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Provider comparison · Updated May 2026
MiWay vs Western National
How MiWay and Western National compare on price, claims, products and rewards across the South African market.
MiWay edges Western National on customer rating.
| Feature | MiWay | Western National |
|---|---|---|
| Customer rating | ★ 4.4 | ★ 4.3 |
| Average premium | R640/pm | R780/pm |
| Claims turnaround | 48h | 60h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | MiHero | Agri Combined |
| Product range | Car, Home, Business, Life | Commercial, Agriculture, Personal Lines, Marine |
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
Western National
Commercial & agri specialist
Western National is a PSG-group short-term insurer specialising in commercial and agricultural cover for the South African market.
Strengths
- Strong agri-insurance book
- Commercial expertise
- PSG-group backing
Trade-offs
- Limited personal lines
- Broker-only distribution
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