Updated September 29, 2026 · AssureCue Editorial Team
KS Auxilia vs MiWay
What sets them apart
| Compare |  KS Auxilia | MiWay ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Legal expenses, Breakdown | Auto, Home, Renters, Pet, Motorcycle, Breakdown, Home emergency |
| Excess from | €0 | ZAR 5,000 |
| Cover limit | Unlimited | R15,000 to R60,000 per policy (pet annual limits) |
| Claims channels | Online, Phone, Email, Chat | Mobile app, Self service portal, Phone, Whatsapp, Online form |
| Age range | 18+ | 0-12 years (pet insurance: 0-8 years for Premium and Core, 0-12 years for Accident) |
| Premium from | €5.04 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- KS Auxilia scores higher overall: 9.4 vs 9.3.
- Insurance types: only KS Auxilia offers Legal expenses.
- Insurance types: only MiWay offers Auto, Home, Renters.
- Claims channels: only KS Auxilia offers Online, Email, Chat.
- Claims channels: only MiWay offers Mobile app, Self service portal, Whatsapp.
- Support channels: only MiWay offers Help centre, Community.
Our verdict on each
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
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 | KS Auxilia | MiWay |
|---|---|---|
| Cost | 9.3HigherModest starting point shown by €5.04 with €0 easing initial spend | 8.7The car excess starts at ZAR 5,000, making it an important cost factor when comparing policies. |
| Offer | 9.2Narrow motor legal focus through legal expenses and breakdown capped by Unlimited | 9.9Higher |
| Trust | 9.6Established direct structure as insurer dating to 1964 | 9.6 |
What we checked
KS Auxilia
- ks-auxilia.de: 14 facts, checked September 29, 2026
MiWay
- miway.co.za: 11 facts, checked September 26, 2026
How they place
| Ranking | KS Auxilia | MiWay |
|---|---|---|
| Business insurance | 1 of 150 | 58 of 150 |
| Breakdown cover | 1 of 52 | 15 of 52 |
Every fact side by side
| Fact | KS Auxilia | MiWay |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft | Miway Insurance Limited |
| Headquarters | Germany | South Africa |
| Founded | 1964 | Not confirmed |
| Support channels | Email, Chat, Phone | Phone, Chat, Help centre, Email, CommunityCovers more |
Business insurance
| Fact | KS Auxilia | MiWay |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Property |
| Industries | Private households, trades, medical professions, farmers, companies | Not confirmed |
Where each stands against the rest
| Fact | KS Auxilia | MiWay | Median |
|---|---|---|---|
| Premium from | €5.04below the median | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking 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
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
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 | KS Auxilia | MiWay |
|---|---|---|
| Germany | Yes | No |
| South Africa | No | Yes |
Questions about each
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
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.
Other options to compare
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