Car Insurance South Africa 2026
MiWay
MiWay
Car Insurance
Direct insurer backed by Santam. Competitive pricing for straightforward risk profiles.
Compare our panel →
Direct insurer backed by Santam. Competitive pricing for straightforward risk profiles.
Compare our panel →Backed by Santam — SA's largest short-term insurer by premium income
Competitive pricing for standard risk profiles
Strong digital tools and straightforward policy management
Good claims reputation backed by Santam's financial strength
Direct model — limited broker support for complex claims
Not on the Compare Car Insurance quote panel
Pricing may not be competitive for high-risk profiles
MiWay is a direct personal lines insurer launched in 2010 and wholly owned by Santam Limited — South Africa's largest short-term insurer by premium income. The Santam backing provides substantial financial strength and claims capacity behind what is otherwise a lean, digital-first operation.
You can get a quote directly from MiWay at miway.co.za.
MiWay is positioned as a value-focused direct insurer — competing with the Telesure brands and OUTsurance on price while leveraging the Santam financial backing for credibility. Its pricing is particularly competitive for low-to-medium risk profiles in the hatchback and small SUV segments.
MiWay does not have the brand recognition of OUTsurance or the Telesure brands in many markets, but its parent company Santam is the most financially secure short-term insurer in South Africa. Claims backed by Santam's balance sheet carry a level of certainty that newer, lighter-capitalised entrants cannot match.