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.
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