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Provider comparison · Updated May 2026
Discovery Insure vs MiWay
How Discovery Insure and MiWay compare on price, claims, products and rewards across the South African market.
Discovery Insure edges MiWay on customer rating.
| Feature | Discovery Insure | MiWay |
|---|---|---|
| Customer rating | ★ 4.7 | ★ 4.4 |
| Average premium | R680/pm | R640/pm |
| Claims turnaround | 48h | 48h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Vitality Drive | MiHero |
| Product range | Comprehensive Car, Home & Buildings, Discovery Life, Health Plans | Car, Home, Business, Life |
Discovery Insure
Behaviour-based rewards & telematics
Part of the Discovery Group, Discovery Insure pioneered shared-value insurance in South Africa, rewarding safer driving and healthier living through Vitality.
Strengths
- Vitality fuel cash-back up to 25%
- Strong claims technology
- Unlimited roadside
Trade-offs
- Higher entry-level pricing
- Best value requires app engagement
MiWay
Direct, digital, on your side
MiWay is a Sanlam-owned direct insurer that competes on simple, digital-first short-term insurance for individuals and small businesses.
Strengths
- Quick online quotes
- Strong digital UX
- Flexible excess
Trade-offs
- Smaller branch footprint
- Mixed customer service feedback
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