Question 1

What is an excess in car insurance?

Accepted Answer

An excess is the amount you pay towards a claim. Choosing a higher excess may reduce your monthly premium.

Question 2

Who pays if an uninsured driver hits me?

Accepted Answer

If you have comprehensive car insurance, your insurer may cover the damage and recover the costs from the responsible driver where possible.

Question 3

How quickly can I get a quote?

Accepted Answer

You can get a personalised car insurance quote online in just a few minutes.

Question 4

Why should I choose Miway to insure my car?

Accepted Answer

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

Question 5

What does Miway car insurance cover include?

Accepted Answer

Our car insurance covers a wide range of incidents, from accidents and theft to fire, natural disasters and more. You can customize your cover with add-ons like window and glass cover 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   Fire and explosion o   Free emergency alert (Only via the app) o   Earthquake, storm, hail, flood and snow o   Window / glass cover o   Replacement of locks & keys (On valid claims only) o   Towing and storage costs (Reasonable) o   Wedrive (Take-me-home service x 6 each year) o   Mihelp 24/7 roadside help o   Liability to other parties

Question 6

How much does Miway car insurance cost?

Accepted Answer

The cost of your car insurance depends on a bunch of ‘risk’ factors, like your age, your driving experience, your car’s make and model, and its location in the day and at night. Together, these factors will help us set your monthly car premium.

Question 7

What types of car insurance cover does Miway have?

Accepted Answer

Miway offers three main car insurance options to choose from, depending on what you need and what you can afford. These are: Comprehensive, Lite, and Total Loss.

Question 8

What is my excess with Miway car insurance?

Accepted Answer

We set your excess at a standard R5 000 because we want to make sure you can afford this out of 
pocket expense when you make a claim. However, we give you the freedom to dial your excess up or down.  Just remember, the lower your excess, the higher your monthly premium payment, and vice versa. Whatever you decide to set your excess at, just make sure you can afford it as a single lump sum payment when you claim.

Question 9

Does Miway offer credit shortfall and why do I need it?

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 car, and the amount your insurer will pay out if your car is written off or stolen.

Question 10

What’s the difference between comprehensive, lite and total loss insurance cover?

Accepted Answer

Basically, we’ve created different types of cover to match your budget and your needs. Comprehensive cover gives you all the bells and whistles but will cost more than Miway Lite, for example. You can click here for a complete overview of all our cover options.

Question 11

Is the online quote final and accurate?

Accepted Answer

Yup! As long as the information you shared with us is accurate, your quote will be too. Of course, while your quote is final, you can always add on Miway Extras or change your policy at any time through the Miway App or our Self-service portal.  But the premium we quote you is exactly what you’ll pay, no hidden fees or surprises.

Question 12

How do I put in a car insurance claim?

Accepted Answer

We make it so easy for you to claim. You can do it anytime via our Self-service portal or on the Miway App – you’ll be able to upload all your pics and docs there. Or you can chat to one of our Claims agents on 0860646464 during office hours. They’ll take you through the entire process from end to end.

Question 13

When do I need to pay my 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 14

Do I need to be a regular driver to insure my car with Miway?

Accepted Answer

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

Question 15

Will I be covered if someone else drives my car and they get into an accident?

Accepted Answer

Yes, you will be if they have a valid driver’s 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 16

Why do I need to install a tracking device?

Accepted Answer

It’s a great way to keep your car safe, and those tracker teams really do all they can to get your car back to you. But, just as importantly, because car theft is such an everyday event in South Africa, you’ll need an approved tracking device in place in order to get car insurance.

Question 17

How much can my car be insured for?

Accepted Answer

It all depends on the value you insured your car 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 car 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 car (lowest value) o   Market value: The average selling price of similar cars in your area (middle value)

Question 18

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 car and to the other car/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 19

What factors affect my car insurance 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 car you drive, etc.

Question 20

Can I cancel my car 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.

Question 21

What is self-inspection and why do I need to complete it?

Accepted Answer

To get car insurance, you first need to have your car inspected so we know what condition it’s in. We make it easy for you to do this – you can do a self-inspection on the Miway App in your own driveway, so you don’t need to drive out to one of our inspection centres.

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