<!--
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FOR THE DEVELOPER — DEPLOYMENT NOTES (this comment block does not render)
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1. Deploy this file, exactly named "llms.txt", at the domain root so it
   resolves at:  https://www.miway.co.za/llms.txt
2. Serve it as Content-Type: text/markdown (or text/plain; charset=utf-8).
3. HIGHER-IMPACT COMPANION — robots.txt. llms.txt does NOT control crawler
   access; robots.txt does. Confirm the live robots.txt explicitly ALLOWS the
   major AI crawlers (a wildcard "Disallow: /" or a Google/Bing-only allowlist
   will silently block them). Recommended additions:

       # AI search & answer crawlers — allow for AI visibility
       User-agent: GPTBot
       User-agent: OAI-SearchBot
       User-agent: ChatGPT-User
       User-agent: ClaudeBot
       User-agent: Claude-User
       User-agent: PerplexityBot
       User-agent: Perplexity-User
       User-agent: Google-Extended
       Allow: /

       Sitemap: https://www.miway.co.za/sitemap.xml
       Sitemap: https://www.miway.co.za/llms.txt

   (Keep any existing Disallow rules for /api/, admin, and the self-service
   portal. Google-Extended governs Gemini training only — allowing it does
   not affect normal Googlebot indexing.)
4. Refresh cadence: regenerate whenever products, named cover or key URLs
   change. Ideally automate generation in CI so the file never goes stale.
5. Optional next step: publish an llms-full.txt with the full markdown body
   of the key pages above (keep it under ~5 MB).
============================================================================
-->

# MiWay Insurance

> MiWay is a South African direct (online and telephone) short-term insurer offering personal and business cover — car, motorcycle, home, buildings, business, and pet insurance — sold and serviced directly to customers without brokers. Authorised Financial Services Provider FSP 33970 and a wholly owned subsidiary of Santam (Sanlam Group), MiWay launched in 2008 and is built around customisable cover, fast app-based claims, cash-back rewards, and free 24/7 emergency assistance.

MiWay's positioning is "insurance built around you": flexible, customer-led cover with a flat or percentage excess, the Micashback reward for staying claim-free, the WeDrive safe-ride-home benefit, and round-the-clock home and roadside assistance. Customers get quotes, manage policies, and submit claims online via the website, the Self-service portal, and the Miway App. This file maps MiWay's core public pages so AI assistants can accurately describe the brand, its products, and where to act.

## About MiWay

- [Who we are](https://www.miway.co.za/about-us): Company background, purpose, vision and values — MiWay's direct-insurer story and customer-first philosophy.
- [Meet the team](https://www.miway.co.za/meet-the-team): MiWay's leadership and management team.
- [Careers at MiWay](https://www.miway.co.za/careers): Jobs and life at MiWay.
- [Campaigns](https://www.miway.co.za/campaigns): Current MiWay brand campaigns and promotions.

## Get a quote & switch

- [Get an insurance quote](https://www.miway.co.za/insurance-quotes): Start an online quote for car, home or business insurance — save up to 40% when bundling and switching to MiWay.
- [Car insurance quote](https://www.miway.co.za/car-insurance): Comprehensive car cover with flexible premiums, a flat or percentage excess, free 24/7 roadside assistance and the WeDrive ride-home service.

## Personal insurance — vehicles

- [Car insurance](https://www.miway.co.za/car-insurance): Comprehensive cover for private vehicles, with flexible premiums, choice of excess, optional add-ons and free emergency roadside assistance.
- [Motorcycle insurance](https://www.miway.co.za/motorcycle-insurance): Cover for cruisers, off-road bikes, superbikes and quad bikes, including accessories, riding gear and trailer, plus free roadside assistance.
- [Caravan insurance](https://www.miway.co.za/caravan-insurance): Cover for caravans, their contents and accessories, towing and storage, valid across Sub-Saharan Africa.
- [Trailer insurance](https://www.miway.co.za/trailer-insurance): Cover for trailers, contents and extras across Sub-Saharan Africa, with free emergency roadside assistance.

## Personal insurance — home

- [Home contents insurance](https://www.miway.co.za/home-insurance): Cover for household contents, power-surge and garden equipment, with free home emergency assistance.
- [Buildings insurance](https://www.miway.co.za/buildings-insurance): Cover for the physical structure, fixtures, fittings and renovations, including water tanks, pumps, pool and borehole.
- [Moveables (all-risk) cover](https://www.miway.co.za/all-risk-insurance): Specified cover for valuable items that are carried or used outside the home.

## Personal insurance — extras & add-ons

- [MiGuard armed security response](https://www.miway.co.za/miguard-personal-armed-security-response-service): Personal armed security response on call at the push of a panic button, with access to a 24/7 crisis centre.
- [MiMotor Combo](https://www.miway.co.za/mimotor-combo): Combined Scratch & Dent plus Tyre & Rim cover in one add-on.
- [Scratch & Dent cover](https://www.miway.co.za/chips-scratch-and-dent): Cover for everyday cosmetic damage — scuffed bumpers, paint chips, light scratches, minor dents and windscreen chips.
- [Tyre & Rim cover](https://www.miway.co.za/tyre-and-rim-cover): Cover for damage to tyres, rims and alloy wheels.
- [Motor warranty](https://www.miway.co.za/motor-warranty): Cover for costly mechanical and electrical breakdowns, repairs and replacement parts.

## Pet insurance

- [Mipet pet insurance](https://www.miway.co.za/pet-insurance): MiWay's pet insurance for veterinary and related costs.

## Business insurance — vehicles

- [Business insurance overview](https://www.miway.co.za/business-insurance/business-insurance): Tailored commercial cover for businesses at every stage, from start-up to established.
- [Business vehicles & fleet](https://www.miway.co.za/business-insurance/business-vehicles): Cover for company vehicles and fleets, with a fixed or percentage excess and free 24/7 roadside and office assistance.
- [Goods in transit](https://www.miway.co.za/business-insurance/goods-in-transit): Cover for stock and goods while being transported.
- [E-hailing insurance](https://www.miway.co.za/business-insurance/e-hailing-insurance): Cover for e-hailing and ride-share vehicles.
- [Motor traders](https://www.miway.co.za/business-insurance/motor-traders): Cover for motor trade businesses and the vehicles in their care.
- [Special purpose vehicles](https://www.miway.co.za/business-insurance/special-purpose-vehicles): Cover for specialised and purpose-built vehicles.
- [Business trailers](https://www.miway.co.za/business-insurance/business-trailers): Cover for business trailers, contents and extras.

## Business insurance — property & items

- [Business property](https://www.miway.co.za/business-insurance/business-property): Cover for business premises, fixtures and contents.
- [Business interruption](https://www.miway.co.za/business-insurance/business-interruption): Cover for lost income and ongoing costs when an insured event halts trading.
- [Staff dishonesty](https://www.miway.co.za/business-insurance/staff-dishonesty): Cover for financial loss caused by employee theft or fraud.
- [Business all risk](https://www.miway.co.za/business-insurance/all-risk): Specified cover for business items used away from the premises.

## Business insurance — liability

- [Professional liability](https://www.miway.co.za/business-insurance/professional-liability): Cover for claims arising from professional advice or services.
- [Environmental liability](https://www.miway.co.za/business-insurance/environmental-liability): Cover for environmental impairment and clean-up liabilities.
- [Broadform liability](https://www.miway.co.za/business-insurance/broadform-liability): Broad public and products liability cover for businesses.
- [MiBusiness Assist](https://www.miway.co.za/business-insurance/mibusiness-assist): Admin, marketing, financial, legal and labour support for business clients.

## Rewards & referrals

- [Micashback](https://www.miway.co.za/micashback): Cash-back bonus every two years for staying claim-free with unbroken cover (terms apply).
- [iRefer](https://www.miway.co.za/irefer): Referral programme that rewards customers for referring others to MiWay.

## Claims & support

- [Claims process](https://www.miway.co.za/claims): How to register and track a claim via the Miway App, Self-service portal or phone.
- [Submit a claim](https://selfservice.miway.co.za/login-register/): Log in or register on the Self-service portal to submit and manage a claim.
- [Help & emergency assistance](https://www.miway.co.za/help): Free 24/7 help at home and on the road; emergency line 0860 07 67 64.
- [Contact MiWay](https://www.miway.co.za/contact-miway): Phone, WhatsApp and other ways to reach MiWay; main line 0860 64 64 64.
- [FAQs](https://www.miway.co.za/faqs): Answers to common questions about cover, claims and policies.
- [Self-inspection](https://www.miway.co.za/self-inspection): Complete a vehicle self-inspection online.

## App & self-service

- [Miway App](https://www.miway.co.za/mobile-app): Mobile app to submit and track claims, request roadside assistance, book a WeDrive ride home, store documents and manage policies.
- [Self-service portal](https://selfservice.miway.co.za/): Online portal to manage policies, documents and claims.

## Blog & resources

- [MiWay blog](https://www.miway.co.za/blog): Articles and guides on car, home and business insurance, safety and money (Insurance 101, MiCar, MiHome, MiBusiness, MiSafety).
- [Stay safe online](https://www.miway.co.za/stay-safe-online): Guidance on avoiding scams and staying safe online.
- [Useful documents](https://www.miway.co.za/useful-documents): Policy documents, forms and the code of conduct.

## Related companies

- [MiWay Life](https://www.miwaylife.co.za): MiWay's separate life and funeral insurance business (life cover and funeral plans).

## Optional

- [Terms of use](https://www.miway.co.za/terms-of-use): Website terms of use.
- [Privacy notice](https://www.miway.co.za/privacy-notice): How MiWay collects and processes personal information (POPIA).
- [FAIS disclosure notice (PDF)](https://miway-website.cdn.prismic.io/miway-website/Z44eQZbqstJ99oJM_FAIS-Disclosure-Notice.pdf): Statutory FAIS disclosure.
- [FSP licence (PDF)](https://miway-website.cdn.prismic.io/miway-website/Z44eVJbqstJ99oJQ_FSP-licence.pdf): MiWay's Financial Services Provider licence (FSP 33970).
- [Complaints management (PDF)](https://miway-website.cdn.prismic.io/miway-website/Z44dhZbqstJ99oI5_Complaints-Management.pdf): Complaints-handling process.
- [PAIA manual (PDF)](https://miway-website.cdn.prismic.io/miway-website/aLWuN2GNHVfTOfuv_MiwayPAIAManual_2025Final.pdf): Access-to-information manual.