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The insurer pays the remaining covered amount, subject to the policy terms, limits and claim assessment. The applicable excess is normally shown on the quote, policy schedule or coversheet.",[1540],{"start":32,"end":8,"type":219,"data":1541},{"link_type":81,"url":1542,"target":138},"https://www.miway.co.za/car-insurance",{"type":73,"text":1544,"spans":1545,"direction":76},"",[],"article_content_text$d24017da-3244-4569-b3b9-afcfc4671d55","article_content_text",{"variation":1531,"version":1532,"items":1549,"primary":1550,"id":1556,"slice_type":1547,"slice_label":9},[],{"heading":1551,"content":1552,"link_heading":1380},"Why do insurers charge an excess?",[1553],{"type":73,"text":1554,"spans":1555,"direction":76},"An excess shares part of the claim cost with the policyholder and reduces the processing of very small claims. It also affects pricing: accepting a higher excess may lower the monthly premium, while selecting a lower excess may increase it. The relationship is insurer- and risk-profile specific.",[],"article_content_text$57bf7db0-47dc-4576-9bfa-30ddf6e6910d",{"variation":1531,"version":1532,"items":1558,"primary":1559,"id":1565,"slice_type":1547,"slice_label":9},[],{"heading":1560,"content":1561,"link_heading":1380},"What types of car insurance excess are there?",[1562],{"type":73,"text":1563,"spans":1564,"direction":76},"A standard or compulsory excess is the base amount required by the policy. A voluntary or flexible excess is an amount selected to adjust the premium. An additional excess may apply on top of the base amount in circumstances listed on the coversheet, such as certain drivers, incidents or optional benefits.",[],"article_content_text$20b6228f-5ea9-47d7-9615-21d47e0408fc",{"variation":1531,"version":1532,"items":1567,"primary":1568,"id":1574,"slice_type":1547,"slice_label":9},[],{"heading":1569,"content":1570,"link_heading":1380},"Fixed excess vs percentage excess",[1571],{"type":73,"text":1572,"spans":1573,"direction":76},"A fixed excess stays at the stated rand amount. A percentage excess changes with the value used in the policy formula and may include a minimum. If a policy applies 10% to an R80,000 claim, the calculated excess is R8,000 before any minimum or additional excess is considered. Always check what the percentage is based on.",[],"article_content_text$5d532abf-e59d-45bd-a31f-ef8cf7f5400d",{"variation":1531,"version":1532,"items":1576,"primary":1577,"id":1587,"slice_type":1547,"slice_label":9},[],{"heading":1578,"content":1579,"link_heading":1380},"How does excess work during a claim?",[1580],{"type":73,"text":1581,"spans":1582,"direction":76},"Once a claim is approved, the excess may be paid to the repairer, deducted from a cash settlement or handled in another way stated by the insurer. MiWay's claims guidance describes excess as an upfront, out-of-pocket contribution and notes that additional excesses appear on the policy coversheet.",[1583],{"start":108,"end":1584,"type":219,"data":1585},170,{"link_type":81,"url":1586,"target":138},"https://www.miway.co.za/claims/","article_content_text$e2a95472-f958-445b-b217-87c7a0a367bc",{"variation":1531,"version":1532,"items":1589,"primary":1590,"id":1596,"slice_type":1547,"slice_label":9},[],{"heading":1591,"content":1592,"link_heading":1380},"Character Count: 33Word Count: 7Line Count: 1\nDo you pay excess on every claim?",[1593],{"type":73,"text":1594,"spans":1595,"direction":76},"Not always. Benefits and claim types can have different excess rules. Do not assume it will be waived because another driver caused the accident; the insurer may require payment first and then attempt recovery.",[],"article_content_text$65cf77db-2d81-4a83-b45a-c81631dac918",{"variation":1531,"version":1532,"items":1598,"primary":1599,"id":1605,"slice_type":1547,"slice_label":9},[],{"heading":1600,"content":1601,"link_heading":1380},"Can an excess be refunded after recovery?",[1602],{"type":73,"text":1603,"spans":1604,"direction":76},"If the insurer recovers costs from a responsible third party, some or all of the excess may be returned according to the recovery outcome and claims process. Recovery is not guaranteed and may take time, so ask how updates and refunds are handled.",[],"article_content_text$54a0f33c-13fb-4ba1-a711-208001190e47",{"variation":1531,"version":1532,"items":1607,"primary":1608,"id":1614,"slice_type":1547,"slice_label":9},[],{"heading":1609,"content":1610,"link_heading":1380},"How does excess affect the monthly premium?",[1611],{"type":73,"text":1612,"spans":1613,"direction":76},"A higher selected excess often lowers the premium because the policyholder accepts more claim-time cost. A lower excess often raises the premium but reduces the amount due after an incident. Compare the annual saving with the extra excess you would need to fund.",[],"article_content_text$5402717c-a23f-49a4-a50c-8b3d9e5ff974",{"variation":1531,"version":1532,"items":1616,"primary":1617,"id":1623,"slice_type":1547,"slice_label":9},[],{"heading":1618,"content":1619,"link_heading":413},"Should you choose a higher or lower excess?",[1620],{"type":73,"text":1621,"spans":1622,"direction":76},"Choose an excess that could be paid as a lump sum without expensive credit. A higher amount may suit someone with accessible savings who prefers lower premiums; a lower amount may suit someone who values predictable claim costs. Driving frequency alone should not decide it.",[],"article_content_text$12ec91a3-afeb-4659-a081-353052d24cd8",{"variation":1531,"version":1532,"items":1625,"primary":1626,"id":1632,"slice_type":1547,"slice_label":9},[],{"heading":1627,"content":1628,"link_heading":1380},"What should you check before accepting a quote?",[1629],{"type":73,"text":1630,"spans":1631,"direction":76},"Compare the total applicable excess, not only the headline premium. Check the base amount, voluntary selection, percentage formula, minimum and additional excesses. Confirm whether separate rules apply to theft, glass, weather damage, specific drivers, total loss or optional benefits.",[],"article_content_text$3f99abde-274b-45be-8ca2-49b93861d29d",{"variation":1531,"version":1532,"items":1634,"primary":1635,"id":1641,"slice_type":1547,"slice_label":9},[],{"heading":1636,"content":1637,"link_heading":1380},"Expert insight and conclusion",[1638],{"type":73,"text":1639,"spans":1640,"direction":76},"The cheapest premium is not automatically the most affordable policy. Compare the monthly cost, the worst realistic excess and what triggers extra charges. Keep the selected excess in accessible savings so a repair or settlement is not delayed by a cash-flow problem.\n\nCar insurance excess determines how much of an approved claim the policyholder must fund. Before choosing cover, understand the base amount, calculation method and possible additional excesses. The right option balances a manageable monthly premium with a claim-time payment that remains realistically affordable.\n\n",[],"article_content_text$8b7ed181-474b-4901-b65f-ac94aedeff1f",{"variation":1643,"version":1532,"items":1644,"primary":1645,"id":1708,"slice_type":1547,"slice_label":9},"subheadingBulletLists",[],{"heading":1497,"content":1646,"sub_sections":1647,"link_heading":413},[],[1648,1654,1660,1666,1672,1678,1684,1690,1696,1702],{"subheading":1649,"list":1650,"link_subsection":1380},"What is excess in car insurance?",[1651],{"type":73,"text":1652,"spans":1653,"direction":76},"It may be a fixed rand amount, a percentage, a minimum amount or a combination. Check the policy schedule or coversheet for the exact formula and any additional excesses",[],{"subheading":1655,"list":1656,"link_subsection":1380},"What is the difference between compulsory, voluntary and additional excess?",[1657],{"type":73,"text":1658,"spans":1659,"direction":76},"Compulsory excess is the policy base amount. Voluntary or flexible excess is selected to adjust the premium. Additional excess is charged on top when a listed circumstance applies.",[],{"subheading":1661,"list":1662,"link_subsection":1380},"How is car insurance excess calculated?",[1663],{"type":73,"text":1664,"spans":1665,"direction":76},"It may be a fixed rand amount, a percentage, a minimum amount or a combination. Check the policy schedule or coversheet for the exact formula and any additional excesses.",[],{"subheading":1667,"list":1668,"link_subsection":1380},"What is the difference between fixed and percentage excess?",[1669],{"type":73,"text":1670,"spans":1671,"direction":76},"A fixed excess is a stated rand amount. A percentage excess changes according to the value defined by the policy and may be subject to a minimum.",[],{"subheading":1673,"list":1674,"link_subsection":1380},"Does choosing a higher excess reduce my premium?",[1675],{"type":73,"text":1676,"spans":1677,"direction":76},"It often may, because you accept more claim-time cost. The exact premium change depends on the insurer, vehicle, driver profile, cover and other risk factors.",[],{"subheading":1679,"list":1680,"link_subsection":1380},"Do I pay excess on every car insurance claim?",[1681],{"type":73,"text":1682,"spans":1683,"direction":76},"Not always. Excess rules can differ by benefit and claim type. Check the policy wording and coversheet instead of assuming that the same excess applies to every incident.",[],{"subheading":1685,"list":1686,"link_subsection":1380},"What happens if the claim amount is lower than my excess?",[1687],{"type":73,"text":1688,"spans":1689,"direction":76},"The insurer may have no amount to contribute if the covered loss does not exceed the applicable excess. Confirm the position before authorising repairs or withdrawing a claim.",[],{"subheading":1691,"list":1692,"link_subsection":1380},"Is my excess refundable if another driver caused the accident?",[1693],{"type":73,"text":1694,"spans":1695,"direction":76},"Possibly, but not automatically. If the insurer successfully recovers costs from the responsible party, some or all of the excess may be returned according to the recovery outcome and process.",[],{"subheading":1697,"list":1698,"link_subsection":1380},"When and how do I pay car insurance excess?",[1699],{"type":73,"text":1700,"spans":1701,"direction":76},"It may be paid to the repairer, deducted from a settlement or handled another way after claim approval. The insurer will confirm the amount, recipient and timing.",[],{"subheading":1703,"list":1704,"link_subsection":1380},"What happens if I cannot afford the excess?",[1705],{"type":73,"text":1706,"spans":1707,"direction":76},"Repairs, vehicle release or settlement may be delayed if the required excess cannot be paid. Choose an amount you can fund as a lump sum and ask the insurer about the claims process before accepting cover.",[],"article_content_text$8a920527-2b35-4b0f-92be-d58562c7dcec","Car Insurance Excess Explained | Miway Car Insurance","Understand car insurance excess, claim-time costs and the premium trade-off. Only available at Miway short term insurance",{"dimensions":1712,"alt":1523,"copyright":9,"url":1715,"id":1525,"edit":1716},{"width":1713,"height":1714},2400,1260,"https://images.prismic.io/miway-website/bUeLTbtmG3Ui7Y26_carexcessexplained.png?auto=format,compress&rect=0,32,1672,878&w=2400&h=1260",{"x":32,"y":723,"zoom":7,"background":33},{"link_type":38},[1719],{"type":73,"text":1720,"spans":1721,"direction":76},"Car insurance excess is a claim-time cost, not an extra monthly premium. Understanding the amount, how it is calculated and when additional excesses apply helps drivers compare policies fairly and choose cover they can afford both now and after an unexpected incident.",[],"Miway",{"id":1724,"type":1725,"tags":1726,"lang":20,"slug":649,"first_publication_date":1727,"last_publication_date":1728,"uid":1729,"data":1730,"link_type":411,"key":1768,"isBroken":413},"ZwYbiRAAACEAp-qZ","service_block",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block",{"description":1731,"cta_text":1333,"cta_link_href":1739,"buttons":1742,"pictogram":1755,"title":724},[1732],{"type":73,"text":1733,"spans":1734,"direction":76},"A way to protect your car and pay less for your cover. Just what you want!",[1735],{"start":1736,"end":1737,"type":1738},26,29,"em",{"id":644,"type":533,"tags":1740,"lang":20,"slug":646,"first_publication_date":647,"last_publication_date":648,"uid":649,"url":650,"link_type":411,"key":1741,"isBroken":413},[537],"df3f5962-daae-4e19-ac70-ef188b87fd0c",[1743,1749],{"button_text":1744,"button_link":1745,"button_colour":1748,"button_variant":1531,"functionality":1744},"Call me back",{"link_type":81,"key":1746,"url":1747},"60025c2d-f431-4863-a505-be4c3df58a8a","#button","white",{"button_text":1750,"button_link":1751,"button_colour":1748,"button_variant":1754,"functionality":1750},"Get my quote",{"link_type":81,"key":1752,"url":1753},"ab10dc5c-9813-4473-b782-486b1325356f","#quote","outline",{"dimensions":1756,"alt":9,"copyright":9,"url":1759,"id":1760,"edit":1761,"mobile":1762},{"width":1757,"height":1758},338,361,"https://images.prismic.io/miway-website/ZzsD0q8jQArT09aX_Type%3DCar2.webp?auto=format,compress&rect=0,0,154,164&w=338&h=361","ZzsD0q8jQArT09aX",{"x":32,"y":32,"zoom":7,"background":33},{"dimensions":1763,"alt":9,"copyright":9,"url":1766,"id":1760,"edit":1767},{"width":1764,"height":1765},200,212,"https://images.prismic.io/miway-website/ZzsD0q8jQArT09aX_Type%3DCar2.webp?auto=format,compress&rect=0,0,154,163&w=200&h=212",{"x":32,"y":32,"zoom":7,"background":33},"2bba9728-c95f-431a-8839-6a52839df07c",[],{"dimensions":1771,"alt":1772,"copyright":9,"url":1524,"id":1525,"edit":1773},{"width":1521,"height":1522},"insurance excess South Africa",{"x":32,"y":32,"zoom":7,"background":33},[1775,2287,2577,2907],{"id":1776,"uid":1777,"url":1778,"type":1486,"href":1779,"tags":1780,"first_publication_date":1781,"last_publication_date":1782,"slugs":1783,"linked_documents":1785,"lang":20,"alternate_languages":1786,"data":1787},"akT7_hEAAC0A_j_I","the-real-cost-of-speeding-why-saving-a-few-minutes-can-cost-you-more","/blog/the-real-cost-of-speeding-why-saving-a-few-minutes-can-cost-you-more","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=anhPAhEAAC0AdaI3&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22akT7_hEAAC0A_j_I%22%29+%5D%5D",[1489,976,1014],"2026-07-01T16:44:12+0000","2026-07-06T07:41:51+0000",[1784],"2027-07-01t1600000000",[],[],{"date":1788,"heading":1789,"duration":9,"article_type":1790,"category":1793,"related_product":1799,"thumbnail":1802,"type":1527,"related_insurance":1528,"slices":1809,"meta_title":2267,"meta_description":2268,"meta_keywords":2269,"meta_image":2270,"canonical":2275,"intro":2276,"author":1722,"service_block":2280,"in_this_article":2283,"hero_image":2284},"2027-07-01T16:00:00+0000","The real cost of speeding: Why saving a few minutes can cost you more",{"id":1355,"type":1356,"tags":1791,"lang":20,"slug":1358,"first_publication_date":1359,"last_publication_date":1359,"uid":1358,"url":1360,"link_type":411,"key":1792,"isBroken":413},[],"48482df6-c8ce-487c-9c51-5913c4ea2f0e",{"id":1502,"type":1503,"tags":1794,"lang":20,"slug":1505,"first_publication_date":1506,"last_publication_date":1507,"uid":1508,"url":1360,"data":1795,"link_type":411,"key":1798,"isBroken":413},[],{"name":1796,"tag":1797},"Miway Tips & Guides","Tips & Guides","3b3ffcce-911c-4a00-a147-c8b13e629e42",{"id":644,"type":533,"tags":1800,"lang":20,"slug":646,"first_publication_date":647,"last_publication_date":648,"uid":649,"url":650,"link_type":411,"key":1801,"isBroken":413},[537],"cc8cf348-c785-4e9b-8528-bf3690fa7e79",{"dimensions":1803,"alt":9,"copyright":9,"url":1806,"id":1807,"edit":1808},{"width":1804,"height":1805},612,344,"https://images.prismic.io/miway-website/vI2RKlk2CG5BaLYF_Highway.jpg?auto=format,compress","vI2RKlk2CG5BaLYF",{"x":32,"y":32,"zoom":7,"background":33},[1810,1841,1881,1938,2005,2055,2090,2151,2189,2224],{"variation":1531,"version":1532,"items":1811,"primary":1812,"id":1840,"slice_type":1547,"slice_label":9},[],{"heading":1813,"content":1814,"link_heading":1380},"Speeding increases both safety risks and financial consequences for drivers.",[1815,1823,1826,1837],{"type":73,"text":1816,"spans":1817,"direction":76},"Many motorists think of speeding as a way to save time, especially during busy commutes or long-distance travel. However, even small increases in driving speed can significantly increase the risk of serious collisions, vehicle damage and long-term financial strain.",[1818],{"start":1819,"end":1820,"type":219,"data":1821},91,111,{"link_type":81,"url":1542,"target":1822},"_self",{"type":73,"text":1824,"spans":1825,"direction":76},"In South Africa, speed-related collisions remain one of the leading contributors to road fatalities. Research shows that the severity of a collision at 80km/h is approximately 20 times higher than at 32km/h.",[],{"type":73,"text":1827,"spans":1828,"direction":76},"The consequences of speeding extend beyond physical safety. High-speed accidents can also lead to larger insurance claims, higher repair costs, increased excess payments and longer periods without a vehicle.",[1829,1832],{"start":1830,"end":740,"type":219,"data":1831},60,{"link_type":81,"url":1542,"target":1822},{"start":1833,"end":1834,"type":219,"data":1835},105,121,{"link_type":81,"url":1836,"target":1822},"https://www.miway.co.za/claims",{"type":73,"text":1838,"spans":1839,"direction":76},"Understanding the real risks associated with speeding can help drivers make safer and more financially responsible decisions on the road.",[],"article_content_text$ed760140-78d5-423f-8cac-2955596b9363",{"variation":1531,"version":1532,"items":1842,"primary":1843,"id":1880,"slice_type":1547,"slice_label":9},[],{"heading":1844,"content":1845,"link_heading":1380},"Why speeding is more dangerous than many drivers realize",[1846,1852,1855,1858,1862,1865,1868,1871,1874,1877],{"type":73,"text":1847,"spans":1848,"direction":76},"Even small increases in speed can dramatically increase accident severity.",[1849],{"start":32,"end":1850,"type":1851},74,"strong",{"type":73,"text":1853,"spans":1854,"direction":76},"Research indicates that a 1% increase in average driving speed is associated with a 3% increase in serious collisions.",[],{"type":73,"text":1856,"spans":1857,"direction":76},"This happens because higher speeds reduce:",[],{"type":1859,"text":1860,"spans":1861,"direction":76},"list-item","Driver reaction time",[],{"type":1859,"text":1863,"spans":1864,"direction":76},"Braking effectiveness",[],{"type":1859,"text":1866,"spans":1867,"direction":76},"Vehicle control",[],{"type":1859,"text":1869,"spans":1870,"direction":76},"Stopping distance",[],{"type":1859,"text":1872,"spans":1873,"direction":76},"Ability to avoid hazards safely",[],{"type":73,"text":1875,"spans":1876,"direction":76},"At higher speeds, drivers have less time to respond to sudden obstacles, changing traffic conditions or dangerous weather situations.",[],{"type":73,"text":1878,"spans":1879,"direction":76},"Speeding also increases the force of impact during collisions, making injuries and vehicle damage significantly more severe.",[],"article_content_text$5da1e19d-c112-4bd8-bbb5-ae8831e43930",{"variation":1531,"version":1532,"items":1882,"primary":1883,"id":1937,"slice_type":1547,"slice_label":9},[],{"heading":1884,"content":1885,"link_heading":1380},"How speed affects collision severity",[1886,1889,1892,1895,1898,1901,1904,1907,1910,1913,1916,1919,1922,1925,1928,1931,1934],{"type":73,"text":1887,"spans":1888,"direction":76},"Faster impacts often result in greater damage and higher financial costs.",[],{"type":73,"text":1890,"spans":1891,"direction":76},"The physics of high-speed collisions means that small speed increases can create disproportionately larger impacts.",[],{"type":73,"text":1893,"spans":1894,"direction":76},"For example:",[],{"type":73,"text":1896,"spans":1897,"direction":76},"Speed",[],{"type":73,"text":1899,"spans":1900,"direction":76},"Potential Collision Severity",[],{"type":73,"text":1902,"spans":1903,"direction":76},"32km/h",[],{"type":73,"text":1905,"spans":1906,"direction":76},"Lower impact severity",[],{"type":73,"text":1908,"spans":1909,"direction":76},"80km/h",[],{"type":73,"text":1911,"spans":1912,"direction":76},"Approximately 20 times more severe",[],{"type":73,"text":1914,"spans":1915,"direction":76},"Higher-speed collisions may lead to:",[],{"type":1859,"text":1917,"spans":1918,"direction":76},"Extensive vehicle damage",[],{"type":1859,"text":1920,"spans":1921,"direction":76},"Vehicle write-offs",[],{"type":1859,"text":1923,"spans":1924,"direction":76},"Serious injuries",[],{"type":1859,"text":1926,"spans":1927,"direction":76},"Damage to other vehicles",[],{"type":1859,"text":1929,"spans":1930,"direction":76},"Property damage",[],{"type":1859,"text":1932,"spans":1933,"direction":76},"Multi-vehicle accident claims",[],{"type":73,"text":1935,"spans":1936,"direction":76},"The faster a vehicle is travelling, the greater the potential repair or replacement costs after an accident.",[],"article_content_text$35adbe7e-e74f-4c7b-ace0-9c66f6f0db2f",{"variation":1531,"version":1532,"items":1939,"primary":1940,"id":2004,"slice_type":1547,"slice_label":9},[],{"heading":1941,"content":1942,"link_heading":1380},"The financial impact of speeding",[1943,1948,1951,1954,1959,1962,1967,1970,1975,1978,1983,1986,1990,1993,1998,2001],{"type":73,"text":1944,"spans":1945,"direction":76},"Speeding can create avoidable financial pressure for drivers.",[1946],{"start":32,"end":1947,"type":1851},61,{"type":73,"text":1949,"spans":1950,"direction":76},"Many motorists focus only on the safety risks of speeding, but financial consequences can be equally significant.",[],{"type":73,"text":1952,"spans":1953,"direction":76},"Potential financial impacts include:",[],{"type":73,"text":1955,"spans":1956,"direction":76},"Higher Vehicle Repair Costs",[1957],{"start":32,"end":1958,"type":1851},27,{"type":73,"text":1960,"spans":1961,"direction":76},"Severe collisions often result in extensive body and mechanical damage.",[],{"type":73,"text":1963,"spans":1964,"direction":76},"Increased Excess Payments",[1965],{"start":32,"end":1966,"type":1851},25,{"type":73,"text":1968,"spans":1969,"direction":76},"Larger claims may involve higher out-of-pocket excess costs.",[],{"type":73,"text":1971,"spans":1972,"direction":76},"Vehicle Write-Offs",[1973],{"start":32,"end":1974,"type":1851},18,{"type":73,"text":1976,"spans":1977,"direction":76},"In some situations, repair costs exceed the vehicle’s value.",[],{"type":73,"text":1979,"spans":1980,"direction":76},"Loss of Transportation",[1981],{"start":32,"end":1982,"type":1851},22,{"type":73,"text":1984,"spans":1985,"direction":76},"Drivers may be left without a vehicle for extended periods during repairs.",[],{"type":73,"text":1987,"spans":1988,"direction":76},"Third-Party Liability Costs",[1989],{"start":32,"end":1958,"type":1851},{"type":73,"text":1991,"spans":1992,"direction":76},"Accidents involving multiple vehicles or property damage can become financially substantial.",[],{"type":73,"text":1994,"spans":1995,"direction":76},"Increased Insurance Risk",[1996],{"start":32,"end":1997,"type":1851},24,{"type":73,"text":1999,"spans":2000,"direction":76},"Frequent or severe claims may affect future insurance assessments.",[],{"type":73,"text":2002,"spans":2003,"direction":76},"A few minutes saved by speeding may ultimately result in significant long-term expenses.",[],"article_content_text$9bf906fc-00e8-4b99-bb61-7fb68a3d8824",{"variation":1531,"version":1532,"items":2006,"primary":2007,"id":2054,"slice_type":1547,"slice_label":9},[],{"heading":2008,"content":2009,"link_heading":1380},"Why winter driving conditions increase risk",[2010,2015,2018,2021,2024,2027,2030,2033,2036,2039,2042,2045,2048,2051],{"type":73,"text":2011,"spans":2012,"direction":76},"Winter weather can make speeding even more dangerous.",[2013],{"start":32,"end":2014,"type":1851},53,{"type":73,"text":2016,"spans":2017,"direction":76},"As winter conditions affect many parts of South Africa, drivers face increased road risks such as:",[],{"type":1859,"text":2019,"spans":2020,"direction":76},"Reduced visibility",[],{"type":1859,"text":2022,"spans":2023,"direction":76},"Wet or slippery roads",[],{"type":1859,"text":2025,"spans":2026,"direction":76},"Foggy conditions",[],{"type":1859,"text":2028,"spans":2029,"direction":76},"Longer stopping distances",[],{"type":1859,"text":2031,"spans":2032,"direction":76},"Unpredictable traffic conditions",[],{"type":73,"text":2034,"spans":2035,"direction":76},"Driving too fast during poor weather conditions reduces a driver’s ability to respond safely.",[],{"type":73,"text":2037,"spans":2038,"direction":76},"At higher speeds, vehicles are more likely to:",[],{"type":1859,"text":2040,"spans":2041,"direction":76},"Skid",[],{"type":1859,"text":2043,"spans":2044,"direction":76},"Hydroplane",[],{"type":1859,"text":2046,"spans":2047,"direction":76},"Lose traction",[],{"type":1859,"text":2049,"spans":2050,"direction":76},"Fail to stop in time",[],{"type":73,"text":2052,"spans":2053,"direction":76},"Winter driving requires motorists to adjust their speed according to road and weather conditions rather than relying only on posted speed limits.",[],"article_content_text$59bf01c3-0924-4869-b354-87692f9e5486",{"variation":1531,"version":1532,"items":2056,"primary":2057,"id":2089,"slice_type":1547,"slice_label":9},[],{"heading":2058,"content":2059,"link_heading":1380},"Why safe driving helps reduce insurance risks",[2060,2065,2068,2071,2074,2077,2080,2083,2086],{"type":73,"text":2061,"spans":2062,"direction":76},"Responsible driving can reduce both accident risk and financial stress.",[2063],{"start":32,"end":2064,"type":1851},71,{"type":73,"text":2066,"spans":2067,"direction":76},"Insurance exists to help drivers recover after unexpected incidents. However, avoiding accidents entirely is always the better outcome.",[],{"type":73,"text":2069,"spans":2070,"direction":76},"Safe driving habits may help reduce:",[],{"type":1859,"text":2072,"spans":2073,"direction":76},"Collision risk",[],{"type":1859,"text":2075,"spans":2076,"direction":76},"Vehicle damage",[],{"type":1859,"text":2078,"spans":2079,"direction":76},"Emergency repair costs",[],{"type":1859,"text":2081,"spans":2082,"direction":76},"Claims-related stress",[],{"type":1859,"text":2084,"spans":2085,"direction":76},"Long-term financial strain",[],{"type":73,"text":2087,"spans":2088,"direction":76},"Drivers who adapt their behaviour to road conditions are better positioned to avoid severe incidents.",[],"article_content_text$bcd6b3af-4d99-4527-bb2c-8e0420d7cea3",{"variation":1531,"version":1532,"items":2091,"primary":2092,"id":2150,"slice_type":1547,"slice_label":9},[],{"heading":2093,"content":2094,"link_heading":1380},"Practical ways drivers can reduce risk",[2095,2100,2103,2108,2111,2115,2118,2122,2125,2130,2133,2137,2140,2144,2147],{"type":73,"text":2096,"spans":2097,"direction":76},"Small driving adjustments can significantly improve road safety.",[2098],{"start":32,"end":2099,"type":1851},64,{"type":73,"text":2101,"spans":2102,"direction":76},"Drivers can improve safety by:",[],{"type":73,"text":2104,"spans":2105,"direction":76},"Reducing Speed During Poor Conditions",[2106],{"start":32,"end":2107,"type":1851},37,{"type":73,"text":2109,"spans":2110,"direction":76},"Drive slower during rain, fog or low-visibility conditions.",[],{"type":73,"text":2112,"spans":2113,"direction":76},"Increasing Following Distance",[2114],{"start":32,"end":1737,"type":1851},{"type":73,"text":2116,"spans":2117,"direction":76},"Allow more space between vehicles to improve reaction time.",[],{"type":73,"text":2119,"spans":2120,"direction":76},"Avoiding Sudden Braking",[2121],{"start":32,"end":31,"type":1851},{"type":73,"text":2123,"spans":2124,"direction":76},"Gradual braking helps maintain vehicle control.",[],{"type":73,"text":2126,"spans":2127,"direction":76},"Staying Alert",[2128],{"start":32,"end":2129,"type":1851},13,{"type":73,"text":2131,"spans":2132,"direction":76},"Avoid distractions such as mobile phones while driving.",[],{"type":73,"text":2134,"spans":2135,"direction":76},"Checking Vehicle Condition",[2136],{"start":32,"end":1736,"type":1851},{"type":73,"text":2138,"spans":2139,"direction":76},"Ensure tyres, brakes and lights are functioning properly.",[],{"type":73,"text":2141,"spans":2142,"direction":76},"Planning Travel Time",[2143],{"start":32,"end":8,"type":1851},{"type":73,"text":2145,"spans":2146,"direction":76},"Leaving earlier reduces pressure to speed.",[],{"type":73,"text":2148,"spans":2149,"direction":76},"These simple adjustments can lower both accident risk and financial exposure.",[],"article_content_text$c14764b9-6038-4182-a2d7-f46dfb77a4b8",{"variation":1531,"version":1532,"items":2152,"primary":2153,"id":2188,"slice_type":1547,"slice_label":9},[],{"heading":2154,"content":2155,"link_heading":1380},"The hidden costs of high-Speed accidents",[2156,2161,2164,2167,2170,2173,2176,2179,2182,2185],{"type":73,"text":2157,"spans":2158,"direction":76},"Some consequences of speeding continue long after the accident.",[2159],{"start":32,"end":2160,"type":1851},63,{"type":73,"text":2162,"spans":2163,"direction":76},"Beyond immediate repair costs, speeding-related accidents may lead to:",[],{"type":1859,"text":2165,"spans":2166,"direction":76},"Emotional stress",[],{"type":1859,"text":2168,"spans":2169,"direction":76},"Injury recovery costs",[],{"type":1859,"text":2171,"spans":2172,"direction":76},"Time off work",[],{"type":1859,"text":2174,"spans":2175,"direction":76},"Administrative delays",[],{"type":1859,"text":2177,"spans":2178,"direction":76},"Insurance claims processes",[],{"type":1859,"text":2180,"spans":2181,"direction":76},"Long-term mobility disruptions",[],{"type":73,"text":2183,"spans":2184,"direction":76},"In severe situations, high-speed accidents may also affect passengers, pedestrians and other motorists.",[],{"type":73,"text":2186,"spans":2187,"direction":76},"The broader impact of speeding often extends far beyond the road itself.",[],"article_content_text$02ec934c-0764-49ef-8de4-7ced76db8ab5",{"variation":1531,"version":1532,"items":2190,"primary":2191,"id":2223,"slice_type":1547,"slice_label":9},[],{"heading":2192,"content":2193,"link_heading":1380},"Why prevention is better than recovery",[2194,2199,2202,2205,2208,2211,2214,2217,2220],{"type":73,"text":2195,"spans":2196,"direction":76},"Avoiding accidents is always the safest and most cost-effective outcome.",[2197],{"start":32,"end":2198,"type":1851},72,{"type":73,"text":2200,"spans":2201,"direction":76},"Insurance support is valuable during emergencies and accidents, but prevention remains the most effective way to protect yourself financially and physically.",[],{"type":73,"text":2203,"spans":2204,"direction":76},"Driving responsibly helps protect:",[],{"type":1859,"text":2206,"spans":2207,"direction":76},"Your safety",[],{"type":1859,"text":2209,"spans":2210,"direction":76},"Your passengers",[],{"type":1859,"text":2212,"spans":2213,"direction":76},"Other road users",[],{"type":1859,"text":2215,"spans":2216,"direction":76},"Your vehicle",[],{"type":1859,"text":2218,"spans":2219,"direction":76},"Your finances",[],{"type":73,"text":2221,"spans":2222,"direction":76},"Adjusting speed according to road conditions is one of the simplest and most effective ways to reduce accident severity.",[],"article_content_text$a42bb6af-b118-4ad7-9bbf-360cfb8c0656",{"variation":1643,"version":1532,"items":2225,"primary":2226,"id":2266,"slice_type":1547,"slice_label":9},[],{"heading":2227,"content":2228,"sub_sections":2229,"link_heading":1380},"Frequently Asked Questions",[],[2230,2236,2242,2248,2254,2260],{"subheading":2231,"list":2232,"link_subsection":413},"Why does speeding increase accident severity?",[2233],{"type":73,"text":2234,"spans":2235,"direction":76},"Higher speeds increase impact force, reduce driver reaction time and make collisions more severe.",[],{"subheading":2237,"list":2238,"link_subsection":413},"Can speeding increase vehicle repair costs?",[2239],{"type":73,"text":2240,"spans":2241,"direction":76},"Yes. High-speed collisions often result in more extensive damage, leading to higher repair or replacement costs.",[],{"subheading":2243,"list":2244,"link_subsection":413},"Why is speeding more dangerous during winter?",[2245],{"type":73,"text":2246,"spans":2247,"direction":76},"Winter conditions such as wet roads, fog and reduced visibility increase stopping distances and reduce vehicle control.",[],{"subheading":2249,"list":2250,"link_subsection":413},"Does speeding affect insurance claims?",[2251],{"type":73,"text":2252,"spans":2253,"direction":76},"Severe accidents caused by speeding may result in larger claims, higher repair costs and additional financial strain.",[],{"subheading":2255,"list":2256,"link_subsection":413},"What driving habits can reduce accident risk?",[2257],{"type":73,"text":2258,"spans":2259,"direction":76},"Reducing speed, increasing following distance, maintaining vehicles properly and adapting to weather conditions can all improve safety.",[],{"subheading":2261,"list":2262,"link_subsection":413},"Why is prevention better than relying on insurance?",[2263],{"type":73,"text":2264,"spans":2265,"direction":76},"Insurance helps after incidents occur, but avoiding accidents entirely reduces both physical and financial risks.",[],"article_content_text$9ca3ac3b-af3f-4440-b370-0a8baaeccffc","The Real Cost of Speeding | Miway Car Insurance","Discover how speeding increases accident severity, repair costs and financial risk for South African drivers, especially during winter driving conditions.","car insurance",{"dimensions":2271,"alt":9,"copyright":9,"url":2272,"id":1807,"edit":2273},{"width":1713,"height":1714},"https://images.prismic.io/miway-website/vI2RKlk2CG5BaLYF_Highway.jpg?auto=format,compress&rect=0,11,612,321&w=2400&h=1260",{"x":32,"y":2274,"zoom":7,"background":33},11,{"link_type":38},[2277],{"type":73,"text":2278,"spans":2279,"direction":76},"Many motorists think of speeding as a way to save time, especially during busy commutes or long-distance travel. However, even small increases in driving speed can significantly increase the risk of serious collisions, vehicle damage and long-term financial strain",[],{"id":1724,"type":1725,"tags":2281,"lang":20,"slug":649,"first_publication_date":1727,"last_publication_date":1728,"uid":1729,"link_type":411,"key":2282,"isBroken":413},[],"d1590e51-c6a2-4962-81ae-c75b50d0fee9",[],{"dimensions":2285,"alt":9,"copyright":9,"url":1806,"id":1807,"edit":2286},{"width":1804,"height":1805},{"x":32,"y":32,"zoom":7,"background":33},{"id":2288,"uid":2289,"url":2290,"type":1486,"href":2291,"tags":2292,"first_publication_date":2294,"last_publication_date":2294,"slugs":2295,"linked_documents":2297,"lang":20,"alternate_languages":2298,"data":2299},"anUdFREAACgAcM_f","road-tripping-use-this-safety-checklist-before-you-hit-the-road","/blog/road-tripping-use-this-safety-checklist-before-you-hit-the-road","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=anhPAhEAAC0AdaI3&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22anUdFREAACgAcM_f%22%29+%5D%5D",[2293,642,976],"Your car","2026-08-07T00:30:21+0000",[2296],"2026-08-07t1300000000",[],[],{"date":2300,"heading":2301,"duration":9,"article_type":2302,"category":2305,"related_product":2309,"thumbnail":2312,"type":1527,"related_insurance":1528,"slices":2318,"meta_title":2559,"meta_description":2560,"meta_keywords":2314,"meta_image":2561,"canonical":2565,"intro":2566,"author":1722,"service_block":2570,"in_this_article":2573,"hero_image":2574},"2026-08-07T13:00:00+0000","Road tripping? Use this safety checklist before you hit the road",{"id":1355,"type":1356,"tags":2303,"lang":20,"slug":1358,"first_publication_date":1359,"last_publication_date":1359,"uid":1358,"url":1360,"link_type":411,"key":2304,"isBroken":413},[],"ce48f6a0-57cb-4544-9db2-a9e562232c8c",{"id":1502,"type":1503,"tags":2306,"lang":20,"slug":1505,"first_publication_date":1506,"last_publication_date":1507,"uid":1508,"url":1360,"data":2307,"link_type":411,"key":2308,"isBroken":413},[],{"name":1796,"tag":1797},"1de3d53d-ab51-4e47-bc36-a4a96b9221de",{"id":644,"type":533,"tags":2310,"lang":20,"slug":646,"first_publication_date":647,"last_publication_date":648,"uid":649,"url":650,"link_type":411,"key":2311,"isBroken":413},[537],"61e463a7-efb1-4a1c-b7ff-ee4a0e2e2e5b",{"dimensions":2313,"alt":2314,"copyright":9,"url":2315,"id":2316,"edit":2317},{"width":1521,"height":1522},"road trip safety checklist, car road trip checklist, long-distance driving South Africa","https://images.prismic.io/miway-website/DNVwlxJXfM-2MKpC_Roadtrip.png?auto=format,compress","DNVwlxJXfM-2MKpC",{"x":32,"y":32,"zoom":7,"background":33},[2319,2332,2361,2375,2384,2393,2402,2411,2425,2434,2448,2457,2471,2480,2493],{"variation":1531,"version":1532,"items":2320,"primary":2321,"id":2331,"slice_type":1547,"slice_label":9},[],{"heading":2322,"content":2323,"link_heading":1380},"Why does a road trip safety check matter?",[2324],{"type":73,"text":2325,"spans":2326,"direction":76},"Holiday traffic increases exposure to congestion, fatigue and unsafe driving. Official 2024/25 festive-season statistics recorded 1,502 deaths from 1,234 fatal crashes. A pre-trip check cannot remove every risk, but it can identify avoidable vehicle problems and give the driver time to repair them before departure.",[2327],{"start":2328,"end":1320,"type":219,"data":2329},87,{"link_type":81,"url":2330,"target":138},"https://www.gov.za/news/speeches/minister-barbara-creecy-announcement-preliminary-20242025-festive-season-statistics","article_content_text$cd493cc8-6e99-4ee0-8548-b869cd41b10b",{"variation":1531,"version":1532,"items":2333,"primary":2334,"id":2360,"slice_type":1547,"slice_label":9},[],{"heading":2335,"content":2336,"link_heading":1380},"What should you check before a road trip?",[2337,2340],{"type":73,"text":2338,"spans":2339,"direction":76},"Start with the items that affect control, visibility and reliability, then check the occupants, load, route and emergency plan. Follow the vehicle manufacturer's manual and arrange a professional inspection when a warning light, leak, unusual noise, vibration or overdue service raises concern.",[],{"type":73,"text":2341,"spans":2342,"direction":76},"Tyres and spare: Set pressure for the load; inspect tread, damage and uneven wear; pack the jack and wheel brace.\nVisibility: Test lights and indicators; clean the windscreen and mirrors; check wipers and washer fluid.\nControl and fluids: Check brakes and steering; inspect oil, coolant and other fluids specified in the manual.\nStarting and charging: Test the battery if starting is slow or the battery is ageing; confirm charging cables work.\nPeople and luggage: Use seatbelts and child restraints; secure pets, luggage and heavy objects.\nPlan and protection: Map fuel and rest stops, save assistance details and confirm the policy suits the journey.",[2343,2345,2348,2351,2354,2357],{"start":32,"end":2344,"type":1851},17,{"start":2346,"end":2347,"type":1851},114,126,{"start":2349,"end":2350,"type":1851},219,239,{"start":2352,"end":2353,"type":1851},329,352,{"start":2355,"end":2356,"type":1851},445,465,{"start":2358,"end":2359,"type":1851},541,562,"article_content_text$57c085d6-d87f-4347-8a16-b9254603bd6f",{"variation":1531,"version":1532,"items":2362,"primary":2363,"id":2374,"slice_type":1547,"slice_label":9},[],{"heading":2364,"content":2365,"link_heading":1380},"Check the tyres, spare wheel and tools",[2366],{"type":73,"text":2367,"spans":2368,"direction":76},"Check tyre pressure when the tyres are cold and use the vehicle placard or manual for the intended load. Inspect tread across the full width and look for cuts, bulges, cracks and uneven wear. Arrive Alive tyre guidance also recommends regular checks for damage and alignment-related wear. Confirm the spare is inflated and the jack, wheel brace and locking-wheel-nut key are present.",[2369],{"start":2370,"end":2371,"type":219,"data":2372},192,218,{"link_type":81,"url":2373,"target":138},"https://www.arrivealive.mobi/road-safety-tyre-safety","article_content_text$4ecb04e3-ffb4-47d7-99b9-2fbe4f4e106d",{"variation":1531,"version":1532,"items":2376,"primary":2377,"id":2383,"slice_type":1547,"slice_label":9},[],{"heading":2378,"content":2379,"link_heading":1380},"Test lights, wipers and visibility",[2380],{"type":73,"text":2381,"spans":2382,"direction":76},"Test headlights, brake lights, indicators, reverse lights, hazard lights and fitted fog lights. Clean the windscreen, windows, mirrors and light lenses; check the wiper blades and washer system. Good visibility matters in darkness, rain, mist, dust and spray from other vehicles.",[],"article_content_text$cba094c6-1030-44b9-a389-32c3044516b3",{"variation":1531,"version":1532,"items":2385,"primary":2386,"id":2392,"slice_type":1547,"slice_label":9},[],{"heading":2387,"content":2388,"link_heading":1380},"Check brakes, steering and warning signs",[2389],{"type":73,"text":2390,"spans":2391,"direction":76},"Do not begin a long journey with grinding or squealing brakes, a soft pedal, pulling, vibration, steering changes or a warning light. These symptoms need assessment by a qualified technician. A road trip is not the right time to “see if the problem gets worse”.",[],"article_content_text$a7bce141-ad65-4d0b-9820-492338e81caa",{"variation":1531,"version":1532,"items":2394,"primary":2395,"id":2401,"slice_type":1547,"slice_label":9},[],{"heading":2396,"content":2397,"link_heading":1380},"Check fluids without guessing",[2398],{"type":73,"text":2399,"spans":2400,"direction":76},"On a cool vehicle parked level, check engine oil, coolant and windscreen-washer fluid as directed by the manual. Check other serviceable fluids only where the manufacturer provides a safe procedure. Investigate recurring low levels or visible leaks instead of repeatedly topping up an unexplained loss.",[],"article_content_text$2b6eb891-953d-4baf-b6bd-86c3a989b560",{"variation":1531,"version":1532,"items":2403,"primary":2404,"id":2410,"slice_type":1547,"slice_label":9},[],{"heading":2405,"content":2406,"link_heading":1380},"Test the battery and charging essentials",[2407],{"type":73,"text":2408,"spans":2409,"direction":76},"Have the battery tested if starting is slow, lights flicker or the battery is ageing or visibly damaged. Confirm the phone charger and power bank work, but never assume a charged phone replaces an emergency plan. Keep roadside-assistance and emergency numbers available offline.",[],"article_content_text$ff04ec3b-85c9-45b0-8a94-0f29ce269a76",{"variation":1531,"version":1532,"items":2412,"primary":2413,"id":2424,"slice_type":1547,"slice_label":9},[],{"heading":2414,"content":2415,"link_heading":1380},"Pack a practical roadside emergency kit",[2416],{"type":73,"text":2417,"spans":2418,"direction":76},"Carry warning triangles, a reflective vest, torch, first-aid kit, drinking water, phone charger or power bank, tyre-pressure gauge and manufacturer-approved puncture equipment. Jumper cables require correct and safe use. The AA vehicle-essentials guide also recommends keeping the vehicle manual accessible.",[2419],{"start":2420,"end":2421,"type":219,"data":2422},225,252,{"link_type":81,"url":2423,"target":138},"https://aa.co.za/20-car-essentials-you-need-for-anytime-travels-2/","article_content_text$f5963784-1a0b-416f-be29-a9acf77abfa5",{"variation":1531,"version":1532,"items":2426,"primary":2427,"id":2433,"slice_type":1547,"slice_label":9},[],{"heading":2428,"content":2429,"link_heading":1380},"Plan the route, fuel and safe stops",[2430],{"type":73,"text":2431,"spans":2432,"direction":76},"Check current traffic and weather shortly before departure, identify reputable fuel and rest stops, download offline maps and share the route and expected arrival time with someone you trust. Add time for congestion, roadworks and weather so the schedule does not encourage speeding or skipped breaks.",[],"article_content_text$68aaaa74-1dc1-429f-8e4c-83f6fbd958a3",{"variation":1531,"version":1532,"items":2435,"primary":2436,"id":2447,"slice_type":1547,"slice_label":9},[],{"heading":2437,"content":2438,"link_heading":1380},"Prevent driver fatigue",[2439],{"type":73,"text":2440,"spans":2441,"direction":76},"Sleep properly before the trip, share driving where possible and avoid alcohol or medication that impairs alertness. AA long-distance guidance recommends a break every two hours or 200 km. Stop sooner if you yawn repeatedly, drift in the lane, miss signs or struggle to focus; caffeine and open windows do not make severe fatigue safe.",[2442],{"start":2443,"end":2444,"type":219,"data":2445},117,142,{"link_type":81,"url":2446,"target":138},"https://aa.co.za/long-distance-driving-tips-2/","article_content_text$b15856d0-d75a-418d-afae-9d1746eb1522",{"variation":1531,"version":1532,"items":2449,"primary":2450,"id":2456,"slice_type":1547,"slice_label":9},[],{"heading":2451,"content":2452,"link_heading":1380},"Secure passengers, pets and luggage",[2453],{"type":73,"text":2454,"spans":2455,"direction":76},"Every occupant should use the correct seatbelt or age- and size-appropriate child restraint. Restrain pets safely and keep heavy objects low and secure so they cannot move during braking or a collision. Do not let luggage obstruct the driver's view or access to essential controls.",[],"article_content_text$c36775fe-a8df-4ee1-8cc1-52d6915fba86",{"variation":1531,"version":1532,"items":2458,"primary":2459,"id":2470,"slice_type":1547,"slice_label":9},[],{"heading":2460,"content":2461,"link_heading":1380},"Review insurance and roadside assistance",[2462],{"type":73,"text":2463,"spans":2464,"direction":76},"Confirm the insured vehicle and regular-driver details, policy status, territorial limits, excesses and assistance contact information. Comprehensive insurance may cover accidents, theft and specified weather events; it does not automatically pay for mechanical failure. MiWay comprehensive cover includes MiHelp roadside assistance for services such as flat-tyre, battery, fuel, towing and locksmith help, subject to benefit limits and policy terms.",[2465],{"start":2466,"end":2467,"type":219,"data":2468},306,332,{"link_type":81,"url":2469,"target":138},"https://www.miway.co.za/mihelp","article_content_text$935b7c40-b2cb-4424-9dc9-ddc0fa7d9ae2",{"variation":1531,"version":1532,"items":2472,"primary":2473,"id":2479,"slice_type":1547,"slice_label":9},[],{"heading":2474,"content":2475,"link_heading":1380},"Final checks before leaving the driveway",[2476],{"type":73,"text":2477,"spans":2478,"direction":76},"Confirm fuel or charge, licences and required travel documents, locked doors, adjusted seats and mirrors, fastened seatbelts, a charged phone and a clear route. If the car does not feel, sound or smell normal, stop and investigate before joining fast-moving traffic.",[],"article_content_text$ee436ad6-fba2-486f-95e9-e063f1d0dab0",{"variation":1531,"version":1532,"items":2481,"primary":2482,"id":2492,"slice_type":1547,"slice_label":9},[],{"heading":1636,"content":2483,"link_heading":1380},[2484],{"type":73,"text":2485,"spans":2486,"direction":76},"A useful checklist produces decisions, not ticks. Repair a doubtful tyre, investigate a leak, replace a failed light and rest a tired driver before departure. The safest schedule is one flexible enough to absorb a delay without turning it into pressure on the road.\n\nCheck the car, plan the route, protect the occupants and leave enough time to drive rested. Before the next journey, review the exact benefits in your policy or compare a MiWay car insurance quote. Cover and assistance remain subject to the policy wording, coversheet and benefit limits.",[2487],{"start":2488,"end":2489,"type":219,"data":2490},438,463,{"link_type":81,"url":2491,"target":138},"https://www.miway.co.za/car-insurance-quotes","article_content_text$799a1f22-a09a-4755-951a-497be7bd1495",{"variation":1643,"version":1532,"items":2494,"primary":2495,"id":2558,"slice_type":1547,"slice_label":9},[],{"heading":2301,"content":2496,"sub_sections":2497,"link_heading":413},[],[2498,2504,2510,2516,2522,2528,2534,2540,2546,2552],{"subheading":2499,"list":2500,"link_subsection":1380},"What should I check before a road trip?",[2501],{"type":73,"text":2502,"spans":2503,"direction":76},"Check tyres and the spare, lights, wipers, brakes, steering, fluids and the battery. Also secure passengers and luggage, pack an emergency kit, plan stops and review insurance assistance.",[],{"subheading":2505,"list":2506,"link_subsection":1380},"How far in advance should I inspect my car?",[2507],{"type":73,"text":2508,"spans":2509,"direction":76},"Do the main inspection several days before departure so there is time for repairs. Repeat a quick check of pressure, fluids, lights, fuel and warning indicators before leaving.",[],{"subheading":2511,"list":2512,"link_subsection":1380},"What tyre checks should I do before a long drive?",[2513],{"type":73,"text":2514,"spans":2515,"direction":76},"Set cold tyre pressure to the vehicle specification for the load. Check tread, cuts, bulges, cracks and uneven wear, and confirm the spare and wheel-changing tools are usable.",[],{"subheading":2517,"list":2518,"link_subsection":1380},"What should be in a roadside emergency kit?",[2519],{"type":73,"text":2520,"spans":2521,"direction":76},"Carry warning triangles, a reflective vest, torch, first-aid kit, water, phone charger or power bank, tyre-pressure gauge and suitable puncture equipment. Keep emergency contacts available offline.",[],{"subheading":2523,"list":2524,"link_subsection":1380},"How often should I stop on a long-distance drive?",[2525],{"type":73,"text":2526,"spans":2527,"direction":76},"Plan a break at least every two hours or 200 km and stop sooner when tired. Repeated yawning, lane drifting, missed signs and poor concentration mean it is time to rest.",[],{"subheading":2529,"list":2530,"link_subsection":1380},"How should I plan a South African road-trip route?",[2531],{"type":73,"text":2532,"spans":2533,"direction":76},"Check current traffic and weather, identify reputable fuel and rest stops, save offline maps and share your route and expected arrival time with someone you trust.",[],{"subheading":2535,"list":2536,"link_subsection":1380},"How should luggage and pets be secured?",[2537],{"type":73,"text":2538,"spans":2539,"direction":76},"Keep heavy luggage low and restrained, preserve the driver's view and safely restrain pets. Loose items can move dangerously during sudden braking or a collision.",[],{"subheading":2541,"list":2542,"link_subsection":1380},"Should I drive with a warning light or unusual noise?",[2543],{"type":73,"text":2544,"spans":2545,"direction":76},"Do not ignore a warning light, leak, vibration, braking problem or unusual noise. Check the manual and obtain professional assessment before a long trip when the cause is unclear.",[],{"subheading":2547,"list":2548,"link_subsection":1380},"Does car insurance cover road trips?",[2549],{"type":73,"text":2550,"spans":2551,"direction":76},"Cover normally continues during domestic travel within the policy's territorial limits, but insured events, exclusions, excesses and assistance vary. Mechanical failure is not automatically an insured loss.",[],{"subheading":2553,"list":2554,"link_subsection":1380},"Does Miway comprehensive cover include roadside assistance?",[2555],{"type":73,"text":2556,"spans":2557,"direction":76},"Miway states that MiHelp roadside assistance is included with comprehensive car insurance. Services, annual limits, exclusions and costs beyond the benefit are subject to the policy terms.",[],"article_content_text$3e1babf0-6fa9-4437-b1fe-511adb8af45f","Road Trip Safety Checklist for Drivers | Miway Car Insurance","Check your tyres, brakes, fluids, battery, emergency kit and insurance before a South African road trip.",{"dimensions":2562,"alt":2314,"copyright":9,"url":2563,"id":2316,"edit":2564},{"width":1713,"height":1714},"https://images.prismic.io/miway-website/DNVwlxJXfM-2MKpC_Roadtrip.png?auto=format,compress&rect=0,32,1672,878&w=2400&h=1260",{"x":32,"y":723,"zoom":7,"background":33},{"link_type":38},[2567],{"type":73,"text":2568,"spans":2569,"direction":76},"Before a long-distance drive, check the vehicle, prepare the people travelling in it and plan for delays. Tyres, brakes, fluids, lights, the battery, secure luggage, driver rest and suitable insurance all affect how safely and confidently a South African road trip begins.",[],{"id":1724,"type":1725,"tags":2571,"lang":20,"slug":649,"first_publication_date":1727,"last_publication_date":1728,"uid":1729,"link_type":411,"key":2572,"isBroken":413},[],"c6588a3e-84fa-44b5-8489-da831cd06b2a",[],{"dimensions":2575,"alt":2314,"copyright":9,"url":2315,"id":2316,"edit":2576},{"width":1521,"height":1522},{"x":32,"y":32,"zoom":7,"background":33},{"id":2578,"uid":2579,"url":2580,"type":1486,"href":2581,"tags":2582,"first_publication_date":2584,"last_publication_date":2584,"slugs":2585,"linked_documents":2587,"lang":20,"alternate_languages":2588,"data":2589},"anUxHxEAACcAcO4P","goods-in-transit-south-africa-a-safety-checklist-and-insurance-guide","/blog/goods-in-transit-south-africa-a-safety-checklist-and-insurance-guide","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=anhPAhEAAC0AdaI3&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22anUxHxEAACcAcO4P%22%29+%5D%5D",[653,2583,976,1489],"All-risk","2026-08-07T01:35:18+0000",[2586],"2026-08-07t1100000000",[],[],{"date":2590,"heading":2591,"duration":9,"article_type":2592,"category":2595,"related_product":2599,"thumbnail":2602,"type":1527,"related_insurance":9,"slices":2608,"meta_title":2884,"meta_description":2885,"meta_keywords":2604,"meta_image":2886,"canonical":2890,"intro":2891,"author":1722,"service_block":2895,"in_this_article":2903,"hero_image":2904},"2026-08-07T11:00:00+0000","Goods in transit South Africa: a safety checklist and insurance guide",{"id":1401,"type":1356,"tags":2593,"lang":20,"slug":1403,"first_publication_date":1404,"last_publication_date":1404,"uid":1403,"url":1360,"link_type":411,"key":2594,"isBroken":413},[],"03a9307e-05dc-4f51-8b89-42fc6d0f2183",{"id":1502,"type":1503,"tags":2596,"lang":20,"slug":1505,"first_publication_date":1506,"last_publication_date":1507,"uid":1508,"url":1360,"data":2597,"link_type":411,"key":2598,"isBroken":413},[],{"name":1796,"tag":1797},"7912f0f3-aad0-4d41-8f2a-28b28687f0fa",{"id":1267,"type":533,"tags":2600,"lang":20,"slug":1269,"first_publication_date":1270,"last_publication_date":1271,"uid":1269,"url":1272,"link_type":411,"key":2601,"isBroken":413},[653,1003,537],"85eb6f08-5b5b-4076-ad71-910a2a9ecec4",{"dimensions":2603,"alt":2604,"copyright":9,"url":2605,"id":2606,"edit":2607},{"width":1521,"height":1522},"transporting goods safely, goods in transit insurance South Africa","https://images.prismic.io/miway-website/zRB3OWaHCa1EsZPw_goodsintransit.png?auto=format,compress","zRB3OWaHCa1EsZPw",{"x":32,"y":32,"zoom":7,"background":33},[2609,2618,2632,2657,2666,2680,2689,2698,2707,2716,2725,2734,2743,2752,2766,2780,2792,2801,2817],{"variation":1531,"version":1532,"items":2610,"primary":2611,"id":2617,"slice_type":1547,"slice_label":9},[],{"heading":2612,"content":2613,"link_heading":1380},"What does “Goods in transit” mean?",[2614],{"type":73,"text":2615,"spans":2616,"direction":76},"Goods in transit are stock, materials, equipment or customer property being moved between locations. Insurance definitions are policy-specific. MiWay describes its cover as protection for items transported by road to and from a specified business address. The wording determines whether loading, unloading, storage, subcontractors or cross-border journeys are included.",[],"article_content_text$c7a73227-ad39-4654-ad64-cb96c888d723",{"variation":1531,"version":1532,"items":2619,"primary":2620,"id":2631,"slice_type":1547,"slice_label":9},[],{"heading":2621,"content":2622,"link_heading":1380},"Why does safe transport matter in South Africa?",[2623],{"type":73,"text":2624,"spans":2625,"direction":76},"One incident can destroy stock, interrupt deliveries and create liability. Theft and hijacking remain material risks: SAPS annual crime statistics recorded 1,589 truck hijackings from April 2024 to March 2025. Although this does not represent every cargo loss, it supports formal route security and incident planning.",[2626],{"start":2627,"end":2628,"type":219,"data":2629},118,146,{"link_type":81,"url":2630,"target":138},"https://www.saps.gov.za/services/downloads/2024-2025%20_Annual_Financial%20year_WEB.pdf","article_content_text$5d21c964-88b5-4ae3-a82a-90e9f49b51b9",{"variation":1531,"version":1532,"items":2633,"primary":2634,"id":2656,"slice_type":1547,"slice_label":9},[],{"heading":2635,"content":2636,"link_heading":1380},"What should a goods-transport safety check cover?",[2637],{"type":73,"text":2638,"spans":2639,"direction":76},"Cargo: Identify ownership, value, fragility, temperature needs, theft appeal and hazardous classification.\nVehicle: Confirm roadworthiness, capacity, load space, security, tracking and required equipment.\nPeople: Use correctly licensed, trained drivers and a valid professional driving permit where required.\nJourney: Plan approved routes, safe stops, check-ins and escalation for delays or deviations.\nLoad: Package, distribute and fasten goods so they cannot shift, spill, obstruct the driver or overload the vehicle.\nProtection: Match cargo, vehicle, liability and specialist cover to the goods, routes and maximum load value.",[2640,2642,2645,2648,2651,2653],{"start":32,"end":2641,"type":1851},7,{"start":2643,"end":2644,"type":1851},107,116,{"start":2646,"end":2647,"type":1851},205,213,{"start":2649,"end":2650,"type":1851},309,318,{"start":2652,"end":1319,"type":1851},403,{"start":2654,"end":2655,"type":1851},520,532,"article_content_text$02424028-ae5e-470f-bad8-62cb178c3aa1",{"variation":1531,"version":1532,"items":2658,"primary":2659,"id":2665,"slice_type":1547,"slice_label":9},[],{"heading":2660,"content":2661,"link_heading":1380},"Match the vehicle to the load",[2662],{"type":73,"text":2663,"spans":2664,"direction":76},"Confirm the vehicle and trailer are roadworthy and suitable for the cargo’s mass, dimensions and temperature needs. Do not exceed carrying or legal mass limits. Inspect tyres, brakes, lights, doors, locks, anchor points and specialist equipment.",[],"article_content_text$7c9f4e6c-61c4-48ef-b6c6-1682bbe36fb0",{"variation":1531,"version":1532,"items":2667,"primary":2668,"id":2679,"slice_type":1547,"slice_label":9},[],{"heading":2669,"content":2670,"link_heading":1380},"Package, distribute and secure the goods correctly",[2671],{"type":73,"text":2672,"spans":2673,"direction":76},"Use packaging and restraints rated for the cargo and vehicle. Keep heavy items low, distribute weight safely and separate fragile or incompatible goods. South Africa’s Regulation 246 load guidance requires goods to be contained or fastened, protected against dislodging or spilling and positioned without obstructing the driver. Recheck restraints after the load settles.",[2674],{"start":2675,"end":2676,"type":219,"data":2677},168,196,{"link_type":81,"url":2678,"target":138},"https://www.arrivealive.mobi/safely-securing-loads-during-transport","article_content_text$a5dff09a-50f0-4301-a6da-cf581d5f29bf",{"variation":1531,"version":1532,"items":2681,"primary":2682,"id":2688,"slice_type":1547,"slice_label":9},[],{"heading":2683,"content":2684,"link_heading":1380},"Control loading and offloading",[2685],{"type":73,"text":2686,"spans":2687,"direction":76},"Use a designated loading zone, trained handlers and a supervisor. Stabilise the vehicle and separate pedestrians from moving equipment. Count, inspect and photograph goods at handover. Handling damage is covered only when the policy includes loading or unloading.",[],"article_content_text$99274b8b-2a27-4817-b4e0-3520a4de37c3",{"variation":1531,"version":1532,"items":2690,"primary":2691,"id":2697,"slice_type":1547,"slice_label":9},[],{"heading":2692,"content":2693,"link_heading":1380},"Use competent, compliant drivers",[2694],{"type":73,"text":2695,"spans":2696,"direction":76},"Verify the correct licence code and a professional driving permit where required. Train drivers in load checks, defensive driving, fatigue, hijacking procedures and secure delivery. Schedules must not reward speeding, unsafe stops or skipped inspections.",[],"article_content_text$8efade44-6101-4eb2-8ba1-dd1d66e91568",{"variation":1531,"version":1532,"items":2699,"primary":2700,"id":2706,"slice_type":1547,"slice_label":9},[],{"heading":2701,"content":2702,"link_heading":1380},"Plan routes without making them predictable",[2703],{"type":73,"text":2704,"spans":2705,"direction":76},"Approve routes, delivery windows, fuel stops and no-stop zones using current risk information. Use controlled variation rather than improvised detours. Escalate missed check-ins, unexpected stops and route deviations, and do not publish cargo or arrival details.",[],"article_content_text$eb1c4edf-2ead-442b-8c1d-4f3640fce135",{"variation":1531,"version":1532,"items":2708,"primary":2709,"id":2715,"slice_type":1547,"slice_label":9},[],{"heading":2710,"content":2711,"link_heading":1380},"Use tracking as part of a wider security system",[2712],{"type":73,"text":2713,"spans":2714,"direction":76},"Vehicle and cargo tracking can support monitoring and recovery. Combine it with geofences, tamper alerts, secure parking, driver authentication and a staffed response process. Assign someone to act on every alert.",[],"article_content_text$4f7b5aaf-6df5-4636-8b9d-b3f4d2372a3c",{"variation":1531,"version":1532,"items":2717,"primary":2718,"id":2724,"slice_type":1547,"slice_label":9},[],{"heading":2719,"content":2720,"link_heading":1380},"Protect goods from weather and temperature loss",[2721],{"type":73,"text":2722,"spans":2723,"direction":76},"Use waterproof or insulated packaging, sealed load spaces and temperature monitoring where required. Record temperatures for perishable stock and maintain refrigeration equipment. Delay, poor airflow, unsuitable packaging and equipment failure may have different insurance treatment.",[],"article_content_text$50a0c2d2-b7ec-419d-afe0-1ef20d597c34",{"variation":1531,"version":1532,"items":2726,"primary":2727,"id":2733,"slice_type":1547,"slice_label":9},[],{"heading":2728,"content":2729,"link_heading":1380},"Vet couriers, subcontractors and handover points",[2730],{"type":73,"text":2731,"spans":2732,"direction":76},"Confirm ownership and legal responsibility at each stage. Check the carrier’s licence, security, insurance, subcontracting rights and liability limits. Allocate loading, theft, delay and proof-of-delivery duties in writing; carrier cover may not reimburse the cargo’s full value.",[],"article_content_text$4533d5d6-a33b-41f1-8884-c324d4d78bbc",{"variation":1531,"version":1532,"items":2735,"primary":2736,"id":2742,"slice_type":1547,"slice_label":9},[],{"heading":2737,"content":2738,"link_heading":1380},"Keep a verifiable chain of custody",[2739],{"type":73,"text":2740,"spans":2741,"direction":76},"Retain invoices, dispatch notes, serial and seal numbers, load photographs, tracking data, temperature logs and signed proof of delivery. Verify changed delivery instructions through a known contact. Accurate records support control and claims.",[],"article_content_text$81e8b9b6-3aa4-4346-9c9f-d1a0f342c564",{"variation":1531,"version":1532,"items":2744,"primary":2745,"id":2751,"slice_type":1547,"slice_label":9},[],{"heading":2746,"content":2747,"link_heading":1380},"Prepare for breakdowns, accidents and hijackings",[2748],{"type":73,"text":2749,"spans":2750,"direction":76},"Prioritise people over cargo. Drivers should know how to contact emergency services, SAPS, tracking support and the insurer. Move to safety, avoid confrontation, preserve evidence and report promptly. Do not dispose of damaged goods or salvage before guidance unless safety or law requires it.",[],"article_content_text$6992f3f9-4fb9-4486-961a-24191c3d6795",{"variation":1531,"version":1532,"items":2753,"primary":2754,"id":2765,"slice_type":1547,"slice_label":9},[],{"heading":2755,"content":2756,"link_heading":1380},"What does goods in transit insurance cover?",[2757],{"type":73,"text":2758,"spans":2759,"direction":76},"Goods in Transit insurance protects the load, not the vehicle. Depending on the selected cover, it may respond to accidental damage, fire, theft, hijacking and specified handling losses. Miway’s Goods in Transit insurance offers selectable options and extensions, subject to the Coversheet, wording, limits, security requirements and excesses.",[2760],{"start":2761,"end":2762,"type":219,"data":2763},195,221,{"link_type":81,"url":2764,"target":138},"https://www.miway.co.za/business-insurance/goods-in-transit","article_content_text$8edd6f62-1e3f-454d-8f60-19653619f8b1",{"variation":1531,"version":1532,"items":2767,"primary":2768,"id":2779,"slice_type":1547,"slice_label":9},[],{"heading":2769,"content":2770,"link_heading":1380},"Goods cover, vehicle cover and liability are different",[2771],{"type":73,"text":2772,"spans":2773,"direction":76},"Goods in Transit cover protects insured cargo. Business vehicle and fleet insurance protects specified vehicles, while liability cover addresses qualifying third-party claims. A truck, trailer and load may need separate, coordinated covers.",[2774],{"start":2775,"end":2776,"type":219,"data":2777},47,83,{"link_type":81,"url":2778,"target":138},"https://www.miway.co.za/business-insurance/business-vehicles","article_content_text$2277e097-0ed1-4a17-90b5-8d6ddb9b1935",{"variation":1531,"version":1532,"items":2781,"primary":2782,"id":2791,"slice_type":1547,"slice_label":9},[],{"heading":2783,"content":2784,"link_heading":1380},"What may not be covered?",[2785],{"type":73,"text":2786,"spans":2787,"direction":76},"Exclusions vary, but the Miway Business Insurance policy wording lists examples such as rail or air transport, an unlocked unattended vehicle, an incorrectly licensed driver, overloading, an unroadworthy vehicle and incorrectly secured goods. Dangerous goods, refrigerated stock, employee dishonesty and cross-border travel may require specialist terms. Use the latest wording and Coversheet for the actual policy.",[2788],{"start":1966,"end":2099,"type":219,"data":2789},{"link_type":81,"url":2790,"target":138},"https://www.miway.co.za/site_files/documents/MiWay_Business_Insurance_Policy_Wording.pdf","article_content_text$83db8d3e-175e-46a7-a94c-728ba8b047ed",{"variation":1531,"version":1532,"items":2793,"primary":2794,"id":2800,"slice_type":1547,"slice_label":9},[],{"heading":2795,"content":2796,"link_heading":1380},"How do you choose the right cover?",[2797],{"type":73,"text":2798,"spans":2799,"direction":76},"Use the realistic maximum value exposed in one journey, not the average delivery. Disclose the cargo, vehicles, routes, subcontractors and security accurately. Ask about loading, unloading, storage, deterioration, cross-border travel, limits and excesses. Strong traceability shows what moved, its condition, custody, route and recipient.",[],"article_content_text$95442f55-288e-4ea8-9865-eb2a32d35d12",{"variation":1531,"version":1532,"items":2802,"primary":2803,"id":2816,"slice_type":1547,"slice_label":9},[],{"heading":2804,"content":2805,"link_heading":1380},"Conclusion",[2806,2814],{"type":73,"text":2807,"spans":2808,"direction":76},"Protect each journey through a suitable vehicle, competent driver, controlled handovers and coordinated insurance. Compare a tailored Miway Business Insurance quote. Cover is subject to underwriting, the Coversheet and policy wording.",[2809],{"start":2810,"end":2811,"type":219,"data":2812},134,164,{"link_type":81,"url":2813,"target":138},"https://www.miway.co.za/business-insurance",{"type":73,"text":1544,"spans":2815,"direction":76},[],"article_content_text$be957751-0b94-4acd-8e6d-bd9c5b7b2731",{"variation":1643,"version":1532,"items":2818,"primary":2819,"id":2883,"slice_type":1547,"slice_label":9},[],{"heading":2820,"content":2821,"sub_sections":2822,"link_heading":413},"A quick guide to transporting goods safely in South Africa",[],[2823,2829,2835,2841,2847,2853,2859,2865,2871,2877],{"subheading":2824,"list":2825,"link_subsection":1380},"What does goods in transit mean?",[2826],{"type":73,"text":2827,"spans":2828,"direction":76},"Goods in transit are stock, materials, equipment or customer property being moved between locations. Insurance definitions vary, so the policy determines the covered modes, journey stages and territories.",[],{"subheading":2830,"list":2831,"link_subsection":1380},"How should goods be secured on a vehicle in South Africa?",[2832],{"type":73,"text":2833,"spans":2834,"direction":76},"Goods must be safely contained or securely fastened, protected against falling or spilling and positioned so they do not obstruct the driver. Use restraints and anchor points suitable for the load.",[],{"subheading":2836,"list":2837,"link_subsection":1380},"Does commercial vehicle insurance cover the cargo?",[2838],{"type":73,"text":2839,"spans":2840,"direction":76},"Not automatically. Vehicle insurance protects the insured vehicle, while Goods in Transit insurance protects qualifying cargo. A trailer and third-party liability may also require separate cover.",[],{"subheading":2842,"list":2843,"link_subsection":1380},"Does Goods in Transit insurance cover loading and unloading?",[2844],{"type":73,"text":2845,"spans":2846,"direction":76},"Only when the policy includes those stages. Check when transit begins and ends, who performs the handling and whether limits, excesses or packaging conditions apply.",[],{"subheading":2848,"list":2849,"link_subsection":1380},"Does Goods in Transit insurance cover theft and hijacking?",[2850],{"type":73,"text":2851,"spans":2852,"direction":76},"It may cover theft or hijacking when the selected policy includes the event and all security conditions are met. Unattended-vehicle, tracking, locking and driver requirements may affect a claim.",[],{"subheading":2854,"list":2855,"link_subsection":1380},"Can customer-owned goods be insured in transit?",[2856],{"type":73,"text":2857,"spans":2858,"direction":76},"Potentially. Confirm that the policy covers goods belonging to others for which the business is responsible, and insure the correct value and basis of settlement.",[],{"subheading":2860,"list":2861,"link_subsection":1380},"Are goods covered when a third-party courier transports them?",[2862],{"type":73,"text":2863,"spans":2864,"direction":76},"Do not assume so. Check your policy, the courier contract, subcontracting terms and the carrier’s liability limit. The courier’s insurance may not reimburse the cargo’s full value.",[],{"subheading":2866,"list":2867,"link_subsection":1380},"What records support a goods-in-transit claim?",[2868],{"type":73,"text":2869,"spans":2870,"direction":76},"Keep invoices, dispatch notes, serial and seal numbers, load photographs, driver and vehicle details, tracking records, police references, temperature logs and signed proof of delivery.",[],{"subheading":2872,"list":2873,"link_subsection":1380},"How much Goods in Transit cover should a business choose?",[2874],{"type":73,"text":2875,"spans":2876,"direction":76},"Use the realistic maximum value exposed in one journey, including peak-season or consolidated loads. Discuss valuation, per-vehicle and per-event limits, excesses and average or underinsurance provisions.",[],{"subheading":2878,"list":2879,"link_subsection":1380},"What should a business do after cargo is lost or damaged?",[2880],{"type":73,"text":2881,"spans":2882,"direction":76},"Protect people first, contact emergency services or SAPS where appropriate, notify the tracking provider and insurer promptly, preserve evidence and follow instructions before disposing of goods or salvage.",[],"article_content_text$c950a789-ab60-4ef5-b729-92d29b34673d","Goods in Transit: Safety & Insurance | Miway Business Insurance","Learn how to secure, monitor and document loads in South Africa, and how goods-in-transit insurance differs from vehicle and liability cover.",{"dimensions":2887,"alt":2604,"copyright":9,"url":2888,"id":2606,"edit":2889},{"width":1713,"height":1714},"https://images.prismic.io/miway-website/zRB3OWaHCa1EsZPw_goodsintransit.png?auto=format,compress&rect=0,32,1672,878&w=2400&h=1260",{"x":32,"y":723,"zoom":7,"background":33},{"link_type":38},[2892],{"type":73,"text":2893,"spans":2894,"direction":76},"Safe goods transport combines a roadworthy, correctly loaded vehicle with trained drivers, controlled routes, reliable records and suitable insurance. Before every journey, identify the cargo, responsible party, maximum value and principal risks.",[],{"id":2896,"type":1725,"tags":2897,"lang":20,"slug":2898,"first_publication_date":2899,"last_publication_date":2900,"uid":2901,"link_type":411,"key":2902,"isBroken":413},"ZwY4_BAAACAAqBd3",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block","358bb5c4-cedf-4f57-9961-bee62b4b4ed4",[],{"dimensions":2905,"alt":2604,"copyright":9,"url":2605,"id":2606,"edit":2906},{"width":1521,"height":1522},{"x":32,"y":32,"zoom":7,"background":33},{"id":2908,"uid":2909,"url":2910,"type":1486,"href":2911,"tags":2912,"first_publication_date":2913,"last_publication_date":2913,"slugs":2914,"linked_documents":2916,"lang":20,"alternate_languages":2917,"data":2918},"anUpAREAACoAcOIw","car-broke-down-on-the-highway-what-south-african-drivers-should-do","/blog/car-broke-down-on-the-highway-what-south-african-drivers-should-do","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=anhPAhEAAC0AdaI3&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22anUpAREAACoAcOIw%22%29+%5D%5D",[2583,642,513,976],"2026-08-07T00:59:32+0000",[2915],"2026-08-07t1000000000",[],[],{"date":2919,"heading":2920,"duration":9,"article_type":2921,"category":2924,"related_product":2928,"thumbnail":2931,"type":1527,"related_insurance":1528,"slices":2937,"meta_title":3161,"meta_description":3162,"meta_keywords":3163,"meta_image":3164,"canonical":3168,"intro":3169,"author":1722,"service_block":3173,"in_this_article":3176,"hero_image":3177},"2026-08-07T10:00:00+0000","Car broke down on the highway? What South African drivers should do",{"id":1355,"type":1356,"tags":2922,"lang":20,"slug":1358,"first_publication_date":1359,"last_publication_date":1359,"uid":1358,"url":1360,"link_type":411,"key":2923,"isBroken":413},[],"89b0e5c3-1f69-42dd-b0d8-46cabec598ae",{"id":1502,"type":1503,"tags":2925,"lang":20,"slug":1505,"first_publication_date":1506,"last_publication_date":1507,"uid":1508,"url":1360,"data":2926,"link_type":411,"key":2927,"isBroken":413},[],{"name":1796,"tag":1797},"2d43d0e1-4b6f-40e8-9c63-cc3cb8712f00",{"id":644,"type":533,"tags":2929,"lang":20,"slug":646,"first_publication_date":647,"last_publication_date":648,"uid":649,"url":650,"link_type":411,"key":2930,"isBroken":413},[537],"5dd80a3f-5bd7-4a82-92ee-9f3a3dd303c9",{"dimensions":2932,"alt":2933,"copyright":9,"url":2934,"id":2935,"edit":2936},{"width":1521,"height":1522},"what to do when a car breaks down, roadside assistance South Africa","https://images.prismic.io/miway-website/9LbfJ9vV49-VxW4p_CarbreakdownonHighway.png?auto=format,compress","9LbfJ9vV49-VxW4p",{"x":32,"y":32,"zoom":7,"background":33},[2938,2960,2969,2982,2991,3000,3013,3022,3035,3044,3053,3062,3079,3091],{"variation":1531,"version":1532,"items":2939,"primary":2940,"id":2959,"slice_type":1547,"slice_label":9},[],{"heading":2941,"content":2942,"link_heading":1380},"What are the first five actions after a highway breakdown?",[2943],{"type":73,"text":2944,"spans":2945,"direction":76},"1. Warn other drivers: Switch on hazard lights, signal and slow smoothly without sudden braking or swerving.\n2. Get clear of live lanes: Move as far onto the shoulder or into another safe area as the vehicle and conditions allow.\n3. Assess immediate danger: Look for fire, smoke, leaking fuel, injuries, fast traffic and the risk of another vehicle striking yours.\n4. Choose the safest waiting place: Remain belted if exiting would expose occupants to traffic; otherwise use a safe passenger-side exit and move behind a barrier or well away from the road.\n5. Call the right help: Share an exact location with roadside assistance, or call emergency services when there is injury, fire, danger or a vehicle blocking traffic.",[2946,2947,2950,2953,2956],{"start":32,"end":31,"type":1851},{"start":2948,"end":2949,"type":1851},109,137,{"start":2951,"end":2952,"type":1851},230,258,{"start":2954,"end":2955,"type":1851},365,401,{"start":2957,"end":2958,"type":1851},556,580,"article_content_text$a5b18d27-8695-4154-9a3b-e0e85ab31199",{"variation":1531,"version":1532,"items":2961,"primary":2962,"id":2968,"slice_type":1547,"slice_label":9},[],{"heading":2963,"content":2964,"link_heading":1380},"Respond to warning signs early",[2965],{"type":73,"text":2966,"spans":2967,"direction":76},"Loss of power, smoke, overheating, unusual noises, steering or braking changes and red warning lights may indicate a serious fault. Keep control, avoid abrupt movements and create space around the vehicle. Do not continue driving an overheating car or ignore a critical warning simply to reach the next exit.",[],"article_content_text$3ae5a8ff-f61a-4ed4-892b-448225a9d2c7",{"variation":1531,"version":1532,"items":2970,"primary":2971,"id":2981,"slice_type":1547,"slice_label":9},[],{"heading":2972,"content":2973,"link_heading":1380},"Move as far from traffic as safely possible",[2974],{"type":73,"text":2975,"spans":2976,"direction":76},"Signal early, check mirrors and guide the car smoothly towards the shoulder, emergency lane or another safe area. Avoid a blind bend, hill crest or narrow bridge when the vehicle can safely reach a more visible position. The AA emergency-driving guide recommends using hazards and moving as far off the road as possible. If the car stops in a live lane and cannot move, call emergency services immediately and follow the dispatcher’s instructions.",[2977],{"start":2420,"end":2978,"type":219,"data":2979},251,{"link_type":81,"url":2980,"target":138},"https://aa.co.za/how-to-survive-6-motoring-emergencies-2/","article_content_text$36f4d34e-414f-4ca1-935a-e468594e6230",{"variation":1531,"version":1532,"items":2983,"primary":2984,"id":2990,"slice_type":1547,"slice_label":9},[],{"heading":2985,"content":2986,"link_heading":1380},"Use hazard lights and improve visibility",[2987],{"type":73,"text":2988,"spans":2989,"direction":76},"Switch on hazard lights as soon as the problem becomes apparent. At night or in rain, fog, smoke or dust, use the appropriate vehicle lights as well. Visibility aids help approaching drivers notice the vehicle, but they do not make a shoulder or live lane safe to stand in.",[],"article_content_text$22b3883e-0fd3-4357-94f5-dc37f2abfc86",{"variation":1531,"version":1532,"items":2992,"primary":2993,"id":2999,"slice_type":1547,"slice_label":9},[],{"heading":2994,"content":2995,"link_heading":1380},"Should you stay inside the car or get out?",[2996],{"type":73,"text":2997,"spans":2998,"direction":76},"There is no single safe answer. If the vehicle is fully off the road, there is no fire or smoke and leaving would expose occupants to fast traffic, remaining inside with seatbelts fastened may be safer. If a passenger-side exit leads safely away from traffic or behind a barrier, move everyone there. Evacuate for fire, smoke, leaking fuel or an immediate impact risk, and never wait directly in front of or behind the vehicle.",[],"article_content_text$cfffb459-4f68-4549-8b56-f755fc763788",{"variation":1531,"version":1532,"items":3001,"primary":3002,"id":3012,"slice_type":1547,"slice_label":9},[],{"heading":3003,"content":3004,"link_heading":1380},"Use a warning triangle only when it is safe",[3005],{"type":73,"text":3006,"spans":3007,"direction":76},"South Africa’s emergency-triangle guidance explains that Regulation 214 requires a compliant warning sign for most applicable motor vehicles, subject to listed exceptions. Deploy the triangle where it can warn approaching traffic only if you can reach the position without entering a live lane or exposing yourself to fast-moving vehicles. Personal safety takes priority.",[3008],{"start":879,"end":3009,"type":219,"data":3010},42,{"link_type":81,"url":3011,"target":138},"https://www.arrivealive.mobi/the-emergency-triangle-and-safety-on-the-road","article_content_text$b59558b7-924a-4f99-961a-b3b4eb7062a0",{"variation":1531,"version":1532,"items":3014,"primary":3015,"id":3021,"slice_type":1547,"slice_label":9},[],{"heading":3016,"content":3017,"link_heading":1380},"Do not attempt dangerous roadside repairs",[3018],{"type":73,"text":3019,"spans":3020,"direction":76},"Do not change a tyre, jump-start a battery or inspect under the vehicle beside high-speed traffic. Wait for trained help unless the car is well clear of traffic and conditions are genuinely safe. If there are visible flames, do not open the bonnet; move people away and call emergency services.",[],"article_content_text$8d0c249f-076e-494c-b907-86532b94d94b",{"variation":1531,"version":1532,"items":3023,"primary":3024,"id":3034,"slice_type":1547,"slice_label":9},[],{"heading":3025,"content":3026,"link_heading":1380},"Call the right help and share your exact location",[3027],{"type":73,"text":3028,"spans":3029,"direction":76},"Call roadside assistance when the vehicle is safely off the road and nobody is injured. Call 112 from a cellphone for an emergency, 10111 for police or 10177 for an ambulance; these numbers are listed by the Western Cape Government emergency directory. Give the route number, direction of travel, nearest exit or kilometre marker, vehicle colour and registration, number of occupants and any fire, injury or traffic obstruction.",[3030],{"start":3031,"end":2978,"type":219,"data":3032},208,{"link_type":81,"url":3033,"target":138},"https://www.westerncape.gov.za/know-who-you-can-call-emergency","article_content_text$2cb038f9-d966-4936-8ba8-e690e02e2044",{"variation":1531,"version":1532,"items":3036,"primary":3037,"id":3043,"slice_type":1547,"slice_label":9},[],{"heading":3038,"content":3039,"link_heading":1380},"Confirm towing before you authorise it",[3040],{"type":73,"text":3041,"spans":3042,"direction":76},"Contact the insurer or assistance provider before accepting a tow where circumstances allow. Confirm who authorised the operator, the destination, covered limits and any amount you must pay. Record the operator and vehicle details, remove essential belongings and do not sign incomplete documents.",[],"article_content_text$16609d8d-5e34-4be7-bc33-139c552025f0",{"variation":1531,"version":1532,"items":3045,"primary":3046,"id":3052,"slice_type":1547,"slice_label":9},[],{"heading":3047,"content":3048,"link_heading":1380},"Stay alert while waiting for help",[3049],{"type":73,"text":3050,"spans":3051,"direction":76},"Share your live location with someone you trust, conserve phone power and keep valuables out of sight. Stay aware of changing traffic, weather and personal-security risks. Do not accept assistance that feels unsafe, and call emergency services again if the danger increases.",[],"article_content_text$5d5153e4-1e3a-4451-9ee6-4e981fcc9aef",{"variation":1531,"version":1532,"items":3054,"primary":3055,"id":3061,"slice_type":1547,"slice_label":9},[],{"heading":3056,"content":3057,"link_heading":1380},"Reduce the risk of a future breakdown",[3058],{"type":73,"text":3059,"spans":3060,"direction":76},"Check tyres and the spare, battery condition, brakes, lights, engine oil, coolant and visible leaks before a long trip. Service the vehicle according to its schedule and investigate warning lights, starting problems, fluid loss, overheating and unusual noises promptly. Maintenance reduces preventable risk but cannot guarantee that a breakdown will not occur.",[],"article_content_text$5d1f1f7a-7d47-4b89-ae7d-c8082940dd28",{"variation":1531,"version":1532,"items":3063,"primary":3064,"id":3078,"slice_type":1547,"slice_label":9},[],{"heading":3065,"content":3066,"link_heading":1380},"How do insurance, roadside assistance and a motor warranty differ?",[3067],{"type":73,"text":3068,"spans":3069,"direction":76},"Comprehensive car insurance responds to insured events such as accidents, theft and specified weather damage, subject to the policy; mechanical failure is not automatically an insured event. MiWay says its comprehensive cover includes MiHelp roadside assistance for services such as flat-tyre, battery, fuel, towing, locksmith and safe-storage help. A separate Miway motor warranty may cover eligible mechanical or electrical failures. Limits, exclusions and costs remain subject to the relevant terms.",[3070,3074],{"start":3071,"end":3072,"type":219,"data":3073},235,261,{"link_type":81,"url":2491,"target":138},{"start":1758,"end":3075,"type":219,"data":3076},381,{"link_type":81,"url":3077,"target":138},"https://www.miway.co.za/motor-warranty","article_content_text$295cd0f8-d8da-4ba0-aa47-f7b30b03f7f1",{"variation":1531,"version":1532,"items":3080,"primary":3081,"id":3090,"slice_type":1547,"slice_label":9},[],{"heading":1636,"content":3082,"link_heading":1380},[3083],{"type":73,"text":3084,"spans":3085,"direction":76},"The safest action is the one that reduces exposure to live traffic. Hazards, a triangle and a roadside repair are secondary to getting people out of immediate danger. Reassess continuously: a safe waiting place can become unsafe if the vehicle begins smoking, visibility worsens or traffic conditions change.\n\nA highway breakdown demands calm decisions: warn other drivers, move clear of traffic, protect occupants and call suitable help. Before your next journey, save the correct assistance numbers and review the benefits and limits in your policy, or compare a Miway car insurance quote. Cover and assistance remain subject to the policy wording, coversheet and benefit limits.",[3086],{"start":3087,"end":3088,"type":219,"data":3089},565,590,{"link_type":81,"url":2491,"target":138},"article_content_text$0591fa9f-6bb6-4bc7-aa8b-c80fba6e6a81",{"variation":1643,"version":1532,"items":3092,"primary":3093,"id":3160,"slice_type":1547,"slice_label":9},[],{"heading":3094,"content":3095,"sub_sections":3096,"link_heading":413},"What to do if your car breaks down on the highway",[],[3097,3103,3109,3115,3121,3127,3133,3139,3145,3151],{"subheading":3098,"list":3099,"link_subsection":1380},"What should I do first if my car breaks down on the highway?",[3100],{"type":73,"text":3101,"spans":3102,"direction":76},"Switch on hazard lights, signal, slow smoothly and move as far from live traffic as safely possible. Assess injuries, fire and impact risk before deciding where occupants should wait.",[],{"subheading":3104,"list":3105,"link_subsection":1380},"What if my car stops in a live traffic lane?",[3106],{"type":73,"text":3107,"spans":3108,"direction":76},"Keep hazards on, call 112 immediately and give your exact location and direction of travel. Do not stand in the lane or attempt a repair; follow the emergency dispatcher’s instructions.",[],{"subheading":3110,"list":3111,"link_subsection":1380},"Should I stay inside the car or get out?",[3112],{"type":73,"text":3113,"spans":3114,"direction":76},"Remain belted when exiting would expose you to fast traffic and there is no fire or smoke. If a safe passenger-side exit leads away from traffic or behind a barrier, move there.",[],{"subheading":3116,"list":3117,"link_subsection":1380},"When should I call emergency services?",[3118],{"type":73,"text":3119,"spans":3120,"direction":76},"Call for injury, fire, smoke, leaking fuel, personal danger or a vehicle blocking traffic. In South Africa, call 112 from a cellphone, 10111 for police or 10177 for an ambulance.",[],{"subheading":3122,"list":3123,"link_subsection":1380},"Where should I place a warning triangle?",[3124],{"type":73,"text":3125,"spans":3126,"direction":76},"Place a compliant triangle where approaching drivers can see it only if you can do so without entering a live lane or exposing yourself to traffic. Hazards and personal safety come first.",[],{"subheading":3128,"list":3129,"link_subsection":1380},"Can I change a flat tyre on the highway?",[3130],{"type":73,"text":3131,"spans":3132,"direction":76},"Only consider it when the vehicle is well clear of traffic and the location is genuinely safe. Beside high-speed traffic, remain in a safer position and call roadside assistance.",[],{"subheading":3134,"list":3135,"link_subsection":1380},"What details should I give roadside assistance?",[3136],{"type":73,"text":3137,"spans":3138,"direction":76},"Give the route, travel direction, nearest exit or kilometre marker, live location, vehicle colour and registration, breakdown symptoms, number of occupants and any immediate hazards.",[],{"subheading":3140,"list":3141,"link_subsection":1380},"Can I accept help from any tow-truck operator?",[3142],{"type":73,"text":3143,"spans":3144,"direction":76},"Confirm authorisation with your insurer or assistance provider where possible. Check the destination, benefit limits and costs, record operator details and never sign an incomplete document.",[],{"subheading":3146,"list":3147,"link_subsection":1380},"Does comprehensive car insurance cover mechanical breakdown?",[3148],{"type":73,"text":3149,"spans":3150,"direction":76},"Not automatically. Comprehensive insurance generally covers specified insured events, while roadside assistance provides practical emergency help and a motor warranty may cover eligible mechanical or electrical failures.",[],{"subheading":3152,"list":3153,"link_subsection":1380},"What roadside help does Miway comprehensive cover include?",[3154,3157],{"type":73,"text":3155,"spans":3156,"direction":76},"Miway states that MiHelp can assist with flat tyres, flat batteries, fuel, towing, locksmith services and safe storage. Services, limits, exclusions and extra costs depend on the applicable terms.",[],{"type":73,"text":3158,"spans":3159,"direction":76}," ",[],"article_content_text$4ab89f1a-002d-4526-a10f-5aa88f411355","Car Broke Down on the Highway? What to Do | Miway car Insurance","Learn what to do if your car breaks down on a South African highway, from reaching safety and using hazards to calling the right assistance.","car breakdown highway, what to do when a car breaks down, roadside assistance South Africa",{"dimensions":3165,"alt":2933,"copyright":9,"url":3166,"id":2935,"edit":3167},{"width":1713,"height":1714},"https://images.prismic.io/miway-website/9LbfJ9vV49-VxW4p_CarbreakdownonHighway.png?auto=format,compress&rect=0,32,1672,878&w=2400&h=1260",{"x":32,"y":723,"zoom":7,"background":33},{"link_type":38},[3170],{"type":73,"text":3171,"spans":3172,"direction":76},"If your car develops a problem on a highway, switch on the hazard lights, signal, reduce speed smoothly and move as far from live traffic as safely possible. Assess the immediate danger, choose the safest place for occupants to wait and call roadside assistance. Use emergency services for injury, fire, danger or a vehicle obstructing traffic.",[],{"id":1724,"type":1725,"tags":3174,"lang":20,"slug":649,"first_publication_date":1727,"last_publication_date":1728,"uid":1729,"link_type":411,"key":3175,"isBroken":413},[],"e3bb9796-0e1e-471b-ace1-c07fc4ca7a10",[],{"dimensions":3178,"alt":2933,"copyright":9,"url":2934,"id":2935,"edit":3179},{"width":1521,"height":1522},{"x":32,"y":32,"zoom":7,"background":33},1786544272294]