Switching car insurance providers can feel like a daunting task—especially with the overload of options in today’s fast-paced digital world. But the truth is, changing your car insurance in 2025 is easier than ever if you follow the right steps. Whether you’re looking for better value, improved service, or simply a provider that aligns with your lifestyle, here’s a stress-free guide to making the change.

1. Know Why You’re Switching

Before you start browsing new insurance providers, identify the reasons you’re considering a change. Common reasons include:

• Rising premiums with no added benefits
• Poor customer service or claim handling
• Limited coverage options
• A change in your driving habits or vehicle

When you’re clear about your “why,” you can better compare and choose a provider that truly meets your needs.

2. Review Your Current Policy

Go through your existing policy to understand what you’re covered for and what you might be missing. Make note of:

• Coverage limits
• Excess amounts
• Exclusions and conditions
• Renewal or cancellation fees

This step will help you avoid losing critical coverage during the switch and ensure you’re not paying for unnecessary extras.

3. Get New Quotes and Compare Offers

Start by getting quotes from multiple insurers. Use online comparison tools or request direct quotes from trusted names in the industry. When comparing:

• Don’t just look at price—compare benefits, excess amounts, customer reviews, and value-added services.
• Make sure the policies are “like for like” in terms of coverage.
• Look for insurers that reward safe driving, offer customisation, or support flexible payment options.

Miway Insurance, for example, offers fast online quotes and allows policyholders to manage their cover easily through a mobile app—making the switch more convenient.

4. Choose a New Insurer With Confidence

Once you’ve found a better deal, ensure that the car insurance company is reputable and licensed with the Financial Sector Conduct Authority (FSCA) in South Africa. This protects you from unreliable or fraudulent providers.

Also consider the insurer’s:

• Claims process efficiency
• Communication channels (online chat, app, phone support)
• Extra services like roadside assistance or hail cover

If customer support and transparency are important to you, prioritise insurers with a track record of strong service.

5. Time Your Switch Properly

To avoid gaps in coverage, ensure your new policy begins on the same day or before your old policy ends. Ideally:

• Confirm that your new policy is active and paid before cancelling the old one.
• Set up a debit order or payment to avoid missing the first premium.
• Request confirmation of activation from your new insurer.

This timing ensures you’re always protected—especially if something happens on the day of the change.

6. Cancel Your Existing Policy in Writing

Once your new cover is active, inform your current insurer of the cancellation in writing. Most insurers require 30 days’ notice unless otherwise specified in the policy. Don’t forget to:

• Ask for written confirmation of the cancellation
• Ensure no premiums are debited after the final month
• Keep a copy of all correspondence for your records

Some insurers may try to retain you with a counteroffer—feel free to consider it, but don’t be pressured.

7. Keep Records and Stay Informed

Always retain:

• Your final premium statement from the old insurer
• Proof of cancellation
• Your new policy schedule and terms

This paperwork is essential if any disputes arise later or if you need to prove continuous coverage for regulatory or legal reasons.

Final Thoughts

Changing your car insurance doesn’t need to be stressful. With a bit of planning and careful comparison, you can upgrade to a better policy that suits your lifestyle and budget. Whether you’re switching for affordability, coverage, or better service, the key is to do it smartly and without rushing.

Start comparing today—and if you’re after convenience and digital-first service, Miway Insurance is a great place to begin your search.