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Provider comparison · Updated May 2026

MiWay vs Standard Bank Insurance

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

MiWay edges Standard Bank Insurance on customer rating.

FeatureMiWayStandard Bank Insurance
Customer rating★ 4.4★ 4.2
Average premiumR640/pmR690/pm
Claims turnaround48h72h
Pricing tierMid-rangeMid-range
Flagship productMiHeroComprehensive Car
Product rangeCar, Home, Business, LifeCar, 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

Standard Bank Insurance

Banking-bundled insurance

Standard Bank Insurance Brokers offers personal and commercial cover bundled with the Standard Bank Group's banking products.

Strengths
  • UCount rewards
  • Loyalty discounts for bank customers
  • Wide branch footprint
Trade-offs
  • Best pricing requires bank account
  • Limited innovation vs direct insurers