Get a car insurance quote

An excess is the amount you pay towards a claim. Choosing a higher excess may reduce your monthly premium.

If you have comprehensive car insurance, your insurer may cover the damage and recover the costs from the responsible driver where possible.

You can get a personalised car insurance quote online in just a few minutes.

The better question is ‘why not’? With our comprehensive car insurance cover - including accident damage, theft, and natural disasters - we also give you free 24/7 roadside assistance, six free rides home in your own car after a night on the town, a quick claims process, and flexible add-ons and extras so you can do things your way.

Our car insurance covers a wide range of incidents, from accidents and theft to fire, natural disasters and more. You can customize your cover with add-ons like window and glass cover or credit shortfall, and you get free 24/7 help with roadside emergencies included in your cover. Here’s a quick look at what’s covered:

o   Accident and intentional damage

o   Theft and hijack

o   Fire and explosion

o   Free emergency alert (Only via the app)

o   Earthquake, storm, hail, flood and snow

o   Window / glass cover

o   Replacement of locks & keys (On valid claims only)

o   Towing and storage costs (Reasonable)

o   Wedrive (Take-me-home service x 6 each year)

o   Mihelp 24/7 roadside help

o   Liability to other parties

The cost of your car insurance depends on a bunch of ‘risk’ factors, like your age, your driving experience, your car’s make and model, and its location in the day and at night. Together, these factors will help us set your monthly car premium.

Miway offers three main car insurance options to choose from, depending on what you need and what you can afford. These are: Comprehensive, Lite, and Total Loss.

We set your excess at a standard R5 000 because we want to make sure you can afford this out of
pocket expense when you make a claim. However, we give you the freedom to dial your excess up or down.  Just remember, the lower your excess, the higher your monthly premium payment, and vice versa. Whatever you decide to set your excess at, just make sure you can afford it as a single lump sum payment when you claim.

We do and it’s a great add-on to your policy, as it covers the gap (shortfall) between the money you still owe on your car, and the amount your insurer will pay out if your car is written off or stolen.

Basically, we’ve created different types of cover to match your budget and your needs. Comprehensive cover gives you all the bells and whistles but will cost more than Miway Lite, for example. You can click here for a complete overview of all our cover options.

Yup! As long as the information you shared with us is accurate, your quote will be too. Of course, while your quote is final, you can always add on Miway Extras or change your policy at any time through the Miway App or our Self-service portal.  But the premium we quote you is exactly what you’ll pay, no hidden fees or surprises.

We make it so easy for you to claim. You can do it anytime via our Self-service portal or on the Miway App – you’ll be able to upload all your pics and docs there. Or you can chat to one of our Claims agents on 0860646464 during office hours. They’ll take you through the entire process from end to end.

Your excess is what you’ll need to pay out of your own pocket in a lump sum payment when your claim is approved. You may have additional excesses on your policy coversheet, depending on what you signed up for. So always check your policy details to make sure what’s needed when you claim.

Nope, you do not need to be the regular driver to insure your car with Miway, but you do need to add the regular driver’s details to your policy.

Yes, you will be if they have a valid driver’s licence and your permission to drive your car. Please check your policy or call our Client services agents, though, as additional excesses may apply.