Question 1

Why should I choose Miway to insure my home / building?

Accepted Answer

The better question is ‘why not’? With our comprehensive home insurance cover – including protection against theft, fire, natural disasters and more - we also give you free 24/7 home assistance, a quick claims process, and flexible add-ons so you can do things your way.

Question 2

What does Miway home / building insurance cover include?

Accepted Answer

Our home insurance protects the physical structure of your home - including permanent fixtures and fittings - against a wide range of incidents, from theft to fire and natural disasters. You can customize your cover with add-ons like cover for your guests’ belongings, your garden furniture and even groceries stolen from your car. And you get free 24/7 help with home emergencies included in your cover. Here’s a quick look at what’s covered:

o Theft and burglary

o Earthquake, wind, hail, flood and snow

o Fire and explosion

o Damage from burst / leaking geyser

o Damage from landslip / ground movement

o Accidental damage to glass and sanitaryware

o R5 000 000 liability to other parties

o Mihelp free home & medical assistance

o Extended theft cover (optional add-on)

o Lightning and power surges (optional add-on)

Question 3

What insurance do I need on my house?

Accepted Answer

Think of insurance not in terms of what you paid for your home, but what it would cost to rebuild it from scratch today, including materials, labour, and even the expenses for clearing the site before rebuilding. This includes the bricks and mortar of your house, as well as any outbuildings, extras like your garage, permanent fixtures and special features like swimming pools. And don't forget, you'll need to cover the cost of clearing the site and any council fees, which could add another 20-30% to your rebuild costs.

Question 4

Is home contents insurance different to building insurance?

Accepted Answer

Yup. Look at it this way: home contents insurance covers all your belongings, so if you were to flip your house upside down, everything that falls will be covered under home contents insurance. Building insurance on the other hand covers the physical structure of your home and its fixtures.

Question 5

Should I update the value of my house after doing renovations?

Accepted Answer

Absolutely! If you made some changes to your place, you’ll need to update your insurance policy to reflect the increased value of your home. Renovations can bump up your home's value, so you might need extra cover. Making sure your insurance matches your home's real value is super important so you stay fully protected.

Question 6

Is my solar system covered as part of the building insurance?

Accepted Answer

Yes, absolutely! Please make sure that you update your building sum insured to include both the replacement and installation costs of solar.

Question 7

Does my home / building insurance cover leaks?

Accepted Answer

Yup, it does! If a pipe decides to go rogue and turns your kitchen into a swimming pool, our building insurance has got your back. It covers damage caused by leaks, including the havoc they wreak on your floors and walls. However, it’s always important to check the specifics of what’s covered on your policy.

Question 8

What is personal liability under building cover and who does it cover?

Accepted Answer

Personal liability cover protects you if someone sues you for injuries or damages that happen to them while they’re on your property.

Question 9

I have an emergency at home – what should I do?

Accepted Answer

Burst pipe at 1 am? No worries, we’ll organise a plumber right away and cover any damages. Simply give us a call on 0860606764 or via WhatsApp or on the Miway App.

Question 10

Does my home / building insurance cover my appliances?

Accepted Answer

Your appliances are only covered for lightning and power surges under building insurance.

Question 11

What excess do I need to pay on my home insurance?

Accepted Answer

There’s a standard excess on all building claims of R2 200, but additional excesses may apply so please make sure you check your excesses on your coversheet.

Question 12

Is the online quote final and accurate?

Accepted Answer

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.

Question 13

Is homeowners’ insurance the same as building insurance?

Accepted Answer

Yes, homeowners insurance and building insurance are exactly the same thing. With Miway you can also add home contents cover for items like your TV, furniture, and personal belongings.

Question 14

My building insurance is with the bank where my bond is – can I move it to Miway?

Accepted Answer

Yes, you can! Switching to us is easy, even if your house is financed. Just share your current insurer details and your financing info with us. We'll handle the rest and make sure the transition is smooth, without you paying double premiums during the switch.

Question 15

Can I get building insurance even if I rent out the property?

Accepted Answer

Yes, you can! You're all set with Miway’s building insurance for long-term rental situations, whether it's a room in your house or a cottage on your property. Just a heads-up, though: our policy doesn't cover short-term rentals like Airbnb or if you're renting out your property for commercial use.

Question 16

Is my geyser covered under building insurance?

Accepted Answer

Yup! We’ve got your back for water damage caused by things like your geyser overflowing or bursting, and affecting your permanent fixtures.

Question 17

What is wear and tear and why is it not covered?

Accepted Answer

Wear and tear is the general deterioration of your property over time due to exposure to weather conditions or a sudden once-off event, like a flood, for example. If the wear and tear is due to poor construction or a lack of maintenance and upkeep, the damage won’t be covered.

Question 18

How do I put in a home / buildings insurance claim?

Accepted Answer

You can submit a claim through the Miway App at any time, or you can call our customer support during office hours on 0860646464 so a friendly agent can talk you through the process.

Question 19

When do I need to pay my excess?

Accepted Answer

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.

Question 20

How can I cancel my insurance cover with Miway?

Accepted Answer

We’d hate to see you go, but you can cancel your Miway cover at any time. Just give us a call on 0860646464 to get it sorted. Cancellation is instant, and if there’s refund due, we’ll sort that out immediately too. And tell us why you’re leaving here.

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