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Car Insurance QuotesAre you looking for car insurance to suit your budget, with benefits like free roadside assistance and rewards even if you claimed? MiWay offers flexible and affordable motor insurance, we even allow you to fix your premiums for a period of 36 months!*

MiWay will reward you if you prefer doing things online! By simply applying for and taking out your car insurance policy online, MiWay will pay you an average full month's premium after 3 months full premiums are received.*

*Terms & conditions apply

Why choose MiWay's standard Car Insurance?

  • Affordable premiums, low flat excess
  • Apply and buy your car insurance online to earn extra rewards
  • Great Service, hassle free claims process
  • Earn rewards whether you claim or not
  • Free Roadside emergency assistance
  • Earn rewards and save on joining fees by buying your car insurance online
  • Fix your premiums for a period of 36 months!*

*Terms & conditions apply

Types of Car Insurance

MiWay offers three types of car insurance – Comprehensive, Third Party Fire and Theft, and Third Party only.

Comprehensive car insurance provides the widest cover and covers for theft and hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods. Comprehensive cover also includes damage to the vehicle’s glass and liability to other parties as a result of an accident.

Third Party Fire and Theft insurance provides insurance cover for any damage you may cause to the vehicle of another person, and the accidental death or injuries of third parties involved in the same accident. You will also be compensated for the loss of your vehicle due to attempted theft, theft or hijacking, as well as any damage to your vehicle that was caused by fire, lightning or explosions.The main difference between 'Comprehensive' and 'Third Party Fire and Theft' is that your car is not covered against accidental damage.

Third Party Only insurance is the cheapest car insurance and provides insurance cover for any damage you may cause to the vehicle of another person as well as the accidental death or injuries of third parties involved in the same accident. You have no cover under this insurance type against the loss of, or damage to your own vehicle.

Car Insurance Options

In addition to accident or theft, comprehensive car insurance in South Africa covers losses due to fire and explosion, natural disasters like hail and floods and damage to the vehicle’s glass.

Additional options such as car hire and cover for non-standard sound systems and car accessories can also be added to your motor insurance policy.

MiWay can cover your car for either private, professional or business use:

Private or social purposes, including driving between your home and regular place of work will be classified as private use.

Professional use is where the car forms an essential part of the performance of any work or function as a Lawyer, Doctor, Actuary, Accountant, Architect or an Engineer and it also includes private use.

Business use is where the car forms an essential part of the performance of any work or function and it also includes private use.

Scenario: If you utilise your car for business purposes, your car is on the road more often than if you only use it for private purposes. The chance of it being stolen or involved in an accident is therefore much greater. The premium for a car being used for business purposes is higher compared to the same car being used only for private purposes. If you insure your car for the incorrect use you will not have cover on your car in the event of a claim as the premium paid will be incorrect.

Your vehicle can be insured for one of the following values:

  • Retail value
  • Market value (the average between the vehicle’s retail and trade values)
  • Trade value
  • Specially agreed value (which applies to unlisted, collectors and vintage vehicles where a valuation is given by an appropriate approved source)

Your policy coversheet reflects the value that you chose. The amount to this value will be determined at the time of loss taking into account the age, mileage and condition of the vehicle.

What process is involved in getting your vehicle insured?

The car insurance process starts with you, the car owner, completing an insurance quote from MiWay online or telephonically. Assuming you find the premium affordable, which we are sure you will, you agree to a start date for your new cover. MiWay will send you your documentation including a Coversheet (Policy schedule), which spells out the terms of your insurance policy and explains everything you need to know regarding your policy and car insurance in general. If necessary, MiWay will also help you to find an inspection centre which is convenient for you to visit. Your vehicle insurance cover will be fully activated once MiWay has received your premium. Please remember to comply with any requirements, i.e. have your car inspected, install additional security devices (like a tracking device, immobilizer etc), as this will influence whether you would enjoy insurance cover or not.