Insurer reviews
MiWay car insurance review
By Sipho Dlamini · 6 min read · Updated 24 June 2026
- Underwriter
- MiWay (Sanlam group; FSCA-licensed insurer)
- Cover types
- Comprehensive, third party fire and theft, third party only
- Known for
- Direct, app-based digital car insurance service
- Excess
- Varies by vehicle and profile - confirm on your schedule
- Telematics
- Not core - app-based service and rewards may apply
- Get a quote
- MiWay website, app or call centre (direct, no broker)
MiWay is a direct South African insurer, part of the Sanlam group and linked to Santam, that sells and services car insurance online and by phone rather than through brokers. It leans on its app and digital self-service, with the it's all about you positioning.
That suits drivers who want to manage cover themselves, are comfortable with an app and call centre, and do not need a broker to advise them. It suits less if you prefer face-to-face broker support or want someone else to handle the admin.
This review covers what MiWay offers, how to reach it, and the excess and exclusion traps to watch. We are an independent information site, not a broker, so quote and claim through MiWay's own channels.
Who MiWay suits
MiWay suits self-directed drivers who want to quote, manage and claim digitally. The app and call centre handle most needs, and there is no broker layer to deal with.
It suits less if you want a broker to advise you, shop the market for you, or manage claims on your behalf. If you value hands-on support over self-service, weigh that before choosing a direct insurer.
What MiWay car insurance covers
MiWay offers comprehensive cover (accident, theft, hijacking, fire and third party damage), plus more limited third party fire and theft and third party only options. Add-ons can include car hire, roadside and related products.
As always, the exact cover, limits and add-ons depend on the plan you choose. Read your schedule and wording so you know your limits and excesses before you need to claim.
MiWay contact details and service
MiWay is a direct insurer, so you deal with it through its website, app and call centre rather than a branch network or broker. Use the official MiWay site or app for current contact details, since published numbers and channels change.
We do not list phone numbers or addresses here, because they can change and we are not affiliated with the insurer. Always confirm contact details on MiWay's own website or app to avoid scams.
Excess, exclusions and non-disclosure traps
Your excess is what you pay towards each claim and varies by vehicle, driver and options, with possible extra excesses for young or unlisted drivers. Confirm the figures on your schedule before a claim.
Claims can be reduced or rejected for the usual reasons: driving without a valid licence, drink driving, undisclosed business or e-hailing use, and non-disclosure of material facts. If the details you gave when taking out or updating the policy are wrong or incomplete, a later claim can be repudiated. Keep your regular driver, use and overnight parking address accurate.
How MiWay car insurance compares
Use this as an at-a-glance summary. Premium figures are indicative ranges for context only, not quotes - your price depends on your car, area, age and driving.
| Feature | MiWay |
|---|---|
| Cover types | Comprehensive, third party fire and theft, third party only |
| Typical premium range (indicative) | Mid market; varies by profile |
| Excess | Standard plus possible extra excesses; varies by profile |
| Telematics | Not core; app-based service and rewards may apply |
| Car hire | Available as an option |
| Roadside | Available, subject to plan |
| Claim process | Direct via app or call centre, assessor and approved repairer |
Claims, complaints and your rights
Claim directly through the MiWay app or call centre. Report promptly, get a claim number, photograph the scene and damage, and keep documents. Accident claims usually need a police case or accident reference number.
If MiWay rejects or underpays and internal channels do not resolve it, you can escalate free of charge to the National Financial Ombud (NFO), which absorbed the former Ombudsman for Short-Term Insurance (OSTI). Before buying, verify the insurer on the FSCA register.
How to get a MiWay car insurance quote
Get a MiWay quote directly through the MiWay website, app or call centre - there is no broker. Have your vehicle details, regular driver, use and overnight parking address ready, since these affect price and cover.
We are an information site and not a broker, so we do not quote or sell. Compare MiWay against alternatives on matching cover and total cost rather than headline premium alone.
Frequently asked questions
Is MiWay car insurance good?
MiWay suits drivers who want a direct, app-based insurer and do not need broker support. Whether it is good for you depends on the cover, excess and price for your profile, so compare it on like-for-like terms with a few alternatives.
What are MiWay's contact details?
MiWay is a direct insurer reached through its website, app and call centre. We do not publish numbers here because they can change. Always get current MiWay contact details from the official MiWay website or app to avoid scams.
Is MiWay part of Sanlam or Santam?
MiWay is part of the Sanlam group and is linked to Santam within that broader group. It operates as a direct, digital car insurance brand in its own right.
How do I get a MiWay car insurance quote?
Quote directly through the MiWay website, app or call centre. Have your car details, regular driver, use and overnight parking address ready. We are an independent information site and do not provide quotes ourselves.
What can cause a MiWay claim to be rejected?
No valid licence, drink driving, undisclosed business or e-hailing use, and non-disclosure of material facts can all lead to a claim being reduced or rejected. Keep your details accurate and read the wording.
What if MiWay rejects my claim unfairly?
Follow MiWay's internal complaints process first. If unresolved, escalate free of charge to the National Financial Ombud, which absorbed the former OSTI. The ombud can review whether the rejection was fair.
