Job Description

Who are we?

At MiWay, our purpose is to enable people to live their way. We understand that life is not just about "things" but the meaning that those things bring to your life. We believe that technology and innovation have infinite possibilities when it's inspired by humans by you.

Therefore, we focus on our clients' needs; finding new ways to simplify their lives and how they do things.

We give them products, services, and solutions that enable them to live and enjoy life on their own terms – in their own way.

Agile values and principles are strongly embedded in our culture, and they are at the core of how we make decisions and how we approach adding value within the company.

Build a successful career with us

We’re all about building strong, lasting relationships with our employees. We know that you have hopes for your future – your career, your personal development and of achieving great things. We pride ourselves in helping our employees to realise their worth. Through its five business clusters – Sanlam Fintech, Sanlam Life and Savings, Sanlam Investment Group, Sanlam Allianz, Santam, as well as MiWay and the Group Office – the group provides many opportunities for growth and development.

What will you do?

The Motor Claims Investigator is responsible for conducting thorough investigations into motor vehicle insurance claims to detect potential fraud, validate the authenticity of accidents or thefts, and ensure accurate and fair claims decisions. This includes technical vehicle assessments, accident scene reconstructions, fieldwork, interviews, and digital evidence gathering. In addition to investigative excellence, the role requires a strong commitment to customer centricity—ensuring that all interactions with customers, repairers, and witnesses are handled with professionalism, empathy, and integrity. The investigator must balance fraud risk management with the need for fair and efficient resolution of motor claims.The on-the-road investigator will conduct on-site inspections of motor vehicles and accident scenes, gathering physical evidence and interviewing relevant parties to support accurate claims decisions and mitigate fraud risk

What will make you successful in this role?

Minimum Qualification Required

• Grade 12 / National Senior Certificate (NQF Level 4)
• A valid driver's licence (Code B or higher)
• A relevant diploma or degree in Law, Insurance, Risk Management, Forensics or Criminology (advantageous)
• A forensic investigation certification (e.g. CFE) – advantageous
• Technical qualification in Motor Mechanics or Panel Beating (advantageous)

Minimum Experience

• 2 – 3 years of experience in short-term motor insurance claims investigations. (comprehensive, third-party, or commercial fleets)
• Proven experience in accident scene analysis and vehicle damage consistency assessments.
• Experience working with motor-specific forensic tools, fraud indicators, and detection techniques.
• Previous exposure to legal processes, including criminal and civil matters – preferred.
• Field investigations and interviewing experience – essential.
• Proven ability to write investigative and factual reports.

Deliverables include but will not be limited to

• Conduct comprehensive investigations on motor claims flagged for potential fraud, staged accidents, or non-disclosure.
• Perform consistency checks to verify if vehicle damage aligns with the described accident circumstances.
• Conduct telephonic and face-to-face interviews with claimants, third parties, and witnesses.
• Review digital evidence, including telematics data, CCTV footage, and vehicle tracking reports.
• Cross-reference information across internal systems and external data sources (e.g., eNaTIS, industry databases, social media).
• Prepare clear, evidence-based investigation reports with recommendations for claim settlement,repudiation, or further forensic analysis.
• Liaise with internal stakeholders (Claims, Legal, and Underwriting) and external partners (Assessors,SAPS, and Towing services).
• Identify emerging motor fraud patterns (e.g., paper cars, staged collisions) and contribute to fraud detection initiatives.
• Maintain detailed, secure, and POPIA-compliant records of all investigations.
• Meet required SLAs, performance targets, and reporting timelines.

Compeencies Required

• Strong analytical, interviewing, and report-writing skills.
• Technical knowledge of vehicle components, repair methods, and accident dynamics.
• Knowledge of the short-term insurance regulatory and motor-legal environment (National Road Traffic Act).
• Ability to handle conflict and manage multiple high-pressure cases concurrently.
• High levels of integrity, discretion, and professionalism.
• Proficient in MS Office and relevant digital investigation tools

Knowledge and Skills

Claims approvals and rejections

Automotive Damage Claims

Claims Management

Claims Reporting

Claims settlements

Personal Attributes

Interpersonal savvy - Contributing independently

Decision quality - Contributing independently

Action orientated - Contributing independently

Optimises work processes - Contributing independently

Core Competencies

Cultivates innovation - Contributing independently

Customer focus - Contributing independently

Drives results - Contributing independently

Collaborates - Contributing independently

Being resilient - Contributing independently

Turnaround time

The shortlisting process will only start once the application due date has been reached. The time taken to complete this process will depend on how far you progress and the availability of managers. Deadline to apply : 09 September 2026

Our commitment to transformation

At MiWay we believe in cultivating a positive and dynamic working environment that gives you freedom and opportunity to succeed. MiWay is committed to transformation and embracing diversity. This is what drives us to achieve a multicultural workplace with employment equity as a key goal to create an inclusive workforce, reflective of the demographics of our society.