MiWay review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Customers seeking a broad personal and business insurance range with monthly car payments.
- Insurance types
- Auto, Home, Renters, Pet, Motorcycle, Breakdown, Home-emergency (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- ZAR 5,000 (Source, checked September 26, 2026)
- Cover limit
- R15,000 to R60,000 per policy (pet annual limits) (Source, checked September 26, 2026)
- Claims channels
- Mobile-app, Self-service-portal, Phone, Whatsapp, Online-form (Source, checked September 26, 2026)
- Age range
- 0-12 years (pet insurance: 0-8 years for Premium and Core, 0-12 years for Accident) (Source, checked September 26, 2026)
- Legal entity
- Miway Insurance Limited (Source, checked September 26, 2026)
- Headquarters
- South Africa (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre, Email, Community (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- miway.co.za
Business insurance
- Provider type
- Insurer (Source, checked September 26, 2026)
- Cover types
- Public-liability, Professional-indemnity, Property (Source, checked September 26, 2026)
- Excess from
- ZAR 5,000 (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Legal entity
- Miway Insurance Limited (Source, checked September 26, 2026)
- Headquarters
- South Africa (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre, Email, Community (Source, checked September 26, 2026)
Apps and profiles
- Elsewhere
- WikidataWikipediaXhellopeter.com
Pros and cons
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.
- Car claims can be made through the channels listed in mobile app, self service portal and phone.
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.
Ready to try MiWay?
Scored 9.3 / 10 by AssureCue.
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.
How MiWay compares
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Where MiWay is available
- Available
- South Africa
- Licence in South Africa
- FSCA (Financial Services Conduct Authority), FSP licence (33970), checked September 26, 2026
- Licence in South Africa
- Prudential Authority (Regulator of Insurance, South Africa), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Can car insurance be paid monthly?+
Yes. Car insurance has monthly payments, as stated by the monthly payments fact, and monthly also identifies monthly payment as the available model.
How can car claims be made?+
Car claims can use the channels in mobile app, self service portal and phone. These include a mobile app, self-service portal, phone, WhatsApp and online form, giving customers several ways to start a claim.
What insurance does Miway offer?+
The personal and home cover listed in auto, home and renters includes auto, home, renters, pet, motorcycle, breakdown and home emergency insurance. Business cover is handled separately through the categories in public liability, professional indemnity and property.
What business insurance is available?+
Miway lists public liability, professional indemnity and property insurance in public liability, professional indemnity and property. This range suits businesses comparing those categories directly with an insurer rather than a broker.
What limits apply to pet insurance?+
Pet policies have annual limits of R15,000 to R60,000 per policy (pet annual limits). Eligibility also varies by plan, with different pet age bands applying to Premium, Core and Accident cover.
Which regulators are listed for Miway?+
In South Africa, the listed authorities are the FSCA and the Prudential Authority. The FSCA entry is associated with licence 33970.
Sources
- miway.co.za checked September 26, 2026
Backs: Insurance types
“Vehicles insurance: Car insurance, Motorcycle, Caravan, Trailer; Home: Home contents, Buildings, Moveables; Pet: Mipet; free 24/7 emergency roadside assist and free home emergency assist”
- miway.co.za/about-us checked September 26, 2026
Backs: Headquarters
“We created a range of products that prioritise the real needs of real people and real businesses in SA”
- miway.co.za/business-insurance/professional-liability checked September 26, 2026
Backs: Cover types
“Professional liability, Broadform liability, Business property”
- miway.co.za/car-insurance checked September 26, 2026
Backs: Claims channels, Excess from, Pricing model, Monthly payments
“You can do it anytime via our Self-service portal or on the Miway App; Register your claim via WhatsApp or via our call centre”
- miway.co.za/pet-insurance checked September 26, 2026
Backs: Age range, Cover limit
“Pet age 0-8 years, 0-8 years, 0-12 years”
- miway.co.za/terms-of-use checked September 26, 2026
Backs: Provider type, Legal entity, Support channels, Licences
“Miway Insurance Limited is a company registered in terms of the laws of the Republic of South Africa, with registration number 2007/026289/06, a licensed non-life insurer and financial services...”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from.
Related by the facts
MiWay
Customers seeking a broad personal and business insurance range with monthly car payments.