Updated September 28, 2026 · AssureCue Editorial Team
DZI vs MiWay
DZI vs MiWay: the differences
| Compare |  DZI | MiWay ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Breakdown, Home emergency | Auto, Home, Renters, Pet, Motorcycle, Breakdown, Home emergency |
| Cover limit | Travel medical expenses limit EUR 5,000 to 50,000 | R15,000 to R60,000 per policy (pet annual limits) |
| Claims channels | Phone, Online portal, Offices and service centres, Email | Mobile app, Self service portal, Phone, Whatsapp, Online form |
| Age range | 16 to 69 years | 0-12 years (pet insurance: 0-8 years for Premium and Core, 0-12 years for Accident) |
| Premium from | €5 | Not confirmed |
| Excess from | Not confirmed | ZAR 5,000 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- DZI scores higher overall: 9.4 vs 9.3.
- Insurance types: only DZI offers Life, Health, Travel.
- Insurance types: only MiWay offers Renters, Pet, Motorcycle.
- Claims channels: only DZI offers Online portal, Offices and service centres, Email.
- Claims channels: only MiWay offers Mobile app, Self service portal, Whatsapp.
- Support channels: only MiWay offers Chat, Community.
Our verdict on each
DZI
DZI suits households in Bulgaria that want a single insurer for car, home, life, health and travel cover, with private health opening at €5 a month. It scores 6.2 overall, and monthly payments spread the cost, though the entry price is not among the lowest here.
MiWay
Miway is a practical choice for South African customers who want several personal and business insurance categories from an insurer, with monthly car payments and flexible claims access. Its car excess starts at ZAR 5,000, so compare that cost carefully against the broad choice of cover.
Score breakdown
| Area | DZI | MiWay |
|---|---|---|
| Cost | 9.2Higher | 8.7The car excess starts at ZAR 5,000, making it an important cost factor when comparing policies. |
| Offer | 9.5 | 9.9Higher |
| Trust | 9.6 | 9.6 |
How they place
| Ranking | DZI | MiWay |
|---|---|---|
| Car insurance | 69 of 393 | 91 of 393 |
| Home insurance | 53 of 272 | 73 of 272 |
| Business insurance | 41 of 150 | 58 of 150 |
| Professional indemnity and liability insurance | 14 of 38 | 20 of 38 |
| Breakdown cover | 10 of 52 | 15 of 52 |
| Public liability insurance | 16 of 51 | 23 of 51 |
Where each is licensed and available
| Country | DZI | MiWay |
|---|---|---|
| South Africa | Not confirmed |
Additional countries for DZI: 1. Additional countries for MiWay: 1.
Choosing between them
Pick DZI if cost matter most.
Pick MiWay if offer matter most.
Every fact side by side
| Fact | DZI | MiWay |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | DZI-General Insurance | Miway Insurance Limited |
| Headquarters | Bulgaria | South Africa |
| Founded | 1946 | Not confirmed |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre, Email, CommunityCovers more |
Business insurance
| Fact | DZI | MiWay |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Property | Public liability, Professional indemnity, Property |
Where each stands against the rest
| Fact | DZI | MiWay | Median |
|---|---|---|---|
| Premium from | €5below the median | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
DZI
Pros
- Private health cover starts at €5 a month, under the site median of €8.37
- Monthly payments are available, so the premium runs on the monthly model rather than as a single lump sum
- Cover spans auto, home and life, letting a single insurer handle motor, property, life, health and travel
Cons
- The starting premium ranks at position 93 of the 252 brands compared, so the entry price sits above the lowest figures on the list
- Support runs on phone, email and help centre only, with no live messaging route listed for quick questions
- The personal range stops at auto, home and life, with no pet or motorcycle cover
MiWay
Pros
- Miway provides personal and business insurance as a direct insurer, according to insurer.
- Cover includes auto, home, renters, pet, motorcycle, breakdown and home emergency through auto, home and renters.
- Car customers can choose monthly payments under monthly.
Cons
- The car excess starts at ZAR 5,000, which is a meaningful cost to consider.
- Good Sam lists life, health and travel cover, while Miway's range is shown in auto, home and renters and auto, home and renters respectively.
Who each suits
DZI
Who it suits
- Households in Bulgaria that want car, home and health cover from a single insurer
- Adults who prefer monthly premiums to a single annual payment
- Travellers who want the medical limit set by the insurer at Travel medical expenses limit EUR 5,000 to 50,000
Who should look elsewhere
- Readers who want pet or motorcycle cover, since Good Sam Insurance Agency lists those lines in auto, home and renters
- Small businesses needing employers liability, as public liability, professional indemnity and property stops at public liability, professional indemnity and property
- Shoppers after a free starting price, since bunq shows €0
MiWay
Who it suits
- South African customers comparing car, home, renters, pet, motorcycle or breakdown cover.
- Pet owners reviewing plan-specific age eligibility and annual limits.
- Businesses seeking public liability, professional indemnity or property insurance.
Who should look elsewhere
- Euroasia Insurance may suit customers focused on auto, home, travel or gadget cover, based on auto, home and travel.
- Hiscox UK may suit customers prioritising landlord, auto and home emergency cover, based on home, renters and landlord.
Current offers
MiWay
Current offer
Bonus
We'll beat your premium or give you up to R2,000: Up to R2,000
Ts & Cs apply; page links to the R2000 dare terms
Source, checked September 26, 2026
Discount code
Insure 2 or more cars and save on your premium: 25% (2 cars) up to 100% (5+ cars) off the lowest premium
Applies when insuring multiple cars with Miway
Source, checked September 26, 2026
Bonus
MiCashback: 10% of premiums back every 2 years
No break in your cover and no claims; Ts & Cs apply
Source, checked September 26, 2026
Country by country
| Country | DZI | MiWay |
|---|---|---|
| Bulgaria | Yes | No |
| South Africa | No | Yes |
Questions about each
DZI
What does private health cover cost at DZI?+
Health cover starts at €5 a month. That is the opening premium for the policy, and the site median for starting prices is €8.37, with an upper quartile of €29.72. A quote based on your own age, cover and risk will usually sit above the entry figure.
Can I pay the premium monthly?+
Yes. Monthly payments are available and the payment model is monthly, so the premium is collected in instalments across the year rather than as a single payment. That suits households with a tight monthly budget, and it holds the entry health premium at €5 a month for the starting policy.
MiWay
Is Miway an insurer or a broker?+
Miway is an insurer, as shown in insurer. The legal entity named in its terms is Miway Insurance Limited, which is identified in Miway Insurance Limited.
What is the starting car insurance excess?+
The car excess starts at ZAR 5,000. This is the amount relevant to the car policy structure, so it should be weighed alongside the monthly payment model listed in monthly.