Frequently Asked Questions

  1. How do I determine the value of my household contents.

  2. What happens in the event of a claim if I undervalue my household contents?

  3. What happens in the event of a claim, if I over insured my household contents?

  4. 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?

  5. I don’t have household insurance, but would like to insure a laptop. What is my best option?

  6. 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?

  7. Are burglar guards required on a high quality double-glazed aluminium framed window and sliding door?

  8. I stay in a rented flat can I still get house insurance even if i don’t own the property.

  9. Our Fridge has packed up, with all the bad weather I am not sure if it is due to lighteing – what do I need to do to find out if we have a claim?

  10. I have a thatch roof rondawel attached to my house. Can you provide insurance? The house is on a farm in Elgin

  11. Do home owners policies generally cover damage to property (autos) by rodents? How about auto comphrehensive policy?

  12. In the event of a theft claim, will you require invoices/receipts for the goods that have been stolen? please advise.

  13. 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?

  14. 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?

  15. I live with 2 friends in a flat. How do I go about insuring my household contents?

  16. What is the “standard time frame” of which you pay out?

  17. Are you also cover the electric appliance for lightining?
    things like a radio and Tv


  18. 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?

  19. Will I be covered in the event that my home contents are damaged due to a power surge?

  20. I cannot find my presciption sunglasses, to what extent are they covered on my household contents section.

  21. I have insured 2 cars with my way and would like to know if I can add my cellphones onto the cover?

  22. 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?

  23. 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?

  24. 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

  25. 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 a microwave?

  26. If I do not have invoices and/or slips for everything in my house, will photo’s of everything with a date on the photo be sufficiant proof??

  27. Can i take car and home insurance as one thing and pay one premium?

  28. Does your homowner’s insurance cover wear and tear of WATER HEATING SYSTEM AND PIPES WEAR AND
    TEAR?

  29. i live in the rural area but i want home insuarance it is possible to have one with you

  30. My father, a pensioner (aged 78), has moved into our house on a permanent basis (until death do us part). Is it neccesary from him to arrange a separate “House contents” policy with an insurer for his furniture and personal belongings now permanently under our roof, or does his property now automaticly froms part of our house contents and are it automaticly insured under our policy.

  31. What happens if my tv got damaged because it fell? Am i covered?

  32. Do you insure the contents of a house that does not have security gates for all outside doors and no burglar bars?

  33. Does MiWay offer cover for my jewellery?

  34. I have a lot of books cds and dvds. How do I calculate the value of these items for my insurance. Must I list them all seperately? How do you prove that you own these items. It is impossible to keep slips for all this stuff.

  35. I would like to insure with MiWay, I unfortunately do not have receipts for most of the items i would like to purchase insurance for. Is it acceptable to submit photos of various items?
    I also would like to know if you exlude certain items such as glassware/crockery?

  36. Isnt there a way to track your account online? to see what you paying and to check what you covered for?

  37. i live in a rural area,in a mud hut with a thatch roof,no burglars,no trelly door or whatever you call it,no fence,no wall,can i be insured for contents and Miplace?

  38. I inherited a few furniture items as well as a book case full of various books (which are very old) from my grandmother. How will the value be determined??

  39. I want want to know if i can insure my laptop with my desktop and my cellphone via myway i am a client with myway

0860 64 64 64
MiWay Insurance Limited is an Authorised Financial Services Provider (Licence number:33970).
Visit MiWay on LinkedIn
View MiWay's channel on YouTube
Follow MiWay on Twitter
Visit MiWay on Facebook