27 October 2023

Mr Makhina Cecil Manamela

PER EMAIL: ma*********@gmail.com

Quote Number : 95051960

Quote Date : 27 October 2023
Quote Expiry Date : 27 November 2023

Dear Mr Manamela

Thank you for considering MiWay and allowing us the opportunity to quote you.

We have attached the quote you requested, which is valid for 31 days and will expire on the Quote Expiry Date above.

When considering this quote, keep the following benefits in mind:

• Full online control of your policy - when and where it suits you
• Online 24/7/365 claims logging
• Awesome customer service - as seen on HelloPeter.com and on MiWay.co.za
• Very competitive premiums, whilst offering benefit rich products

We are committed to transparent, word-class service and the fair treatment of all our customers.

An agent will give you a call to check whether you’re happy with the quote – alternatively, give us a call on 0860 64 64 64 or
reply to info@miway.co.za. If you prefer doing things online, simply register on www.miway.co.za and you can continue with this
process on our website.
Should you accept this quote, we are confident that your policy will provide you with real value for money.

Kind regards

The MiWay Team

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.
27 October 2023

Please take note that the quotation is valid for 31 days and will expire on 27 November 2023.

Quote Number 95051960 Proposed Commencement Date 27 October 2023

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

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970)
Name and Surname MAKHINA CECIL MANAMELA ID Number 970130*******
Physical Address 33* B*cke** S*r*et, Arc***a
E-mail Address ma*********@gmail.com
Mobile Number 079****411 Home Number Work Number

Summary of Cover

Insured Items Premium

MiPersonal Accident R25 000 R6.60

MiWheels - Standard CHEVROLET-SPARK 1.2 CAMPUS/CURVE 5Dr-2016 R1 083.41

Discount For having the above noted multiple insured items on cover R.00
______
Total Quoted Monthly Premium (incl 15% VAT) R1 090.01
The total premium above includes the following SASRIA cover:
Motor related at a premium of R2.02

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?
Have you been noted as the regular driver on someone else's policy? NO

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

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970)
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.

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

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970)
 MAKHINA CECIL MANAMELA

Proposed Commencement Date 27 October 2023

The Life Insured

MAKHINA CECIL MANAMELA Date of Birth 30 January 1997

The Cover
Description Insured Value Quoted 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

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

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970)
 CHEVROLET SPARK 1.2 CAMPUS/CURVE 5Dr 2016

Proposed Commencement Date 27 October 2023

The Vehicle

Vehicle Description CHEVROLET SPARK 1.2 CAMPUS/CURVE 5Dr 2016

Registration Number Colour of Vehicle WHITE
Is the vehicle a rebuilt (Code 3)? NO Is the vehicle financed? NO

The Insured Value

The Insured Value is the maximum that will be paid on any claim. The vehicle is insured for its TRADE 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 Use

The Use describes what the regular driver will use the vehicle for on a daily basis in any given month. This vehicle will be used for PRIVATE
purposes only and will not be used to perform any business/job function or to derive an income with.

The Cover

Description Included/Excluded Quoted 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
Total Quoted Monthly Premium (incl 15% VAT) R1 083.41

*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 BRY***TON - SA*D**N - *TG
Night time Parking BEHIND CLOSED GATES Suburb *RCA**A - PRE**RIA - *TG

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

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970)
 The Regular Driver

The regular driver is the person who drives the vehicle most often in any given monthly period.
Name and Surname Makhina Cecil Manamela ID Number 970130*******
Licence Type C1 Issue Date November ****
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 R7 000
Theft and Hi-jack R7 000
Window glass only claim (not glass forming part of roof) R1 120
Earthquake, Storm, Hail, Flood and Snow R7 000
Fire and Explosion R7 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

• My vehicle can be insured for either private use or business use. Private use is where the vehicle is exclusively used for private or social
purposes, including driving between my home and regular place of work. Business use is where the vehicle forms an essential part of the
performance of any work or function and it also includes private use. I have selected that my vehicle is insured for Private Use. It is
important that I insure my vehicle for the correct use in order to have cover. SCENARIO: If I use my vehicle for business purposes, my
vehicle is on the road more often than if I only use it for private purposes. The chance of it being stolen or involved in an accident is
therefore much greater. The premium for a vehicle being used for business purposes is higher compared to the same vehicle being used
only for private purposes. If I insure my vehicle for incorrect use I will not have cover in the event of a claim as the premium paid will be
incorrect.
• 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.

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

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970)
 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.

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

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970)
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
 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 Insurance Ltd Reg No 2007/026289/06 VAT No 4110242692

MiWay is a licensed non-life insurer and Financial Services Provider (FSP 33970)
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.
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