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Frequently asked questions
- Frequently asked questions
- I do have a policy with MIWAY, and I was involved in an accident with the third party who does not have an insurance, do I have to lodge a claim with my insurance and claim the excess from the third party or do I just pay an excess then MIWAY will follow up with the third party?
- What is the difference between business use and professional use on motor vehicle insurance?
- is mymotor warranty free with all vehicle insurance?
- Do you have to pay additional excess if you are between 25 and 30 years of age? For vehicles under R150 000, will additional excess have to be paid if a tracking device is not fitted?
- I’ve got a valid learners license up until later next year (2010) and I’m busy with my driver’s license so can I insure my car with you guys, if yes can you tell me how do I go about that.
- 1. What factors wil influence my rates 2. What effect on the premium of the age of the driver 3. The effect of driving experience 4. Teritorial limits 5. Limits of liability cover 6. Stated benefits 7. No claim bonus/cash back bonus? 8. Extensions to cover available 9. Excess structures 10. Vehicle usage options 11. Restrictions imposed Please can you assist me on these questions Thanx
- if my side mirror gets hit by a passing motor bike driver, and the cost is less than my excess how will the claim be handled. keeping in mind that i have no details of this guy as he drove off and also didnt have a number plate.
- I have a 4×4. If i wish to use it off road is the premium higher than if I don’t.
- my vehicle was involved in an accident while being driven by my spouse who is not a regular driver and has a learners’ license. There was another fully licensed person in the car at the time of the accident. Will MiWay repair the vehicle
- What is Insurable Interest?
- i live in a rural area and i want home insurance is it possible to have one with you
- I have second hand alfa romeo with 70k km on the clock. i understand i have to have the inspected to determing premium and all, but i just want to know the range of price if paid R43000 and everything else is in ideal condions, i.e, my age, driving experience and all other factors. I just want to have an idea of the lowest and/or highest possible i can be expected to pay.
- Does MiWay also charge more, simply because you’re a new driver or that you have just received your licence???
- I stay in a rented flat can I still get house insurance even if i don’t own the property.
- Where about are your inspection outlets?
- What happens on the anniversary of the premium?
- I might be selling my car which I insured with Mi Way in January 2009, can I cancel the policy and what are the pro’s and cons?
- My car was being driven by my friend and was involved in an accident – does MiWay cover that?
- what does it mean when they say 20% residual amount is R20 000?
- I just want to find out that your Credit Life product, does it only cover car finace debt or can it cover any loan debt as well?
- Good Day. I am currently insured with MiWay and was recently involved in an accident with someone who is not insured. None of us admitted to guilt as we were not sure who was to blame for the accident. He was coming out of a parking bay on the left hand side of the road and I was traveling down the road in the middle lane,I then changed to the far left lane and that’s when the accident happened. Who is liable for the cost of repairs in a case like this?
- What is the “standard time frame” of which you pay out?
- What happens if my car is stolen? Written off, etc? Is there a waiting period for stolen cars? Is there a waiting period for cars that are write offs?
- If I have a cover with Miway and included the car hire option. When my car breaksdown due to machanical/electrical faults which were so serious that my Service Centre cold not repair and require a specialised auto electrician, Can I get car hire whilst my car is being attended to?
- Will you still insure my car if i had been sequestrated? 7 years ago
- Is it compulsory to have an immobiliser in your car to get car insurance?
- Do you cover electric appliances for lightning damage, things like a radio and Tv?
- I have a thatch roof rondawel attached to my house. Can you provide insurance? The house is on a farm in Elgin
- Hi i’ve heard a number of stories about assessors valueing certain items in one’s household contents by using a formula. e.g. for clothing they decide on your most common label like Edgars and then they value R100 per item multiplied by the number of hangers in one’s cubboard. This doesn’t sound logical. Once I have a long list of every item in my house, how do i know that i’ve attached the right value to them? another example is the tv unit that i made myself. The materials cost me about R1000 but what would an assessor value it at? do i submit my list of items to you or do i use it as a guide to give you a final number. My concern is if i claim, will an assessor have another opinion on my valuation and will I be left short paid. Your advice will be much appreciated. thanks. P.s. i have a garden shed in my couryard in my complex. it has my garden tools, golf clubs and some power tools in it – all locked with a padlock. Will this be insured?
- Good day some one at MiWay called me for insurance but one question are MiWay taking my insurance over from where i am insure for more than a year will MiWay go on with my insurance or should i start over with MiWay and lost my year insure
- Do home owners policies generally cover damage to property (autos) by rodents? How about auto comphrehensive policy?
- What happens in the case where someone hits another car while they have been drinking and driving? Does the other person go to their own insurance company? Does third party pay for the other persons car? Please advise.
- I was involved in an accident which was my fault. I have no insurance, and the other party brought me a quote from panel beaters which he wants me to pay (R5,383). He says he does not want to claim from the insurance as they have claimed for 2 vehicles this year already and another claim will increase his premium by 8 or 9 thousand rand. If I admit that the accident was my fault, why would his premium be increased?
- Does MiWay Insure Code 3 (Rebuilt) Vehicles? and if so, will the premiums / excess be higher than a normal car of that model/year?
- do you insure vehicles that have been rebuilt
- Can a person under 25 year’s old with a valid learner driver license drive my vehicle while accompanied by me, the regular driver? and will MiWay pay the full claim if this person is involved in a MVA and there is claimable damage caused to the vehicle?
- Can I re-instate my policy with MiWay if I cancelled it before?
- I have insured 2 cars with my way and would like to know if I can add my cellphones onto the cover?
- What would happen if my house gets flooded, and I tried my humanly best and managed to save most of my possessions, what if I do not have anywhere to move it to and limited time to move it and due to exhaustion decide to just give in would my claim be repudiated?
- I have bought a brand new vehicle in Feb 2009 which I insured with MiWay,it went for its first service of 15,000km and they suspecting that there is a fault with the gearbox they do not have a courtesy vehicle, if we do not have any other option can miway help us with a courtesy vehicle while our vehicle is being repaired.
- Does MiWay offer insurance for rental vehicles. a small fleet for both privately and company owned vehicles.
- I have a vehicle that is imported from Lesotho but cannot be registered in South Africa and need to insure the vehicle in South Africa because i live here. It is for my personal use.
- Can I insure a stolen and recovered vehicle with MiWay
- Can l pay my insurance premium through cash deposit?
- Do you cover any mechanical/electrical repairs on the car
- I have heard that there is insurance that pays the outstanding amount on your finance agreement should your car be written-off and the insured value your insurer pays to settle a claim is less than the outstanding amount?
- While a vehicle is been repaired after an accident or a breakdown, does MiWay offer a car to be used until it’s done?
- Is it true that MiWay has different access amount, depanding on what time of day the accident took place, and the day of the week (i.e weekend. Also is it true that you give low premiums to attract new client only to increase the premiums extensively at the next review period.
- If I go for an advanced driving course does this affect my premium? and how?
- Who underwrites MiWay and how long have you been in operation, please?
- What vehicle tracking companies are supported by MiWay?
- I have had an insurance some 7 years ago. This had been cancelled due to a so called ‘invalid claim’ which was due to influence of certain individuals. Can I now possibly recommence a new policy for my car? I am 66 years old, have my own freehold property and am employed at a University in Durban Thank You.
- What will happen if you dont have proof of the contents that you bought a long time ago, meaning that you threw away the recipts .Will the insurance still pay even though you dont have proof of purchase?
- What happens if i don’t take my car to an Inspection?
- If I started my Comprehensive car insurance policy on 1 March 2010 and my personal circumstances have changed and I now need to change my policy to Third part, fire and theft cover. How do I go about doing this? Do i get penalised? What are the implications on my policy and premium if any.
- how long does Miway take to finalise/ authorise claims
- How can I obtain a list of the ratings that different cars and models are measured by? I’m returning to SA and want to buy vehicles with the lowest rating…not to save money with MiWay…but to be safe!
- if my tv is struck by lightning and no longer working what would the procedure be to claim and if i no longer have the receipt for that tv
- I have the insurance policy from miway called light wheels. What exactly does this cover?
- Can my spouse take out car insurance if my policy was cancelled by the company due to a claim not being accepted.
- Where do I take my car to be inspected?
- My husband hit a post at the car wash and it left a dent in the front of our truck I decided not to claim it in my insurance but now I regret it. Is it too late to claim it even if I got our truck fixed? but I do have a receipt to prove that it was damaged.
- What is the difference between the retail, trade and the market value of my vehicle?
- What happens if I was involved in an accident and the car was written off, but according to my panelbeater, the car can be fixed?
- Why do you say that MIWAY does not penalise you when your a young driver on tv,but on your website its stated otherwise?
- I live with 2 friends in a flat. How do I go about insuring my household contents?
- Is it compulsory to have a “Tracker” device installed with miway cover and what device do you install? What is the functionality of this device?
- i have 2000 model car,can i insure it
- Does Miway provide cover for Motorcycles or not?
- HI IF I GOT A SHORTFALL INSURANCE WITH MIWAY AND THE OTHER INSURANCE COMPANY AND I AM BEING IN A SUTUATION THAT MY CAR IS A WRITEOFF ,AND COMPANY IS PAYING IT OFF .IS MiWAY GOING TO PAY ME BACK THE MONEY THAT WAS SUPPOSED FOR THE FINANCE HOUSE
- Hi there, i am currently insured with one of your competitors and have received an increase of 18% on my premium after a year – I think that this is a ridiculous amount, therefore i am looking to change insurance companies however would need to know what premium increase to expect before signing a contract?
- I would like to determine the Retail & Market Value of my vehicle, however unsure where to find this information!
- In the event of a theft claim, will you require invoices/receipts for the goods that have been stolen? please advise.
- Is the 3rd party also insured? If I were to hit into another vehicle will my insurance pay for the other vehicles repairs as well as mine?
- Why does my premium increase every year even though the value of my car is depreciating?
- would my excess differ when i get an accident outside south africa
- Do you have to pay excess on a chiped windscreen repair if you have comprehensive cover with MiWay.
- once my claim has been approved, when is my excess balance due?
- Should i be stuck on the road over the weekend, will MiWay ask me to pay the tow truck on the spot or is that included on the insurance monthly premium?
- When a vehicle is repaired after an accident do they replace original parts from the agents or aftermarket parts?
- Where should I take my vehicle for inspection? I am based in Midrand.
- Can my age affect my premium, specifically if I am a young driver?
- I have items in my household which i have lost receipts for which i have had for years. Eg TV . How do i cover them with my way and how does MIway decide on the value of these items?
- what is the benefit of Not taking our insurance cover
- Is it true that my marital status can affect my car insurance premium?
- Will I be covered in the event that my home contents are damaged due to a power surge?
- What factors are taken into account in determining what car insurance premium I pay?
- Can the fact that I am a pensioner affect my premium and excess that I pay.
- When my vehicle is damaged in a collision, can I have it repaired at the panel beater of my choice?
- Am I covered if I lock my keys in the car?
- I’m planning to buy a second hand Dodge Caliber and I will be turning 40 in November. which insurance cover do you suggest
- Can you cancel my insurance if my claims are more than my premiums over a 3 year period?
- Hi i recently bought a 2010 MODEL and I am 23 yrs old. I know my risk it’s too high, can i insure the car on my father’s name? He does have a valid drivers license, or does the car has to be tranfered to his name?
- My husband and I bought a car for my sister in law. Her parents offered to pay the insurance, but the car is in my husbands name. Can my father in law insure it in his name or should the insurer also be the owner of the vehicle?
- What are the different types of car insurance?
- What is the difference between theft/hijack cover and additional theft cover? Also why is it compulsory to take the R25k accident benefit. Can you please explain.
- Do I qualify for a reduction in my premium once I have turned 25?
- if you claim and you have a courtesy car for 30 days, why do you have to take the car back on the same day you recieve the vehicle back? Surely we pay it every month and should be able to keep the courtesy car for the 30 days max? pls explain?
- how long does it take you to pay out after i have been in a accident?
- why do all other companies offer 24 hour household, medical and legal assistance with the motor policy except MIWAY? I was under the impression that its included aswell.
- I recently hit an animal on the road and it damaged my car. Will I be able to claim for the damages? I have comprehensive car insurance with MiWay.
- I cannot find my prescription sunglasses, to what extent are they covered on my household contents section.
- Do I have to pay for towing and storage costs? How long does a claim take?
- my husband drove my car and got in an accident. he is not the regular driver, but he is older than 24. what is the excess going to be – R2500 or R5000?
- I am 23 years old, and bought a 2009 car in June. All the insurance companies are very expensive and all are telling the same story of being young and being a high risk. Does Miway have special cover for young adults?
- have a car but , don’t have a licence at the moment.How can i insure my car for the time being till i get my licence.
- Bought a car that was written off.Minor damages which can be fixed, will I be able to get insurance on my vehicle?
- Why do I have to pay a car insurance excess even if it was not my fault?
- How do I know if my car has been insured for retail value or the market value?
- Does Miway do windscreen replacements and what is the excess
- If petrol in stead of diesel was put in a car, does the insurance cover the damages?
- If I insure my vehicle with Miway, and it does not have a tracking system, or alarm/immobiliser installed, but I have the afore mentioned installed at a later stage, how would it impact my premium? Will it be reduced, or is the premium set at the time of insuring? Thank you for your time.
- Does a car have to be registered to purchase insurance?
- If I have a policy with Miway and want to cancel it, what is the procedure and what are the implications of cancelation?
- I am insured with MiWay and was hit by a delivery truck while leaving a parking lot. how do i go about making a third party claim against his insurance. I have reported a claim to MIWAY and submitted a case number – do i now make this third party claim against his insurance through MIWAY? Also, I depend on my vehicle for work and am worried that this process will take long and i wont get my vehicle back sooon ! What do i do?
- I have been in an accident this month and according to my insurance my debit for this month have not been paid, don’t know how. I have a good stable job. They said that i am not covered for this month and therefore cannot fix my car. I want to switch to MiWay outsurance this coming month, would they be able to help me fix my car or not?
- What procedures must be followed should a policy need to be cancelled,i.e. vehicle sold? Can it be cancelled with immediate effect or must there be a 30 day notice period. Can it be done telephonically? Will premium for the month paid be refunded?
- What happens in the event of a claim, if I over insured my household contents?
- What is the difference between limited and comprehensive car insurance?
- I don’t have household insurance, but would like to insure a laptop. What is my best option?
- Do you insure people under 25 years of age and they drive high performance cars?
- Hi I’ve recently started upgrading some electronic systems in my home for example: my computer. Now i have been wondering if there is a cover that would allow cover for these thing in respect to inflation and availability of these thing so that in the event of a unforeseeable situation i can be covered in full to the extend of what i had.Will it also be possible to cover this with inclusive aspect of natural forces of god?
- Hi I would like to know what the basic excess amount is that I will pay on a comprehensive car insurance and houshold contents insurance?
- What if I don’t have a driver’s licence but I’m in the process of obtaining one can I still insure my car with you and what will be premium be?
- How long do I need to be insured with Miway before they will pay out if I am in an accident?
- my brother bought a car and i am the regular driver. can i insure the car or does he have to?
- My company bought the bakkie (paid in full) and I am paying the company back. The vehicle is not on my name yet. Can I take insurance out on the vehicle?
- Does miway offer a “bucks back” offering? do you receive your premiums back after a year?
- Are the insurance different according to the model of the car
- When does MiWay not pay out a claim?
- I was involved in an accident & my insurance declared my car a write off, I bought the car for R100 000, & the settlement from the bank is R104000 & the cost for repairs was R64000, & my insurance told me they were only assigned R59000 to repair the vehicle. I’ve agreed that the car is a write off. But they only want to pay the finance company R36,757 instead of R79065 market value, they have deducted R36,626 for excess (Age, D/L less than 2 years, first period, total loss & Towing, where is this deductions coming from & are they allowed to do this?
- I am currently insured with MiWay and would like to know whether my 2006 Kia Rio 1400 will still be covered if I only have central locking in my car? Is it compulsory to have a gear lock or imobilisor? Please can you advise me as soon as possible. Thanks
- May I know what MiWay Light entails?
- Hi. I was involved in an accident over the weekend. I have insurance but didnt pay the premium this month. I was hit from behind and it wasnt my fault. The damage is minor but how do I go about claiming for the damange from the guilty party? (who is insured)
- My question is related to the accident free period. Do you have to include accidents that is totally not your fault; for example if a guy hits you from behind whilst being stationary at a red traffic light in HIGHLY visible conditions. If yes, is this a fair practise to penalise you in terms of your risk profile. How does the accident free period affect ones risk profile and do you take a drivers full driving history into account or only the accident free period?
- What happens if I do not pay my insurance premiums for 1 month, does my way cancel my policy, or will I have to pay double premiums the following month
- Does MiWay insure older vehicles?
- I am going to Botswana for the weekend. Is my car covered in the case of a claim?
- How do I differentiate between private and business use?
- Is My way availible to contact on public holidays?
- Is it true that if I was involved in accident where I happened to be the faulty party, miway might not accept my claim? Is it also true that if they settle my claim they will also increase my premiums going forward because of the claim? Do I lose points everytime i claim?
- I would like to know. If i insure my radio for R3000 is this the amount you will pay out if its stolen?
- What is the difference between the retail and the market value of my vehicle?
- I bought a car from a dealership and they did not provide me with spare keys, they do not have it. Will this affect a claim in the event of the car being stolen?
- Why do I need to take my vehicle for inspection?
- What is an excess?
- The geyser of my house burst yesterday. I have homeowner’s insurance cover with another insurance company. Seemingly they will only repair the damages to my house structure. They don’t cover my microwave which was damaged by the leaking geyser. Will MiWay cover me in terms of the microwave?
- My vehicle was written off after a MVA. The insurer paid out the retail value. The vehicle was purchased in 2006 and had 16000 kilometers on the clock. I want to know how is the retail value worked out? How will i know the payment is correct? And is there compensation for the low kilometers? Do most insurers work on the retail value? I have comprehensive cover. Regards
- Hi Currently have a policy with you. I am considering buying another car and might need to make my wife a regular driver on my existing car. She is Italian and does not have a South African identity document, can I make her a regular driver? If so, how do I go about it?
- I want to know if i can use any panel beaters, etc if my car is in an accident or do miway provide specific people.
- Do you cover non South African registered cars?
- Good Day I was insured with my way and I was involved in a car accident but in that month I never pay the car insurance because I was rentrenched at work. When I was involved in an accident I was not wrong the other guy was wrong but the problem is that I can’t even get hold of him because he gave me the wrong number but luckly I take his registration number plate of his car. What I want to know in this situation what must I do
- How much will you charge for insuring a brand new car for a first time driver?
- Can i take car and home insurance as one thing and pay one premium?
- What do I do if I cannot remember the call centre number?
- Are burglar guards required on a high quality double-glazed aluminium framed window and sliding door?
- Is MiWay insurance specifically for woman?
- How do I determine the value of my household contents.
- Do I need to be a MiWay client to have a MiDriveStyle device?
- What happens in the event of a claim if I undervalue my household contents?
- What is a Zhaker and what does it do?
- Our Fridge has packed up, with all the bad weather I am not sure if it is due to lightning – what do I need to do to find out if we have a claim?
- What happens if the MiDriveStyle device (Zhaker) is damaged in an accident?
- What happens if I sell my vehicle?
- I am no longer insured by MiWay. What happens to the Zhaker unit?
- What kind of luxury car do you rent for your customers as courtesy cars
- Do you use the tracking device in my car to decide the outcome of my claim ?
- does your ansurance include a trackor … we assume you meant … does a car insurance policy from MiWay include a vehicle tracking system?
- If i have car hire on my policy, and it’s for 20 days? Am i right buy saying that which ever one comes first, the 20 days or the finalization of the claim, then you need to return the hired vehicle. When is the claim finalized, after payment is made or what?
- Why do women pay less for insurance?
- I am just curious what it would cost me per month if I had to insure the contents of my small flat. I have bachelor flat and contents is say R15k How much would that be roughly a month?
- If I insure my vehicle through Miway for replacement value and I have an accident within the same year, eg within 6 months. If my repair cost of the vehicle is eg. R105000, and I purchased the vehicle for R190000, although full retail at the time was R195000. There will be no trade or book value other than the original price of the vehicle at the time of purchase. What ‘retail andor replacement value’ will be used to finalise my claim? Will the vehicle be written off or repaired? And why?
- Hi,if a car was hijacked and the insurance pays the bank the market value and there is a shortfall of which the client has to pay the back so I Just want to know what happens if the car is later recovered,what benefits will the client get and does s/he still has to pay the shortfall amount?
- What is the notice period if I want to cancel my policy?
