Direct, digital, on your side
Editor verdict
MiWay nails the digital-direct experience: quote in under 5 minutes, fully online policy management and flexible excess sliders. Pricing is genuinely competitive in the mid-market, though service consistency varies more than at OUTsurance.
Best for
Not for
Score breakdown
Composite of 5 weighted criteria, refreshed quarterly.
Products
MiHero in-app claims, flexible excess slider and instant quotes.
Buildings, contents and all-risks with online policy management.
Light commercial — assets, liability and business interruption.
Sanlam-underwritten term life with online underwriting.
Discounts & rewards
5% off the first-year premium when you bind online.
Increase your excess to drop your monthly premium up to 18%.
Up to 10% off when bundling car and home.
Stepped no-claim bonus capped at year 4.
Customer reviews
Switched from a broker policy after getting a MiWay quote that was R190 cheaper for the same cover. Everything happens online, no awkward call-centre upsell.
Geyser claim took five business days because the first plumber was a no-show. Service team made it right with a credit but it was a frustrating week.
I bumped my excess to R5 500 and dropped my monthly premium 16%. For a careful driver in a low-claim area, this is the best mid-tier product.
Needed to add a vehicle to my fleet and waited 22 minutes on hold. App handled it eventually but the phone team felt under-staffed.
Reviews are submitted by South African policyholders and verified against policy numbers. We never edit content.
FAQ
Company snapshot
MiWay is a Sanlam-owned direct insurer that competes on simple, digital-first short-term insurance for individuals and small businesses.
Alternatives
By province
Compare MiWay alongside other licensed insurers in your province.
How it works
You stay anonymous until you decide an insurer is worth talking to.
About a minute of questions. No ID upload, no paperwork.
Independent ratings, premiums and claim turnaround times from 40+ SA insurers — in one view.
Choose the cover that suits your budget. We don't follow up unless you ask us to.
Transparency
CompareInsurance.co.za is free to use. We never charge South Africans for a comparison or for being introduced to an insurer.
When you choose to get a quote, the insurer you pick may pay us a referral fee. That fee never changes the premium you're quoted, and it never changes where insurers sit in our rankings — those are based on our independent editorial scoring.
If an insurer doesn't pay us at all, we still list them. We'd rather show you the right cover than only the ones paying us.
Read our full methodologyGet matched with MiWay alongside 5+ competitors in 60 seconds. POPIA-compliant, no obligation.
Get my MiWay car insurance quoteFunnel pre-filled with MiWay · Car Insurance
MiWay · Car Insurance
From R640/pm · 60-second quote