MiWay review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- One insurer for car, home and pet cover, paid for with monthly premiums.
- Insurance types
- Auto, Home, Renters, Pet, Motorcycle, Breakdown, Home-emergency↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- ZAR 5,000↗
- Cover limit
- R15,000 to R60,000 per policy (pet annual limits)↗
- Claims channels
- Mobile-app, Self-service-portal, Phone, Whatsapp, Online-form↗
- Age range
- 0-12 years (pet insurance: 0-8 years for Premium and Core, 0-12 years for Accident)↗
- Legal entity
- Miway Insurance Limited↗
- Headquarters
- South Africa↗
- Support channels
- Phone, Chat, Help-centre, Email, Community↗
- Pricing model
- Monthly
- Official website
- miway.co.za
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Elsewhere
- WikidataWikipediaXhellopeter.com
Pros and cons
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
- Monthly payments are available, and monthly is the only payment model listed under monthly
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
Ready to try MiWay?
Scored 9.3 / 10 by SumCue.
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
Safety of your money
Miway underwrites as an insurer, so the cover comes from the company that sells it rather than a broker placing it elsewhere. Its FSCA licence number is 33970, which is the mark to check before you sign. This is insurance rather than a savings account, so your money is the premium you pay, not a balance that grows.
Who runs it
Miway Insurance Limited is the legal entity behind the brand, and it sits in South Africa. Support runs on phone, chat and help centre, so help comes by phone, chat, email, the help centre or the community rather than in person. The FSCA licence is 33970, and insurers in South Africa also sit under the Prudential Authority.
How MiWay compares
9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 8.7Oney Préstamos ES covers health, life and gadget, a different set from the lines Miway writes.
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.7Linxea covers life, so it answers life cover needs rather than car, home or pet policies.
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.0
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.6
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.3
9.3 vs 8.2- 9.3 vs 8.0
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
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.
Can I pay my premium monthly?+
Monthly payments are available, and monthly is the only payment model listed under monthly. Paying by month spreads the cost of a policy across the year, which is easier on cash flow than a single annual payment for some households.
How do I make a claim?+
Claims can be started through mobile app, self service portal and phone, which cover a mobile app, a self service portal, phone, WhatsApp and an online form. The app and WhatsApp routes mean most of the process can start from a phone rather than a visit.
Is Miway regulated?+
Miway holds FSCA licence 33970 in South Africa, and insurers in the country sit under the Prudential Authority as well. You can ask for those details before you commit to a policy.
How much will pet insurance pay out?+
Pet annual limits run R15,000 to R60,000 per policy (pet annual limits), so the cap per policy sets the ceiling on a claim. Coverage also depends on the pet's age, since Premium and Core carry a tighter age limit than Accident.
How do I reach someone at MiWay?+
Support runs on phone, chat and help centre, which include phone, chat, email, a help centre and a community. That mix suits people who would rather start a claim in writing, and there is no branch counter listed.
Who is behind the Miway brand?+
The legal entity is Miway Insurance Limited, and Miway is based in South Africa. It is an insurer, so the company that quotes your premium is also the company that carries the risk and pays the claim.
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/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 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Premium from.