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Provider comparison · Updated May 2026

MiWay vs Clientèle

How MiWay and Clientèle compare on price, claims, products and rewards across the South African market.

MiWay edges Clientèle on customer rating.

FeatureMiWayClientèle
Customer rating★ 4.4★ 4.1
Average premiumR640/pmR150/pm
Claims turnaround48h48h
Pricing tierMid-rangeBudget
Flagship productMiHeroFuneral Plus
Product rangeCar, Home, Business, LifeFuneral, Life, Legal, Health

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

Clientèle

Direct life and legal cover

Clientèle is a JSE-listed direct insurer offering funeral, life, legal and health policies via telesales and digital channels.

Strengths
  • Fast funeral payouts
  • Strong call-centre sales
  • Legal cover specialist
Trade-offs
  • Aggressive telesales reputation
  • Limited short-term cover