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Provider comparison · Updated May 2026
MiWay vs Momentum
How MiWay and Momentum compare on price, claims, products and rewards across the South African market.
Momentum edges MiWay on customer rating.
| Feature | MiWay | Momentum |
|---|---|---|
| Customer rating | ★ 4.4 | ★ 4.5 |
| Average premium | R640/pm | R710/pm |
| Claims turnaround | 48h | 72h |
| Pricing tier | Mid-range | Premium |
| Flagship product | MiHero | Multiply Rewards |
| Product range | Car, Home, Business, Life | Life, Investments, Short-term, 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
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
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