |
| Developer | OUTsurance | Santam |
Customer experience
OUTsurance
Santam app
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
Santam app
Not enough reviews yet to summarise bugs or requests.
In-app purchases
OUTsurance
No in-app purchases
Santam app
No in-app purchases
