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Provider comparison · Updated May 2026
MiWay vs FNB Insurance
How MiWay and FNB Insurance compare on price, claims, products and rewards across the South African market.
MiWay edges FNB Insurance on customer rating.
| Feature | MiWay | FNB Insurance |
|---|---|---|
| Customer rating | ★ 4.4 | ★ 4.3 |
| Average premium | R640/pm | R660/pm |
| Claims turnaround | 48h | 48h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | MiHero | Smart Car Insurance |
| Product range | Car, Home, Business, Life | Car, Home, Life, Funeral |
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
FNB Insurance
Bank-linked short-term cover
FNB Insurance offers short-term and life cover bundled with FNB banking, with eBucks rewards and in-app policy management.
Strengths
- eBucks rewards
- Seamless banking integration
- Easy app management
Trade-offs
- FNB customers only for best rates
- Underwritten by partner insurers
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