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Provider comparison · Updated May 2026
Momentum vs Pineapple
How Momentum and Pineapple compare on price, claims, products and rewards across the South African market.
Momentum and Pineapple are evenly matched on customer rating.
| Feature | Momentum | Pineapple |
|---|---|---|
| Customer rating | ★ 4.5 | ★ 4.5 |
| Average premium | R710/pm | R540/pm |
| Claims turnaround | 72h | 24h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Multiply Rewards | Peer-to-peer Car |
| Product range | Life, Investments, Short-term, Health | Car, 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
Pineapple
Peer-to-peer car insurance
Pineapple is a South African insurtech offering peer-to-peer short-term cover, where members get back unused premium at year end.
Strengths
- P2P model returns unused premium
- Modern app
- Photo-based onboarding
Trade-offs
- Mostly car & contents
- Limited cover for high-value risks
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