Terms and Conditions
MIWAY × METRO FM · OCTOBER - NOVEMBER 2026
“Quote & Ride!” Competition
1. Quote & Ride — Competition Terms and Conditions
Get a Miway quote. and stand a chance then Ride.
This competition is run by Miway Insurance Limited, a licensed non-life insurer and authorised financial services provider (FSP 33970), in partnership with Metro FM, a radio station of the South African Broadcasting Corporation SOC Limited. Entering means you’ve read and agreed to the terms below.
Get an obligation free Miway car insurance quote → Stand a chance to win 1 of 2 Jetour Dashing.
Metro FM radio execution: Receive R1 000 for your quote→ Talk your way out to an additional R4 000 →
1. Competition duration
1.1. The competition runs from 14 October 2026 to 13 November 2026, both days included.
1.2. On-air competition moments run on the Metro FM Breakfast Show between 19th October to the 13th November 2026.
1.3. The grand prize draw for the cars will take place in two days. The 1st car winner will be announced on radio on the 30th October on the Breakfast Show. The 13th November car winner will be announced on the 21st November 2026 also on the Breakfast show.
1.4.The handover of the cars take place at Lazarus Motor Company, 400 West Road, Centurion. on 1st December 2026. Transportation to and from the venue is not included in the prize. The winner(s) will be responsible for their own transport arrangements and associated costs.
1.5. Miway and Metro FM reserve the right, where reasonably necessary and subject to applicable law, to extend, shorten, suspend or reschedule the Competition Period or amend these Terms and Conditions. Any material amendment will be communicated through the competition webpage and will not unfairly prejudice entrants who have already qualified.
1.6. Entries received outside the competition period are not eligible.
2. Who may enter
To enter you must:
2.1. Be 18 years or older on the date of entry.
2.2. Be a South African citizen or permanent resident, resident in South Africa.
2.3. Hold a valid South African identity document or permit, which you must produce on request. Hold a valid, South African driver’s licence that has not been suspended and produce it before the vehicle is handed over.
2.5. Be reachable on the contact number you quoted your policy with, for the full competition period and for 21 days after it ends.
2.6 Existing Miway policyholders may participate only where they obtain a Qualifying obligation free Quote for an additional vehicle that is not already insured under their existing Miway policy.
3. Who may not enter
3.1. Directors, members, partners, employees, agents, consultants or contractors of Miway Insurance Limited, the SABC, Metro FM, Jetour South Africa, the Sanlam Group, or any of their advertising agencies, suppliers or campaign service providers.
3.2. The spouses, life partners, business partners, parents, children and siblings of any person referred to in clause 3.1.
3.3. Anyone whose Miway policy was cancelled — by Miway or by themselves — within the six months before entry.
3.4. Anyone who have won a prize from Miway within the three (3) months preceding the commencement of this promotion are not eligible to win a prize in this promotion.
3.5. Any entrant who does not meet the eligibility requirements set out in these Terms and Conditions.
3.6. All invalid entries will be disqualified from winning the prize.
4. How to qualify
4.1. Request an obligation-free Miway car insurance quote during the competition period, through one of the designated campaign channels: the campaign landing page at [www.miway.co.za], the Miway call centre on 0860 64 64 64, a Miway call-back request, or the Metro FM branded competition page.
4.2. When you request your obligation free quote, provide accurate personal, vehicle and driver information and acknowledge that Miway and its authorised campaign partners may contact you where reasonably necessary to administer the Competition.
4.3. A Qualifying quote makes you a qualifying entrant. Qualifying entrants may be selected to play the on-air competition, and are automatically entered into the grand prize draw.
4.4. Qualifying Quote means an obligation-free Miway car insurance quotation successfully completed during the Competition Period through an Approved Campaign Channel by an entrant who satisfies the eligibility requirements contained in these Terms and Conditions.
4.5. Quotes obtained through a broker, intermediary, price comparison website or aggregator do not qualify. Only quotes sourced directly through a Miway or Metro FM campaign channel (Call in, Website and are accepted.
4.6. Incomplete, abandoned or duplicate quote requests do not qualify. Where one person submits multiple quote requests, only the first Qualifying quote counts as an entry.
4.7. Standard network, data and call charges apply to entries. Neither Miway nor Metro FM charges anything to enter, over and above the standard rate of the communication you choose.
5. The on-air competition — how it works
5.1. Metro FM will select qualifying entrants at random to play on air during the competition moments described in 1.2. Selection is at the station’s discretion and being a qualifying entrant does not guarantee airtime.
5.2. In each competition moment, two selected entrants play against each other.
5.3. Each of the two selected entrants receives R1 000 in cash for obtaining an obligation free car insurance quote with Miway, whether or not they go on to win the next round.
5.4. The presenter reads each contestant an unexpected scenario. The contestant has 30 seconds to talk their way out of it, live on air.
5.5. The presenter will select the winning contestant based on the creativity, humour and persuasiveness of the contestant's response. The judging criteria will be applied to both contestants in the applicable on-air round. That contestant wins the opportunity to Talk Their Way to R5 000, receiving an additional R4 000 on top of their R1 000 — a total of R5 000.
5.6. The judging decision is final in respect of the subjective assessment of the on-air responses, subject to these Terms and Conditions and applicable law.
5.7. Contestants must not use language that is unlawful, hateful, discriminatory, defamatory or in breach of the Broadcasting Complaints Commission of South Africa’s Code of Conduct. Metro FM may cut a contestant off, disqualify them from all prizes including the cash, and withhold the reward for any breach.
5.8. Calls may be recorded, broadcast, repeated, streamed, podcast, and used in campaign content on Miway and Metro FM platforms without further consent or payment.
5.9. If a selected contestant cannot be reached on air after 3 attempts, they forfeit their place and another qualifying entrant is selected.
5A. The social media competition — how to play
5A.1. In addition to the on-air competition, Miway is running a social media competition (the “Social Media Competition”) on Miway’s official Facebook, Instagram, X and TikTok pages during the Competition Period. Entrants who play the games below and meet these Terms and Conditions stand a chance to win their share of R100 000.
5A.2. The Social Media Competition is made up of five (5) games (each a “Game”). Each Game is published as a campaign post on Miway’s social media pages on the dates announced between the 12th of October 2026 to the 16h of October 2026. Each post sets out the task for that Game and when it closes.
5A.3. To enter a Game you must: (a) meet the eligibility requirements in clause 2 and not be excluded under clause 3; (b) obtain a Qualifying Quote in accordance with clause 4, using the “Get a quote” link on the campaign post, which for the purposes of clause 4.1 is an Approved Campaign Channel a Qualifying Quote is not required to enter the social media Games on the Miway’s social media channels; (c) play the Game as described in clause 5A.4; and (d) submit your answer as described in clause 5A.5 before the Game closes.
5A.4. The Games. Each Game is played as follows:
(a) Catch the car. The post shows an animated Jetour vehicle driving past a car-shaped outline. Screenshot the exact moment the vehicle sits within the outline and submit your screenshot; what counts as a valid “catch” is the closest catch or the actual catch.
(b) Find the exit. The post shows a circular maze with a vehicle at its centre and three possible exits marked A, B and C. Work out which exit the maze leads to and submit the letter of that exit.
(c) Complete the quote. The post shows the opening of a quote (“It always seems impossible…”) and three possible endings marked A, B and C. Submit the letter of the ending that correctly completes the quote.
(d) Who said it? The post shows a quote (“Sharp fede.”) and three possible speakers marked A, B and C (the taxi driver, amagents or gogo). Submit the letter of the speaker you believe said it.
(e) Identical pairs. The post shows an animated grid of sixteen (16) face-down tiles that flip to reveal vehicles. Screenshot the identical pairs as they are revealed and submit your screenshot(s); all eight pairs are required.
5A.5. How to submit your entry.
Submit your answer by commenting on the relevant Game post and attaching your screenshot where the Game requires one to Miway’s official account, together with the name and surname and mobile number used for your Qualifying Quote once you have been selected as a shortlist winner list. Entries submitted by any other method, or on any other platform, are not valid. You must have a social media account that is open to Miway for the duration of the Social Media Competition so that your entry can be verified.
5A.6. You may submit one (1) entry per Game.
Entries received after a Game closes, edited or digitally altered screenshots, and entries that do not follow the instructions in the post are invalid.
5A.7. The correct answer or winning criteria for each Game is set by Miway before the Game opens and is not disclosed until the Game closes. The correct answers will be verified by the independent person referred to in clause 7.3. Only correct and valid entries qualify to win.
5A.8. The prize pool.
A total cash prize pool of R100 000 is available to be won in the Social Media Competition across the campaign, in two parts: R50 000 during Launch Week (clause 5A.9) and the remaining R50 000 during the rest of the Competition Period (clause 5A.10). Each winner receives a share of the pool and not the full R100 000.
5A.9. Launch Week prize. R50 000 is available to be won during Launch Week (12 to 16 October 2026) by ten (10) winners per day, each winning a share of R50 000. Winners are drawn at random with Ninja name picker from the correct and valid entries ten winners per day / per Game. A person may win a share of the prize pool only once per day and only once during the whole Social Media Competition. The cash prize will be given to the winners by our third party company iProspect/Dentsu. Additionally, this will take thirty (30) business days from the announcement date.
5A.10. The remaining R50 000.
The remaining R50 000 will be won during the Competition Period after Launch Week, in the manner Miway decides in its sole discretion. This may include spot prizes, rewards for obtaining a no-obligation Miway quote, polls, and questions about the Social Media Competition and Miway asked on Miway’s social media pages. Miway will explain how each prize can be won in the relevant post, and these Terms and Conditions apply to it. The maximum amount per winner will be decided by a Miway representative at their sole discretion. The once-only rule in clause 5A.9 also applies to these prizes.
5A.11. Winners will be contacted within thirty (30) business days of the Game closing, or the prize being won, through Miway’s official verified social media account or on the contact number supplied with their Qualifying Quote. Clauses 6.3 to 6.5 (payment and required documents), 9.2 and 9.3 (verification) and 7.7 (reserve winners, where applicable) apply to these winners.
5A.12. The Social Media Competition is in no way sponsored, endorsed, administered by or associated with Facebook, Instagram, Meta, X, TikTok or any other social media platform. Entrants release these platforms from any liability arising from the Social Media Competition and must comply with each platform’s terms of use.
5A.13. Comments, screenshots and other content submitted must not be unlawful, hateful, discriminatory, defamatory or offensive. Miway may hide or remove such content and disqualify the entrant. By entering, you allow Miway and Metro FM to repost your entry and public social media handle on campaign channels without further consent or payment.
5A.14. Clauses 10 (disqualification), 11 (tax), 12 (general) and 13 (data privacy) apply to the Social Media Competition. Without limiting clause 10, entries made using bots, automated tools, fake, duplicate or multiple accounts will be disqualified.
5B.1. Social Media Competition Winner Announcement.
(a) Winner announcement. Winners will be our announced between the 19th of October – 23rd of October 2026 on Miway’s official social media accounts.
(b) 10 winners per day/per game will be announced each day during the dates.
6. Cash prize
6.1. Cash rewards are limited to the entrants selected to play on air, up to a maximum of 1 contestant per competition moment and 1 competition moment over the campaign. Not every person who requests a quote receives R1 000.
6.3. Cash is paid by electronic transfer into a South African bank account in the winner’s own name, within 30 business days of Miway verifying the winner’s identity and banking details.
6.4. Third-party bank accounts are not accepted.
6.5. Winners must submit a copy of their ID, a bank confirmation letter and any other reasonably requested document within 30 days of being asked. If they do not, the reward is forfeited.
7. The grand prize
7.1. The grand prize consists of two (2) Jetour Dashing 1.5TD Prime Ash Grey vehicles, one awarded to each of two grand prize winners, each valued at approximately [R400 000] including VAT.
Any entrant who does not meet the eligibility requirements set out in these Terms and Conditions7.3.
The Competition will be overseen and certified by an independent accountant, registered auditor, attorney or advocate in accordance with the Consumer Protection Act and its regulations.
7.4. The grand prize draw for the cars will take place in two days. The 1st car winner will be announced on radio on the 30th October on the Breakfast Show. The 2nd car winner will be announced on the 13th November 2026 also on the Breakfast show.
7.5 The handover of the cars take place at Lazarus Motor Company, 400 West Road, Centurion. The winners will be flown to the dealership.
7.5. The grand prize includes: the vehicle, its licensing and first registration in the winner’s name, and six (6) months’ Miway comprehensive car insurance for the vehicle, subject to clause 8.
7.6. The grand prize includes a full tank of fuel but excludes maintenance beyond the manufacturer’s standard warranty and service plan, accessories, tyres, traffic fines, tolls, delivery will be handled by the Jetour team in the respective provinces of the winners.
7.7. Reserve winners will be drawn. If a drawn winner cannot be contacted after three attempts on three separate days over five business days, or does not meet these terms, they forfeit the prize, and a reserve winner is drawn in their place.
8. Insurance included with the grand prize
8.1. The six months’ cover is a Miway comprehensive car insurance policy issued in the winner’s own name, on Miway’s standard policy wording, and is subject to Miway’s normal underwriting criteria, acceptance and risk assessment.
8.2. The winner must complete the ordinary application process, provide the information Miway requires, and accept the policy terms, including any excess structure applied.
8.3. If Miway is unable to offer cover because the winner does not meet its underwriting criteria, the vehicle is still awarded. The winner is then responsible for insuring the vehicle themselves and has no claim to a cash equivalent for the cover.
8.4. Miway pays the premium for the first six (6) months only. After that the policy continues at the winner’s own cost unless they cancel it. Miway will notify the winner in writing before the six months end.
8.5. Claims, excesses and policy obligations during the six (6) months are the winner’s own responsibility on the ordinary policy terms.
8.6. The insurance benefit is not transferable and falls if the vehicle is sold, transferred, or deregistered.
9. Winner notification and handover
9.1. Winners are contacted on the details supplied with their quote, within five business days of the draw.
9.2. Winners must produce their ID and, for the vehicle, a valid driver's license and proof of address, and must sign an acceptance and indemnity form before the prize is released.
9.3. Miway may verify a winner’s identity and eligibility and may withhold a prize while verification is under way.
9.4. The vehicle is handed over at Lazarus Motor Company, 400 West Road, Centurion. Registration, licensing and roadworthy documentation are arranged by the dealership; the winner must attend in person and sign the vehicle.
9.5. Prizes are not transferable, not exchangeable, and not redeemable for cash in whole or in part.
9.6. Winners may be invited to participate in reasonable publicity relating to the Competition, including the use of their name, image and voice. Participation in such publicity is voluntary and a winner may decline without forfeiting the prize. No additional compensation will be payable where the winner voluntarily agrees to participate, unless otherwise agreed in writing.
10. Disqualification
Miway and Metro FM may disqualify an entrant or withdraw a prize where:
10.1. There is fraud, dishonesty or misrepresentation, including false details, altered documents or entries submitted in someone else’s name.
10.2. There are reasonable grounds to suspect abuse of the competition, including multiple entries under different names, identities or accounts, or automated or bulk entries.
10.3. The entrant has not followed these terms or any instruction issued by Miway or Metro FM.
10.4. Awarding the prize would be unlawful or breach any regulation, directive or internal compliance rule.
10.5. Miway reasonably concludes, in its sole discretion, that proceeding would carry reputational, legal or financial risk.
10.6. A disqualified entrant has no claim against Miway, Metro FM, the SABC or any campaign partner, and may be excluded from future Miway campaigns.
11. Tax
11.1. Prizes are awarded in full. Any tax consequence arising from winning is the winner’s own responsibility, and winners are advised to consult their own tax adviser.
11.2. Where the law requires Miway to withhold or report anything in respect of a prize, it will do so.
12. General
12.1. This is a promotional competition conducted under section 36 of the Consumer Protection Act 68 of 2008 and its regulations. No consideration, payment or purchase is required to enter, other than the standard cost of the communication used to enter.
12.2. A copy of these terms is available free of charge at [www.miway.co.za] and on request from Miway.
12.3. Miway will retain the records relating to the Competition for the period and in the manner required by the Consumer Protection Act and its regulations.
12.4. Neither Miway, Metro FM, the SABC nor any campaign partner is liable for any loss, damage, injury, cost or expense — direct or consequential — arising from participation in this competition or from the use or enjoyment of a prize, except where the law does not permit that exclusion.
12.5. Neither Miway nor Metro FM is responsible for entries that are lost, delayed, corrupted, incomplete or not received for any reason, including network, system or platform failure.
12.6. Miway may vary, suspend or cancel this competition at any time without notice. If that happens, entrants waive any rights arising from the competition and have no recourse against Miway, Metro FM or their affiliates.
12.7. Nothing in this competition obliges an entrant to enter into a contract of insurance with Miway.
12.8. These terms are governed by South African law and the South African courts have jurisdiction.
12.9. Miway’s decision on all matters relating to this competition is final and no correspondence will be entered into.
12.10. Entering constitutes binding acceptance of these terms.
13. Data privacy
13.1. Personal information collected during this competition is processed in line with the Protection of Personal Information Act 4 of 2013 (POPIA) and Miway’s Privacy Notice (miway.co.za/privacy-notice).
13.2. Information is used to administer the competition, verify eligibility, award prizes, and — where you have consented — to send you Miway marketing material. You may withdraw marketing consent at any time.
13.3.
Personal information may, where necessary, be shared with Metro FM, the SABC, authorised campaign service providers and the independent person overseeing and certifying the Competition, solely to the extent reasonably necessary to administer the Competition, verify eligibility, conduct the draws, contact winners and fulfil prizes, subject to applicable data-protection requirements.
13.4. Quote information supplied during the competition is also processed for the purpose of providing you with an insurance quote, on Miway’s ordinary terms.
13.5. You may request access to, correction of or deletion of your personal information by following the process in Miway’s Privacy Notice.
14. Promoter
14.1. This competition is promoted by Miway Insurance Limited, a licensed non-life insurer and authorised financial services provider (FSP 33970), 48 Sterling Rd, Kosmosdal, Centurion, 0157, in partnership with Metro FM, a radio station of the South African Broadcasting Corporation SOC Limited.
14.2. Queries: 0860 64 64 64