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Provider comparison · Updated May 2026
OUTsurance vs MiWay
How OUTsurance and MiWay compare on price, claims, products and rewards across the South African market.
OUTsurance edges MiWay on customer rating.
| Feature | OUTsurance | MiWay |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.4 |
| Average premium | R720/pm | R640/pm |
| Claims turnaround | 24h | 48h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | OUTbonus | MiHero |
| Product range | Car, Home, Business, Life | Car, Home, Business, Life |
OUTsurance
You always get something OUT
Founded in 1998, OUTsurance is one of South Africa's most-recognised short-term insurers, famous for its OUTbonus and call-centre service model.
Strengths
- 24-hour claims turnaround
- OUTbonus cash-back after 3 claim-free years
- Strong call-centre
Trade-offs
- Fixed R4,000 excess on some products
- Limited online self-service
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
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