Discovery Insure vs STBB Direct
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Discovery Insure
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.
- Rewards good driving
- Real-time driving feedback
- Monthly fuel rewards
- Telematics device integration
- Gautrain rewards
- Battery-efficient location tracking
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Discovery Insure offers car insurance that rewards good driving. Through our smartphone-enabled DQ-Track, which incorporates the Discovery Insure app and our Vitality Drive telematics device, Discovery Insure clients get real-time feedback on their driving behaviour, as well as other innovative features. Drive well to get up to R1,500 in fuel rewards every month. To start earning your monthly fuel rewards, you must install a telematics device and link it to the Discovery Insure app. Then, activate your Vitality Drive card through our Discovery Insure app and swipe it whenever you fill up at BP or Shell. You can also get rewards on your Gautrain spend when you link your Gautrain at www.discovery.co.za. Note: The Discovery Insure app uses location services. When you are not driving, it does not use GPS. It uses battery-efficient methods to automatically determine the start of a trip and stops detailed monitoring soon after a trip ends. The app is aware of your battery life and will not start monitoring a drive if the battery is low. Although the app has been designed to use your phone’s sensors in a battery-efficient way, running the app without a charger on long trips may drain the battery. Discovery Insure Limited is a licensed non-life insurer and an authorised financial services provider. Registration number: 2009/011882/06. Product rules, terms and conditions apply. Full product details, including limits, can be found on our website, www.discovery.co.za, or you can call 0860 000 628.
STBB Direct
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.
- 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
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The STBB Direct application is the perfect tool to do cost calculations on the go. It’s free, and anyone can use it to do a variety of calculations relating to the sale or purchase of a property. It also allows users to share the calculations directly from the application with a buyer, seller or other third party. The following calculators are available - Transfer and bond cost - Bond repayment - Agent commission - Capital Gains Tax As an added bonus, estate agents with deals at STBB are now able to track the progress of their deals on their mobile devices. Notifications can even be set up for pre-selected milestones in the process. An estate agent will also be able to pull the ever so popular STBB progress reports directly from the device with the tap of a button - anytime, any day. Estate agents have access to the details, documents, progress notes and contacts relating to a specific deal easing communication and keeping the agent in control.
Screenshots
Verdict
The clearest difference is review sentiment: STBB Direct at 50% against Discovery Insure's 17%. STBB Direct also leads on device support (3 vs 1) and iOS requirement (11.0 vs 16.0). Discovery Insure's advantage is update cadence (every 2 weeks vs every 3 months). On price, ads, in-app purchases and monetization model 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.
Discovery Insure ships an update every 2 weeks, STBB Direct every 3 months. The most recent releases landed on September 6, 2026 and September 9, 2026 respectively.
| Parameter | Discovery Insure | STBB Direct |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (121 ratings) — better | — |
| Positive reviews | 17.5% of reviews | 50.0% of reviews — better |
| Number of ratings | 121 — better | — |
| Update frequency | Every 2 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 11.0 — better |
| Further details — not scored | ||
| Size | 327 MB | 55 MB |
| Age rating | 17+ | 4+ |
| Developer | Discovery Limited | STBB |
Customer experience
Discovery Insure
STBB Direct
Bugs and requests
Discovery Insure
Reported bugs
128 issues- Battery drain
- Inaccurate driving behavior detection
- App doesn't work
- App deleted itself
- App doesn't recognize vehicle type
Show 123 moreShow fewer
- Penalizes secondary driver for cell phone use
- App doesn't find anything
- App is dysfunctional
- App is full of bugs
- App drains battery in background
- App tracks when not driving
- App assumes sensor disabled when car idle
- Constant "Internal Server Error" on contact
- App doesn't always work
- App doesn't send info to Vitality
- Points stay at zero
- Drive not recorded
- Reason for no drive: no phone present
- System is broken
- Points not pulled into total
- Total sits on 20/750
- App doesn't work properly
- Too sensitive
- Penalized for cornering
- Heavy on battery
- Doesn't record trips for ages
- False reading on steep inclines
- Accelerometer gives false readings
- App drains battery within an hour
- Refuses to connect to sensor unless location is on all the time
- Trip notifications do not come through unless app is opened
- App is biggest consumer of phone's battery
- Loses major battery percentages even when not driving
- Makes up speed limits
- Scores for speeding
- Penalized for harsh acceleration at low speeds
- Harsh breaking and cornering detected when untrue
- Cellphone usage detected when using GPS
- Battery drain with location services always on
- No option to filter only vehicle
- App is more of a nuisance than helpful
- Additional battery drain per day
- Most recent update killed the app
- Won't open anymore
- App always using location drains battery
- Why need location when not in car
- App destroys battery life
- Pointless for app to keep tracking after stopped driving
- App was killing battery
- Revoked location access
- App used 60% of battery over 12 hours while asleep
- App kills battery
- App will kill phone's battery waiting for a trip
- Keeps GPS active
- Force kill the app helps
- Kill the app too soon deletes current trip
- Difficult scoring well driving sports car
- Telematics to the next level
- Amazingly accurate
- Pointless and useless app
- Does not work
- New version has nice look and feel
- Trips take forever to upload
- Huge backlog of uploads
- Intrusive notifications
- Background app refresh disabled notifications
- Had to delete app due to battery drain
- Incorrect speed limits
- Doesn't record drive correctly from actual start
- App recognizes speeding above certain limits
- Absolute rubbish
- Records driving on roads not entered
- Too much of a blunt tool
- Lots of problems with how it reads driving
- Traffic circles result in 'harsh cornering'
- 90 degree or more turns result in 'harsh cornering'
- Random trips state 'cell phone movement'
- Won't update even on WiFi
- Driving 100 in 100 zone classified as speeding
- Poorly developed app
- Doesn't record from start
- Doesn't stop once stopped
- Lost the drive after restart
- Can't add friends
- User interface is poor
- Trips allocated random data re: braking or accelerating
- Very poor execution
- Only 2km recorded out of 25km trip
- Location is constantly on, draining battery drastically
- Look and feel isn't the best
- Inviting friends doesn't work
- UI needs enhancements
- Constantly says "waiting to record drive"
- Starts recording trip after getting home
- Last update made issue worse
- Something seriously wrong with the algorithm
- Inconsistent detection of driving
- Doesn't record at all sometimes
- Starts recording when phone is stationary
- Algorithm is buggy
- Sometimes have to restart phone completely for it to record
- Had to reinstall app once
- Loses trips randomly
- Doesn't upload when no network connection
- Competition app is dodgy
- Battery life gone once installed
- Uses up to 20% battery per 30 minutes while driving
- Battery drain is excessive
- Accuracy issues (records non-driving)
- Phone on side board thinks it's an 8km trip
- GPS constantly on reduces battery life
- GPS should only come on when in a car
- GPS should come on when speed is faster than a certain amount
- Seldom works
- More likely to register a jog or walk as a drive
- Doesn't respect option to only upload on WiFi
- Eating through mobile data bundle
- Doesn't immediately pick up movement for 3-5 minutes
- Doesn't stop for 3-5 minutes after ending journey
- Constantly uses location even when app is closed in background
- Phone lost 35% battery in 2 hours
- GPS indicator next to battery percentage went away after deleting app
- Battery made it through the night after deleting app
- Doesn't record all drives
- Starts recording when not driving
- Still no score
- Skipping 160km/h on Gautrain
- Needs to skip high speed train data
Requested features
35 requests- Fix battery drain issues
- Improve accuracy of driving detection
- Allow manual trip logging
- Detect vehicle type for better accuracy
- Only track when driving
Show 30 moreShow fewer
- Stop tracking when not driving
- Code to only start tracking when Bluetooth connects to sensor
- Option to filter by vehicle type
- Fix "Internal Server Error" on contact feature
- Allow passport number for ID
- Improve user interface
- Fix data upload issues
- Fix speed limit recognition
- Fix harsh braking/cornering detection
- Fix cell phone usage detection
- Fix app not opening/crashing
- Fix trip recording issues (start/stop)
- Fix data allocation for braking/accelerating
- Fix friend invitation functionality
- Fix WiFi upload setting
- Fix background data usage
- Fix app not picking up movement immediately
- Fix app not stopping immediately
- Fix background location usage
- Fix app not recording all drives
- Fix app starting recording when not driving
- Provide a score
- Allow skipping high-speed train data
- Improve algorithm for detecting driving
- Make app stop tracking when not driving
- Make GPS only come on when in a car
- Detect driving based on speed
- Link up with existing DQ-tracker
- Add dark mode option
- Advanced analytics dashboard
STBB Direct
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Discovery Insure
No in-app purchases
STBB Direct
No in-app purchases
Questions
Is Discovery Insure free?
Is STBB Direct free?
Do Discovery Insure or STBB Direct have ads?
Which is updated more often, Discovery Insure or STBB Direct?
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