Submitting an insurance claim is rarely something you plan for. Accidents, theft, hail damage or unexpected loss can happen in seconds — often leaving you unsure of what to do next.
At Miway, the goal is simple: help you get back on track as quickly and hassle-free as possible, while making sure your claim is handled fairly and transparently.
This guide walks you through exactly how the Miway claims process works, what you’ll need, what to expect at each stage, and how to avoid common delays.
Your actions at the scene can make a big difference to how smoothly your claim progresses.
If you’re involved in an accident or experience theft or damage:
Important: For theft, hijacking or accidents involving third parties, a police case number is usually required.
You can submit your claim in the way that suits you best:
Once your claim is registered, you’ll receive a claim reference number. Keep this safe — it’s how your claim is tracked throughout the process.
Every claim follows a structured process to ensure fairness and accuracy.
Claim allocation
Your claim is assigned to a dedicated claims representative who manages communication and progress.
Documentation and validation
You may be asked to provide supporting documents, such as:
Your representative checks whether the incident is covered under your policy and confirms that all terms and conditions are met.
Assessment of damage
Depending on the nature of the claim, Miway may:
This helps determine the extent of the damage and the most appropriate repair or settlement option.
Claim decision and settlement
Once assessment is complete, Miway will advise whether the claim is approved and explain the next steps, including repairs, replacement, cash settlement or excess payments.
Car Insurance claim timelines can vary depending on:
Straightforward claims may be resolved quickly, while more complex cases can take longer. Your claims representative will keep you informed at each stage.
If your claim includes an excess:
Your claims consultant will confirm the exact excess payable.
Miway may allow you to use your preferred repairer, depending on:
Using an approved Miway repairer often helps speed up the process and ensures workmanship guarantees.
The most common causes of delays include:
Submitting accurate information upfront helps keep your claim moving smoothly.
Short-term insurers are required to verify claims to protect honest policyholders. According to the South African Insurance Crime Bureau, short-term insurance claims are estimated at around R35 billion annually, with fraud costing the industry billions each year.
This verification process helps keep premiums fair for everyone.
If you’re unhappy with a decision:
Miway is built around flexibility, transparency and choice — so you can claim your way, with support at every step.
