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Provider comparison · Updated May 2026
MiWay vs Momentum Insure
How MiWay and Momentum Insure compare on price, claims, products and rewards across the South African market.
MiWay edges Momentum Insure on customer rating.
| Feature | MiWay | Momentum Insure |
|---|---|---|
| Customer rating | ★ 4.4 | ★ 4.3 |
| Average premium | R640/pm | R670/pm |
| Claims turnaround | 48h | 48h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | MiHero | Safety Bonus |
| Product range | Car, Home, Business, Life | Car, Home, All-risks, Business |
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 Insure
Safer driving, lower premiums
Momentum Insure (formerly Alexander Forbes Insurance) is the short-term arm of Momentum Metropolitan, focused on telematics-driven personal lines.
Strengths
- Safety Bonus cash-back
- Multiply rewards integration
- Telematics-based pricing
Trade-offs
- Smaller short-term footprint
- Best value tied to Multiply
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