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Provider comparison · Updated May 2026
Momentum vs FNB Insurance
How Momentum and FNB Insurance compare on price, claims, products and rewards across the South African market.
Momentum edges FNB Insurance on customer rating.
| Feature | Momentum | FNB Insurance |
|---|---|---|
| Customer rating | ★ 4.5 | ★ 4.3 |
| Average premium | R710/pm | R660/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Multiply Rewards | Smart Car Insurance |
| Product range | Life, Investments, Short-term, Health | Car, Home, Life, Funeral |
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
FNB Insurance
Bank-linked short-term cover
FNB Insurance offers short-term and life cover bundled with FNB banking, with eBucks rewards and in-app policy management.
Strengths
- eBucks rewards
- Seamless banking integration
- Easy app management
Trade-offs
- FNB customers only for best rates
- Underwritten by partner insurers
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