MiWay does not do insurance my way

Absolute displeasure at this company and the way they claim to give insurance freedom, car breaks down at 11pm, tow truck gets to me at 6am and I have to pay the full cost of getting the car and myself home, I could’ve easily called AA and got myself sorted in way less time without involving them at ALL

Another thing , I have a claim pending and in as much as it’s been approved, I have to pay double excess such that 80% of the invoice for fixing my car is paid by me (invoice R12k, excess 8,5k, this is for a bumper mind you) It would appear if I had the time of day to go around looking for alternatives, I’m sure my car could be fixed by myself for less than the excess required..

ALL whilst I’d been insured with these guys for over 3 years uninterrupted, and I was promised a prize when joining MiWay, not only was it impossible and tedious to claim, but I have yet to receive said prize and they never followed up on whether or not I did get it...

It seems either way one looks at it, I’m just paying for affiliation, because I do not see where my premiums are going!! whenever I have a problem and need their assistance, I’m ALWAYS gonna fork out a decent sum of money as if they were not there at all! Yes they will get some agent to be friendly and appear helpful, but all he/she helps with, is taking your money and asking if you’re ok...

To hell with MiWay this is ****************