Updated September 28, 2026 · AssureCue Editorial Team
Eversure vs MiWay
Where Eversure and MiWay differ
| Compare |  Eversure | MiWay ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Breakdown, Gadget | Auto, Home, Renters, Pet, Motorcycle, Breakdown, Home emergency |
| Provider type | Broker | Insurer |
| Cover limit | £15,000 per period of insurance (claims above this are excluded) | R15,000 to R60,000 per policy (pet annual limits) |
| Claims channels | 24 hour claims line, Online make a claim form, Contact form | Mobile app, Self service portal, Phone, Whatsapp, Online form |
| Age range | Vehicle up to 15 years old at time of breakdown (personal breakdown) | 0-12 years (pet insurance: 0-8 years for Premium and Core, 0-12 years for Accident) |
| Premium from | £17.47 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | ZAR 5,000 |
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Key differences
- MiWay scores higher overall: 9.3 vs 8.8.
- Insurance types: only Eversure offers Gadget.
- Insurance types: only MiWay offers Auto, Home, Renters.
- Claims channels: only Eversure offers 24 hour claims line, Online make a claim form, Contact form.
- Claims channels: only MiWay offers Mobile app, Self service portal, Phone.
- Support channels: only MiWay offers Phone, Community.
Our verdict on each
Eversure
Eversure is a UK broker selling personal breakdown and gadget cover, which suits drivers with a newer car who want a single policy. Personal breakdown cover starts at £17.47 a month, and the policy is capped at a cover limit per period of insurance.
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 | Eversure | MiWay |
|---|---|---|
| Cost | 8.6Personal breakdown cover starts at £17.47, below the €23.33 typical of the category. | 8.7HigherThe car excess starts at ZAR 5,000, making it an important cost factor when comparing policies. |
| Offer | 8.9 | 9.9Higher |
| Trust | 8.7 | 9.6Higher |
Side by side, item by item
| Insurance types | Eversure | MiWay |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Renters | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Breakdown | Yes | Yes |
| Gadget | Yes | No |
| Home emergency | No | Yes |
Licences and countries
| Country | Eversure | MiWay |
|---|---|---|
| South Africa | Not confirmed | |
| United Kingdom | Financial Conduct Authority 501311 | Not confirmed |
Additional countries for Eversure: 1. Additional countries for MiWay: 1.
Where they rank in our lists
| Ranking | Eversure | MiWay |
|---|---|---|
| Breakdown cover | 3 of 52 | 15 of 52 |
What we checked
Eversure
- eversure.com: 10 facts, checked September 26, 2026
MiWay
- miway.co.za: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Eversure | MiWay |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Eversure Limited | Miway Insurance Limited |
| Headquarters | United Kingdom | South Africa |
| Founded | 2008 | Not confirmed |
| Support channels | Chat, Email, Help centre | Phone, Chat, Help centre, Email, CommunityCovers more |
Business insurance
| Fact | Eversure | MiWay |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Property |
Where each stands against the rest
| Fact | Eversure | MiWay | Median |
|---|---|---|---|
| Premium from | £17.47above the median | Not confirmed | £7.95 |
Median across 51 listed insurance providers.
Pros and cons
Eversure
Pros
- Personal breakdown cover starts at £17.47, under the €23.33 category figure.
- The cover limit per period of insurance is generous for a breakdown policy, and claims above it are excluded.
- A claims line, an online claim form and a contact form sit in 24 hour claims line, online make a claim form and contact form, so a stranded driver has more than one way in.
Cons
- Eversure is a broker, so the cover sits with an underwriter rather than with the broker.
- Personal breakdown cover is for a vehicle up to a stated age at the time of breakdown, which rules out older cars.
- The range of types is narrow at breakdown and gadget, so there is nothing to bundle beyond a gadget policy.
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
Eversure
Who it suits
- Drivers whose car is still within the eligible age for personal breakdown cover
- Anyone who wants to cover a gadget alongside vehicle breakdown
- People who prefer arranging cover through a broker rather than a direct insurer
Who should look elsewhere
- Owners of a car past the eligible age, who need to look at alternatives built for older vehicles
- Drivers who want a single policy covering several vehicle types at once
- Shoppers wanting a direct insurer contract rather than a broker arrangement
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 | Eversure | MiWay |
|---|---|---|
| South Africa | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Eversure
How much does Eversure personal breakdown cover cost?+
Personal breakdown cover starts at £17.47. That sits under the €23.33 recorded across breakdown providers, and below the €115.72 upper quartile. Premiums are arranged as monthly payments through the broker.
Who regulates Eversure?+
Eversure is authorised and regulated by the Financial Conduct Authority, the UK regulator, under reference 501311. Eversure Limited is the legal entity behind the brand and is based in the United Kingdom.
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.