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Provider comparison · Updated May 2026
Momentum vs Budget Insurance
How Momentum and Budget Insurance compare on price, claims, products and rewards across the South African market.
Momentum edges Budget Insurance on customer rating.
| Feature | Momentum | Budget Insurance |
|---|---|---|
| Customer rating | ★ 4.5 | ★ 4.1 |
| Average premium | R710/pm | R560/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Budget |
| Flagship product | Multiply Rewards | Value Comprehensive |
| Product range | Life, Investments, Short-term, Health | Car, Home, All-risks |
Momentum
Long-term financial wellness
Momentum is a diversified financial services group offering life, investments, short-term insurance and Multiply rewards.
Strengths
- Strong life and investment offering
- Multiply rewards programme
- Holistic advice
Trade-offs
- Short-term insurance secondary focus
- Broker-led model
Budget Insurance
Cover that fits your pocket
Budget Insurance is a Telesure-group direct brand built around affordability and straightforward short-term cover for cost-conscious South Africans.
Strengths
- Aggressive pricing
- Simple online quotes
- Flexible cover options
Trade-offs
- Fewer premium add-ons
- Smaller broker footprint
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