Insurance Articles

Self-service insurance claims

Written on February 25th, 2010 by admin
Categories: Insurance Articles

MiWay is all about doing insurance your way. And MiXpress is our way of putting you in the driver’s seat of your insurance portfolio. MiXpress, The MiWay Client Self-service portal is now available for lodging your claim online and the tracking of your claim online.

How to access MiXpress and lodge your claim online?

Please use the Client Login Form (to your right) to access the MiXpress Self Service Portal.
Already Registered Users. Please use your email and password to login.
Unregistered MiWay Clients. Please use the “Register” option to register.

Once logged in, select the “Log a Claim” menu item to lodge your claim.

With MiXpress you can now:

  • Add new cars or household items.
  • Keep your contact information up to date.
  • Change your address when you move – important to always let us know when you move, as this might mean a reduction in premium.
  • Buy additional add-on cover such as MiWay’s new MiSmart product
  • Lodge your claim online

Why choose MiWay for your insurance needs?

  • We offer cost-effective, great value-for-money insurance products
  • The products are simple to understand, no fine-print and no percentage-based excesses
  • We offer multiple ways for you to interact with us – via our call centre and online: 24/7/365
  • We guarantee your rewards if you are a good risk client of MiWay
  • Our claims process is efficient and hassle-free.
  • With MiDriveStyle through MiWay, your premiums ARE NO LONGER based on how others drive, but rather determined by your individual Drivestyle.
  • MiWay allows you to fix your car insurance premiums for a period of 36 months!*

*Terms & conditions apply

Tags: , , , ,
Posted in Insurance Articles | Comments Off

What does a moment’s silence for excess mean?

Written on February 12th, 2010 by admin
Categories: Insurance Articles

An excess is an integral part of having insurance, unfortunately paying an excess coincides with having an accident or experiencing the loss of an asset.

What is an excess?

An excess is an agreed amount of money that you the client is liable to pay in the event of an insurance claim being settled. I.e. If your excess on your car is R3,000.00, and the damages amount to R50,000.00. MiWay will pay the remaining R47,000.00 once you the client has paid your excess to the repairer.

MiWay gives you an option to discount your premium by choosing a higher excess. We offer flexible, innovative and affordable car insurance, we even allow you to fix your car insurance premiums for a period of 36 months!* No more worries about unexpected expenses due to an increase in your car insurance premium.

Start saving today! Use the options to request a call-back and we will call you to complete an obligation-free insurance quote from one of our agents.

Alternatively use the “Online Quote” option where you get an automatic 10% discount on car insurance and where you earn rewards for completing the quote online.

Why do you have to pay a car insurance excess even if it was not your fault?

An excess is payable whenever a claim is submitted and it is the first payment that needs to be made in the event of a claim – regardless of whether it was your fault or not. The administrative cost of a car insurance claim is the same, regardless of who is at fault. If you are not at fault, you can claim the excess amount back from the guilty party. Unfortunately, this can take a long time, especially if the guilty party isn’t insured. MiWay’s legal recoveries department will do their utmost to recover your excess free of charge.

There are certain circumstances when an excess cannot be recovered, for example:

  • You the insured does not have the guilty parties details
  • The guilty party does not have any income or assets to attach
  • The legal costs outweigh the recovery costs (excess amount)
  • The guilty party cannot be traced
  • The merits of the claim do not justify the recovery of the excess

Tags: ,
Posted in Insurance Articles | Comments Off

MiWay Accident Insurance

Written on December 2nd, 2009 by admin
Categories: Insurance Articles

Taking into account the alarmingly high rates of road accidents on South African roads, not having adequate accident insurance is a risky choice and since an average of 39 motor vehicles are hijacked on a daily basis, car accident insurance is by no means a luxury, but a necessity.

MiWay appreciates the fact that a number of car owners find that accident insurance is unaffordable and to this end, MiWay, which is an authorized financial services provider gives South African consumers a choice of affordable accident insurance cover that will provide the peace of mind that should their motor vehicle be involved in an accident it will be adequately covered.

Accident insurance packages through MiWay have been structured in such a way as to allow consumers to choose to have their motor vehicle insured at retail value or market value. Most of the motor accidents are due to a total disregard for the laws of the road, and without the right accident insurance, many South Africans would be stranded and few would ever be able to find the money needed to replace their cost, and worse settle the costs which result from an accident.

MiWay is an authorized South African financial services company and this allows them to offer consumers access to various types of financial products and services, ranging from short term insurance to motor warranties. When motorists are covered by accident insurance through MiWay, they can enjoy affordable premiums along with exceptional service and even free roadside emergency assistance in the event that the insured motor vehicle breaks down. Visit the MiWay website, www.miway.co.za, and find out more about MiWay, one of the first insurance providers in the country that gives clients the ability to activate their accident insurance online. If you have recently purchased a motor vehicle or you are simply trying to compare premiums for accident insurance, put MiWay to the test and let us deliver the lowest rates on car insurance and accident insurance.

MiWay’s accident insurance will effectively cover the loss or damage done to a motor vehicle as a result of an accident or as a result of theft and our car insurance policy covers any losses which are incurred due to natural disasters, such as hail damage or damage caused by floods. Since MiWay appreciates that many of their clients are stranded without their motor vehicles, our accident insurance polices also has a car hire option. The cost effective short term insurance products offered through MiWay, give the South African consumer the ability to manage all of their short term insurance needs through a user friendly web interface.

Tags:
Posted in Insurance Articles | Comments Off

Why Buy Accident Insurance?

Written on November 12th, 2009 by admin
Categories: Insurance Articles

No matter how hard we try as we go through life, at some time or another we are bound to have an accident. You could be going for a walk or a simple drive to do your weekly shopping, in the end it does not matter what you are doing and it may not even be your fault. By the very nature of their name it is not possible to completely eliminate accidents from your life. What you can do is to make sure that you are properly prepared by having an accident insurance policy for when they do occur.

There so many different kinds of accidents that you can become involved in and public roads are more than likely one of the most dangerous places that you will encounter on any given day. If you happen to be the one who is found be at fault, you will need adequate accident insurance coverage in order to pay the bills. You may end up being responsible for damages and medical expenses that you would be expected to pay if you were not insured.

Depending on the type of accident insurance you choose take out, at least the bills for the other people involved in the accident will be taken care of so that you do end up with catastrophic bills that you cannot afford to pay. As long as you make your premium payments on time you will always have the peace of mind that comes with knowing that you are covered.

With the number of people riding motorcycles and scooters on the road these days due to the high cost of petrol, the chances of getting in an accident have skyrocketed. Many of these motorcyclists do not see the need to carry adequate accident insurance or carry none at all. If you are involved in an accident with anyone who does not have insurance or not enough insurance, you may end up having to pay your own bills unless you have accident insurance coverage.

If you should become involved in a severe accident and suffer a devastating or life changing injury, it may have a devastating effect on you and your family. If you can no longer work to support your family, what would they do? Even if the other person involved has some coverage, if it is not enough, your family could suffer. The best way to prepare for this eventuality is to make sure that you have sufficient accident insurance to help you take care of your family.

When you go to look for accident insurance, whether it is for your car, your motorcycle, yourself or any other reason, you need to find an insurance provider that can offer you a wide variety of services. At MiWay we take great pride in being able to provide a full range of insurance products all under one roof. MiWay is the first insurance provider in South Africa to provide you with the ability to get an insurance quote online and purchase it at the same time. When you are finished with your purchase, your insurance will be instantly activated.

Tags:
Posted in Insurance Articles | No Comments »

Women Insurance

Written on November 10th, 2009 by admin
Categories: Insurance Articles

MiWay insurance offers men and women insurance that offers you a way to save on your insurance premiums for your home, auto, or personal products. They offer cost-effective, great value-for-money insurance products that are simple to understand, No more having to read the fine print to understand what your policy offers you. You will find the coverage you need for the lowest premiums. You will also take advantage of the MiRewards program that allows you to take advantage of the rewards even when you have to make claims. They believe that you should only pay for the premiums that are based on your individual driving style, not on that of others.

The MiDriveStyle program will be an advantage which provides men and women insurance benefits at a great value. A Zhaker is a MiDriveStyle early warning, anti-theft and tracking device that is used to prevent theft claims. Even if you aren’t a MiWay client, you can have the Zhaker unit installed as a very reliable and highly sophisticated anti-theft and recovery device. Being a MiWay client does mean that you will benefit by having the opportunity to control your premiums through safe and responsible driving. If you are involved in an accident, your MiDriveStyle device will be inspected to test that it is functioning correctly. If it is damaged, MiWay will replace the unit.

When a man or woman cancels insurance coverage with MiWay, the unit will remain the property of MiWay and you will have to have it uninstalled by a MiWay appointed technician. You can also choose to continue using the unit as an antitheft and tracking device. To get the biggest advantage and to receive the lowest premiums for a man and woman, insurance should continue to be carried through MiWay. When you sell your car, you can transfer the unit to your new car or you can have the unit uninstalled by a MiWay technician.

MiWay believes they offer the better deals to women on insurance due to their regular low premiums and the MiDriveStyle program. Your premiums are based on your driving record and not on that of others. If you don’t have any accidents, you will benefit from a good driving record. If you are a good risk client of MiWay, you will be rewarded for it. As long as you are an active client, you are a good risk when you pay your premiums regularly, take out multiple products and have an acceptable level of claims. These factors, along with some others, allows MiWay to reduce its administration and marketing costs over time and to better allow for your risk as a policyholder.

Women deserve the insurance premiums that they earn with their driving record and the behavior they show as a client at MiWay. You want to get the best value for your money with all of your insurance products and that’s what MiWay offers. Once you have been assumed as a good risk client of MiWay for three years, you are guaranteed to have at least one month’s premium available for spending in Miyas. If you want to find out more or to get a free online quote, go to www.miway.co.za.

Tags:
Posted in Insurance Articles | No Comments »

Vehicle Insurance

Written on November 10th, 2009 by admin
Categories: Insurance Articles

If you’re looking for the best vehicle insurance out there, there are going to be a few things you’ll want to consider. You don’t want to just find one company and assume that they’re your best bet. The reality is that you need to find a company that’s not only going to offer you the best rates, but that’s also going to be able to offer you the best service and the most convenience. In order to achieve these two important goals, you’ll want to consider the following factors to choose the right company.

Get the Best Rates For the Coverage You Need

Of course your primary concern when looking for vehicle insurance is likely going to be getting the best rates. Be sure that you’re actually getting the best value though. Some companies will offer what seem to be rock bottom rates. However, once it comes time for a claim, you’ll find that your coverage is virtually non-existent. Be sure to compare the value of policies, that is the coverage you get for the money, instead of just comparing prices for policies that might not offer the same coverage.

Get Rates That Are Easy to Understand

Another thing to consider as you choose the best rates for vehicle insurance, is that you don’t want to have any surprises. Some companies will offer what seem like great rates and the coverage will seem to be exactly what you’re looking for. However, once you get your policy and begin to start paying your premium, you’ll discover that there are hidden fees. These fees can really add up and make a policy not nearly as good of a deal as you’d thought. Choose a company like www.miway.co.za with clear rates.

Choose a Company That Makes It Convenient

You want to get vehicle insurance from a company that will make it easy to get covered. Some companies have long, drawn out procedures just to get the coverage you need. This can lead to not having coverage as quickly as you want it, or to having to fill out long and confusing forms. Choose a company that let’s you instantly and easily activate your own policy, right online, in order to not only get coverage quickly, but easily as well.

Choose a Company You Can Contact

Some companies will provide you with vehicle insurance quickly and easily online, and their rates will seem to be great. However, if you have a question or a claim, you can find them virtually impossible to get a hold of. The best way to avoid this situation is to choose a company that’s going to give you both online access to their customer service, as well as a phone number to call. This provides the most flexibly and convenience for any time you have a question or concern.

As you can see, finding the best vehicle insurance requires considering a few things. If you follow the above tips, you should be well on your way to getting the coverage you need.

Tags:
Posted in Insurance Articles | No Comments »

Motor Insurance

Written on November 10th, 2009 by admin
Categories: Insurance Articles

MiWay is an authorized financial services company that offers a full range of financial products and services direct to the consumer. Their initial offering includes short term insurance, motor warranty insurance and credit life. There are also long term plans to extend this offering to create a complete array of services all under one convenient umbrella. All of the short-term insurance products are underwritten by Centriq Insurance Co Ltd. MiWay is a unique insurance provider due, in part, to the convenience they offer. They have harnessed the power and convenience of the Internet and they aim to empower you to buy and manage your financial services portfolio online at your convenience.

When you enjoy the motor insurance options from MiWay, you will also have the ability to earn rewards whether you have a claim or not. They realize that sometimes accidents occur and are not within your control. They won’t penalize you for circumstances that might not be in your control but instead they offer you a reward with a premium refund when you turn out to be an even better risk than they had assumed.

Your motor insurance and other coverage will be through a single supplier that only requires you to supply your information once. They will use the information they already have about you to eliminate the time and effort normally associated with buying additional products from multiple service providers. You only have to provide your information one time! They also provide you with a commitment to transparency and openness. They have a public compliments and complaints forum where they publicly address any service complaints customers might have.

The motor insurance on your car will be flexible to cover the losses that are primarily due to an accident or theft in addition to accident or theft. MiWay also offers comprehensive car insurance to drivers in South Africa which covers losses due to fire and explosion, natural disasters like hail and floods and damage to the vehicle’s glass. You can also take advantage of additional options such as car hire and cover for non-standard sound systems and car accessories which can be added to your motor insurance for your car.

Affordable premiums are one of the biggest reasons clients get their motor insurance from MiWay. They also offer a low flat excess, which is the amount that you agree to pay in the event you have to place a claim and MiWay pays the balance. You will always get great service from MiWay and that includes their hassle-free claims process. Their unique MiRewards program lets clients earn rewards whether they have claims or not. You will also get free roadside emergency assistance and receive an automatic 10% discount on your motor insurance by buying online.

Whether you need motor insurance for a vehicle that is used for private or social purposes, professional use, business use or more than one reason, MiWay is your best resource for the customized policy you need. Go to www.miway.co.za and see all the great advantages that you will have when you choose MiWay for your motor insurance.

Tags:
Posted in Insurance Articles | No Comments »

Insurance for Women

Written on November 10th, 2009 by admin
Categories: Insurance Articles

Finding insurance for women can sometimes be a different process than finding insurance for other demographics. If you’re a woman and you’re trying to get the best insurance premiums, there are a few things you’ll want to consider. As you’re going through the various companies out there that are providing opportunities for insurance, keep the following factors in mind in order to choose the best policy for your needs.

A Low Price is Good – So Long As the Value Is High

One of the most important things to consider when getting insurance for women is that you’re not just getting a low price, but a good value as well. A low price can be so tempting that too often people will end up assuming that the lowest price is best, only to discover that they’re not getting the coverage they want. Paying little means nothing if you’re not getting what you want and need. Be sure that you’re comparing values and not just prices.

Small Print Can Be Misleading – So Avoid It

Most people will tell you that if you want to get the best overall value on insurance for women, you’re going to have to be sure to read the fine print. However, this advices assumes that you must have to deal with a company that has small print in the first place. In actuality, you want to work with a company like www.miway.co.za that doesn’t have small print or hidden fees. Their policies are easy to understand so that you’ll know exactly what you’re getting and how much you’re paying.

Get All Your Bases Covered In One Place

To save both time and money, it’s best to find insurance for women with one company that can provide numerous types of policies. On one hand, you’ll only have one company to remember when you need to call with a question or concern. You’ll also only have one company to pay, which streamlines the process. Finally, you’ll likely find that most companies will offer you a discount if they offer several types of coverage and you take advantage of those coverages.

Customer Service is Important

Don’t underestimate how important it is to choose a company that provides excellent customer service on their insurance for women. The last thing you want is to get into a situation where you have a question, concern or a claim and you simply can’t get a hold of the company you’re working with. Choose a company that has customer service both online and on the phone, and that you can deal with at any time you need to, day or night.

Consider Their Reputation

You want to work with a company that has an excellent reputation of providing quality insurance for women. Choose a company that has a section of their site where people can write about their experiences – good or bad – so that you can get a real and accurate idea of what you can come to expect from the company in question overall.

Tags:
Posted in Insurance Articles | No Comments »

Insurance for Car

Written on November 10th, 2009 by admin
Categories: Insurance Articles

Having insurance for car and vehicles is important. You don’t want to be caught without it, and end up getting into an accident that you can’t buy your way out of. However, finding the best insurance can be confusing and difficult for some people. If you know that you need coverage, but aren’t sure how to find it, there are a few things you’ll want to look for in any company you consider. Use the following tips to help you find and selection the best company for your specific and particular needs.

Compare Values of Insurance For Car – Not Just the Rates

One of the most important things to consider is that you need to compare the actual value of various policies, not just the prices. For example, you might find an extremely low rate for car insurance, but if that coverage doesn’t actually protect you in the event of an accident, you may as well not have had coverage at all. If you compare what you’re actually getting from a company, and then compare how much they charge for that particular coverage, you’ll end up finding a much better deal overall.

Make Sure There Aren’t Any Hidden Fees or Exceptions

One way that comes companies can get you on insurance for car, is by giving you one price when you sign up, and another one entirely when you got to pay your bill. This can be caused by hidden fees or maximums that weren’t clearly outlined. What you want to do to avoid this situation is to choose a company like www.miway.co.za that’s going to offer you easy to understand policies, without the confusing small print, or hidden fees that will add up and give you a much worse value after all.

Consider How Convenient It is To Shop With a Particular Company

Another thing to consider is how easy it is to shop for insurance for car. Some companies make you fill out form after form, or require you to go into their office to get your policy started. Choose a company that’s going to offer you the coverage you want, right online. You should be able to fill out your forms, on a secure connection of course, and activate your own policy right online. This is not only easier for you, but it prevents a situation where you end up not having coverage for weeks at a time.

Consider How Good Their Customer Service Is Going to Be For You

It’s a story as old as time – you give your money to a company for their services. Everything seems to be fine – that is until you need to contact them. When you’re looking for insurance for car, you want to be sure that you’re able to contact the company you sign up with, either by phone or online. In a perfect world, they would offer both online and phone support. This provides the most convenience and flexibility for you, and ensures you’ll get the best service from the company you choose.

Tags:
Posted in Insurance Articles | No Comments »

Insurance Cover

Written on November 10th, 2009 by admin
Categories: Insurance Articles

When you need insurance to cover various items and things in your home, there are a few ways that you can go about it. Many people end up having numerous companies for their various types of coverage. Others choose one company, but find that they don’t get the most competitive rates. Your goal should be to not only get the convenience you want in an insurance policy, or policies, but to also get the rates you want, and the convenience you need. Read on to learn how you can do so.

Compare the Values of Insurance to Cover What You Need

Don’t fall into the trap of assuming that the lowest rates you can get are going to be the best rates. If you pay very little for your insurance, but aren’t adequately covered, it doesn’t matter how low those rates are – you’ll be getting a terrible value. The best way to shop is to first consider what level of insurance you need. You’ll then compare prices for that level of insurance, and will be able to get the best value by choosing the right price, on the right policy – not just the cheapest policy that you find.

Don’t Read the Fine Print – Choose a Company That Doesn’t Have It

One piece of advice you’ve probably heard a million times is to read the fine print. However, when it comes to insurance to cover your home or car, you don’t want to read the fine print – you want there to not be any fine print in the first place. Choose a company like www.miway.co.za that offers clear and easy to understand policies that don’t have fine print or hidden fees. You don’t want to get a surprise either on the coverage you have, or the price that you’re paying to get that coverage that you have.

Shop With One Company For the Most Convenience and Best Prices

If you need insurance to cover your home, or your car, or your contents, it’s likely that you need another kind of insurance as well. There are several reasons that it’s typically best to shop with one company who can meet all of your needs. First of all, you’ll find that its’ simply more convenient to pay one company than to worry about paying numerous premiums. Second of all, you want to make sure that you’re getting the lowest prices, which one company can typically offer you if they’re the best.

Be Sure That Your Bases Are Covered And Customer Service is Good

There are two things you want to look for in the customer service you choose when you look for insurance to cover your needs. First, their customer service should be around 24 hours a day, 7 days a week, every day. Second, they should provide customer testimonials right on their site. Be sure you’re choosing a company who posts both the good and the bad, so you can get a real idea of how they’re going to work for you in the long run.

Tags:
Posted in Insurance Articles | No Comments »

« Older Entries
0860 64 64 64
MiWay Insurance Limited is an Authorised Financial Services Provider (Licence number:33970).