Question 1

Why should I choose Miway to insure my bike?

Accepted Answer

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

Question 2

What does my bike insurance cover include?

Accepted Answer

Our motorcycle insurance covers a wide range of incidents, from accidents and theft to fire, natural disasters and liability. You can customize your cover with add-ons like accessories or credit shortfall, and you get free 24/7 help with roadside emergencies included in your cover.

Question 3

How much does Miway bike insurance cost?

Accepted Answer

Our motorcycle insurance covers a wide range of incidents, from accidents and theft to fire, natural disasters and liability. You can customize your cover with add-ons like accessories or credit shortfall, and you get free 24/7 help with roadside emergencies included in your cover. Here’s a quick look at what’s covered:

o Accident and intentional damage

o Theft and hijack

o Earthquake, storm, hail, flood and snow

o Fire and explosion

o Liability (*excludes for quad and off-road bikes)

o Loss of keys

Question 4

How much does Miway bike insurance cost?

Accepted Answer

The cost of your bike insurance depends on a bunch of ‘risk’ factors, like your age, your riding experience, the type of bike you ride, and its location in the day and at night. Together, these factors will help us set your monthly motorbike premium.

Question 5

Are my accessories covered as part of the cover?

Accepted Answer

Nope. You need to specify each item, whether it’s attached to your bike or non-standard, and list its value so that it’s part of your bike cover.

Question 6

What is my excess with Miway motorcycle insurance?

Accepted Answer

There’s a standard excess set at 10% of the amount you claim for, with a minimum excess of R3 500. But there might also be additional excesses on your policy, so please always check your policy coversheet.

Question 7

Does Miway offer credit shortfall for motorcycle?

Accepted Answer

We do and it’s a great add-on to your policy, as it covers the gap (shortfall) between the money you still owe on your bike, and the amount your insurer will pay out if your bike is written off or stolen.

Question 8

Does Miway offer track cover for motorcycle?

Accepted Answer

Yup, we do, but it’s only provided for superbikes, naked superbikes, motards, dual sport and cruisers. We only provide track cover through approved track schools. Accidental damage is only covered while the regular rider is participating in approved track school classes A, B, C & D. Here are our approved track schools:  o   SA Biking Academy o   Zwartkops Raceway Brunch Cruise for Bikes o   Michelin Motorcycle Training Courses o   Track-Daze o   Speed Queen Racing Academy o   California Superbike School o   BMW Rider Academy o   Moto Rider Academy (MRA) o   Red Star Raceway​ o   Mike Hopkins Motorcycles

Question 9

How can I get a quote for my bike?

Accepted Answer

We’ve made it easy for you to get a quote, the way you want it. Just request the callback on our website or via the Miway App and one of our friendly agents will reach out to you to help you complete your quote. Or you can give us a call on 0860646464.

Question 10

How do I put in a motorbike claim?

Accepted Answer

You can choose to submit your claim on the Miway App or via our customer support on 0860646464.

Question 11

When do I need to pay an 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 12

Do I need to be a regular rider to insure my bike with Miway?

Accepted Answer

Nope, you do not need to be the regular driver to insure your bike with Miway, but you do need to add the regular driver’s details to your policy.

Question 13

Will I be covered if someone else rides my bike and they get into an accident?

Accepted Answer

Yes, you will be if they have a valid licence and your permission to drive your car. Please check your policy or call our Client services agents, though, as additional excesses may apply.

Question 14

Why do I need to install a tracking device to get bike cover?

Accepted Answer

If the value of your motorcycle is R180 000 or more, you can only get cover for theft and hijack if you have a Miway-approved tracking device on your bike. It’s also a great way to keep your bike safe, and those tracker teams really do all they can to get your motorbike back to you.

Question 15

How much can my motorcycle be insured for?

Accepted Answer

It all depends on the value you insured your bike at. Because we want you to be able to do things your way, we give a choice of insured values:   o   Retail value: the price you’d pay to buy the same bike from a dealership (this is the highest value you can insure your car at) o   Trade value: the amount a dealer would give you if you traded in your bike (lowest value) o   Market value: The average selling price of similar bikes in your area (middle value)

Question 16

What happens if I’m in an accident?

Accepted Answer

If you're in an accident, we'll be there to help you every step of the way. Just follow these steps to make sure your claim is processed quickly and smoothly:   o   Incident details: The first step is to note what happened, where it happened, and give a short description of the accident o   Scene photos: Take as many photos as you can at the scene and around it. Include all pics of licence discs and driver’s licences, along with pics of the damage to your bike and to the other vehicle/s involved in the accident. Photos are an important part of your claim and provide proof of the accident o   Witness details: If there were witnesses to the accident, remember to get their details so they can give statements. This not only includes bystanders, police officers, ambulance drivers, Metro Police / traffic officials, etc. that may also have been on the scene o   Other party details: If the accident involved another person, you’ll need their details when you register a case at a police station, and when you claim. Try to get as much detail as possible from other parties involved

Question 17

What factors affect my premiums?

Accepted Answer

There are a whole bunch of factors that impact your premium - how old you are, how long you've been driving, what type of bike you drive, etc.

Question 18

Can I cancel my motorcycle insurance cover with Miway?

Accepted Answer

We’d hate to see you go, but yes, you can cancel your Miway cover at any time. Just give us a call on 0860646464 to get it sorted. And tell us why you’re leaving here.

Motorcycle insurance

Start saving on