Updated September 28, 2026 · SumCue Editorial Team
iCarHireInsurance vs MiWay
iCarHireInsurance
MiWay
Higher score in this comparison
Where iCarHireInsurance and MiWay differ
| Compare | iCarHireInsuranceReviewSee alternativesSee alternatives | MiWayReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Van | Auto, Home, Renters, Pet, Motorcycle, Breakdown, Home emergency |
| Provider type | Broker | Insurer |
| Monthly payments | No | YesHas it |
| Cover limit | Excess Europe: up to GBP 7,500 sum insured (single incident) | R15,000 to R60,000 per policy (pet annual limits) |
| Claims channels | Online claims portal | Mobile app, Self service portal, Phone, Whatsapp, Online form |
| Age range | 18-85 | 0-12 years (pet insurance: 0-8 years for Premium and Core, 0-12 years for Accident) |
| Premium from | £3.49 | Not confirmed |
| Excess from | Not confirmed | ZAR 5,000 |
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Key differences
- MiWay scores higher overall: 9.3 vs 8.7.
- Monthly payments: only MiWay.
- Insurance types: only iCarHireInsurance offers Van.
- Insurance types: only MiWay offers Home, Renters, Pet.
- Claims channels: only iCarHireInsurance offers Online claims portal.
- Claims channels: only MiWay offers Mobile app, Self service portal, Phone.
- Support channels: only MiWay offers Chat, Community.
Our verdict on each
iCarHireInsurance
iCarHireInsurance suits travellers buying car hire excess cover who want a low entry premium and online claims. Premiums start at £3.49 and support runs by phone, email and help centre, though monthly payments are marked no and the range stays focused on vehicles.
MiWay
Miway is a South African insurer rather than a broker, which suits households and drivers who want car, home, renters, pet, motorcycle, breakdown and home emergency cover in one place. Claims run through mobile app, self service portal and phone, and the car excess starts at ZAR 5,000.
Score breakdown
| Area | iCarHireInsurance | MiWay |
|---|---|---|
| Cost | 8.8HigherPremium from £3.49, monthly payments no, claims via online claims portal. | 8.7Car excess starts at ZAR 5,000, and pet annual limits run R15,000 to R60,000 per policy (pet annual limits). |
| Offer | 8.6 | 9.8Higher |
| Trust | 8.7 | 9.5Higher |
Side by side, item by item
| Insurance types | iCarHireInsurance | MiWay |
|---|---|---|
| Auto | Yes | Yes |
| Home | No | Yes |
| Renters | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Van | Yes | No |
| Breakdown | No | Yes |
| Home emergency | No | Yes |
Licences and countries
| Country | iCarHireInsurance | MiWay |
|---|---|---|
| South Africa | Not confirmed | |
| United Kingdom | Financial Conduct Authority 312172 | Not confirmed |
Additional countries for iCarHireInsurance: 1. Additional countries for MiWay: 1.
Positions in our rankings
| Ranking | iCarHireInsurance | MiWay |
|---|---|---|
| Insurance | 422 of 627 | 140 of 627 |
| Car insurance | 209 of 279 | 66 of 279 |
Sources behind this comparison
iCarHireInsurance
- icarhireinsurance.com: 11 facts, checked September 26, 2026
MiWay
- miway.co.za: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | iCarHireInsurance | MiWay |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Cover-More Insurance Services Ltd. | Miway Insurance Limited |
| Headquarters | United Kingdom | South Africa |
| Founded | 2009 | Not confirmed |
| Support channels | Email, Phone, Help centre | Phone, Chat, Help centre, Email, CommunityCovers more |
Where each stands against the rest
| Fact | iCarHireInsurance | MiWay | Median |
|---|---|---|---|
| Premium from | £3.49lowest quarter | Not confirmed | £7.73 |
Median across 36 listed providers.
Pros and cons
iCarHireInsurance
Pros
- Premium starts at £3.49, a low entry point for a single trip.
- Claims are handled through online claims portal.
- Support runs on email, phone and help centre, so phone, email and a help centre are all open.
Cons
- Claims run on online claims portal only, so a claim cannot be opened by phone or email.
- Home and life cover is not among its insurance types (auto and van), so the range is limited to vehicles.
MiWay
Pros
- Miway underwrites the policies itself as an insurer, so cover comes from Miway Insurance Limited rather than another carrier
- One insurer covers auto, home and renters
- Claims can be raised through mobile app, self service portal and phone without a branch visit
Cons
- The car excess starts at ZAR 5,000, so smaller claims leave you to pay
- Support runs on phone, chat and help centre only, with no in person option
- Pet cover carries an age cap, and the Premium and Core options cap it lower than Accident
Who each suits
iCarHireInsurance
Who it suits
- Travellers renting a car in Europe who want their rental excess covered.
- Anyone happy to start and track a claim through online claims portal.
- Customers within the 18-85 age range buying short term cover.
Who should look elsewhere
- bunq, listed at a premium from €0, is a euro banking product for everyday money rather than travel excess cover.
- Linxea, at a premium from €25, suits savers building a savings pot rather than people renting a car.
- bunq Spain, at a premium from €0, is the euro banking option for customers working outside the UK.
MiWay
Who it suits
- South African households with several policies to place, since the range covers auto, home and renters
- Drivers and pet owners who want monthly premiums from a single insurer
- Claimants who prefer an app and WhatsApp to paperwork, since claims run through mobile app, self service portal and phone
Who should look elsewhere
- Life cover seekers: Linxea writes life
- Anyone after health or gadget cover: Oney Préstamos ES offers health, life and gadget
- Travellers comparing cover: EuroAsia Insurance includes auto, home and travel
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 | iCarHireInsurance | MiWay |
|---|---|---|
| South Africa | No | Yes |
| United Kingdom | Yes | No |
Questions about each
iCarHireInsurance
How much does car hire excess insurance cost?+
Premiums start at £3.49 for the entry tier. The price moves with the length of the rental and the level of excess you want covered, so a longer European trip costs more than a short break. Run a quote for your own trip length and destination before you pay, and check the sum insured on each tier.
Can I pay the premium monthly?+
Monthly payments: no, so the premium is paid as a single amount for the trip rather than spread over the year. The starting price is £3.49. That suits anyone who prefers one clear charge and can set the money aside before travelling.
MiWay
What does Miway actually insure?+
Miway writes a broad personal book: auto, home and renters all sit under the same brand. That means a driver, a tenant and a pet owner can each find a policy without moving to another company, and Miway Insurance Limited is the entity behind every line.
What is the excess on car insurance?+
The excess starts at ZAR 5,000 on the car policies, which is the amount you contribute towards a claim. Budget for that on minor damage, and check your own policy wording, since a lower excess option can change the premium.
Other options to compare
iCarHireInsurance
MiWay