MiWay Car Insurance Review

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MiWay Car Insurance at a Glance

MiWay Car Insurance at a Glance

  • Easy-to-understand insurance options.
  • Loyalty program.

What we like:

Customers can experience the convenience of hassle-free insurance with MiWay's online application and purchase process. No more cumbersome paperwork; just a few clicks, and a customer can secure their insurance policy from the comfort of their own home. MiWay also has your back in the event of a roadside emergency with its 24/7 car emergency assistance programme. Whether it's a flat tyre or a dead battery, a dedicated team from the company is always on standby to provide prompt and reliable assistance.

Best for:

MiWay is recognised for its reliable, digitalized, and hassle-free car insurance products. The company offers a platform that allows you to purchase an insurance plan without delay.

  • Affordable insurance premiums to suit your budget.
  • Ability to manage your own insurance policy online.
  • 24-hour roadside assistance.
  • Car insurance products are limited to four categories.
Table of Content

Although not mandatory as it is in various other countries, having car insurance in South Africa is highly recommended due to the significant number of road accidents and car thefts that occur each year. By opting for a reliable car insurance policy, South Africans can safeguard themselves from incurring undue expenses. MiWay is one of the insurance companies in South Africa that offers comprehensive coverage, ensuring you have plenty of options to choose from.

In this article, we’ll give you a brief rundown of the various MiWay car insurance packages available, as well as the unique options that come with each. We’ll help you navigate the twists and turns of car insurance and give you all the information you need to weigh up the pros and cons of MiWay insurance.

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What Makes MiWay Car Insurance Different?

MiWay’s car insurance plan is designed to provide you with complete peace of mind on the road. With affordable premiums that suit your budget and excellent customer service that includes online policy management, MiWay makes it easy to stay on top of your coverage.

Their simple claims process and easy-to-understand excess structure are designed to ensure that you’ll never be left in the dark when it comes to submitting claims. The company also has 24/7 roadside emergency assistance called WeDrive.

MiWay Car Insurance Coverage Options and Benefits

MiWay enables customers to choose the level of insurance coverage that suits their needs and budget. The company’s care insurance products fall into four major categories:

Comprehensive Insurance Cover

Comprehensive coverage is the most extensive option available. With this type of coverage, you’ll be protected against a wide range of risks, including theft, hijacking, and damages caused by accidents, fire, or natural disasters like hail and floods.

In addition to these benefits, comprehensive insurance also covers damage to your vehicle’s windows and provides liability coverage in the event of an accident. This means that you’ll be covered for any unintentional damage caused to other parties as a result of an accident.

But that’s not all; comprehensive coverage also includes protection against intentional damage to your vehicle. So whether you’re dealing with unexpected accidents or intentional damage, comprehensive insurance has you covered.

Third Party, Fire, and Theft Cover

This type of coverage provides protection against theft and fire-related damages, as well as damages that you may have caused to another person’s vehicle during an accident. While third-party, fire, and theft coverage doesn’t provide as much coverage as comprehensive insurance, it’s still a solid choice for those who want to protect themselves against some of the most common risks on the road.

So whether you’re dealing with unexpected theft or fire-related damages, or you accidentally cause damage to another person’s vehicle, you can rest assured that you’re covered with Third Party, Fire, and Theft coverage.

Third Party Only Cover

For those looking for a more basic car insurance plan, Third Party Only coverage might be the right choice. With this type of coverage, you’ll be protected against liability for any damage you may cause to the property of another person.

It’s important to note that Third Party Only coverage does not cover any damage or loss to your own vehicle. While this means that you’ll need to cover the costs of any damage to your own vehicle out of pocket, it also means that you’ll have a more affordable insurance premium.

Total Loss Cover

This package offers coverage to customers for the complete loss of their vehicles resulting from write-offs, hijacking, or theft. It also provides limited third-party liability coverage. However, the policy does not cover accidental damages that do not result in a total loss.

Pricing and Discounts of MiWay Car Insurance Products

MiWay offers a convenient and hassle-free way of getting a quote for insurance products. All you need to do is visit their website and share your policy schedule. The company generates a matching quote on the spot, and you can seamlessly purchase a plan online via its platform. This saves you a lot of time since there is no need to deal with cumbersome paperwork.

In addition, MiWay offers a discount of one month’s premium when you purchase three full months’ premiums, allowing you to save up to three full months’ premiums in a year.

Where MiWay Car Insurance Can Improve

MiWay can augment its portfolio of insurance packages with some custom-tailored plans that have become more popular in recent years. A typical example is ridesharing insurance.

Frequently Asked Questions (FAQ)

If you make frequent claims and are deemed too much of a risk to insure, your insurer has the right to terminate your coverage. This is commonly known as “cancellation of contract due to multiple claims.” It’s crucial to note that your insurance provider is obligated to inform you of this decision. Always make sure you glance through any documentation from your insurance company, as it could contain vital information regarding the termination of your coverage.

It’s crucial to be truthful and transparent when setting up your insurance policy and when filing claims. Withholding information or providing deceptive information, also known as “non-disclosure” (such as misrepresenting the regular driver of the insured vehicle to obtain a lower premium), can lead to the non-payment of a claim and even result in the cancellation of your insurance contract. Therefore, it’s important to provide accurate and complete information to your insurer to avoid any potential issues.

The “regular driver” is the individual who drives the insured vehicle most frequently within a 30-day period. It’s crucial to specify the regular driver and provide their details to the insurer when setting up your policy. If the regular driver noted on your policy changes or if the incorrect driver is noted, your insurance claim may not be paid out and your policy could be cancelled.

It’s worth noting that MiWay has a unique approach to this. With MiWay, you can give other people permission to drive your car, provided they do not drive it more frequently than the specified regular driver. This is because MiWay’s car insurance premium is customised to the risk profile of the specified regular driver.

It’s possible that your insurance claim was rejected due to your car not meeting security requirements, despite having a car tracker installed. If you’re wondering why your claim was rejected, it’s worth noting that not all vehicle trackers are created equal. Some trackers are designed to report on and track speed or location, while others have more advanced functionality and can track the vehicle in more detail.

To avoid claim rejections, it’s essential to understand and comply with the security device requirements specified in your insurance contract regarding the vehicle tracker. This is because adherence to these requirements can impact the outcome of your claim.

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