Santam — SA's largest short-term insurer — owns MiWay outright. You get the financial strength of the country's biggest insurer at a direct-to-consumer price. No broker in the middle.
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 not an independent startup. It is wholly owned by Santam Limited — South Africa's largest short-term insurer, with over a century of operating history and the strongest balance sheet in the SA short-term market. When you insure with MiWay, your claims are backed by Santam's financial strength. You just pay direct-to-consumer pricing instead of broker-routed Santam pricing.
That's the core proposition: the financial security of SA's biggest insurer, priced for a direct market.
MiWay offers comprehensive, third-party fire and theft, and third-party only cover. The product is clean and straightforward — no complex product tiers to navigate. Cover includes roadside assistance, emergency medical expenses, and car hire options. Everything is managed directly: quoting, amendments, and claims are handled telephonically or via their app without a broker intermediary.
MiWay prices competitively for low-to-medium risk profiles — everyday hatchbacks, family SUVs, popular bakkies. They are particularly competitive for drivers in their 30s and 40s with clean claims histories. Younger drivers and higher-risk profiles typically see larger loadings, as with all direct SA insurers.
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Compare quotes now →Insurance is only as good as the company paying out behind it. Santam has SA's largest short-term insurance balance sheet. When a major weather event, a third-party liability claim, or a total write-off comes through, the solvency behind the claim matters. MiWay inherits that financial depth.
Newer SA insurers — digital-first startups, peer-to-peer models, international brands building local presence — cannot offer that level of backing at this stage. If financial security behind the policy is a priority for you, MiWay's Santam parentage is a substantive advantage.