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Provider comparison · Updated May 2026
Momentum vs Naked Insurance
How Momentum and Naked Insurance compare on price, claims, products and rewards across the South African market.
Naked Insurance edges Momentum on customer rating.
| Feature | Momentum | Naked Insurance |
|---|---|---|
| Customer rating | ★ 4.5 | ★ 4.6 |
| Average premium | R710/pm | R570/pm |
| Claims turnaround | 72h | 24h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Multiply Rewards | Naked Car |
| Product range | Life, Investments, Short-term, Health | Car, Home, Contents, Single Items |
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
Naked Insurance
AI-powered car & home cover
Naked is a digital-first South African insurer using AI and a fixed-fee model — any underwriting surplus goes to charity via Naked's Givva programme.
Strengths
- Fully app-based onboarding
- CoverPause feature
- Transparent fixed-fee model
Trade-offs
- Newer brand
- Personal lines only
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