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The location settings of your phone need to be on to measure how safe you are. If your phone and GPS are on and you don’t travel anywhere, you will be awarded with a safe day. The allocation of your travel-free days will reflect after 3 days on the app.

Yes. Download the Momentum app and activate the Safe Dayz™ feature. When you keep your phone and your GPS location settings on, we can help you track your journey by car, taxi, bus or train and tell you how safe you are. We will also be able to award you a safe day if you have a travel-free day and your phone and GPS settings are on. Plus, you can earn points if you are a Multiply member and a Momentum Safety Bonus if you have a car and home insurance policy with Momentum Insure.

No, anyone can use Safe Dayz™ to measure their safety. All you need is a profile on Momentum.co.za and access to the Momentum app. Only Momentum Insure car and home insurance clients can benefit from the Momentum Safety Bonus.

No, Momentum Insure car and home insurance will not use the information collected through Safe Dayz™ against you if you have a claim. It will also not be used to determine your premium at anniversary of your policy.

Multiply points queries: [email protected] or 086 188 6600 Momentum Safety Bonus or validation queries: [email protected] Car and home insurance queries: [email protected] or 086 000 6784 Momentum app queries/Safe Dayz™ technical assistance: [email protected] or 0860 99 99 32

Your daily score is calculated the next day, provided that you loaded your data. For example, Wednesday’s daily score will be calculated on Thursday, as long as you were able to connect to the internet on Wednesday night to upload your journeys. The allocation of your travel-free days will reflect after 3 days on the app.

Yes. As a Multiply member, you can earn points. As a Momentum Insure car and home insurance client you get a Momentum Safety Bonus. This means you can get up to 30% cash back on your premiums every year based on your results from the Safety Score questionnaire, Safe Dayz and your Multiply status, even if you claim.

Your Momentum Safety Bonus will pay out within six weeks after the anniversary of your policy. So, if your policy is up for renewal on 31 August, your Momentum Safety Bonus will be paid into your bank account by 15 October.

As a Momentum Insure car and home insurance client, you automatically get Multiply Starter membership. When you complete your Safety Score and activate Safe Dayz™, you can then get up to 7.5% of your premiums back in cash every year, even if you claim. Example, if you are a Multiply Premier member on Gold status with a Safety Score of 58% and 12 Safe Dayz™, you will earn a Momentum Safety Bonus of 5% of your yearly car and home insurance premiums. If you pay R1 000 a month, that’s R600 back in cash!

You need a daily score of 60% or more to have a safe day. So, if your daily score is lower than this, you won’t have a safe day, meaning you will miss out on earning Multiply points and a higher Momentum Safety Bonus. We believe that knowledge is power, and that by giving you details about your driving habits and safety on the road, we can help you to stay even safer and earn even more rewards.

There could be a few reasons why your points are not reflecting:

1. Your daily score was less than 60% and therefore doesn’t qualify as a safe day.
2. We didn’t get your journey details and you are still within the 7-day grace period for journeys to be received.
3. Your daily score hasn’t been calculated yet.
4. If your daily score is higher than 60% and you’re a Multiply Starter member, you will not earn any points. Only Multiply Premier clients can earn points for having Safe Dayz™.
5. If you have already received all the points available for the category (limit reached). This will be 80 points allocated to Safe Dayz™ for the year.

iOS: approx. 17MB to download
Android: approx. 43MB to download

Most devices support Safe Dayz™. Some of the devices listed below  are inconsistent when recording journeys while others are incompatible. 

• Huawei devices
• Samsung J series
• Xiaomi devices
• One Plus devices
• ZTE devices
• Mobicel devices
• Vivo devices
• CAT devices
• Oppo devices

Android operating systems below version 5.1 no longer support the feature. Please update your Android operating system to version 5.1 or higher in order to record journeys optimally.

Many things can negatively affect GPS positioning accuracy. Common causes include:

• Satellite signal blockage due to buildings, bridges, trees, etc.
• Indoor or underground use
• Signals reflected off buildings or walls (“multipath”) 

Far less common causes may include:

• Radio interference or jamming
• Major solar storms
• Satellite maintenance/manoeuvres creating temporary gaps in coverage
• Improperly designed devices that do not comply with GPS interface specifications

iOS users:

1. Go to Settings > Privacy > Location services. Make sure the Momentum app is on the list and the option is changed to "Always allow" or "Allow all the time".
2. Go to Settings > General > Background app refresh and make sure it is on and that the Momentum app is also switched on.
3. Check if your low power mode is off because this can affect the recording of your journey. This will have an impact on the recordings as the Momentum app will not get the location permissions it needs.

iOS users on iOS 14 and above, please take not that you need to manually check that the location permission is set to "Always allow" or "Allow all the time".

If the Momentum app is not on the location services list, please follow these steps:

1. Update the Momentum app to the latest version available on the App store
2. Open the Momentum app
3. Click on the Menu button (three stripes on the top left-hand corner)
4. Select Frequently Asked Questions
5. Click on the question: “Which settings need to be enabled…”
6. It should then prompt you to ask for permission and use the location service
7. Click on “Always allow”

Samsung users on Android 7 and 8:

1. Go to Settings > Application manager/Apps > Select Momentum > Select Permissions > Make sure the app has got permission to use the location and storage.
2. Go to Settings > Apps > Momentum > Notifications > Momentum Background services needs to be enabled as well.
3. Go to Settings - Device Maintenance > Battery (Mid or Max must not be selected, only Off).
4. Go to Settings > Device Maintenance > Battery > Scroll down to the bottom and select Always sleeping apps > If Momentum is on the list, select the app by holding down on it until selected and choose delete.
5. Go to Settings > Connections > Location > Choose High accuracy.

Samsung users on Android 9:

1. Go to Settings > Apps > Click on the 3 dots on the top right > Choose Special access > Optimise battery usage > Make sure the selection is for “All” on the top left >  Find Momentum on the list and disable the toggle next to it.
2. Go to Settings > Apps > Momentum > Notifications > Momentum Background services needs to be enabled as well.
3. Go to Settings > Device Care > Battery > Power mode should be on “Optimised”.

Samsung users on Android 10:

1. Go to Settings > Apps > Click on the 3 dots on the top right > Choose Special access > Optimise battery usage > Make sure the selection is for “All” on the top left >  Find Momentum on the list and disable the toggle next to it.
2. Go to Settings > Apps > Momentum > Notifications > Momentum Background services needs to be enabled as well.
3. Go to Settings > Device Care > Battery > Power mode should be on “Optimised”.
4. Go to Settings > Device Care > Battery > App power management > Sleeping apps > Make sure Momentum is not on this list.

Huawei users on Android 8:

1. Go to Settings > Apps > Momentum > Battery. This will open “Battery usage details” for the application. You will see “App Launch” under Settings section. This should say “Manage manually”. If not, select App Launch > Turn off Manage automatically > Tap OK > Turn off Power-intensive prompt.
2. Settings > Battery > Power saver and Ultra Power saver should be disabled.
3. Settings > Battery > Launch > Under “Manage all automatically”, deactivate Momentum app, i.e. set on manual activation.
4. Settings > Advanced Settings > Location Mode > GPS must be on high accuracy or press and hold down the location icon and it will open up by location mode to set it to high accuracy.

Huawei users on Android 9:

1. Settings > Apps > Momentum > Battery (this will open “Battery usage details” for the application) > You will see “App Launch” under Settings section > This should say “Manage manually” if not then Select App Launch > Turn off Manage automatically > Tap OK > Turn off Power-intensive prompt.
2. Settings > Battery > Power saver and Ultra Power saver should be disabled.
3. Settings > Battery > Launch > Under “Manage all automatically”, deactivate Momentum app (i.e set on manual activation.)

Huawei users on Android 10

1. Settings > Apps > Apps > Momentum > Power usage details > App Launch > Manage Manually > Select all three (Auto Launch, Secondary Launch and Run in Background).
2. Settings > Battery > App Launch > Momentum > Select Manage Manually.

Other Android users:

1. Login onto the Momentum app – Tap on Safe Dayz – Tap on Settings on top right-hand corner – Tap on “Run device check”. This functionality will ensure the most vital settings are correctly set.
2. Go to settings > Application manager/Apps > Select Momentum > Select Permissions – Make sure the app has got permission to use the location and storage.
3. Go to Settings > Privacy and Safety > Location method > High Accuracy (GPS, Wi-Fi and mobile networks). (The steps will vary from device to device).
4. Please check that your phone is not on battery save/ power save mode. This will have an effect on the recordings, as the app would not get the location permissions it needs.

1. Time of day score: This score is based on the time of the day that you travel. Accidents are more likely to happen if you drive at night or during peak hours. To get a top score, avoid driving late at night or during peak times. It is still possible to earn score 60% for your journey even if you travel at peak times. 
2. Relative speed score: Relative speed calculates your speed when travelling on a specific section of a road at a specific time, and then compares it with the speed of other drivers. It’s possible to have a high speed score, but a low relative speed score. For example, if you drive at 110km/h on a highway, but the average speed there is 100km/h you will score low for relative speed.
3. Familiarity score: This measures the number of times you have travelled on a particular road in the past month, more than a month ago and within the past year, to determine how familiar you are with the route. When drivers use the same route consistently they become aware of their surroundings and the flow of traffic on the route. The more familiar your route, the safer you are and the higher your score.  If you’re new to using the app, your familiarity score will be lower at first until a history has been built up. 
4. Smoothness score: This score is calculated based on how consistent you drive, especially when approaching corners. Consistent smooth driving allows you to react quicker in hazardous situations, thereby reducing your accident risk.         
5. Speeding score: The speed score measures whether you are exceeding the speed limit of the road you are on. Make sure you stay within the road speed limit to get the best score.
6. Acceleration score: Try to accelerate gradually as taking off quickly could result in losing control of the car and a higher accident risk.     
7. Deceleration score: Try to brake gradually because harsh braking could result in a higher accident risk 

• There could be various reasons for this, including your device’s GPS functionality being different.
• Another possibility could be that you or your husband travels more frequently on that particular road and your familiarity score could be higher, resulting in a difference in journey score.
• The recording may not start at the exact same time or location, so the distance, acceleration, deceleration, smoothness may be different as it measures now from a different starting point.

You don’t have to be a Momentum client to do the safety questionnaire, but to benefit from the Momentum Safety Bonus, you will have to be a Momentum Insure car and home insurance policyholder. Your Momentum Safety Bonus will be higher if you are a Multiply member.

Yes. Your Safety Score is important to boost your Momentum Safety Bonus and to be more aware of the safety measure you have in place.

Improving your safety is important to us, so you should update your safety questionnaire whenever your circumstances change to reflect your current status. This will also influence your Safety Score. As a Multiply member, you need to complete your safety questionnaire at least once a year to earn points. As a Momentum Insure car and home insurance client, your Safety Score is valid for a year, so you need to complete it at least once a year to continue earning rewards.

Validating your answers not only proves that you are as safe as your safety questionnaire indicates, but also ensures that the Momentum Safety Bonus you get is fair to you and all other Momentum Insure car and home insurance clients. By validating your safety, you will increase your Safety Score thus boosting your potential rewards.

Your Momentum Safety Bonus will pay out within six weeks after the anniversary of your policy. So, if your policy is up for renewal on 31 August, your Momentum Safety Bonus will be paid into your bank account by 15 October.

No, your claims history has no influence on your Momentum Safety Bonus, and you will get cash back based on your results from the Safety Score questionnaire, Safe Dayz and your Multiply status even if you claim.

If you score 60% or more, your safe day will be awarded and be visible on the app the next day, provided you were able to connect to the internet to upload your journey information. Your journey information is valid for 7 days so it is important to ensure you have internet access for the app to upload your information in the background. 

Safe Dayz™ does not affect your Safety Score, but influences your Safety Bonus. The more Safe Dayz™ you have and the higher your Safety Score, the more cash you will receive at anniversary of your short-term insurance policy.