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Provider comparison · Updated May 2026

MiWay vs Pineapple

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

Pineapple edges MiWay on customer rating.

FeatureMiWayPineapple
Customer rating★ 4.4★ 4.5
Average premiumR640/pmR540/pm
Claims turnaround48h24h
Pricing tierMid-rangeMid-range
Flagship productMiHeroPeer-to-peer Car
Product rangeCar, Home, Business, LifeCar, Contents, Single Items

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

Pineapple

Peer-to-peer car insurance

Pineapple is a South African insurtech offering peer-to-peer short-term cover, where members get back unused premium at year end.

Strengths
  • P2P model returns unused premium
  • Modern app
  • Photo-based onboarding
Trade-offs
  • Mostly car & contents
  • Limited cover for high-value risks