Start Saving on Car Insurance

Safeguard yourself against unforeseen vehicle emergencies with MiWay's comprehensive, affordable and flexible insurance cover for your car.

Why insure with MiWay?

Micashback™ - get 10% cashback every 2 years on your premiums*.
Affordable premiums from *R28 per day.
Switch to an insurer you can be proud of! We are rated one of the top insurers in South Africa on Hellopeter.com.
We go out of our way, so you can live your way!

MiWay's comprehensive car insurance offers you:

Affordable insurance premiums to suit your budget;
Great customer service - as well as the ability to manage your own insurance policy online;
An easy, hassle-free claims process – submit your claim online or via our App;
An easy-to-understand claims excess structure;
24-hour roadside emergency assistance; and
The use of WeDrive (MiWay's take-me-home driver service).

» For more information, consult our policy wording. * Premiums are risk profile dependent and increase annually, taking economic factors into account.

With MiWay, you can choose the level of insurance cover for your vehicle:

‘Comprehensive’ insurance cover 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 insurance cover also includes damage to the vehicle’s windows and liability to other parties as a result of an accident, as well as intentional damage to your vehicle.

‘Third-Party, Fire and Theft’ cover provides insurance cover for your car against theft, fire-related damages, and damages you may have caused to another person's vehicle during an accident.

‘Third-Party Only’ insurance cover provides liability cover for any damage you may cause to the property of another person. Damage or loss to your own vehicle is not covered.

‘Total Loss’ provides insurance cover to clients for the total loss of their vehicles only due to write-offs, theft or hijack, as well as limited third-party liability. Accidental damage that does not result in a total loss is not covered.

Insure your car for one of the following values:

Retail value (the recommended insured value - the current selling price on the dealer’s floor as per the TransUnion Dealers' Guide)
Market value (the average between the vehicle's retail and trade values)

Trade value (the average price that a motor dealer will pay you for the vehicle as per the TransUnion Dealers' Guide)

Special agreed value (which applies to unlisted, vintage and collectors' vehicles, caravans and trailers where a valuation is given by an appropriate approved source)

Which is the cheapest type of car insurance?

Third party insurance is the minimum level of car insurance offered by car insurance companies in South Africa. You can expect that third party only car insurance would be the cheapest option available as it offers the least protection of all the types of cover available. When completing a car insurance quote, be sure to compare the different rates to confirm that it is in fact the cheapest option.

Third party cover provides liability cover for damage caused to someone else's car, it does not cover your injuries or any damage to your car. Cover includes:

Damage caused to another persons car or property
Injury to your own passengers during an accident

Third party car insurance does NOT cover Loss or damage to my vehicle caused by:

Damage in an accident or intentionally
Animals other than my own domestic animals
Theft, hijacking, attempted theft or attempted hijacking
Fire or explosion
Earthquake, storm, hail, flood or snow

And very importantly, remember that Third party car insurance will not cover you if you are injured in an accident.