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Provider comparison · Updated May 2026
Santam vs MiWay
How Santam and MiWay compare on price, claims, products and rewards across the South African market.
Santam edges MiWay on customer rating.
| Feature | Santam | MiWay |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.4 |
| Average premium | R790/pm | R640/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Comprehensive Plus | MiHero |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Car, Home, Business, Life |
Santam
South Africa's largest short-term insurer
Santam is South Africa's largest short-term insurer with a 100+ year history, serving personal, commercial and agricultural markets.
Strengths
- Largest local insurer
- Extensive broker network
- Strong commercial offering
Trade-offs
- Slower digital experience
- Higher premiums on entry tier
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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