Quick Facts About MiWay

• Founded in 2008, owned by Santam
• Fully digital insurance company (FSP 33970)
• Car insurance from R350 per month
• 10% cashback every 2 years if you don’t claim
• 24/7 emergency assistance included free
• Claims via app, WhatsApp or phone

What is MiWay Insurance?

MiWay is South Africa’s first fully digital short-term insurance company. They started in 2008 and are now owned by Santam.

You can buy and manage all your insurance online. No need to visit an office. Everything happens through their website or app.

MiWay offers three main types of insurance:

• Car Insurance: Covers your vehicle
• Home Insurance: Covers your building and belongings
• Business Insurance: Covers your business assets

MiWay is a registered Financial Services Provider. Their FSP number is 33970. This means they are legal and regulated by the Financial Sector Conduct Authority.

MiWay Car Insurance Options

MiWay offers four levels of car insurance. You choose based on what you can afford.

1. Comprehensive Cover

This is the best cover. It protects you against:

• Theft and hijacking
• Accident damage
• Fire and natural disasters
• Hail and flood damage
• Damage you cause to other people’s property

2. Lite Cover (Third Party, Fire & Theft)

This cover includes:

• Theft of your car
• Fire damage to your car
• Damage you cause to other people’s property

It does NOT cover accident damage to your own car.

3. Total Loss Cover

This only covers you if:

• Your car is stolen
• Your car is hijacked
• Your car is written off in an accident

It also includes limited third-party cover.

4. Third Party Only

This is the cheapest option. It only covers damage you cause to other people’s property.

Your own car is NOT covered at all.

✅ Free Benefits with MiWay Car Insurance

All car insurance policies include these benefits at no extra cost:

• 24/7 Roadside Assistance: Help for flat tyres, flat batteries, or empty fuel tanks
• Towing Service: Free towing if your car breaks down
• WeDrive Service: Six free rides home in your own car after social events
• Emergency Locksmith: If you lock your keys in the car
• MiCashback: Get 10% of your premiums back every 2 years if you don’t claim

Emergency Number: 08600 767 64 (available 24/7)

💡 Special MiWay Features:

• MyDriveStyle: A device that tracks your driving. Drive safely and pay less.
• MiWheels At Home: Lower premiums if you work from home and drive less.
• Pay-As-You-Drive: Save up to 25% if you drive less than 10,000 km per year.
• Multi-Car Discount: Save up to 20% when you insure more than one car.
• Fixed Premiums: Your premium stays the same for 3 years.

MiWay Home Insurance Coverage

MiWay offers two types of home insurance. You can buy one or both.

MiHomeStuff (Contents Insurance)

This covers everything inside your home:

• Furniture and appliances
• Clothing and curtains
• TVs and electronics
• Carpets and rugs
• Items in outbuildings (sheds, garage)

MiPlace (Buildings Insurance)

This covers the structure of your home:

• Walls, roof and foundations
• Built-in cupboards and fixtures
• Geysers and plumbing
• Outbuildings (garage, shed)
• Boundary walls and fences

What Your Home Insurance Covers

Both types of home insurance protect you against:

• Fire and explosion damage
• Theft and burglary
• Storm, wind and hail damage
• Flood and water damage
• Lightning strikes
• Burst geysers and pipes

✅ Free Benefits Included in Home Contents Cover

Food Deterioration	Up to R2,000 if fridge breaks
Fraudulent Card Use	Up to R1,000 if your card is used fraudulently
Pet Vet Costs	Up to R600 if pet is injured in car accident
Lost Keys	Up to R1,000 for lost or damaged keys
Guest Belongings	Up to R3,000 if guest’s items are stolen
Garden Furniture	Up to R3,000 for stolen garden furniture

24/7 Home Emergency Assistance is included free.

MiWay Insurance Costs and Premiums

The cost of your insurance depends on many factors. MiWay calculates your premium based on:

• Your age and driving experience
• Your car’s make, model and value
• Where you park your car
• How much excess you choose
• The level of cover you select

Typical Monthly Premiums (2024-2025)

Type of Cover	Estimated Monthly Cost
Car Insurance – Comprehensive	R350 – R1,200 per month
Car Insurance – Third Party	R200 – R400 per month
Home Contents Insurance	Varies by value of contents
Buildings Insurance	Varies by value of property

Ways to Save Money on Your Premium

• Bundle Insurance: Save up to 40% when you have car AND home insurance with MiWay
• Insure Multiple Cars: Get up to 25% discount for second car, up to 100% discount for fifth car
• Drive Less: Use pay-as-you-drive and save up to 25%
• Apply Online: Get one month’s premium back after 3 months
• Stay Claim-Free: Earn 10% MiCashback every 2 years
• Choose Higher Excess: Pay more when you claim but pay less monthly

How to Get a MiWay Insurance Quote

Getting a quote from MiWay is quick and easy. You have three options.

Option 1: Online Quote (Recommended)

Step 1: Go to www.miway.co.za

Step 2: Click on “Get a Quote”

Step 3: Choose car, home, or business insurance

Step 4: Fill in your details:

• Your ID number
• Your cellphone number
• Your email address
• Car registration number (for car insurance)
• Home address (for home insurance)

Step 5: Get your quote immediately on screen

Step 6: Choose your level of cover and excess

Step 7: Buy your policy online or request a call back

Option 2: Phone Quote

Call MiWay on 0860 64 64 64

Open Monday to Friday: 8:00 AM to 8:00 PM

Saturday: 8:00 AM to 1:00 PM

Option 3: WhatsApp Quote

Send a WhatsApp message to 0860 64 64 64

A consultant will reply and help you get a quote.

How to Submit a Claim with MiWay

If you need to claim, MiWay makes it easy. You can claim in three ways.

Method 1: MiWay App (Fastest)

Step 1: Download the MiWay app from Google Play or App Store

Step 2: Log in with your policy details

Step 3: Click “Submit Claim”

Step 4: Take photos of the damage with your phone

Step 5: Upload photos through the app

Step 6: Track your claim progress in real-time

Method 2: Phone Claim

Call the claims department: 0860 64 64 64

Open Monday to Friday: 8:00 AM to 6:00 PM

Saturday: 8:00 AM to 1:00 PM

Method 3: WhatsApp Claim

Send WhatsApp to 0860 64 64 64

Send photos and details of your claim

What You Need When You Claim

• Your policy number
• Police case number (for theft or accidents)
• Photos of the damage
• Details of what happened
• Date and time of incident
• Details of other parties involved (if applicable)

⚠️ Important Claiming Rules

Always be honest when you claim. If MiWay finds you were dishonest:

• Your claim will be rejected
• Your policy will be cancelled
• You will not get any money back
• You may struggle to get insurance elsewhere

Report accidents immediately. Don’t wait days or weeks.

Get a police case number for theft, hijacking, or accidents involving other people.

🚨 SCAM ALERT: Fake MiWay Companies

WARNING: There are fake companies pretending to be MiWay.

Scam: “MiWay Express Credit Solutions”

In October 2024, the FSCA warned about a fake company called “MiWay Express Credit Solutions”.

This company is NOT MiWay. It is a scam.

They offer:

• Personal loans
• Business loans
• Credit repair services
• Funeral plans
• Accident plans

They claim to be registered with NCR number NCRCP 9170. This is false. That number belongs to a different company in Tzaneen.

Do NOT do business with MiWay Express Credit Solutions.

How to Spot a Fake Insurance Company

Red Flag	What to Check
Email from Gmail	Real companies use their own email (e.g., name@miway.co.za)
Spelling errors	Especially in the company name
No FSP number	Check on www.fsca.co.za if the FSP is real
Unsecure website	Look for the padlock symbol next to website address
Asks for upfront payment	Real insurance never asks you to pay before getting cover

How to Verify Real MiWay

The real MiWay Insurance has:

• FSP Number: 33970
• Website: www.miway.co.za (with padlock)
• Owner: Owned by Santam
• Phone: 0860 64 64 64
• Address: 48 Sterling Road, Centurion, Johannesburg

Before you buy insurance:

1. Check the FSP number on www.fsca.co.za
2. Make sure the website is secure (padlock symbol)
3. Never pay money to Gmail or personal accounts
4. Get everything in writing

⚠️ If You Have a Complaint

If you’re unhappy with MiWay’s service, follow these steps:

Step 1: Complain to MiWay First

Phone: 0860 64 64 64

Email: marketing@miway.co.za

Give them time to fix the problem (at least 30 days).

Step 2: If Not Resolved, Contact the Ombudsman

Ombudsman for Short-Term Insurance (OSTI)

Phone: 0860 726 890 or 011 726 8900

Email: info@osti.co.za

Website: www.osti.co.za

The Ombudsman is free. They help solve disputes between you and MiWay.

Step 3: Report to FSCA

If MiWay breaks the law, report to:

Financial Sector Conduct Authority (FSCA)

Phone: 0800 110 443

Email: info@fsca.co.za

Website: www.fsca.co.za

MiWay Insurance Contact Details

Customer Service

Phone: 0860 64 64 64

WhatsApp: 0860 64 64 64

Hours: Monday-Friday 8:00 AM – 8:00 PM, Saturday 8:00 AM – 1:00 PM

Claims Department

Phone: 0860 64 64 64

Email: claims@miway.co.za

Hours: Monday-Friday 8:00 AM – 6:00 PM, Saturday 8:00 AM – 1:00 PM

24/7 Emergency Assistance

MiHelp Emergency Line: 08600 767 64

Available: 24 hours a day, 7 days a week

Use for: Roadside breakdowns, home emergencies, accidents

Head Office

Address: 48 Sterling Road, Samrand Business Park, Kosmosdal Ext 12, Centurion, Johannesburg, 0157

Email: marketing@miway.co.za

Online Services

Website: www.miway.co.za

App: Download “MiWay” from Google Play or App Store

Self-Service Portal: Login at www.miway.co.za

MiWayLife (Life Insurance)

Phone: 0800 64 54 33

Website: www.miwaylife.co.za

FSP Number: 45741

Regulatory Details

FSP Number: 33970

Owned By: Santam

Registered With: Financial Sector Conduct Authority (FSCA)

MiWay Insurance: Pros and Cons

✅ Advantages

• Fully digital – manage everything online or on app
• Competitive premiums starting from R350 per month
• 10% MiCashback if you don’t claim for 2 years
• Free 24/7 roadside and home emergency assistance
• Fixed premiums for 3 years (no annual increases)
• Multi-car and bundle discounts available
• Quick claims process via app or WhatsApp
• Owned by Santam (trusted company)
• High ratings on Hellopeter (4.57 out of 5 stars)
• Innovative features like pay-as-you-drive

❌ Disadvantages

• No physical offices – everything is online or by phone
• Some customers report claim delays
• Premium increases can happen if you claim
• Not the cheapest option for high-risk drivers
• Some complaints about customer service delays
• Requires good security for home insurance claims
• Mixed reviews on Trustpilot (2.8 out of 5)

MiWay is good if you:

• Are comfortable managing insurance online
• Want competitive premiums
• Can bundle car and home insurance for discounts
• Value 24/7 emergency assistance
• Want to track claims in real-time

Consider other options if you:

• Prefer face-to-face service at physical offices
• Have a bad claims history (premiums may be high)
• Need very specialized business insurance
• Want insurance from traditional banks

Most Important: Always verify you’re dealing with the real MiWay. Check their FSP number (33970) on www.fsca.co.za. Never pay money to companies you haven’t verified. Beware of fake companies like “MiWay Express Credit Solutions”.