Policy Schedule - 614927939

11 October 2022
Mr Boitumelo Michael Sethibo

PER EMAIL: bs******@gmail.com
Client Number : 129708840

Policy Number : 85047779
Dear Mr Sethibo
Thank you for choosing MiWay as your preferred insurer.
Your Policy Wording, Coversheet (Policy schedule) and all relevant attachments confirm the details of your cover.
Please make sure you read through all the documentation to ensure that all your insurance needs are adequately addressed,
that you familiarise yourself with what is expected of you, what the cover excludes, and to confirm that the information noted is
correct. If the information is incorrect, the premium you pay may also be incorrect and could invalidate your cover and negatively
affect future claims.
You can update any information at any time by logging into your MiXpress account, logging into the MiWay App or you can email
us at fixit@miway.co.za .
Besides giving you great customer service, MiWay offers you innovation in the form of #insurancefreedom. Enjoy policy
management at your fingertips with MiXpress (our online portal) or the MiWay App and enjoy a full range of services, including:
• Immediate accident, roadside and home assistance requests
• Quick WeDrive bookings
• Easy claims submissions
• Full policy view
• Easy policy updates
• Accident scene assistant
• Online chat feature
• Generate policy documents
Manage your MiWay portfolio, 24/7/365 by registering your insurance profile on MiXpress or the MiWay App now!
T: 0860 64 64 64 F: 011 990 00 01

E: info@miway.co.za W: www.miway.co.za PostNet Suite #382, Private Bag X121,
Halfway House, 1685.
MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692 48 Sterling Road, Samrand Business Park,
Refer to the MiWay website for directors & company secretary details
Kosmosdal Ext 12.
Licensed non-life insurer & FSP 33970. Ts & Cs apply.
Page 1 of 22
MiHelp Roadside Assistance, our 24-hour emergency assistance programme, is just a call away or tap away. You can call 08600
767 64 (08600 SOS Mi) for those unforeseen emergencies or you can use the MiWay App to request immediate assistance.
Either way, we will ensure you are not left feeling frustrated and helpless. Don’t forget, you also qualify for WeDrive. This is our
home-drive service that will make sure that you get home safely after a night of over-indulging. In other words, you party and we
drive!
We are committed to transparent, world class service and the fair treatment of all our customers. Feel free to give your much
appreciated feedback, whether positive or negative, by visiting the "Have your say" section of our website.
We are confident that your policy provides you with real value for money, combining the widest cover and benefits.
Keep an eye on your inbox to make sure you don't miss out on any information.
Kind regards
Burton Naicker
CEO
MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970)
Page 2 of 22
11 October 2022
Your Coversheet is a summary of the cover you have selected and all the disclosures you have made. Together with your policy wording it sets out the
terms and conditions of your cover with MiWay. We have used the information provided to determine your premium and the conditions of your cover. It is
important to check that all the information on the Coversheet is correct. If any information is incorrect or outdated you need to let us know immediately as
incorrect information may affect the validity of your contract or prejudice future claims.
Client Number 129708840 Policy Number 85047779 Commencement Date 01 November 2022
Name and Surname BOITUMELO MICHAEL SETHIBO ID Number 880127*******

Physical Address 2 T* Mo***lhwa S*r*et, R*t**e*ele
E-mail Address bs******@gmail.com
Mobile Number 083****609 Home Number 053****035 Work Number 012****709
Summary of Cover
Insured Items Premium

MiPersonal Accident R25 000 R6.60
MiWheels - Standard NISSAN-X TRAIL 2.5 A/T (R39)-2003 R613.44
MiMotor Combo Tyre and Rim & MiMotor Combo - Scratch and Dent + Tyre and Rim - Nissan - X Trail 2.5 A/T (R39) - R99.00
Scratch and Dent Green - 2003
Discount For having the above noted multiple insured items on cover R.00
______
Total Monthly Premium (incl 15% VAT) R719.04
The total premium above includes the following SASRIA cover:
Motor related at a premium of R2.02
Your Payment Details
The premium is linked to the policy, which MiWay may amend by giving you 31 days' notice, and further will be adjusted based on items added or
removed during the life of the policy. Your premium must be paid in advance on the preferred collection date according to your payment frequency. If
your premium is not received on your preferred collection date, an attempt may be made to collect your premium in future on a more suitable date in an
effort to keep you covered. The debit amount/premium will be collected from the bank details below, which are not displayed in full for your protection
and security. Please check your nominated account as it is your responsibility to ensure your premium is paid. If payment is not received for three
consecutive months, your policy will automatically be cancelled.
Account Holder BOITUMELO MICHAEL SETHIBO Banking Institution CAPITEC BANK
Branch Name CAPITEC BANK Branch Code 470010
Account Type SAVINGS ACCOUNT Account Number XXXXXX2661
Payment Frequency MONTHLY Preferred Collection Date 1st
This Coversheet becomes a tax invoice when the above amount has been paid and cover has incepted.

Page 3 of 22
Have you given permission for MiWay to obtain your profile information from our contracted bureau and to disclose information about
your insurance and claims history? YES
You have agreed for MiWay to contact you with product offerings YES
Consent has been given for our holding group, associate companies and business partners to contact you with product offerings YES
Previous Incidents
An incident relates to any accident, loss or event that you, any member of your household or anyone covered under this policy, may have suffered
irrespective of whether a claim was submitted or not, or whether the item was insured at the time or not, or whether the item belonged to you at the time
or not.
You declared that you had no incidents in the last 3 years.
Previous Insurance
Have you and/or any person you intend covering under this policy ever had your insurance cover cancelled, been asked to
seek alternative insurance or been refused renewal of insurance by an insurance company, broker or insurance
administrator? NO
Have you had uninterrupted short-term insurance cover for the last 6 months? NO
How many years in total have you had short-term insurance? 0
Needs Analysis
What persuaded you to take up or switch insurance? Cheaper Premium
Insurable Interest
In order for you, the policyholder, to take out insurance on an item you must have insurable interest in the item. Insurable interest means that you will
suffer a direct measurable financial loss by the fact that the item is lost or damaged. By having the noted items on cover you agree that you
have insurable interest in the items.
MiWay will indemnify you only when you have a valid claim and have supplied all the required documentation. If the item claimed for is financed, the first
payment MiWay will make will be towards the finance house.

Page 4 of 22
BOITUMELO MICHAEL SETHIBO
Cover Commencement Date 01 November 2022
The Life Insured
BOITUMELO MICHAEL SETHIBO Date of Birth 27 January 1988
The Cover
Description Insured Value Premium
Accidental Death A lump sum of R25 000 to help with costs and/or loss of R6.60
income as a result of death
Conditions of Cover
• The death must occur within 12 months of the accident and be caused directly and solely as a result of bodily injury caused by an accident
occurring anywhere in the world.
Important Exclusions to Note
• There will be no cover when the death is caused by or resulting from the following:
♦ any existing physical defect or disability
♦ being under the influence of alcohol or drugs
♦ pregnancy or childbirth
♦ suicide, attempted suicide or any intentional self-injury
♦ insanity
♦ any disease passing from one person to another, including any HIV- or AIDS- related illnesses
♦ provoking assault, breaking the law or disturbing the peace
♦ participation in any defence, correctional or security services
♦ an accident which occurs while I am travelling in, getting on or off any aircraft unless:
● I am a fare-paying passenger and
● it is licensed to carry passengers and
● a registered transport company owns it
♦ an accident which occurs while I am taking part in extreme sports for example: Off-road motorcycling; any kind of speed contest other than on
foot; aeronautics; hang-gliding; skydiving; parachuting; mountaineering where the aid of guide ropes is required; rock climbing; game hunting;
hurdling; steeple chasing; polo; professional sports; snow or ice sports; racing with power-driven vehicles, watercraft or aircraft; martial arts;
bungee jumping; scuba-diving or cliff diving
♦ using machinery for commercial purposes
♦ mining or using explosives
♦ or resulted from domestic violence or a domestic dispute

Page 5 of 22
NISSAN X TRAIL 2.5 A/T (R39) 2003
The Vehicle
Vehicle Description NISSAN X TRAIL 2.5 A/T (R39) 2003

Registration Number HS****FS Colour of Vehicle GREEN
Is the vehicle a rebuilt (Code 3)? NO
The Insured Value
The Insured Value is the maximum that will be paid on any claim. The vehicle is insured for its MARKET VALUE at the time of a total loss
occurring. The value of non-standard factory-fitted vehicle sound equipment and non-standard vehicle accessories is not included in the
insured value as you need to specify it to have cover.
The Cover
Description Included/Excluded Premium

Accident and Intentional Damage Included
Theft and Hi-jack Included
Earthquake, Storm, Hail, Flood and Snow Included
Fire and Explosion Included
R5 000 000 Liability to other parties Included
Optional Add-On Cover

Car Hire EXCLUDED
Specified Accessories EXCLUDED
Benefits
MiHelp Roadside Assistance, Medical Access and WeDrive Included
Reasonable towing and storage costs (only on a valid claim) Included
R750 Medical costs for each of the passengers (only on a valid claim) Included
Replacement of locks and keys (only on a valid claim) Included
Free Emergency Alert Included *
Sasria Included
*The regular driver of the vehicle must download the latest version of the MiWay App and enable this feature for use.
The Security
Which security devices are installed in the vehicle?

Immobiliser YES Factory fitted Anti Hijack Unit NO
Tracking Device NO Early Warning Device NO
Where will the vehicle mostly be during the day and night?
Day time Parking BEHIND CLOSED GATES Suburb R*T**E*ELE - GAL***EWE - N*
Night time Parking BEHIND CLOSED GATES Suburb R*T**E*ELE - GAL***EWE - N*

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970) Page 6 of 22
The Regular Driver
The regular driver is the person who drives the vehicle most often in any given monthly period.
Name and Surname Boitumelo Michael Sethibo ID Number 880127*******
Licence Type B Issue Date July ****
Endorsements NONE
The Excess
The Excess is the first amount payable by you on every claim.

The table below shows the excess that you will have to pay in case of the specific claim event.
Excess Value
Accident and Intentional Damage R6 000
Theft and Hi-jack R6 000
Window glass only claim (not glass forming part of roof) R1 120
Earthquake, Storm, Hail, Flood and Snow R6 000
Fire and Explosion R6 000
If any of the following are applicable, one or more additional excess will be added to the above standard excess:
Additional Excess
Single vehicle accident (including driving into an unoccupied vehicle): R3 000
Any incident (excluding window glass only) that occurs within 3 months of the inception date of this policy and the R5 000
insured risk or the policyholder has not had 12 months uninterrupted car insurance immediately prior the start date of
this cover:
The excess payable for the replacement of locks and keys will be the standard excess for the vehicle.
For claims that are submitted by MiWay to Sasria, you will be liable to MiWay for the standard excess and applicable additional excesses in the
tables above. If your claim with Sasria is successful, the excesses paid will be refunded to you. If your claim with Sasria is unsuccessful, the
excess will be maintained.
Conditions of Cover
• For you to have theft and hijack cover, you must ensure that all security devices noted are installed and always in full working condition.
• You will not have theft and hijack cover if your factory-fitted vehicle security system is not working at all times.
• Cover is conditional upon the inspection of the vehicle. The premium will be collected on the agreed date irrespective of whether
confirmation of inspection has been received by MiWay. It is your responsibility to ensure the vehicle gets inspected as you will have no
cover until that has been done.
• Your printable 'AUTHORISED TOWING ONLY' sticker is included in your policy schedule email pack, alternatively, the sticker can be
collected from your nearest inspection centre located on the SMS you received when joining MiWay or on our website. Ensure the sticker
gets attached to your vehicle. In the event of an insured incident that requires towing, contact the MiHelp Call Centre on 08600 767 64 as
authorisation needs to be obtained from MiWay. If you do not use a MiWay approved towing operator you will incur the storage and towing
costs.

Important to Note
• MiWheels refers to any passenger vehicle or LDV. On this personal policy, MiWay does not cover vehicles used for: emergency services,
law enforcement (including traffic control and armed response vehicles), towing, carrying fare-paying passengers (like taxi or shuttle
services), delivery services, any form of racing, driving instruction, rental purposes, being used as a pool car, and vehicles modified for
performance and speed are not covered.
• All non-standard factory-fitted sound equipment and accessories must be specified, if not specified, you will not be able to claim for it. By
non-standard vehicle accessories we mean additional features that did not come with the basic model of the vehicle. It is your responsibility
to determine if your vehicle has any accessories or additional features and to inform us in order to have cover in the event of loss or
damage.

2003 MIMOTOR COMBO - SCRATCH AND DENT + TYRE AND RIM -
NISSAN - X TRAIL 2.5 A/T (R39) - GREEN - 2003
The Vehicle
Vehicle Description 2003 MIMOTOR COMBO - SCRATCH AND DENT + TYRE AND RIM - NISSAN - X TRAIL 2.5 A/T
(R39) - GREEN - 2003
Registration Number HSC205FS New/Used 2
Colour GREEN Metallic Paint X
The Cover
Description Insured Value Premium

MiMotor Combo - Scratch and Dent + Tyre and Rim R10 000 Per Annum R99.00
The Excess
The Standard Excess, which is the first amount payable by you on every claim, is R350.
Conditions of Cover
• You must obtain MiWay's prior consent before commencing with any repairs.
Important to Note
• MiWay will only pay a claim if you report the claim as soon as possible but no later than 30 days after the incident.
• Any damage that occurred before the cover commencement date or in the first 30 days from the commencement of cover is not covered.
• Claims are limited to the maximum annual claim amount.
• Vehicles used for emergency, law enforcement (including traffic control and armed response vehicles), towing, carrying fare-paying
passengers (like taxi or shuttle services), for racing/competitions, driving instruction, rental purposes or being used as a pool car, are not
covered.

MiHelp
08 600 767 64
(08 600 SOS Mi)
Emergency assistance 24 hours a day, 7 days a week - leaving me with peace of mind.
What is an emergency?
• A roadside emergency is any sudden, unexpected event away from my home that requires the immediate and/or urgent
assistance to ensure the safety of my vehicle's occupants or to limit/minimise or prevent loss/further damage to my vehicle.
• A home emergency is any sudden, unexpected event at my home. These are events that require the immediate and/or
urgent services of a domestic tradesman or repairer to ensure the safety of the occupants at my home or to limit/minimise
further damage to my home.
MiHelp Roadside Assistance

Roadside assistance and WeDrive automatically applies in South Africa to each vehicle where MiHelp is noted to be included
on my Coversheet.
Roadside Assistance
Overall Cover Limit per Rolling Year
R4 000 or a maximum number of 3 incidents
(The cost for materials, parts and additional labour are not covered)
MiHelp is still available even if the annual limits are exceeded, but the costs incurred will be for my own account.
What is covered? Limits
Breakdown (excluding accidents): Initial tow in cost
tow to nearest service provider/place of safekeeping (Cost of additional towing is not covered)
Safe storage for vehicle Up to R500
Flat tyre, flat battery, keys locked in vehicle Call-out + 1 hour labour
1 Call-out per rolling year
Run out of fuel
(Cost of fuel is not covered)
If I am stranded more than 100km from my home
Hotel accommodation/alternative transportation (taxi, car
Up to R500
rental)
Repatriation of my vehicle Up to R1 000
WeDrive
What is covered? Available Areas
6 WeDrive Trips for any person driving the risk vehicle – a
home-drive service, which sees to it that I am driven home
safely in my own car after a night out on the town
Johannesburg, Pretoria, Cape Town, Durban, Bloemfontein,
Two drivers will be dispatched to the risk vehicle’s location at Nelspruit, George, Port Elizabeth and East London
the agreed time, and will call me once they've arrived. For a
complete set of FAQs on this service, visit
www.miway.co.za/wedrive.
How to book a trip? Pick-up Times
Call MiHelp at least 2 hours before collection time and 48
hours for collections on weekends, public holidays (the night
Between 17:30 and 03:00
before and on the day) and, in some instances, major public
events
Page 10 of 22
Emergency Alert
MiWay offers an Emergency Alert service which is available in South Africa, on each vehicle where it is noted as included on
my Coversheet (either as MiHelp+ or Free Emergency Alert). Should a vehicle accident be detected, the MiWay 24/7
emergency call center will be alerted and a MiHelp agent will contact me on the number noted on my policy to help me with
emergency assistance. If MiWay detects that it was a serious accident and cannot get hold of me, MiWay will dispatch an
ambulance to the location of the accident. Should the impact not be deemed to be severe by MiWay, an ambulance will not be
dispatched automatically.
MiHelp Home Assistance

Home assistance is automatically included if I have MiHomeStuff or MiPlace covered with MiWay.
Overall Cover Limit per Rolling Year for each address noted on my Coversheet
R2 000 (The costs for materials, parts and additional labour are not covered)
MiHelp is still available even if the annual limits are exceeded, but the costs incurred will be for my own account.
What is covered? Limits
Locksmith, electrician, builder, plumber, glazier, bee keeper
Call-out + 1 hour labour
and tree feller
Assistance with repair of home appliances
Call-out + 1 hour labour
(excluding audio and computer equipment)
Lost bank card notification Notification of relevant authority
Security Call-out + 12 hour shift
MiHelp will at my request, relay emergency notification to police, ambulance, fire brigade or any other emergency services.
MiHelp Medical Access

If I am involved in a Medical Emergency, MiHelp can facilitate arranging the following services, however, all costs incurred are
for my own account.
General medical information and advice available 24 hours from medical personnel, including
Medical Advice and
paramedics, nurses and doctors. This is an advisory service only – a telephonic conversation does
Information Hotline
not permit an accurate diagnosis.
Guidance through a medical crisis situation – provide me with emergency advice and organise for
Emergency Medical
me to receive the support I need utilising the 24-hour Alarm Centre Doctor. The service includes:
Advice and Assistance
rape, family and domestic abuse, trauma, child abuse, bereavement, HIV, suicide and poison
Hotline
hotline.
An appropriate road and/or air response, whichever is the most medically appropriate and within the
Emergency Medical
area, will be undertaken utilising an ambulance, a rapid response vehicle or a helicopter
Response to the scene
immediately to the scene of the medical emergency.
of a Medical
Where appropriate life-saving support will be provided to me and where relevant, I will be stabilised
Emergency and
before transfer (if required) under appropriate medical supervision is provided to the closest,
Medical Transportation
appropriate medical facility capable of providing adequate care.
One-way transportation by road or air ambulance, whichever is most medically appropriate in the
Inter-Hospital Transfer opinion of the attending doctor, to a more suitable or appropriate medical facility for managing my
condition.
In the event of my hospitalisation outside of my hometown (greater than 100km from my place of
Medical Repatriation
residence), MiHelp will arrange for my repatriation to a hospital in or near my hometown.
In the event of my minor children being stranded as a result of my hospitalisation, MiHelp will
Escorted Return of
arrange for their transportation, under supervision where necessary, into the care of a person
Minors
nominated by me.
MiHelp will monitor my medical condition for the duration of my hospitalisation outside of my
In-Hospital Medical
hometown. Should I require it, MiHelp will keep a nominated family member or business colleague
Monitoring
informed of my medical progress.
Should I be hospitalised outside my hometown for a period exceeding 5 consecutive days, MiHelp
Compassionate Visit
will arrange for the transportation of a close relative to visit me.
In the event of my death outside of my hometown (greater than 100km from place of residence),
Repatriation of Mortal
MiHelp will assist with the necessary formalities involved in transporting my mortal remains to a
Remains
location in my hometown.

MiWay Contact Details
Physical address: 48 Sterling Road, Samrand Business Park, Kosmosdal Ext 12, Centurion, 0157
Postal address: PostNet Suite #382, Private Bag X121, Halfway House, 1685
Telephone: 0860 64 64 64
Email: info@miway.co.za
Website: www.miway.co.za
MiWay is a licensed non-life insurer and Financial Services Provider (FSP. 33970). Ts & Cs apply.
MiHelp | 2
Page 12 of 22
Do you have the cover you need?
With MiWay, you have the freedom to package your cover according to your specific needs.
Vehicle product options are listed below for your reference:
Vehicle Product Cover Additional / Optional Cover Benefits Excess
Towing & MiHelp

Product Accidental Theft & Fire & Acts of Liability Window Optional MiValue Credit First amount
Type of Cover Storage* Sasria Roadside WeDrive*
Name & Intentional Hijack Explosion Nature (3rd Party) Glass Cover Car Hire Protect Shortfall following payable by
insured risk Assist
Flat excess
Comprehensive (if
all risks selected)     
Up to R5m
        amount chosen
by client
MiWheels
Flat excess
3rd Party,
Fire & Theft     
Up to R5m
        amount chosen
by client
3rd Party only     

Up to R5m
        No excess
Comprehensive (if
all risks selected)     
Up to R2.5m
        10% of Insured
value
MiWheels Lite
3rd Party,
Fire & Theft     
Up to R2.5m
        10% of Insured
value
3rd Party only     

Up to R2.5m
        R5 000
NO CAR HIRE.
MiWheels
       R4 000 for theft.

Limited
OPTIONAL
Customised
Cover If selected If selected If selected If selected
Up to
R10,000 If selected
TRANSPORT
MONEY COVER
  Limited
   R2 000 for
other risks
ONLY to R500
If selected
MiWheels
3rd Party,
             Up to
Loss
Total
Total Loss If not total loss

incident
Up to R5 000
Total loss = vehicle stolen and not recovered, or R250 000 limited to
where damage ≥ 75% of insured value R3 000
* If not covered (), you may still use our service, but the cost thereof will be for your account. MiWay is a licensed non-life insurer & FSP 33970. Ts and Cs apply.
Page 13 of 22
FAIS DISCLOSURE NOTICE
Disclosures required in terms of the Financial Advisory and Intermediary Services (FAIS) Act (37 of 2002).
Please read this carefully.
The FAIS Act was enacted for my benefit. I note that • Should my insurance be cancelled for any reason,
this disclosure notice does not form part of the I should be supplied with a notice informing me of
insurance contract. such cancellation.
• No person may insist that I sign any incomplete or
The Insurer: blank document.
MiWay Insurance Limited is an authorised non-life
insurer and financial services provider (FSP 33970). Claims Procedures
MiWay is authorised to provide financial advice and I can lodge all claims telephonically by contacting
intermediary services on Category I Short-term (non- 0860 64 64 64, online on the website (miway.co.za),
life) Insurance: Personal Lines, Personal Lines A1 or via the MiWay App (available from my App Store)
and Commercial Lines. as soon as possible, but within 30 days of the claim
event. I should be supplied with written reason/s in
MiWay’s contact details: the event that my claim is repudiated. Polygraph or
Physical Add: 48 Sterling Road any lie detector test is not obligatory in the event of
Samrand Business Park, a claim and the failure thereof must not be the sole
Kosmosdal, Ext 12, 0157 reason for repudiating a claim.
Postal Add: PostNet Suite #382, Private Bag
X121, Halfway House, 1685 If I dispute the outcome of my claim, I must raise an
Telephone 0860 64 64 64 objection in writing to MiWay together with reasons
MiHelp 08 600 767 64 by sending an email to: disputes@miway.co.za,
Facsimile +27 (11) 990 0001 within 90 days from the day that I first received
Website www.miway.co.za written notification of the outcome of my claim.
E-mail info@miway.co.za
If the matter is still not resolved to my satisfaction by
MiWay I may submit a complaint in writing to the
Terms and conditions of engagement: Ombudsman for Short-term Insurance at PO Box
• I must read through all the documents that I 32334, Braamfontein, 2017. I may also contact the
receive from MiWay to ensure that I understand Ombudsman on Telephone: (011) 726 8900,
the contents thereof. I am entitled to a copy of the Fax: (011) 726 5501 and email: info@osti.co.za.
policy documents free of charge. Immediately following the 90 days, irrespective of
• For my protection, all telephone calls are recorded whether an objection was raised, I have a further 6
and copies of the recordings between myself and months within which to serve summons on MiWay. If
MiWay regarding my policy will be provided upon I do not serve summons within this period, my right
request. to challenge the decision is forfeited.
• MiWay has Professional Indemnity insurance and
accepts responsibility for the financial advice of its Complaints Procedures
Representatives, acting in the scope and course I am requested to submit any complaint in writing to
of their employment. complaints@miway.co.za or at any of MiWay's
• MiWay sales advisors are full-time employees and
addresses above or on Telephone: 0860 64 64 64,
receive a once-off incentive on sales made. Fax: (011) 990 0001 or online at www.miway.co.za.
• MiWay has a Conflict of Interest Management
Policy that can be made available upon request. Compliance-Related Complaints
• If the premium is paid by debit order, it may only If I have a problem with the way the product was sold
be in favour of one person and may not be to me, the disclosures that were made to me or the
transferred without my approval. MiWay must advice that was given to me, I may contact the
inform me in writing at least 31 days before the Compliance Officer of MiWay on 0860 64 64 64, or
cancellation of my debit order. email to compliance@miway.co.za.
• The premium payable and the due date (collection
date) are indicated on my Coversheet. Non- If my compliance-related complaint is not resolved to
payment of premiums may lead to my policy being my satisfaction, I may submit a complaint in writing
cancelled or cover being suspended.
live your way

v_Feb2022
Page 14 of 22
to the FAIS Ombud at: payable to MiWay by SASRIA.
PO Box 74571, Lynwood Ridge, 0040.
I may also contact the Ombud on Telephone: (012) For Sasria related matters I may contact Sasria SOC
470 9080, Fax: (012) 348 3447 and email: Ltd, registration number 1979/00287/06, at:
info@faisombud.co.za.
Complaints +27 (11) 214 0821 ext.221
I may also submit a complaint to the FSCA on details Compliance Mr Mziwoxolo Mavuso
noted below: Officer mziwoxolom@sasria.co.za
+27 (11) 214 0800
Physical Riverwalk Office Park, Block B, 41 Telephone +27 (11) 214 0800 / 086 172
Add: Matroosberg Road, Ashlea 7742
Gardens,
Pretoria, 0081 Facsimile +27 (11) 447 8630 / 086 172
Postal Add: PO Box 35655, Menlo Park, 0102 7329
Telephone 012 428 8000/ 0800 20 37 22 Postal Add: PO Box 653367, Benmore, 2010
Email: info@fsca.co.za
Website www.fsca.co.za Physical Add: 36 Fricker Road, Illovo, 2196
Tax clause Website www.sasria.co.za

In terms of Binding General Ruling 14, the
Coversheet constitutes a tax invoice, debit note and Relevant Insurance Cover Held: Yes
credit note as contemplated in sections 20(7)(a) and
21(5)(a) of the VAT Act. Financial Products: Non-Life Commercial &
Personal Lines
SasriaSOC Ltd (Sasria) cover insurer:
Sasria is an authorised non-life insurer and financial Conflict of Interest Policy: Sasria has adopted a
Services Provider (FSP) registered under FSP Conflict of Interest Management Policy to avoid and
number 39117. mitigate any potential conflicts of interest. The policy
is available at www.sasria.co.za
Sasria provides cover in respect of all classes of
business as per the underlying policy, subject to If you have any claims and compliance-related
those classes being insurable by Sasria. issues that have not been resolved to your
satisfaction by Sasria, you may address your queries
MiWay is mandated to act on behalf of SASRIA in to the OSTI, FSCA or FAIS Ombud, the details of
terms of an outsourcing agreement for which a fee is which are noted in this document.
live your way

v_Feb2022
Page 15 of 22
Policy Wording
MiMotor Combo Cover
This policy sets out the general terms and conditions that apply to MiMotor Combo Cover.
Each and every individual who joins MiWay enters into a contract where "me + I" are the most important
considerations. Therefore, this policy wording is written in the first person.
My policy wording, Coversheet and any relevant attachments explain what cover I have and together
with written correspondence from and verbal agreements with MiWay form the basis of my contract.
I must read the entire policy wording and Coversheet to understand and appreciate its full meaning
and impact on me. I must ensure that all the information supplied by me, or anyone acting on my behalf,
is correct and complete as any incorrect information may lead to the voidance or cancellation of my
policy or rejection of my claim.
This policy wording sets out the terms and conditions of cover and defines the cover provided with
various icons to highlight:
 What is covered
 What is not covered
Scenarios (examples) are used where applicable throughout my policy wording to help me understand
certain concepts. I am aware that the scenarios used are not exhaustive and do not form part of the policy
wording.
When material changes to our terms and conditions are made in a new version of the MiWay policy
wording, we will highlight the changes for your ease of reference.
Contents
2 WHAT DOES THIS MEAN?
2 WHEN WILL MY COVER START?
2 WHEN WILL MY COVER END?
3 WHAT MUST I PAY TO HAVE COVER?
3 WHAT AM I COVERED FOR?
4 HOW MIWAY MAY INDEMNIFY ME?
4 WHAT IS MY MAXIMUM CLAIM AMOUNT?
4 WHAT AM I NOT COVERED FOR?
5 WHAT MUST I DO TO HAVE COVER?
5 WHAT MUST I REMEMBER?
6 HOW DO I CLAIM AND WHAT DOCUMENTATION OR INFORMATION MIGHT BE REQUIRED FROM ME?
7 WHAT DO I PAY WHEN I CLAIM?
7 HOW DO I COMPLAIN?
7 MIWAY CONTACT DETAILS
V3 July2021
Page 16 of 22
WHAT DOES THIS MEAN?
Wherever the following words or phrases appear, they will have the meanings described below:
Authorities The following are examples of authorities: South African Police Services, Metro
Police or Traffic Officers. The list must not be deemed exhaustive.
Collection The preferred date of collection selected by me and noted on my Coversheet, or

date The date in terms of the Policyholder Protection Rules with regards to non-
payment of premium, or
The date with regards to pro-rata premium that MiWay and I mutually agree on.
Coversheet The Coversheet (policy schedule) contains my personal details, risk(s) insured,
period of insurance, premium payable, conditions of cover and endorsements
which could be updated from time to time in order to ensure appropriate cover is
effective.
I / My / Me The policyholder named on the Coversheet and anyone acting on behalf of the
policyholder.
Period of The period of cover either annually or monthly as specified on the Coversheet and
Insurance for which premium has been received by MiWay.
Repair Repair of a dent, chip or scratch does not include polishing of the vehicle.
MiMotor Combo Solution

WHEN WILL MY COVER START?
 MiWay and I need to agree on the risk(s) to be insured, the insured value, terms and conditions,
start date, premium and collection date.
 My cover will start when my policy starts. My Policy will only start on condition that the first premium
is received by MiWay.
 No incident occurring within the first 30 days from the start date of my policy will be covered.
Changes
 Any change which I make will be effective from the time and date agreed to.
 If MiWay makes any changes I will be notified 31 days before the time. MiWay may give me notice
either orally, by e-mail, SMS, WhatsApp, fax or post to my email address, cellular number or postal
address noted on my Coversheet.
WHEN WILL MY COVER END?

Cancellation
 I may cancel my policy at any time with immediate effect.
 MiWay may cancel my policy by giving me 31 days’ written notice by email or post to my address
noted on my Coversheet.
 MiWay will cancel my policy with immediate effect should I not follow or act on their reasonable
instructions or requests, commit fraud on a claim, or if I or anyone acting on my behalf is found to
be dishonest in relation to a claim.
 If I do not pay my monthly premium for 3 months in a row, my policy will be cancelled automatically
from 24:00 (midnight) on the last day for which premium was actually received.
 My policy will automatically be cancelled if my annual premium is not paid on the collection date or
on the date after the grace period.
Refunds in the event of cancellation of my policy

If a premium has been paid for any period beyond the date of cancellation of this policy or insured
items, MiWay will refund the relevant portion, less any administrative costs provided that no valid claim
has been submitted for that period.
MiMotor Combo Cover | 2
Page 17 of 22
WHAT MUST I PAY TO HAVE COVER?
 My premium, which is noted on my Coversheet, is due and must be paid in advance monthly or
annually, depending on my period of insurance. My period of insurance is specified on my
Coversheet and runs from my preferred collection date noted on my Coversheet. My period of
insurance will not change should MiWay collect my premium on a different date.
 MiWay will attempt to collect my premium from the bank account I supplied to them. Should the
collection date fall on a public holiday or Sunday, the premium may be collected on the working
day before or on the first working day thereafter.
Scenario: Where the collection date is the 25th of each month and the 25th falls on a Sunday or Public
holiday, MiWay may debit my account earlier, say on the 22 nd BUT the premium collected on the 22nd
still provides me with cover from the 25th of that month till the 24th of the following month.
 MiWay may, should my premium return for any reason, attempt to collect my premium for my next
period of insurance before my preferred collection date in order to ensure payment.
Scenario: If I have a monthly policy and my preferred collection date is on the 27 th of the month, my
cover will be from the 27th until midnight of the 26th of the next month. If it happens that MiWay deducted
my premium on a different date, say on the 21st of December, my cover period will not change due to
the early collection. I will have cover from my preferred collection date, the 27th of December until
midnight on the day before my next collection date, thus 26th of January.
Premium payment not received

 If MiWay does not receive my premium on the collection date, I will not have any cover for the period
for which I did not pay.
 I will have 15 days’ grace from the collection date to make arrangements for funds to be collected
from my chosen bank account, provided that the reason for the non-payment of premium was not
as a result of a deliberate act by me. For monthly policies, this grace period will only apply from the
second month of cover onwards.
 During the grace period I will still be covered, on condition that the unpaid premium is paid within
the time period provided.
WHAT AM I COVERED FOR?

MiMotor Combo covers passenger vehicles, minibuses and light delivery vehicles (LDV) with a gross
vehicle mass not exceeding 3 500kg within the Republic of South Africa.
 Vehicles used for emergency services, law enforcement (including traffic control and armed
response vehicles), towing, carrying fare-paying passengers (like taxi and shuttle services), for any
form of racing or competitions, driving instruction, rental purposes or being used as a pool car are
excluded from cover.
The vehicle that I have insured is noted on my Coversheet.
MiMotor Combo covers my vehicle for minor repairs of the following, caused by day-to-day motoring,
when you obtain MiWay’s prior consent:
 Dents, not ripped or torn, of any part of the body panel and/or plastic/vinyl/hardened rubber trim
not exceeding an area of 15 centimetres in diameter and not extending over 2 or more adjacent
body panels.
 Chips not exceeding an area of 5 millimetres in diameter.
 Scratches not exceeding an area of 25 centimetres in length and not extending over 2 or more
adjacent body panels.
 Windscreen chips not exceeding an area of 10 millimetres in diameter.
 Where any part of the chip has cracked beyond the chip, the damage will be excluded from
cover
 Where the chip impairs the driver's view.
 Rim/Alloy wheel scratches not exceeding an area of 25 centimetres in length and diameter.
 Damage to rims/alloy wheels and tyres.
Page 18 of 22
HOW MIWAY MAY INDEMNIFY ME?
 Subject to the terms of my policy, MiWay has the option to:
► repair my vehicle, tyre and/or rim/alloy wheel through a repairer of MiWay's choice; or
► pay me cash in accordance with the amount on an invoice for the repairs carried out by an
approved repairer or quoted by a repairer of MiWay’s choice, up to the maximum amount as
noted on my Coversheet.
WHAT IS MY MAXIMUM CLAIM AMOUNT?

 My Coversheet reflects the maximum claim amount per annum, which is the maximum amount
(inclusive of VAT) MiWay will pay per annum for all valid claims.
 From this amount the excess and any dual insurance, betterment (wear and tear) or depreciation
will be deducted.
WHAT AM I NOT COVERED FOR?

There will be no cover under this policy in respect of any:
 damage that in MiWay's discretion is deemed to have been incurred as a result of a collision or
other accident and not as a result of day-to-day motoring
 damage falling outside the period of insurance
 damage caused by hail
 damage caused intentionally by:
► me
► any member of my household
► any one acting with my knowledge or permission
 damage caused by or to stickers or decals

 damage to beading or moulding, damage involving accessories, door mouldings, window
mouldings, lamps of any sort or any window panel
 ripped or torn plastic/vinyl/hardened rubber trim parts
 damage resulting in the replacement of any body panel or part thereof
 liability to other parties
 loss, damage, cost or expense directly or indirectly arising from permanent or temporary
dispossession resulting from detention, confiscation, forfeiture, impounding or requisition legally
carried out by customs, police services, crime prevention units or any lawfully constituted officials
or authorities
 damage involving lights, lamps of any type, or window panels
 damage to the load box of any 4x4 vehicle or light delivery vehicle
 consequential loss
 damage, caused by or resulting from:
► pollution, contamination, radioactive or nuclear material
► any cause that was not sudden and unforeseen
► gradual deterioration or operating causes, including damp, corrosion, wear and tear, mildew,
fading, rust or oxidation
► servicing, maintenance, depreciation, cleaning, repairing, restoring, dyeing, bleaching or
alteration
► mechanical, electrical or electronic breakdown, inherent vice or defect, failure, breakage or
derangement
► moth, vermin, insects, animal, pests, termites
► the use of the insured property for, or in connection with, the commission of any offence. This
includes any incident relating to obtaining, using or soliciting narcotics.
 damage, directly or indirectly caused by, related to or in consequence of:
► civil commotion, labour disturbances, riot, strike, lock-out or public disorder or any act or activity
which is calculated or directed to bring about any of the aforesaid
► war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared
or not) or civil war
Page 19 of 22
► mutiny, military uprising, military or usurped power, martial law or state of siege or any other
event or cause, which determines the proclamation, or maintenance of martial law or state of
siege
► insurrection, rebellion or revolution
► any act (whether on behalf of any organisation, body or person or group of persons) calculated
or directed to overthrow or influence any state or government or any provincial, local or tribal
authority with force or by means of fear, terrorism or violence
► any act which is calculated or directed to bring about loss or damage in order to further any
political aim, objective or cause or to bring about any social or economic change or in protest
against any state or government or any provincial, local or tribal authority or for the purpose of
inspiring fear in the public or any section thereof
► any act of terrorism by any person or group, whether acting alone or under instruction
WHAT MUST I DO TO HAVE COVER?

In order to have continuous cover and a valid claim, I must:
 pay my premiums and keep MiWay informed of any changes to the banking details where the
premium must be collected from
 ensure that I, members of my household, any person with authorised access to my property,
anyone acting on my behalf, or anyone covered under this policy adheres to the terms and
conditions of this policy
 give MiWay and the authorities true and complete information at all times. MiWay acts on the
information I give them
 report my claim to MiWay within the time limits required and before any replacement or repair of
damaged rims and tyres are done
 use all reasonable care and take all reasonable steps, with the same degree of carefulness which
can be expected from the reasonable man on the street, to prevent or minimise damage
 follow or act on all MiWay's reasonable instructions and/or requests
Scenario: In the event that MiWay asks me to complete any document to enable MiWay to validate a
claim, I need to do so within the reasonable time set by MiWay.
 inform MiWay immediately of any changes to any information noted on my Coversheet, which
includes but is not limited to:
► the address where I usually keep the insured items
Scenario: If I move from a security estate to a freestanding house I need to inform MiWay of the
new address as the acceptance of the risk, terms and conditions and premium charged need to be
re-assessed by MiWay.
► circumstances that may affect acceptance of cover, terms and conditions or premium charged,
like convictions for offences related to dishonesty by me or any person covered under this
policy
Important Time Limits

MiWay will only pay a claim if I:
 report my claim to MiWay as soon as possible, but not later than 30 days after the incident
 give MiWay all the information and documentation which MiWay may ask for, within a reasonable
time period decided on by MiWay
WHAT MUST I REMEMBER?

Misrepresentation, Misdescription or Non-disclosure
 I must ensure that all the information supplied by me, or anyone acting on my behalf, is correct and
complete as any incorrect information may affect the validity of my contract or prejudice any claim
I might have under this policy.
 If I misrepresent, incorrectly describe or fail to tell MiWay of any important fact or circumstances
relating to this policy, my policy may be cancelled or invalidated from the start date and any claim
under this policy will not be paid.
 Where the policy is invalidated (voided) from the start, all premiums received by MiWay less any
cost incurred by MiWay will be refunded.
Page 20 of 22
Deliberate or Fraudulent Acts
 MiWay will not pay me for a claim when I, members of my household, any person with authorised
access to my property, anybody who acts on my behalf or anyone covered under this policy,
deliberately caused the loss, damage or injury.
 If I or anyone acting on my behalf submits a claim or any information or documentation relating to
any claim, which is in any way fraudulent, dishonest or inflated, all benefits under this policy in
respect of such a claim will not be paid. MiWay will reject the whole claim and all premiums paid
that have been received by MiWay will not be refunded. MiWay will cancel my entire policy
retrospectively to the reported incident date, or the actual incident date, whichever date is the
earliest.
Scenario: If MiWay receives new information at any stage and it is found that I was dishonest on a
previous claim, the previous claim will be rejected and my policy will be cancelled from the previous
reported incident date.
Dual Insurance
If I have any other insurance policies insuring the same item for the same cover, I will be paid
proportionately on a valid claim. I will still be liable to pay the full excess applicable on my claim and
no premium refund will be available to me.
Permission to Disclose Private Information

MiWay does not and will not transfer, process or provide my personal information for independent
unauthorised use to or by third parties. MiWay may, however, share my personal information with other
insurers and MiWay business partners if that information is required to provide the product or service I
have requested. However, MiWay business partners will adhere to using my information only as
directed by MiWay.
The following list includes but is not limited to some of the instances when MiWay will disclose the
personal information obtained from me:
 When any regulatory authority requests same;
 To comply with any regulation or any legal process;
 To enforce and protect MiWay’s rights and property (including intellectual property) and/or where
MiWay has a legitimate interest to do so;
 When I have expressly authorised MiWay to do so; or
 If MiWay undergoes a change in ownership.
Access to Personal Information within MiWay is restricted to those individuals who have a need to
access the information for MiWay’s business purposes.
 I hereby give consent to MiWay to:
► retain, process, and verify my information against reputable and secure database sources and
provide to any other insurance company, any insurance information I or anyone on my behalf
or anyone covered under this policy has given MiWay regarding any insurance policy or claim
made or lodged by me, anyone acting on my behalf or anyone covered under this policy.
► retain and/or share my information for research and statistical purposes.
► process my information for the purposes of determining premium, excess and any other risk
related matter relating to this policy.
► use any available information, in order to assist MiWay in validating a claim, that is
derived from my:
o vehicle's tracking device, internal computer, dashcam, MiWay App and any
other security installed
o CCTV footage and/or any security installed at my property which is noted on
my Coversheet.
 MiWay will retain my information for the prescribed period of 5 years, or for as long as required or
entitled by law, after termination of my policy, after which MiWay will de-identify (where the
information can no longer be used to identify me) my information.
Page 21 of 22
 This permission clause will remain in force even after my policy has been terminated for
whatever reason and for the duration that the de-identified information is retained by
MiWay.
HOW DO I CLAIM AND WHAT DOCUMENTATION OR INFORMATION MIGHT BE

REQUIRED FROM ME?
 I must submit my claim within the required period and can do so by calling the claims department
on 0860 646464.
 A Claims Guidance document is available on the MiWay website in which I will find more
information about the claims process and what MiWay might require from me during the validation
process.
WHAT DO I PAY WHEN I CLAIM?

 Every time I have a valid claim in terms of this policy, whether the incident was my fault or not, I
must pay an excess, which is the agreed excess and any applicable additional excesses, as noted
on my Coversheet. The excess is the first amount payable by me on any valid claim.
Scenario: If my claimed amount (i.e. R200) is less than the excess payable (i.e. R350) on the claim,
MiWay will not pay my claim as the damage falls within my excess. I will have to pay for the damage
myself.
 Any excess payable by me is non-refundable and the recovery thereof, in cases where the incident
was not my fault, is not guaranteed.
HOW DO I COMPLAIN?
 If I am not satisfied with anything concerning my insurance policy with MiWay, I may lodge a
complaint with the internal complaints department by sending an e-mail to
complaints@miway.co.za or by calling the MiWay call centre on 0860 646464. I may request to
speak to a manager.
 If I am not satisfied with the outcome of my claim and/or I do not agree with the feedback provided
by the internal complaints department/manager, I must first raise my objection with reasons in
writing to MiWay. In the case of an objection to the outcome of a claim the objection must be made
together with reasons within 90 days from the day that I first received written notification of the
outcome of my claim.
The objection must be addressed to the Disputes Resolution Department and emailed to
disputes@miway.co.za or faxed to 011 990 0001 or posted to MiWay Insurance, PostNet Suite
#382, Private Bag X121, Halfway House, 1685.
Immediately after the 90 days, irrespective of whether I have raised an objection, I have another
six months within which to sue MiWay. If I do not sue (serve summons) within this period, my right
to challenge the decision will fall away forever.
 Should my complaint still not be resolved by the Dispute Resolutions Department I may approach
the Ombudsman for Short-term Insurance for assistance: PO Box 32334, Braamfontein, 2017; Tel
Number: 011 726 8900; Fax Number: 011 726 5501.
By approaching the Ombudsman for Short-term Insurance my right to issue summons will not fall
away, any remaining time of the abovementioned six months will not run out during the time the
Ombudsman has acknowledged my complaint and is dealing therewith.
Scenario: If I approach the Ombudsman for Short-term Insurance one month after I have received notification
of the outcome of my objection from MiWay's Dispute Resolutions Department, I will still have 5 months after
I receive a ruling from the Ombudsman, to sue MiWay if I want to continue disputing the outcome of my claim.
MiWay Contact Details

MiWay Insurance Limited
Physical address: 48 Sterling Road, Samrand Business Park, Kosmosdal, Ext 12, 0157
Postal address: PostNet Suite #382, Private Bag X121, Halfway House, 1685
Telephone: 0860 64 64 64
Email: info@miway.co.za
Website: www.miway.co.za
MiWay is a licensed Non-Life Insurer and Financial Services Provider (FSP 33970).
Page 22 of 22

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11 October 2022

Mr Boitumelo Michael Sethibo

Client Number : 129708840

Thank you for choosing MiWay as your preferred insurer.

• Immediate accident, roadside and home assistance requests

• Quick WeDrive bookings

• Easy claims submissions

• Full policy view

• Easy policy updates

• Accident scene assistant

• Online chat feature

• Generate policy documents

T: 0860 64 64 64 F: 011 990 00 01

MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

Name and Surname BOITUMELO MICHAEL SETHIBO ID Number 880127*******

Insured Items Premium

MiWheels - Standard NISSAN-X TRAIL 2.5 A/T (R39)-2003 R613.44

Your Payment Details

MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

You declared that you had no incidents in the last 3 years.

What persuaded you to take up or switch insurance? Cheaper Premium

MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

Cover Commencement Date 01 November 2022

The Life Insured

BOITUMELO MICHAEL SETHIBO Date of Birth 27 January 1988

Important Exclusions to Note

MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

Cover Commencement Date 01 November 2022

Vehicle Description NISSAN X TRAIL 2.5 A/T (R39) 2003

The Insured Value

Description Included/Excluded Premium

Optional Add-On Cover

Which security devices are installed in the vehicle?

MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

The Excess is the first amount payable by you on every claim.

MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

Cover Commencement Date 01 November 2022

Description Insured Value Premium

MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

MiHelp Roadside Assistance

MiHelp Home Assistance

MiHelp Medical Access

MiWay Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

Vehicle Product Cover Additional / Optional Cover Benefits Excess

Towing & MiHelp

3rd Party only     

3rd Party only     

       R4 000 for theft.

Total Loss If not total loss

live your way

Tax clause Website www.sasria.co.za

live your way

Collection The preferred date of collection selected by me and noted on my Coversheet, or

MiMotor Combo Solution

WHEN WILL MY COVER END?

Refunds in the event of cancellation of my policy

MiMotor Combo Cover | 2

Premium payment not received

WHAT AM I COVERED FOR?

The vehicle that I have insured is noted on my Coversheet.

MiMotor Combo Cover | 3

WHAT IS MY MAXIMUM CLAIM AMOUNT?