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performance",[],{"type":1645,"text":1710,"spans":1711,"direction":76},"Increase accident risk",[],{"type":1645,"text":1713,"spans":1714,"direction":76},"Increase repair costs",[],{"type":1645,"text":1716,"spans":1717,"direction":76},"Make replacement parts more expensive",[],{"type":73,"text":1719,"spans":1720,"direction":76},"Because insurers assess risk carefully, modifications may affect how your policy is priced and structured.",[],"article_content_text$4851c7e2-3cc4-4347-b700-70babf092138",{"variation":1620,"version":1621,"items":1723,"primary":1724,"id":1760,"slice_type":1632,"slice_label":9},[],{"heading":1725,"content":1726,"link_heading":1687},"Can car modifications increase car insurance premiums?",[1727,1730,1733,1736,1739,1742,1745,1748,1751,1754,1757],{"type":73,"text":1728,"spans":1729,"direction":76},"Yes, in many cases modifications can increase your premium.",[],{"type":73,"text":1731,"spans":1732,"direction":76},"For example:",[],{"type":1645,"text":1734,"spans":1735,"direction":76},"Performance modifications may increase accident risk",[],{"type":1645,"text":1737,"spans":1738,"direction":76},"Luxury accessories may increase theft risk",[],{"type":1645,"text":1740,"spans":1741,"direction":76},"Custom bodywork may increase repair costs",[],{"type":73,"text":1743,"spans":1744,"direction":76},"The impact depends on:",[],{"type":1645,"text":1746,"spans":1747,"direction":76},"The type of modification",[],{"type":1645,"text":1749,"spans":1750,"direction":76},"The value of the upgrade",[],{"type":1645,"text":1752,"spans":1753,"direction":76},"The insurer’s policy terms",[],{"type":1645,"text":1755,"spans":1756,"direction":76},"The overall vehicle risk profile",[],{"type":73,"text":1758,"spans":1759,"direction":76},"Not all modifications automatically increase premiums significantly, but insurers still need to know about them.",[],"article_content_text$bf779107-b30d-4137-bdfd-8da66c014b2d",{"variation":1620,"version":1621,"items":1762,"primary":1763,"id":1789,"slice_type":1632,"slice_label":9},[],{"heading":1764,"content":1765,"link_heading":1687},"What happens if you don’t declare modifications?",[1766,1769,1772,1774,1777,1780,1783,1786],{"type":73,"text":1767,"spans":1768,"direction":76},"One of the biggest mistakes drivers make is assuming cosmetic upgrades don’t need to be disclosed.",[],{"type":73,"text":1770,"spans":1771,"direction":76},"Undeclared modifications can create complications during claims.",[],{"type":73,"text":1731,"spans":1773,"direction":76},[],{"type":1645,"text":1775,"spans":1776,"direction":76},"Accessories may not be covered",[],{"type":1645,"text":1778,"spans":1779,"direction":76},"Repair costs may not be fully paid",[],{"type":1645,"text":1781,"spans":1782,"direction":76},"Claims assessments may become more complicated",[],{"type":1645,"text":1784,"spans":1785,"direction":76},"Certain claims may potentially be rejected if important information was not disclosed",[],{"type":73,"text":1787,"spans":1788,"direction":76},"That’s why transparency matters when updating your vehicle.",[],"article_content_text$135b28ba-eb69-461a-8903-48d577d3d444",{"variation":1791,"version":1621,"items":1792,"primary":1793,"id":1872,"slice_type":1632,"slice_label":9},"subheadingBulletLists",[],{"heading":1794,"content":1795,"sub_sections":1796,"link_heading":1687},"Types of modifications that may affect car insurance",[],[1797,1824,1849],{"subheading":1798,"list":1799,"link_subsection":9},"Performance Modifications",[1800,1803,1806,1809,1812,1815,1818,1821],{"type":73,"text":1801,"spans":1802,"direction":76},"Performance upgrades often carry higher risk because they may affect speed, acceleration or handling.",[],{"type":73,"text":1804,"spans":1805,"direction":76},"Examples include:",[],{"type":1645,"text":1807,"spans":1808,"direction":76},"Turbo upgrades",[],{"type":1645,"text":1810,"spans":1811,"direction":76},"Engine tuning",[],{"type":1645,"text":1813,"spans":1814,"direction":76},"Suspension changes",[],{"type":1645,"text":1816,"spans":1817,"direction":76},"Exhaust system upgrades",[],{"type":1645,"text":1819,"spans":1820,"direction":76},"Brake conversions",[],{"type":73,"text":1822,"spans":1823,"direction":76},"These modifications may increase premiums more noticeably than cosmetic changes.",[],{"subheading":1825,"list":1826,"link_subsection":9},"Cosmetic Modifications",[1827,1830,1832,1835,1838,1840,1843,1846],{"type":73,"text":1828,"spans":1829,"direction":76},"Cosmetic upgrades generally focus on appearance rather than performance.",[],{"type":73,"text":1804,"spans":1831,"direction":76},[],{"type":1645,"text":1833,"spans":1834,"direction":76},"Custom paint",[],{"type":1645,"text":1836,"spans":1837,"direction":76},"Alloy wheels",[],{"type":1645,"text":1661,"spans":1839,"direction":76},[],{"type":1645,"text":1841,"spans":1842,"direction":76},"Vinyl wraps",[],{"type":1645,"text":1844,"spans":1845,"direction":76},"Interior upgrades",[],{"type":73,"text":1847,"spans":1848,"direction":76},"Even cosmetic changes can affect vehicle value and theft risk.",[],{"subheading":1850,"list":1851,"link_subsection":9},"Safety Modifications",[1852,1855,1857,1860,1863,1866,1869],{"type":73,"text":1853,"spans":1854,"direction":76},"Some upgrades are designed to improve safety or security.",[],{"type":73,"text":1804,"spans":1856,"direction":76},[],{"type":1645,"text":1858,"spans":1859,"direction":76},"Tracking devices",[],{"type":1645,"text":1861,"spans":1862,"direction":76},"Alarm systems",[],{"type":1645,"text":1864,"spans":1865,"direction":76},"Reverse cameras",[],{"type":1645,"text":1867,"spans":1868,"direction":76},"Dashcams",[],{"type":73,"text":1870,"spans":1871,"direction":76},"Certain safety features may positively influence risk assessments depending on the insurer.",[],"article_content_text$d60a7b0f-96ee-45f0-b68e-841158df765f",{"variation":1620,"version":1621,"items":1874,"primary":1875,"id":1900,"slice_type":1632,"slice_label":9},[],{"heading":1876,"content":1877,"link_heading":1687},"Do aftermarket accessories need to be insured?",[1878,1881,1883,1885,1888,1891,1894,1897],{"type":73,"text":1879,"spans":1880,"direction":76},"Yes. Expensive aftermarket accessories should generally be disclosed to your insurer.",[],{"type":73,"text":1642,"spans":1882,"direction":76},[],{"type":1645,"text":1655,"spans":1884,"direction":76},[],{"type":1645,"text":1886,"spans":1887,"direction":76},"Navigation units",[],{"type":1645,"text":1889,"spans":1890,"direction":76},"Custom rims",[],{"type":1645,"text":1892,"spans":1893,"direction":76},"Roof racks",[],{"type":1645,"text":1895,"spans":1896,"direction":76},"Off-road accessories",[],{"type":73,"text":1898,"spans":1899,"direction":76},"If these items are not listed on your policy, they may not automatically be covered during theft or accident claims.",[],"article_content_text$94170103-f913-41e5-8e93-5e233176a416",{"variation":1620,"version":1621,"items":1902,"primary":1903,"id":1935,"slice_type":1632,"slice_label":9},[],{"heading":1904,"content":1905,"link_heading":1687},"Modified cars and Comprehensive Car Insurance",[1906,1909,1917,1920,1923,1926,1929,1932],{"type":73,"text":1907,"spans":1908,"direction":76},"Drivers with modified vehicles often choose broader cover because of the increased value associated with upgrades and accessories.",[],{"type":73,"text":1910,"spans":1911,"direction":76},"You can explore comprehensive car insurance options that may help protect vehicles against:",[1912],{"start":1913,"end":47,"type":219,"data":1914},16,{"link_type":81,"url":1915,"target":1916},"https://www.miway.co.za/car-insurance","_self",{"type":1645,"text":1918,"spans":1919,"direction":76},"Accident damage",[],{"type":1645,"text":1921,"spans":1922,"direction":76},"Theft and hijacking",[],{"type":1645,"text":1924,"spans":1925,"direction":76},"Fire damage",[],{"type":1645,"text":1927,"spans":1928,"direction":76},"Weather-related incidents",[],{"type":1645,"text":1930,"spans":1931,"direction":76},"Third-party liability",[],{"type":73,"text":1933,"spans":1934,"direction":76},"However, policy terms, exclusions and cover limits may differ depending on the modifications involved.",[],"article_content_text$76e03ac3-71b8-486b-a1e2-b6d3174981c2",{"variation":1620,"version":1621,"items":1937,"primary":1938,"id":1962,"slice_type":1632,"slice_label":9},[],{"heading":1939,"content":1940,"link_heading":1687},"How to tell your insurer about vehicle modifications",[1941,1944,1947,1950,1953,1956,1959],{"type":73,"text":1942,"spans":1943,"direction":76},"If you modify your vehicle:",[],{"type":1645,"text":1945,"spans":1946,"direction":76},"Inform your insurer as soon as possible",[],{"type":1645,"text":1948,"spans":1949,"direction":76},"Keep invoices and receipts",[],{"type":1645,"text":1951,"spans":1952,"direction":76},"Take updated vehicle photos",[],{"type":1645,"text":1954,"spans":1955,"direction":76},"Confirm whether the modifications are covered",[],{"type":1645,"text":1957,"spans":1958,"direction":76},"Ask whether your premium or excess 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insurer?",[],{"type":73,"text":2014,"spans":2015,"direction":76},"Planning ahead can help you avoid unexpected costs later.",[],"article_content_text$e018b5f6-95ab-4dd0-b7d9-a120b64cd685",{"variation":1620,"version":1621,"items":2018,"primary":2019,"id":2043,"slice_type":1632,"slice_label":9},[],{"heading":2020,"content":2021,"link_heading":1687},"Common mistakes drivers make",[2022,2025,2028,2031,2034,2037,2040],{"type":73,"text":2023,"spans":2024,"direction":76},"Drivers sometimes unintentionally create insurance problems by:",[],{"type":1645,"text":2026,"spans":2027,"direction":76},"Not declaring modifications",[],{"type":1645,"text":2029,"spans":2030,"direction":76},"Assuming cosmetic changes don’t matter",[],{"type":1645,"text":2032,"spans":2033,"direction":76},"Forgetting to update policy information",[],{"type":1645,"text":2035,"spans":2036,"direction":76},"Installing expensive accessories without cover 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Most insurers require drivers to disclose modifications that affect vehicle value, appearance or performance.",[],{"type":73,"text":2059,"spans":2060,"direction":76},"Will modifications increase my car insurance premium?",[2061],{"start":32,"end":2053,"type":2054},{"type":73,"text":2063,"spans":2064,"direction":76},"They can. The impact depends on the type of modification, theft risk, repair costs and overall risk profile.",[],{"type":73,"text":2066,"spans":2067,"direction":76},"Are aftermarket accessories automatically covered?",[2068],{"start":32,"end":2069,"type":2054},50,{"type":73,"text":2071,"spans":2072,"direction":76},"Not always. Certain accessories may need to be specified separately on your policy.",[],{"type":73,"text":2074,"spans":2075,"direction":76},"Can undeclared modifications affect claims?",[2076],{"start":32,"end":47,"type":2054},{"type":73,"text":2078,"spans":2079,"direction":76},"Yes. Undeclared modifications could create complications during claims assessments and may affect cover outcomes.",[],{"type":73,"text":2081,"spans":2082,"direction":76},"What modifications affect insurance the most?",[2083],{"start":32,"end":2084,"type":2054},45,{"type":73,"text":2086,"spans":2087,"direction":76},"Performance upgrades such as engine tuning, suspension modifications and turbo upgrades may carry higher insurance risk.",[],{"type":73,"text":2089,"spans":2090,"direction":76},"Is comprehensive car insurance better for modified vehicles?",[2091],{"start":32,"end":2092,"type":2054},60,{"type":73,"text":2094,"spans":2095,"direction":76},"Many drivers choose comprehensive car insurance because it may provide broader protection for vehicles with added value or accessories.",[2096],{"start":8,"end":2097,"type":219,"data":2098},47,{"link_type":81,"url":1915,"target":1916},"article_content_text$86ca4bb7-fceb-4703-8441-36da327538b5",{"variation":1620,"version":1621,"items":2101,"primary":2102,"id":2121,"slice_type":1632,"slice_label":9},[],{"heading":2103,"content":2104,"link_heading":1687},"Protecting your vehicle after modifications",[2105,2108,2111,2114],{"type":73,"text":2106,"spans":2107,"direction":76},"Vehicle customisation can be a great way to personalise your car, improve comfort or enhance performance. But every modification potentially changes the vehicle’s risk profile and value.",[],{"type":73,"text":2109,"spans":2110,"direction":76},"Understanding how modifications affect your policy can help you avoid unexpected surprises during claims and ensure your vehicle remains properly protected.",[],{"type":73,"text":2112,"spans":2113,"direction":76},"Before upgrading your car, review your cover carefully and make sure your insurer has the correct information about your vehicle.",[],{"type":73,"text":2115,"spans":2116,"direction":76},"You can explore flexible car insurance options designed to suit different vehicles, lifestyles and driving needs.",[2117],{"start":2118,"end":2119,"type":219,"data":2120},25,38,{"link_type":81,"url":1915,"target":1916},"article_content_text$74c71d7e-896a-41da-93d1-65faff0a7105","Do car modifications affect your car insurance","Before making changes to your vehicle, it’s important to understand how modifications may affect your car insurance policy.","car insurance",{"dimensions":2126,"alt":1612,"copyright":9,"url":2129,"id":1614,"edit":2130},{"width":2127,"height":2128},2400,1260,"https://images.prismic.io/miway-website/Z6MjSpbqstJ9-PSC_LifeAfterPimpingYourCarOut.jpeg?auto=format,compress&rect=23,0,933,490&w=2400&h=1260",{"x":31,"y":32,"zoom":7,"background":33},{"link_type":38},[2133],{"type":73,"text":2134,"spans":2135,"direction":76},"Customising your car can be exciting. Whether it’s upgraded rims, performance enhancements, sound systems, body kits or cosmetic styling, vehicle modifications are a popular way for drivers to personalise their cars.\nBut before making changes to your vehicle, it’s important to understand how modifications may affect your car insurance policy.",[],"Miway",{"id":2138,"type":2139,"tags":2140,"lang":20,"slug":649,"first_publication_date":2141,"last_publication_date":2142,"uid":2143,"data":2144,"link_type":411,"key":2182,"isBroken":413},"ZwYbiRAAACEAp-qZ","service_block",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block",{"description":2145,"cta_text":1333,"cta_link_href":2153,"buttons":2156,"pictogram":2169,"title":724},[2146],{"type":73,"text":2147,"spans":2148,"direction":76},"A way to protect your car and pay less for your cover. 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According to the Road Traffic Management Corporation, roadside emergencies and preventable vehicle issues continue to contribute to traffic disruptions and dangerous roadside conditions across South Africa.",[2229],{"start":2230,"end":2231,"type":219,"data":2232},98,133,{"link_type":81,"url":2233,"target":138},"https://www.rtmc.co.za/",{"type":73,"text":2235,"spans":2236,"direction":76},"The good news is that staying calm and following a few important safety steps can make a significant difference.",[],"article_content_text$1d9c749b-1850-41b5-9a75-2b4117a718af",{"variation":1620,"version":1621,"items":2239,"primary":2240,"id":2273,"slice_type":1632,"slice_label":9},[],{"heading":2241,"content":2242,"link_heading":1687},"Stay calm and focus on safety first",[2243,2246,2249,2252,2255,2258,2261,2264,2267,2270],{"type":73,"text":2244,"spans":2245,"direction":76},"The first priority during a highway breakdown is safety.",[],{"type":73,"text":2247,"spans":2248,"direction":76},"If you notice warning signs such as:",[],{"type":1645,"text":2250,"spans":2251,"direction":76},"Loss of power",[],{"type":1645,"text":2253,"spans":2254,"direction":76},"Smoke from the engine",[],{"type":1645,"text":2256,"spans":2257,"direction":76},"Unusual noises",[],{"type":1645,"text":2259,"spans":2260,"direction":76},"Overheating",[],{"type":1645,"text":2262,"spans":2263,"direction":76},"Steering difficulty",[],{"type":1645,"text":2265,"spans":2266,"direction":76},"Dashboard warning lights",[],{"type":73,"text":2268,"spans":2269,"direction":76},"try to move your vehicle safely out of active traffic as soon as possible.",[],{"type":73,"text":2271,"spans":2272,"direction":76},"Avoid braking suddenly or swerving aggressively, especially on busy highways.",[],"article_content_text$39a82356-f8d5-4df6-b027-5abc66ceda6f",{"variation":1620,"version":1621,"items":2275,"primary":2276,"id":2304,"slice_type":1632,"slice_label":9},[],{"heading":2277,"content":2278,"link_heading":1687},"Move your vehicle to a safe area",[2279,2282,2285,2288,2291,2294,2297],{"type":73,"text":2280,"spans":2281,"direction":76},"If the vehicle is still moving:",[],{"type":1645,"text":2283,"spans":2284,"direction":76},"Signal early",[],{"type":1645,"text":2286,"spans":2287,"direction":76},"Check mirrors carefully",[],{"type":1645,"text":2289,"spans":2290,"direction":76},"Move slowly toward the emergency lane or road shoulder",[],{"type":1645,"text":2292,"spans":2293,"direction":76},"Avoid stopping around blind corners or hills where visibility is poor",[],{"type":73,"text":2295,"spans":2296,"direction":76},"If possible, stop as far away from moving traffic as you can.",[],{"type":73,"text":2298,"spans":2299,"direction":76},"According to Arrive Alive, secondary accidents often happen when stranded vehicles remain too close to active traffic lanes.",[2300],{"start":2301,"end":2118,"type":219,"data":2302},13,{"link_type":81,"url":2303,"target":138},"https://www.arrivealive.co.za","article_content_text$b86d004d-234a-4c8f-8441-83111a24fa39",{"variation":1620,"version":1621,"items":2306,"primary":2307,"id":2337,"slice_type":1632,"slice_label":9},[],{"heading":2308,"content":2309,"link_heading":1687},"Turn on hazard lights immediately",[2310,2313,2316,2319,2322,2325,2328,2331,2334],{"type":73,"text":2311,"spans":2312,"direction":76},"Your hazard lights help alert other drivers that your vehicle is experiencing a problem.",[],{"type":73,"text":2314,"spans":2315,"direction":76},"Turn them on immediately after pulling over.",[],{"type":73,"text":2317,"spans":2318,"direction":76},"If visibility is poor because of:",[],{"type":1645,"text":2320,"spans":2321,"direction":76},"Rain",[],{"type":1645,"text":2323,"spans":2324,"direction":76},"Fog",[],{"type":1645,"text":2326,"spans":2327,"direction":76},"Darkness",[],{"type":1645,"text":2329,"spans":2330,"direction":76},"Smoke",[],{"type":1645,"text":2332,"spans":2333,"direction":76},"Dust",[],{"type":73,"text":2335,"spans":2336,"direction":76},"hazard lights become even more important for roadside visibility.",[],"article_content_text$707a418e-11c3-490e-a5f6-e114c45971f7",{"variation":1620,"version":1621,"items":2339,"primary":2340,"id":2364,"slice_type":1632,"slice_label":9},[],{"heading":2341,"content":2342,"link_heading":1687},"Stay inside the vehicle if it’s unsafe outside",[2343,2346,2349,2352,2355,2358,2361],{"type":73,"text":2344,"spans":2345,"direction":76},"Many motorists instinctively exit the vehicle immediately after stopping. 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behind your vehicle",[2370,2373,2376],{"type":73,"text":2371,"spans":2372,"direction":76},"South African road regulations require vehicles to carry reflective warning triangles.",[],{"type":73,"text":2374,"spans":2375,"direction":76},"Place the triangle a safe distance behind your vehicle to alert approaching traffic.",[],{"type":73,"text":2377,"spans":2378,"direction":76},"The South African Police Service encourages motorists to use visible warning devices during roadside emergencies, particularly at night or during poor weather conditions.",[2379],{"start":159,"end":723,"type":219,"data":2380},{"link_type":81,"url":2381,"target":138},"https://www.saps.gov.za/","article_content_text$80687e18-2bea-4256-817b-5c8ef2639dcb",{"variation":1620,"version":1621,"items":2384,"primary":2385,"id":2424,"slice_type":1632,"slice_label":9},[],{"heading":2386,"content":2387,"link_heading":1687},"Do not attempt dangerous repairs on the 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during:",[2436],{"start":2437,"end":2438,"type":219,"data":2439},74,96,{"link_type":81,"url":1915,"target":1916},{"type":1645,"text":2441,"spans":2442,"direction":76},"Flat tyres",[],{"type":1645,"text":2444,"spans":2445,"direction":76},"Battery failures",[],{"type":1645,"text":2447,"spans":2448,"direction":76},"Mechanical breakdowns",[],{"type":1645,"text":2450,"spans":2451,"direction":76},"Fuel shortages",[],{"type":1645,"text":2453,"spans":2454,"direction":76},"Towing emergencies",[],{"type":73,"text":2456,"spans":2457,"direction":76},"Having access to roadside assistance can help reduce waiting times and improve safety during stressful situations.",[],"article_content_text$235b8d7e-36e6-4c27-9fb3-017daf3e02f5",{"variation":1620,"version":1621,"items":2460,"primary":2461,"id":2505,"slice_type":1632,"slice_label":9},[],{"heading":2462,"content":2463,"link_heading":1687},"Keep an emergency kit in your vehicle",[2464,2467,2470,2473,2476,2479,2482,2485,2488,2491,2494,2497],{"type":73,"text":2465,"spans":2466,"direction":76},"Emergency kits can make a major difference during roadside breakdowns.",[],{"type":73,"text":2468,"spans":2469,"direction":76},"Useful items include:",[],{"type":1645,"text":2471,"spans":2472,"direction":76},"Reflective triangles",[],{"type":1645,"text":2474,"spans":2475,"direction":76},"Torch",[],{"type":1645,"text":2477,"spans":2478,"direction":76},"Reflective jacket",[],{"type":1645,"text":2480,"spans":2481,"direction":76},"Cellphone charger",[],{"type":1645,"text":2483,"spans":2484,"direction":76},"Power bank",[],{"type":1645,"text":2486,"spans":2487,"direction":76},"Drinking water",[],{"type":1645,"text":2489,"spans":2490,"direction":76},"Basic first-aid kit",[],{"type":1645,"text":2492,"spans":2493,"direction":76},"Blanket",[],{"type":1645,"text":2495,"spans":2496,"direction":76},"Jumper cables",[],{"type":73,"text":2498,"spans":2499,"direction":76},"Regular 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breakdowns significantly.",[],{"type":73,"text":2550,"spans":2551,"direction":76},"Drivers should regularly:",[],{"type":1645,"text":2553,"spans":2554,"direction":76},"Check tyre pressure",[],{"type":1645,"text":2556,"spans":2557,"direction":76},"Monitor coolant levels",[],{"type":1645,"text":2559,"spans":2560,"direction":76},"Inspect battery condition",[],{"type":1645,"text":2562,"spans":2563,"direction":76},"Service brakes",[],{"type":1645,"text":2565,"spans":2566,"direction":76},"Replace worn tyres",[],{"type":1645,"text":2568,"spans":2569,"direction":76},"Check oil levels",[],{"type":73,"text":2571,"spans":2572,"direction":76},"Ignoring smaller warning signs can sometimes lead to larger and more expensive mechanical failures later.",[],"article_content_text$27270c51-25e6-4741-a805-82cafabe30b1",{"variation":1620,"version":1621,"items":2575,"primary":2576,"id":2600,"slice_type":1632,"slice_label":9},[],{"heading":2577,"content":2578,"link_heading":1687},"What to do while waiting for help",[2579,2582,2585,2588,2591,2594,2597],{"type":73,"text":2580,"spans":2581,"direction":76},"While waiting for assistance:",[],{"type":1645,"text":2583,"spans":2584,"direction":76},"Keep your phone charged",[],{"type":1645,"text":2586,"spans":2587,"direction":76},"Share your location with someone you trust",[],{"type":1645,"text":2589,"spans":2590,"direction":76},"Remain aware of your surroundings",[],{"type":1645,"text":2592,"spans":2593,"direction":76},"Avoid accepting help from strangers if you feel unsafe",[],{"type":1645,"text":2595,"spans":2596,"direction":76},"Keep valuables out of sight",[],{"type":73,"text":2598,"spans":2599,"direction":76},"If you feel threatened or unsafe, contact emergency services immediately.",[],"article_content_text$d2f8566d-5b8d-4fcc-b0dc-3a85748b5323",{"variation":1620,"version":1621,"items":2602,"primary":2603,"id":2641,"slice_type":1632,"slice_label":9},[],{"heading":2604,"content":2605,"link_heading":1687},"Why car insurance still matters during breakdowns",[2606,2609,2612,2615,2618,2621,2624,2627,2633],{"type":73,"text":2607,"spans":2608,"direction":76},"Unexpected roadside emergencies can become expensive quickly.",[],{"type":73,"text":2610,"spans":2611,"direction":76},"Costs may include:",[],{"type":1645,"text":2613,"spans":2614,"direction":76},"Towing",[],{"type":1645,"text":2616,"spans":2617,"direction":76},"Emergency repairs",[],{"type":1645,"text":2619,"spans":2620,"direction":76},"Accommodation",[],{"type":1645,"text":2622,"spans":2623,"direction":76},"Vehicle recovery",[],{"type":1645,"text":2625,"spans":2626,"direction":76},"Replacement transport",[],{"type":73,"text":2628,"spans":2629,"direction":76},"That’s why many motorists explore comprehensive car insurance options that may help provide support during unexpected vehicle incidents.",[2630],{"start":2502,"end":2631,"type":219,"data":2632},69,{"link_type":81,"url":1915,"target":1916},{"type":73,"text":2634,"spans":2635,"direction":76},"Understanding your roadside assistance and emergency support options before travelling long distances may help reduce stress during emergencies.",[2636],{"start":2637,"end":2638,"type":219,"data":2639},19,68,{"link_type":81,"url":2640,"target":1916},"https://www.miway.co.za/blog/9-medical-situations-your-insurer-can-assist-with","article_content_text$e2d181ba-ba2c-4de7-96a7-82e3ace39eb4",{"variation":1620,"version":1621,"items":2643,"primary":2644,"id":2675,"slice_type":1632,"slice_label":9},[],{"heading":2645,"content":2646,"link_heading":1687},"Before you start your next road trip",[2647,2650,2653,2656,2659,2662,2665,2668],{"type":73,"text":2648,"spans":2649,"direction":76},"Before travelling:",[],{"type":1645,"text":2651,"spans":2652,"direction":76},"Check tyres and tyre pressure",[],{"type":1645,"text":2654,"spans":2655,"direction":76},"Test lights and indicators",[],{"type":1645,"text":2657,"spans":2658,"direction":76},"Check coolant and oil 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highway?",[2684],{"type":73,"text":2685,"spans":2686,"direction":76},"Move your vehicle safely out of traffic if possible and turn on your hazard lights immediately.",[],{"subheading":2688,"list":2689,"link_subsection":9},"Is it safe to stand outside my car on the highway?",[2690],{"type":73,"text":2691,"spans":2692,"direction":76},"Not always. High-speed traffic can make roadside areas dangerous. Move away from traffic where possible.",[],{"subheading":2694,"list":2695,"link_subsection":9},"Should I call roadside assistance or emergency services?",[2696],{"type":73,"text":2697,"spans":2698,"direction":76},"If the vehicle is safe and there are no injuries, roadside assistance is usually the first step. Contact emergency services if anyone is injured or unsafe.",[],{"subheading":2700,"list":2701,"link_subsection":9},"Can car insurance include roadside assistance?",[2702],{"type":73,"text":2703,"spans":2704,"direction":76},"Some policies may include roadside assistance or emergency support services depending on the level of cover selected.",[],{"subheading":2706,"list":2707,"link_subsection":9},"What causes most highway breakdowns?",[2708],{"type":73,"text":2709,"spans":2710,"direction":76},"Battery failures, tyre problems, overheating and poor vehicle maintenance are among the most common causes.",[],{"subheading":2712,"list":2713,"link_subsection":9},"How can I reduce the risk of breaking down?",[2714],{"type":73,"text":2715,"spans":2716,"direction":76},"Regular servicing, tyre inspections, battery checks and fluid monitoring may help reduce breakdown risks significantly.",[],"article_content_text$e84133d8-1b24-4ed2-9ded-548bd196ff54",{"variation":1620,"version":1621,"items":2719,"primary":2720,"id":2735,"slice_type":1632,"slice_label":9},[],{"heading":2721,"content":2722,"link_heading":1687},"Preparation can make all the difference",[2723,2726,2729],{"type":73,"text":2724,"spans":2725,"direction":76},"No driver expects their car to break down on the highway, but preparation and quick thinking can help keep everyone safer when unexpected situations happen.",[],{"type":73,"text":2727,"spans":2728,"direction":76},"Staying calm, prioritising safety and understanding your emergency support options may help make stressful roadside incidents easier to manage.",[],{"type":73,"text":2730,"spans":2731,"direction":76},"Combined with regular maintenance and the right car insurance cover, these simple precautions can help give drivers greater peace of mind on South African roads.",[2732],{"start":2733,"end":218,"type":219,"data":2734},48,{"link_type":81,"url":1915,"target":1916},"article_content_text$02359a22-53b8-4a52-b2aa-87529c154f73","What to do if your car breaks down on the highway | Miway.co.za","Breaking down in the middle of a busy highway is not an experience that anyone wants to go through. As much as we hope it won’t happen, there is always a chance that you might break down.","car insurance, emergency assistance",{"dimensions":2740,"alt":2217,"copyright":9,"url":2741,"id":2219,"edit":2742},{"width":2127,"height":2128},"https://images.prismic.io/miway-website/Z6na0pbqstJ9-a6k_WhatToDoIfYourCarBreaksDownOnTheHighway.jpeg?auto=format,compress&rect=23,0,933,490&w=2400&h=1260",{"x":31,"y":32,"zoom":7,"background":33},{"link_type":38},[2745],{"type":73,"text":2746,"spans":2747,"direction":76},"Breaking down on a busy highway is stressful, unpredictable and potentially dangerous. Whether it’s a flat tyre, overheating engine, dead battery or mechanical failure, knowing what to do next can help keep you and your passengers safe while reducing additional damage to your vehicle.",[],{"id":2138,"type":2139,"tags":2749,"lang":20,"slug":649,"first_publication_date":2141,"last_publication_date":2142,"uid":2143,"link_type":411,"key":2750,"isBroken":413},[],"21743dfd-ff6e-44da-9efc-bba3796f60ba",[],{"dimensions":2753,"alt":2217,"copyright":9,"url":2218,"id":2219,"edit":2754},{"width":1610,"height":1611},{"x":32,"y":32,"zoom":7,"background":33},{"id":2756,"uid":2757,"url":2758,"type":1578,"href":2759,"tags":2760,"first_publication_date":2761,"last_publication_date":2762,"slugs":2763,"linked_documents":2765,"lang":20,"alternate_languages":2766,"data":2767},"ajkpLxMAAC4AkW8Z","why-customising-your-insurance-matters-as-much-as-customising-your-coffee","/blog/why-customising-your-insurance-matters-as-much-as-customising-your-coffee","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=ak0IpxIAAC0AhwAs&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ajkpLxMAAC4AkW8Z%22%29+%5D%5D",[642,706],"2026-06-22T18:30:04+0000","2026-06-24T18:45:32+0000",[2764],"2026-06-22t1817000000",[],[],{"date":2768,"heading":2769,"duration":9,"article_type":2770,"category":2773,"related_product":2777,"thumbnail":2780,"type":1616,"related_insurance":1617,"slices":2788,"meta_title":2917,"meta_description":2918,"meta_keywords":2124,"meta_image":2919,"canonical":2924,"intro":2925,"author":2136,"service_block":2929,"in_this_article":2932,"hero_image":2933},"2026-06-22T18:17:00+0000","Why customising your Insurance matters as much as customising your coffee",{"id":2204,"type":1356,"tags":2771,"lang":20,"slug":649,"first_publication_date":2206,"last_publication_date":2206,"uid":649,"url":1360,"link_type":411,"key":2772,"isBroken":413},[],"8761dbac-d0ff-4072-9722-f8c0aed31ec9",{"id":1599,"type":1600,"tags":2774,"lang":20,"slug":1602,"first_publication_date":1603,"last_publication_date":1603,"uid":1602,"url":1360,"data":2775,"link_type":411,"key":2776,"isBroken":413},[],{"name":698},"731783f0-9b45-4a2e-816f-891dcb6b4996",{"id":644,"type":533,"tags":2778,"lang":20,"slug":646,"first_publication_date":647,"last_publication_date":648,"uid":649,"url":650,"link_type":411,"key":2779,"isBroken":413},[537],"d2ed0ae6-3600-4651-b8a4-1de5b5fd6db8",{"dimensions":2781,"alt":2784,"copyright":9,"url":2785,"id":2786,"edit":2787},{"width":2782,"height":2783},2161,585,"man at desk looking at laptop","https://images.prismic.io/miway-website/ajl8d1bRV8_QfvKd_car-insurance-and-coffee.jpg?auto=format,compress","ajl8d1bRV8_QfvKd",{"x":32,"y":32,"zoom":7,"background":33},[2789,2801,2825,2855,2897],{"variation":1620,"version":1621,"items":2790,"primary":2791,"id":2800,"slice_type":1632,"slice_label":9},[],{"heading":9,"content":2792,"link_heading":413},[2793],{"type":73,"text":2794,"spans":2795,"direction":76},"Just like your coffee order, your insurance policy should be personalised to suit your lifestyle, budget, and financial needs. Taking the time to review your cover and understand how it works can make a significant difference when you need to claim",[2796],{"start":32,"end":2797,"type":219,"data":2798},73,{"link_type":81,"url":2799,"target":138},"https://insurancebiz.co.za/news/non-life/the-case-for-customizing-your-insurance,-not-just-your-coffee.html","article_content_text$3585179a-f62f-4d03-bc84-cbaa78df2d8b",{"variation":1620,"version":1621,"items":2802,"primary":2803,"id":2824,"slice_type":1632,"slice_label":9},[],{"heading":2804,"content":2805,"link_heading":1687},"What is an Insurance Excess?",[2806,2809,2812,2815,2818,2821],{"type":73,"text":2807,"spans":2808,"direction":76},"One of the most important parts of any insurance policy is the excess. An insurance excess is the amount you pay out of pocket when submitting a claim before your insurer contributes toward the remaining costs.",[],{"type":73,"text":2810,"spans":2811,"direction":76},"Your excess directly affects:",[],{"type":1645,"text":2813,"spans":2814,"direction":76},"Your monthly premium",[],{"type":1645,"text":2816,"spans":2817,"direction":76},"Your financial responsibility during a claim",[],{"type":1645,"text":2819,"spans":2820,"direction":76},"The overall affordability of your policy",[],{"type":73,"text":2822,"spans":2823,"direction":76},"Most insurers provide a default excess amount based on a general risk profile. However, this may not always suit your personal circumstances.",[],"article_content_text$e1657669-6e39-43a4-97c2-e4d24941f896",{"variation":1620,"version":1621,"items":2826,"primary":2827,"id":2854,"slice_type":1632,"slice_label":9},[],{"heading":2828,"content":2829,"link_heading":1687},"How to choose the right Insurance Excess",[2830,2833,2836,2839,2842,2845,2848,2851],{"type":73,"text":2831,"spans":2832,"direction":76},"Choosing the right excess depends on factors such as:",[],{"type":1645,"text":2834,"spans":2835,"direction":76},"Your monthly disposable income",[],{"type":1645,"text":2837,"spans":2838,"direction":76},"Your driving habits.",[],{"type":1645,"text":2840,"spans":2841,"direction":76},"Where you live",[],{"type":1645,"text":2843,"spans":2844,"direction":76},"Your exposure to risk",[],{"type":1645,"text":2846,"spans":2847,"direction":76},"Your ability to manage unexpected expenses.",[],{"type":73,"text":2849,"spans":2850,"direction":76},"A higher excess usually lowers your monthly premium, but it also means you will pay more when claiming. A lower excess may increase your monthly premium, but it can reduce financial pressure during a claim.",[],{"type":73,"text":2852,"spans":2853,"direction":76},"The best approach is to find a balance between affordable monthly premiums and a realistic amount you can comfortably pay if something goes wrong.",[],"article_content_text$3b5f8a0c-75ee-4917-845b-018d94a55823",{"variation":1620,"version":1621,"items":2856,"primary":2857,"id":2896,"slice_type":1632,"slice_label":9},[],{"heading":2858,"content":2859,"link_heading":1687},"Why insurance add-ons matter",[2860,2863,2868,2871,2874,2877,2884,2887,2890,2893],{"type":73,"text":2861,"spans":2862,"direction":76},"Insurance add-ons help tailor your policy to better suit your lifestyle and protection needs.",[],{"type":73,"text":2864,"spans":2865,"direction":76},"For motorists, optional add-ons may include:",[2866],{"start":159,"end":2301,"type":219,"data":2867},{"link_type":81,"url":1915,"target":1916},{"type":1645,"text":2869,"spans":2870,"direction":76},"Car hire",[],{"type":1645,"text":2872,"spans":2873,"direction":76},"Roadside assistance",[],{"type":1645,"text":2875,"spans":2876,"direction":76},"Tyre and rim cover",[],{"type":73,"text":2878,"spans":2879,"direction":76},"For homeowners, add-ons can include:",[2880],{"start":159,"end":2881,"type":219,"data":2882},14,{"link_type":81,"url":2883,"target":1916},"https://www.miway.co.za/home-insurance",{"type":1645,"text":2885,"spans":2886,"direction":76},"Lock and key replacement",[],{"type":1645,"text":2888,"spans":2889,"direction":76},"Power surge protection",[],{"type":1645,"text":2891,"spans":2892,"direction":76},"Lightning damage cover",[],{"type":73,"text":2894,"spans":2895,"direction":76},"These optional benefits provide additional peace of mind and help create a policy that works specifically for you.",[],"article_content_text$d7705fb0-3d1b-44de-9230-524437686003",{"variation":1620,"version":1621,"items":2898,"primary":2899,"id":2916,"slice_type":1632,"slice_label":9},[],{"heading":2900,"content":2901,"link_heading":1687},"There Is no one-size-fits-all insurance policy",[2902,2905,2908],{"type":73,"text":2903,"spans":2904,"direction":76},"Just as not everyone enjoys the same type of coffee, there is no single perfect insurance policy for everyone. Your insurance should evolve as your lifestyle, financial situation, and needs change over time.",[],{"type":73,"text":2906,"spans":2907,"direction":76},"Understanding your excess, reviewing your cover regularly, and selecting the right add-ons can help ensure you have insurance that truly fits your life — not just a default policy.",[],{"type":73,"text":2909,"spans":2910,"direction":76},"Choosing personalised insurance today can make all the difference tomorrow.",[2911],{"start":2912,"end":2913,"type":219,"data":2914},9,37,{"link_type":81,"url":2915,"target":1916},"https://www.miway.co.za/","article_content_text$7524931c-ebb6-49d7-8928-36509fcb1b16","Why Customising Your Insurance Matters as Much as Customising Your Coffee | Miway.co.za","Taking the time to review your cover and understand how it works can make a significant difference when you need to claim.",{"dimensions":2920,"alt":2784,"copyright":9,"url":2921,"id":2786,"edit":2922},{"width":2127,"height":2128},"https://images.prismic.io/miway-website/ajl8d1bRV8_QfvKd_car-insurance-and-coffee.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":2923,"y":32,"zoom":7,"background":33},523,{"link_type":38},[2926],{"type":73,"text":2927,"spans":2928,"direction":76},"Many South Africans spend time perfecting their daily coffee order, choosing the right blend, milk, and flavour to suit their preferences. Yet when it comes to something far more important insurance many people still rely on default cover they may not fully understand.",[],{"id":2138,"type":2139,"tags":2930,"lang":20,"slug":649,"first_publication_date":2141,"last_publication_date":2142,"uid":2143,"link_type":411,"key":2931,"isBroken":413},[],"c4c32aec-69bb-44e4-9729-188ae77fb218",[],{"dimensions":2934,"alt":2784,"copyright":9,"url":2785,"id":2786,"edit":2935},{"width":2782,"height":2783},{"x":32,"y":32,"zoom":7,"background":33},{"id":2937,"uid":2938,"url":2939,"type":1578,"href":2940,"tags":2941,"first_publication_date":2942,"last_publication_date":2943,"slugs":2944,"linked_documents":2946,"lang":20,"alternate_languages":2947,"data":2948},"Z6MruxIAACYAN1ZH","top-tips-for-finding-the-right-car-insurance-policy","/blog/top-tips-for-finding-the-right-car-insurance-policy","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=ak0IpxIAAC0AhwAs&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z6MruxIAACYAN1ZH%22%29+%5D%5D",[706,1014,642],"2025-02-05T09:13:48+0000","2026-06-03T20:18:21+0000",[2945],"comprehensive-car-insurance",[],[],{"date":2949,"heading":2950,"duration":171,"article_type":2951,"category":2954,"related_product":2958,"thumbnail":2961,"type":2969,"related_insurance":1617,"slices":2970,"meta_title":2950,"meta_description":3533,"meta_keywords":9,"meta_image":3534,"canonical":3539,"intro":3540,"author":2136,"service_block":3544,"in_this_article":3547,"hero_image":3548},"2026-06-03T20:00:00+0000","Top tips for finding the right Car Insurance Policy",{"id":1591,"type":1356,"tags":2952,"lang":20,"slug":1594,"first_publication_date":1595,"last_publication_date":1596,"uid":1594,"url":1360,"link_type":411,"key":2953,"isBroken":413},[1593],"422c00ff-1ad9-4153-a71c-d660371a3129",{"id":1599,"type":1600,"tags":2955,"lang":20,"slug":1602,"first_publication_date":1603,"last_publication_date":1603,"uid":1602,"url":1360,"data":2956,"link_type":411,"key":2957,"isBroken":413},[],{"name":698},"d0cabfce-d614-45ce-b3e9-d91a88ec4161",{"id":644,"type":533,"tags":2959,"lang":20,"slug":646,"first_publication_date":647,"last_publication_date":648,"uid":649,"url":650,"link_type":411,"key":2960,"isBroken":413},[537],"faf27772-7e1b-448f-a986-d6665e1b34bb",{"dimensions":2962,"alt":2965,"copyright":9,"url":2966,"id":2967,"edit":2968},{"width":2963,"height":2964},1152,404,"Person in car making thumbs up gesture","https://images.prismic.io/miway-website/Z6MqpJbqstJ9-PWc_TopTipsForFindingTheRightCarInsurancePolicy.jpeg?auto=format,compress","Z6MqpJbqstJ9-PWc",{"x":32,"y":32,"zoom":7,"background":33},"Video",[2971,2985,3006,3025,3099,3147,3186,3224,3260,3290,3316,3346,3382,3412,3445,3513],{"variation":1620,"version":1621,"items":2972,"primary":2973,"id":2984,"slice_type":1632,"slice_label":9},[],{"heading":9,"content":2974,"link_heading":413},[2975,2978,2981],{"type":73,"text":2976,"spans":2977,"direction":76},"But the right car insurance policy should do more than simply fit your budget. It should also give you confidence that you’re protected when life doesn’t go according to plan.",[],{"type":73,"text":2979,"spans":2980,"direction":76},"From accident damage and theft to roadside emergencies and claims support, understanding what you’re paying for can help you make a smarter insurance decision.",[],{"type":73,"text":2982,"spans":2983,"direction":76},"In this guide, we’ll share practical tips for finding the right car insurance policy in South Africa and explain what to look for before signing up.",[],"article_content_text$0bd7b83e-5401-46db-84a5-f653eae5b214",{"variation":1620,"version":1621,"items":2986,"primary":2987,"id":3005,"slice_type":1632,"slice_label":9},[],{"heading":2988,"content":2989,"link_heading":1687},"Why choosing the right car insurance matters",[2990,2993,2996,2999,3002],{"type":73,"text":2991,"spans":2992,"direction":76},"South African drivers face a range of risks every day, including accidents, hijackings, theft, hail damage and rising vehicle repair costs.",[],{"type":73,"text":2994,"spans":2995,"direction":76},"According to the South African Police Service (SAPS), vehicle theft and hijacking remain ongoing concerns across the country, while increasing repair costs continue to affect motorists financially.",[],{"type":73,"text":2997,"spans":2998,"direction":76},"The right insurance policy can help reduce the financial pressure that often follows unexpected events.",[],{"type":73,"text":3000,"spans":3001,"direction":76},"However, not all policies offer the same level of protection.",[],{"type":73,"text":3003,"spans":3004,"direction":76},"That’s why comparing policies properly matters.",[],"article_content_text$8327dfe2-19bf-4326-9409-23a1a0e7c791",{"variation":1620,"version":1621,"items":3007,"primary":3008,"id":3023,"slice_type":3024,"slice_label":9},[],{"description_text":3009,"embed_link":3010},"4 Reasons you need Car Insurance",{"embed_url":3011,"type":3012,"version":3013,"title":3014,"author_name":3015,"author_url":3016,"provider_name":349,"provider_url":3017,"thumbnail_url":3018,"thumbnail_width":3019,"thumbnail_height":3020,"html":3021,"height":3022,"width":2178},"https://www.youtube.com/watch?v=J2mxitXS0dI&embeds_referring_euri=https%3A%2F%2Fmiway.co.za%2F&source_ve_path=OTY3MTQ","video","1.0","4 Reasons You Need Car Insurance","Miway Insurance","https://www.youtube.com/@miwayinsurance","https://www.youtube.com/","https://i.ytimg.com/vi/J2mxitXS0dI/hqdefault.jpg",480,360,"\u003Ciframe width=\"200\" height=\"113\" src=\"https://www.youtube.com/embed/J2mxitXS0dI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen title=\"4 Reasons You Need Car Insurance\">\u003C/iframe>",113,"article_youtube_embed$7ff7ebf4-c0e0-4ef8-801b-9eba87ccfa7f","article_youtube_embed",{"variation":1620,"version":1621,"items":3026,"primary":3027,"id":3098,"slice_type":1632,"slice_label":9},[],{"heading":3028,"content":3029,"link_heading":1687},"1. Understand the different types of car insurance",[3030,3033,3037,3044,3047,3049,3051,3053,3056,3058,3061,3064,3067,3070,3073,3076,3079,3082,3085,3088,3091],{"type":73,"text":3031,"spans":3032,"direction":76},"One of the first things to understand is the difference between cover types.",[],{"type":3034,"text":3035,"spans":3036,"direction":76},"heading3","Comprehensive Car Insurance",[],{"type":73,"text":3038,"spans":3039,"direction":76},"Drivers looking for broader protection can explore comprehensive car insurance options that may include accidental damage, theft, fire and weather-related incidents.",[3040],{"start":3041,"end":3042,"type":219,"data":3043},51,78,{"link_type":81,"url":1915,"target":1916},{"type":73,"text":3045,"spans":3046,"direction":76},"Depending on your policy, this may include:",[],{"type":1645,"text":1918,"spans":3048,"direction":76},[],{"type":1645,"text":1921,"spans":3050,"direction":76},[],{"type":1645,"text":1924,"spans":3052,"direction":76},[],{"type":1645,"text":3054,"spans":3055,"direction":76},"Hail and weather-related damage",[],{"type":1645,"text":1930,"spans":3057,"direction":76},[],{"type":1645,"text":3059,"spans":3060,"direction":76},"Certain emergency assistance benefits",[],{"type":73,"text":3062,"spans":3063,"direction":76},"Comprehensive cover is often chosen by drivers who want wider financial protection.",[],{"type":3034,"text":3065,"spans":3066,"direction":76},"Third-Party, Fire and Theft Cover",[],{"type":73,"text":3068,"spans":3069,"direction":76},"This type of policy may cover:",[],{"type":1645,"text":3071,"spans":3072,"direction":76},"Damage caused to other vehicles",[],{"type":1645,"text":3074,"spans":3075,"direction":76},"Theft of your vehicle",[],{"type":1645,"text":3077,"spans":3078,"direction":76},"Fire-related damage",[],{"type":73,"text":3080,"spans":3081,"direction":76},"However, it may not cover accidental damage to your own vehicle.",[],{"type":3034,"text":3083,"spans":3084,"direction":76},"Third-Party Only Insurance",[],{"type":73,"text":3086,"spans":3087,"direction":76},"Third-party insurance is generally the most basic level of cover.",[],{"type":73,"text":3089,"spans":3090,"direction":76},"It usually covers damage you cause to another person’s vehicle or property but does not cover damage to your own vehicle.",[],{"type":73,"text":3092,"spans":3093,"direction":76},"You can read more about third-party insurance and how it compares to comprehensive cover.",[3094],{"start":3095,"end":2084,"type":219,"data":3096},24,{"link_type":81,"url":3097,"target":1916},"https://www.miway.co.za/blog/understanding-third-party-insurance","article_content_text$3cc929a9-ca53-4693-9831-a38c3ba2f219",{"variation":1620,"version":1621,"items":3100,"primary":3101,"id":3146,"slice_type":1632,"slice_label":9},[],{"heading":3102,"content":3103,"link_heading":1687},"2. Don’t focus only on price",[3104,3107,3110,3113,3116,3119,3122,3125,3128,3131,3134,3137,3140,3143],{"type":73,"text":3105,"spans":3106,"direction":76},"Choosing the cheapest premium may seem appealing, but lower monthly costs do not always mean better value.",[],{"type":73,"text":3108,"spans":3109,"direction":76},"Some lower-cost policies may include:",[],{"type":1645,"text":3111,"spans":3112,"direction":76},"Higher excess payments",[],{"type":1645,"text":3114,"spans":3115,"direction":76},"Limited benefits",[],{"type":1645,"text":3117,"spans":3118,"direction":76},"Restricted claims support",[],{"type":1645,"text":3120,"spans":3121,"direction":76},"Fewer emergency services",[],{"type":1645,"text":3123,"spans":3124,"direction":76},"More exclusions",[],{"type":73,"text":3126,"spans":3127,"direction":76},"Instead of focusing only on cost, ask:",[],{"type":1645,"text":3129,"spans":3130,"direction":76},"What does the policy actually cover?",[],{"type":1645,"text":3132,"spans":3133,"direction":76},"What excess applies?",[],{"type":1645,"text":3135,"spans":3136,"direction":76},"Are roadside assistance services included?",[],{"type":1645,"text":3138,"spans":3139,"direction":76},"What happens during a claim?",[],{"type":1645,"text":3141,"spans":3142,"direction":76},"Are there waiting periods or restrictions?",[],{"type":73,"text":3144,"spans":3145,"direction":76},"A slightly higher premium may provide stronger overall protection when you need it most.",[],"article_content_text$fd9b667f-3b3e-4afa-ad5c-a018d993f933",{"variation":1620,"version":1621,"items":3148,"primary":3149,"id":3185,"slice_type":1632,"slice_label":9},[],{"heading":3150,"content":3151,"link_heading":1687},"3. Compare excess carefully",[3152,3155,3158,3161,3164,3167,3170,3173,3176,3179,3182],{"type":73,"text":3153,"spans":3154,"direction":76},"Excess is the amount you pay towards a claim before your insurer covers the remaining approved costs.",[],{"type":73,"text":3156,"spans":3157,"direction":76},"In many cases:",[],{"type":1645,"text":3159,"spans":3160,"direction":76},"Higher excess = lower premium",[],{"type":1645,"text":3162,"spans":3163,"direction":76},"Lower excess = higher premium",[],{"type":73,"text":3165,"spans":3166,"direction":76},"Before choosing a policy, make sure the excess amount is realistic for your financial situation.",[],{"type":73,"text":3168,"spans":3169,"direction":76},"Some policies may also include:",[],{"type":1645,"text":3171,"spans":3172,"direction":76},"Additional driver excesses",[],{"type":1645,"text":3174,"spans":3175,"direction":76},"Young driver excesses",[],{"type":1645,"text":3177,"spans":3178,"direction":76},"Theft excesses",[],{"type":1645,"text":3180,"spans":3181,"direction":76},"Percentage-based excesses",[],{"type":73,"text":3183,"spans":3184,"direction":76},"Always review the policy wording carefully.",[],"article_content_text$c9b2b175-1121-4097-856f-45a9a8714620",{"variation":1620,"version":1621,"items":3187,"primary":3188,"id":3223,"slice_type":1632,"slice_label":9},[],{"heading":3189,"content":3190,"link_heading":1687},"4. Look beyond the basic benefits",[3191,3194,3197,3199,3202,3205,3208,3211,3214,3217,3220],{"type":73,"text":3192,"spans":3193,"direction":76},"Good insurance is about more than accident cover alone.",[],{"type":73,"text":3195,"spans":3196,"direction":76},"Additional benefits may include:",[],{"type":1645,"text":2872,"spans":3198,"direction":76},[],{"type":1645,"text":3200,"spans":3201,"direction":76},"Emergency towing",[],{"type":1645,"text":3203,"spans":3204,"direction":76},"Car hire options",[],{"type":1645,"text":3206,"spans":3207,"direction":76},"Windscreen cover",[],{"type":1645,"text":3209,"spans":3210,"direction":76},"SASRIA cover",[],{"type":1645,"text":3212,"spans":3213,"direction":76},"Online claims tracking",[],{"type":1645,"text":3215,"spans":3216,"direction":76},"Emergency medical support",[],{"type":73,"text":3218,"spans":3219,"direction":76},"These extras can make a significant difference during stressful situations.",[],{"type":73,"text":3221,"spans":3222,"direction":76},"If you travel regularly or drive long distances, roadside support can be especially valuable.",[],"article_content_text$03941ea9-32e9-4b0f-8898-9ac51da338b1",{"variation":1620,"version":1621,"items":3225,"primary":3226,"id":3259,"slice_type":1632,"slice_label":9},[],{"heading":3227,"content":3228,"link_heading":1687},"5. Understand the claims process",[3229,3232,3235,3238,3241,3244,3247,3250,3253],{"type":73,"text":3230,"spans":3231,"direction":76},"One of the most important things to evaluate is how an insurer handles claims.",[],{"type":73,"text":3233,"spans":3234,"direction":76},"A policy may look affordable upfront, but a complicated claims process can create frustration later.",[],{"type":73,"text":3236,"spans":3237,"direction":76},"Before choosing a policy, consider:",[],{"type":1645,"text":3239,"spans":3240,"direction":76},"How claims are submitted",[],{"type":1645,"text":3242,"spans":3243,"direction":76},"How quickly claims are processed",[],{"type":1645,"text":3245,"spans":3246,"direction":76},"Whether digital claims are available",[],{"type":1645,"text":3248,"spans":3249,"direction":76},"What documents are required",[],{"type":1645,"text":3251,"spans":3252,"direction":76},"How repair approvals work",[],{"type":73,"text":3254,"spans":3255,"direction":76},"You can also learn more about how to submit a claim after an accident or vehicle-related incident.",[3256],{"start":2913,"end":3041,"type":219,"data":3257},{"link_type":81,"url":3258,"target":1916},"https://www.miway.co.za/blog/claiming-from-insurance","article_content_text$cf11d444-3233-404d-b8e3-75631cf25707",{"variation":1620,"version":1621,"items":3261,"primary":3262,"id":3289,"slice_type":1632,"slice_label":9},[],{"heading":3263,"content":3264,"link_heading":1687},"6. Check the Insurer’s reputation",[3265,3268,3271,3274,3277,3280,3283,3286],{"type":73,"text":3266,"spans":3267,"direction":76},"Reviews, ratings and customer experiences can provide useful insight into how insurers handle service and claims support.",[],{"type":73,"text":3269,"spans":3270,"direction":76},"Look for insurers with:",[],{"type":1645,"text":3272,"spans":3273,"direction":76},"Strong customer support",[],{"type":1645,"text":3275,"spans":3276,"direction":76},"Transparent policy wording",[],{"type":1645,"text":3278,"spans":3279,"direction":76},"Efficient claims handling",[],{"type":1645,"text":3281,"spans":3282,"direction":76},"Reliable emergency assistance",[],{"type":1645,"text":3284,"spans":3285,"direction":76},"Good communication during claims",[],{"type":73,"text":3287,"spans":3288,"direction":76},"Trust and consistency matter, especially during emergencies.",[],"article_content_text$1f04d3f3-34ce-4b2e-8847-a8d4917d0847",{"variation":1620,"version":1621,"items":3291,"primary":3292,"id":3315,"slice_type":1632,"slice_label":9},[],{"heading":3293,"content":3294,"link_heading":1687},"7. Think about your driving habits",[3295,3298,3300,3303,3306,3309,3312],{"type":73,"text":3296,"spans":3297,"direction":76},"Your lifestyle and driving patterns should influence the type of cover you choose.",[],{"type":73,"text":1731,"spans":3299,"direction":76},[],{"type":1645,"text":3301,"spans":3302,"direction":76},"Daily commuters may want broader cover",[],{"type":1645,"text":3304,"spans":3305,"direction":76},"Occasional drivers may prioritise affordability",[],{"type":1645,"text":3307,"spans":3308,"direction":76},"Families may value roadside assistance",[],{"type":1645,"text":3310,"spans":3311,"direction":76},"High-mileage drivers may want stronger accident protection",[],{"type":73,"text":3313,"spans":3314,"direction":76},"Choosing cover that suits your actual driving habits can help you avoid paying for unnecessary features while still maintaining important protection.",[],"article_content_text$807365d3-33f4-437e-acd9-5cdc88655e55",{"variation":1620,"version":1621,"items":3317,"primary":3318,"id":3345,"slice_type":1632,"slice_label":9},[],{"heading":3319,"content":3320,"link_heading":1687},"8. Review your cover regularly",[3321,3324,3327,3330,3333,3336,3339,3342],{"type":73,"text":3322,"spans":3323,"direction":76},"Your insurance needs may change over time.",[],{"type":73,"text":3325,"spans":3326,"direction":76},"Factors that may affect your cover include:",[],{"type":1645,"text":3328,"spans":3329,"direction":76},"Buying a new vehicle",[],{"type":1645,"text":3331,"spans":3332,"direction":76},"Moving to a new area",[],{"type":1645,"text":3334,"spans":3335,"direction":76},"Lifestyle changes",[],{"type":1645,"text":3337,"spans":3338,"direction":76},"Increased vehicle usage",[],{"type":1645,"text":3340,"spans":3341,"direction":76},"Vehicle modifications",[],{"type":73,"text":3343,"spans":3344,"direction":76},"Reviewing your policy regularly helps ensure your cover still matches your needs.",[],"article_content_text$dab464ed-94cd-4a0a-9270-3765a1bbbdc4",{"variation":1620,"version":1621,"items":3347,"primary":3348,"id":3381,"slice_type":1632,"slice_label":9},[],{"heading":3349,"content":3350,"link_heading":1687},"9. Make sure your vehicle information is accurate",[3351,3354,3357,3360,3363,3366,3369,3372,3375,3378],{"type":73,"text":3352,"spans":3353,"direction":76},"Incorrect vehicle information can create problems during claims.",[],{"type":73,"text":3355,"spans":3356,"direction":76},"When applying for cover, ensure details such as:",[],{"type":1645,"text":3358,"spans":3359,"direction":76},"Vehicle model",[],{"type":1645,"text":3361,"spans":3362,"direction":76},"Year",[],{"type":1645,"text":3364,"spans":3365,"direction":76},"Mileage",[],{"type":1645,"text":3367,"spans":3368,"direction":76},"Driver information",[],{"type":1645,"text":3370,"spans":3371,"direction":76},"Security features",[],{"type":1645,"text":3373,"spans":3374,"direction":76},"Parking arrangements",[],{"type":73,"text":3376,"spans":3377,"direction":76},"are all accurate and updated.",[],{"type":73,"text":3379,"spans":3380,"direction":76},"Providing incomplete or incorrect information could affect claim outcomes.",[],"article_content_text$0036d2a9-8a56-4e39-a42c-eac7ae57f449",{"variation":1620,"version":1621,"items":3383,"primary":3384,"id":3411,"slice_type":1632,"slice_label":9},[],{"heading":3385,"content":3386,"link_heading":1687},"10. Consider the full value of the policy",[3387,3390,3393,3396,3399,3402,3405,3408],{"type":73,"text":3388,"spans":3389,"direction":76},"The right policy is not always the cheapest or the most expensive.",[],{"type":73,"text":3391,"spans":3392,"direction":76},"The goal is finding balanced cover that offers:",[],{"type":1645,"text":3394,"spans":3395,"direction":76},"Financial protection",[],{"type":1645,"text":3397,"spans":3398,"direction":76},"Reliable support",[],{"type":1645,"text":3400,"spans":3401,"direction":76},"Practical benefits",[],{"type":1645,"text":3403,"spans":3404,"direction":76},"Affordable premiums",[],{"type":1645,"text":3406,"spans":3407,"direction":76},"A manageable excess structure",[],{"type":73,"text":3409,"spans":3410,"direction":76},"The best insurance policy is one that supports you properly when you actually need help.",[],"article_content_text$882b537d-ca95-42a1-81a3-cc7c368f7468",{"variation":1620,"version":1621,"items":3413,"primary":3414,"id":3444,"slice_type":1632,"slice_label":9},[],{"heading":3415,"content":3416,"link_heading":1687},"Common mistakes people make when choosing car insurance",[3417,3420,3423,3426,3429,3432,3435,3438,3441],{"type":73,"text":3418,"spans":3419,"direction":76},"Many drivers unintentionally choose policies that don’t fully suit their needs.",[],{"type":73,"text":3421,"spans":3422,"direction":76},"Common mistakes include:",[],{"type":1645,"text":3424,"spans":3425,"direction":76},"Choosing cover based only on price",[],{"type":1645,"text":3427,"spans":3428,"direction":76},"Ignoring excess amounts",[],{"type":1645,"text":3430,"spans":3431,"direction":76},"Not understanding exclusions",[],{"type":1645,"text":3433,"spans":3434,"direction":76},"Overlooking roadside assistance benefits",[],{"type":1645,"text":3436,"spans":3437,"direction":76},"Failing to update policy information",[],{"type":1645,"text":3439,"spans":3440,"direction":76},"Not reviewing cover regularly",[],{"type":73,"text":3442,"spans":3443,"direction":76},"Taking time to compare policies properly can help you avoid these problems later.",[],"article_content_text$03ca3504-0973-48a0-b6ed-718624707ba9",{"variation":1620,"version":1621,"items":3446,"primary":3447,"id":3512,"slice_type":1632,"slice_label":9},[],{"heading":2047,"content":3448,"link_heading":1687},[3449,3452,3455,3458,3463,3466,3469,3476,3479,3482,3485,3488,3491,3494,3497,3500,3503,3506,3509],{"type":3034,"text":3450,"spans":3451,"direction":76},"What is the best type of car insurance?",[],{"type":73,"text":3453,"spans":3454,"direction":76},"The best type of insurance depends on your budget, vehicle value, driving habits and level of financial protection you want.",[],{"type":3034,"text":3456,"spans":3457,"direction":76},"Is comprehensive car insurance worth it?",[],{"type":73,"text":3459,"spans":3460,"direction":76},"Many drivers choose comprehensive car insurance because it may provide broader protection against accidents, theft, fire and weather-related damage.",[3461],{"start":8,"end":2097,"type":219,"data":3462},{"link_type":81,"url":1915,"target":1916},{"type":3034,"text":3464,"spans":3465,"direction":76},"How can I lower my car insurance premium?",[],{"type":73,"text":3467,"spans":3468,"direction":76},"Factors such as higher excess choices, safe driving habits, vehicle security and accurate policy information may help reduce premiums.",[],{"type":3034,"text":3470,"spans":3471,"direction":76},"What should I compare when getting insurance quotes?",[3472],{"start":3473,"end":3041,"type":219,"data":3474},35,{"link_type":81,"url":3475,"target":1916},"https://www.miway.co.za/car-insurance-quotes",{"type":73,"text":3477,"spans":3478,"direction":76},"Compare:",[],{"type":1645,"text":3480,"spans":3481,"direction":76},"Cover types",[],{"type":1645,"text":3483,"spans":3484,"direction":76},"Excess amounts",[],{"type":1645,"text":3486,"spans":3487,"direction":76},"Benefits",[],{"type":1645,"text":3489,"spans":3490,"direction":76},"Claims support",[],{"type":1645,"text":3492,"spans":3493,"direction":76},"Exclusions",[],{"type":1645,"text":3495,"spans":3496,"direction":76},"Emergency services",[],{"type":1645,"text":3498,"spans":3499,"direction":76},"Monthly premium costs",[],{"type":3034,"text":3501,"spans":3502,"direction":76},"Does cheap car insurance always save money?",[],{"type":73,"text":3504,"spans":3505,"direction":76},"Not necessarily. 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It should provide confidence, support and protection when unexpected situations happen.",[],{"type":73,"text":3522,"spans":3523,"direction":76},"Taking time to compare policies carefully, understand your cover and evaluate benefits properly can help you make a more informed decision.",[],{"type":73,"text":3525,"spans":3526,"direction":76},"You can explore flexible car insurance options designed to suit different budgets and driving needs.",[3527],{"start":2118,"end":2119,"type":219,"data":3528},{"link_type":81,"url":1915,"target":1916},{"type":73,"text":3530,"spans":3531,"direction":76},"Before choosing a policy, review the details carefully and make sure your cover supports the way you drive and live.",[],"article_content_text$fa8f68d8-95ac-45cb-a523-7de6ccdb3ff0","Shopping around for insurance can be tedious. After all, many of us are always looking to save a few extra rands without it necessarily leaving a negative impact.",{"dimensions":3535,"alt":2965,"copyright":9,"url":3536,"id":2967,"edit":3537},{"width":2127,"height":2128},"https://images.prismic.io/miway-website/Z6MqpJbqstJ9-PWc_TopTipsForFindingTheRightCarInsurancePolicy.jpeg?auto=format,compress&rect=191,0,770,404&w=2400&h=1260",{"x":3538,"y":32,"zoom":7,"background":33},191,{"link_type":38},[3541],{"type":73,"text":3542,"spans":3543,"direction":76},"Choosing the right car insurance policy can feel overwhelming. With so many insurers, cover options and pricing structures available, it’s easy to focus only on finding the cheapest quote.",[],{"id":2138,"type":2139,"tags":3545,"lang":20,"slug":649,"first_publication_date":2141,"last_publication_date":2142,"uid":2143,"link_type":411,"key":3546,"isBroken":413},[],"3320e0d5-c51f-44d2-9e2d-225d83541f55",[],{"dimensions":3549,"alt":2965,"copyright":9,"url":2966,"id":2967,"edit":3550},{"width":2963,"height":2964},{"x":32,"y":32,"zoom":7,"background":33},{"id":3552,"uid":3553,"url":3554,"type":1578,"href":3555,"tags":3556,"first_publication_date":3557,"last_publication_date":3558,"slugs":3559,"linked_documents":3561,"lang":20,"alternate_languages":3562,"data":3563},"Z5nRtBAAACAA1ZXg","six-most-stolen-car-accessories-and-how-to-protect-yours","/blog/six-most-stolen-car-accessories-and-how-to-protect-yours","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=ak0IpxIAAC0AhwAs&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z5nRtBAAACAA1ZXg%22%29+%5D%5D",[706,1014,976],"2025-01-29T06:59:03+0000","2026-06-03T20:16:52+0000",[3560],"how-to-protect-your-wheels-and-tyres",[],[],{"date":3564,"heading":3565,"duration":126,"article_type":3566,"category":3569,"related_product":3573,"thumbnail":3576,"type":1616,"related_insurance":1617,"slices":3584,"meta_title":3565,"meta_description":3968,"meta_keywords":2124,"meta_image":3969,"canonical":3974,"intro":3975,"author":2136,"service_block":3979,"in_this_article":3982,"hero_image":3983},"2026-06-03T19:56:00+0000","Six most stolen car accessories and how to protect yours",{"id":1355,"type":1356,"tags":3567,"lang":20,"slug":1358,"first_publication_date":1359,"last_publication_date":1359,"uid":1358,"url":1360,"link_type":411,"key":3568,"isBroken":413},[],"97a7f77c-f825-428b-9b09-cdc7c26b3c02",{"id":1599,"type":1600,"tags":3570,"lang":20,"slug":1602,"first_publication_date":1603,"last_publication_date":1603,"uid":1602,"url":1360,"data":3571,"link_type":411,"key":3572,"isBroken":413},[],{"name":698},"73f382f7-1a4e-4760-ba75-4d67be6a1d00",{"id":644,"type":533,"tags":3574,"lang":20,"slug":646,"first_publication_date":647,"last_publication_date":648,"uid":649,"url":650,"link_type":411,"key":3575,"isBroken":413},[537],"df0545f9-9683-4919-96f4-a69dd95e39de",{"dimensions":3577,"alt":3580,"copyright":9,"url":3581,"id":3582,"edit":3583},{"width":3578,"height":3579},1153,321,"Green car with alloy rims","https://images.prismic.io/miway-website/Z5nRI5bqstJ99-V8_SixMostStolenCarAccessoriesAndHowToProtectYours.jpeg?auto=format,compress","Z5nRI5bqstJ99-V8",{"x":32,"y":32,"zoom":7,"background":33},[3585,3605,3645,3683,3729,3763,3799,3828,3862,3897,3914,3932],{"variation":1620,"version":1621,"items":3586,"primary":3587,"id":3604,"slice_type":1632,"slice_label":9},[],{"heading":9,"content":3588,"link_heading":413},[3589,3592,3598,3601],{"type":73,"text":3590,"spans":3591,"direction":76},"From alloy wheels and batteries to mirrors and infotainment systems, stolen car accessories can leave drivers with expensive repair bills and unnecessary stress.",[],{"type":73,"text":3593,"spans":3594,"direction":76},"According to Tracker South Africa, opportunistic vehicle-part theft and organised theft syndicates continue to affect motorists across several regions of the country. Criminals often target parts that are difficult to trace and in constant demand on the black market.",[3595],{"start":2301,"end":1027,"type":219,"data":3596},{"link_type":81,"url":3597,"target":138},"https://www.tracker.co.za/",{"type":73,"text":3599,"spans":3600,"direction":76},"The good news is that there are practical ways to reduce the risk.",[],{"type":73,"text":3602,"spans":3603,"direction":76},"Here are six of the most commonly stolen car accessories in South Africa and how drivers can help protect them.",[],"article_content_text$257deb22-1c41-41e0-a11c-9a0d7b95662a",{"variation":1620,"version":1621,"items":3606,"primary":3607,"id":3644,"slice_type":1632,"slice_label":9},[],{"heading":3608,"content":3609,"link_heading":1687},"1. Alloy Wheels and Tyres",[3610,3613,3616,3619,3622,3625,3628,3631,3634,3637],{"type":73,"text":3611,"spans":3612,"direction":76},"Mag wheels and tyres remain among the most frequently stolen vehicle accessories because they are valuable and relatively easy to remove.",[],{"type":73,"text":3614,"spans":3615,"direction":76},"Vehicles parked overnight on pavements, in poorly lit areas or in open parking lots are often more vulnerable.",[],{"type":3034,"text":3617,"spans":3618,"direction":76},"How to protect your wheels and tyres",[],{"type":1645,"text":3620,"spans":3621,"direction":76},"Install wheel lock nuts",[],{"type":1645,"text":3623,"spans":3624,"direction":76},"Park in secure or monitored areas",[],{"type":1645,"text":3626,"spans":3627,"direction":76},"Avoid isolated parking spaces",[],{"type":1645,"text":3629,"spans":3630,"direction":76},"Use security cameras where possible",[],{"type":1645,"text":3632,"spans":3633,"direction":76},"Turn wheels toward the curb when parking",[],{"type":73,"text":3635,"spans":3636,"direction":76},"If your wheels or tyres are stolen, replacement costs can escalate quickly, especially on newer vehicles with premium rims.",[],{"type":73,"text":3638,"spans":3639,"direction":76},"Drivers reviewing their cover should understand how a car insurance excess may affect theft-related claims.",[3640],{"start":3641,"end":2437,"type":219,"data":3642},54,{"link_type":81,"url":3643,"target":1916},"https://www.miway.co.za/blog/car-insurance-excess-explained","article_content_text$13af1a87-945a-49ad-978f-de27a3c30904",{"variation":1620,"version":1621,"items":3646,"primary":3647,"id":3682,"slice_type":1632,"slice_label":9},[],{"heading":3648,"content":3649,"link_heading":1687},"2. Vehicle Batteries",[3650,3653,3656,3659,3662,3665,3668,3671,3674,3677],{"type":73,"text":3651,"spans":3652,"direction":76},"Car batteries are another common target because they can be removed and resold easily.",[],{"type":73,"text":3654,"spans":3655,"direction":76},"Commercial vehicles and older vehicles are often more vulnerable because battery access may be easier.",[],{"type":3034,"text":3657,"spans":3658,"direction":76},"How to protect your battery",[],{"type":1645,"text":3660,"spans":3661,"direction":76},"Reinforce battery brackets",[],{"type":1645,"text":3663,"spans":3664,"direction":76},"Ensure bonnet locks work properly",[],{"type":1645,"text":3666,"spans":3667,"direction":76},"Park in visible areas",[],{"type":1645,"text":3669,"spans":3670,"direction":76},"Install alarm systems",[],{"type":1645,"text":3672,"spans":3673,"direction":76},"Avoid leaving vehicles unattended for long periods",[],{"type":73,"text":3675,"spans":3676,"direction":76},"Battery theft can leave drivers stranded unexpectedly, especially during long-distance travel or cold winter mornings.",[],{"type":73,"text":3678,"spans":3679,"direction":76},"Regular vehicle maintenance checks may also help identify tampering or suspicious damage early.",[3680],{"start":2501,"end":2502,"type":219,"data":3681},{"link_type":81,"url":2504,"target":1916},"article_content_text$a9df2dcc-5707-4c6e-be03-f11010dd5570",{"variation":1620,"version":1621,"items":3684,"primary":3685,"id":3728,"slice_type":1632,"slice_label":9},[],{"heading":3686,"content":3687,"link_heading":1687},"3. Side Mirrors",[3688,3691,3694,3697,3700,3703,3706,3709,3712,3715,3718,3721],{"type":73,"text":3689,"spans":3690,"direction":76},"Modern side mirrors are no longer simple accessories. Many now include:",[],{"type":73,"text":3692,"spans":3693,"direction":76},"·       Cameras",[],{"type":73,"text":3695,"spans":3696,"direction":76},"·       Blind-spot sensors",[],{"type":73,"text":3698,"spans":3699,"direction":76},"·       Heating elements",[],{"type":73,"text":3701,"spans":3702,"direction":76},"·       Electronic folding systems",[],{"type":73,"text":3704,"spans":3705,"direction":76},"This makes them expensive to replace and attractive to thieves.",[],{"type":3034,"text":3707,"spans":3708,"direction":76},"How to protect your mirrors",[],{"type":1645,"text":3710,"spans":3711,"direction":76},"Fold mirrors inward where possible",[],{"type":1645,"text":3713,"spans":3714,"direction":76},"Park in secure areas",[],{"type":1645,"text":3716,"spans":3717,"direction":76},"Avoid overnight street parking",[],{"type":1645,"text":3719,"spans":3720,"direction":76},"Stay alert in theft hotspot areas",[],{"type":73,"text":3722,"spans":3723,"direction":76},"Reports published by IOL Motoring continue to highlight how replacement costs for modern vehicle components are increasing significantly.",[3724],{"start":3725,"end":1027,"type":219,"data":3726},21,{"link_type":81,"url":3727,"target":138},"https://www.iol.co.za/motoring","article_content_text$d7e1a215-7a47-4f7d-98ae-dcfd900d8e05",{"variation":1620,"version":1621,"items":3730,"primary":3731,"id":3762,"slice_type":1632,"slice_label":9},[],{"heading":3732,"content":3733,"link_heading":1687},"4. Headlights and Tail Lights",[3734,3737,3740,3743,3746,3749,3751,3754,3757],{"type":73,"text":3735,"spans":3736,"direction":76},"LED and adaptive headlights are increasingly targeted because of their high resale value.",[],{"type":73,"text":3738,"spans":3739,"direction":76},"Some criminals specifically target newer vehicle models because these lighting systems are expensive and easier to resell individually.",[],{"type":3034,"text":3741,"spans":3742,"direction":76},"How to reduce risk",[],{"type":1645,"text":3744,"spans":3745,"direction":76},"Park in monitored areas",[],{"type":1645,"text":3747,"spans":3748,"direction":76},"Use secure parking garages",[],{"type":1645,"text":3669,"spans":3750,"direction":76},[],{"type":1645,"text":3752,"spans":3753,"direction":76},"Avoid leaving vehicles overnight in isolated locations",[],{"type":73,"text":3755,"spans":3756,"direction":76},"Drivers often underestimate how expensive modern lighting systems can be until replacement quotes arrive.",[],{"type":73,"text":3758,"spans":3759,"direction":76},"Reviewing your car insurance benefits regularly may help you better understand what theft-related protection your policy includes.",[3760],{"start":879,"end":2913,"type":219,"data":3761},{"link_type":81,"url":1915,"target":1916},"article_content_text$bf6a6d33-cb3f-4d42-840e-d6f2ab4fe4c1",{"variation":1620,"version":1621,"items":3764,"primary":3765,"id":3798,"slice_type":1632,"slice_label":9},[],{"heading":3766,"content":3767,"link_heading":1687},"5. Sound Systems and Infotainment Units",[3768,3771,3774,3777,3780,3783,3786,3789,3792],{"type":73,"text":3769,"spans":3770,"direction":76},"Touchscreen infotainment systems, amplifiers and navigation units remain attractive targets because they are valuable and portable.",[],{"type":73,"text":3772,"spans":3773,"direction":76},"Visible accessories often increase the likelihood of a break-in.",[],{"type":3034,"text":3775,"spans":3776,"direction":76},"How to protect your sound system",[],{"type":1645,"text":3778,"spans":3779,"direction":76},"Do not leave valuables visible",[],{"type":1645,"text":3781,"spans":3782,"direction":76},"Keep windows fully closed",[],{"type":1645,"text":3784,"spans":3785,"direction":76},"Use secure parking",[],{"type":1645,"text":3787,"spans":3788,"direction":76},"Avoid displaying expensive aftermarket upgrades openly",[],{"type":73,"text":3790,"spans":3791,"direction":76},"Criminals often look for quick opportunities, especially in shopping centre parking areas and public spaces.",[],{"type":73,"text":3793,"spans":3794,"direction":76},"According to the South African Police Service, opportunistic theft remains one of the biggest contributors to vehicle break-ins in urban areas.",[3795],{"start":3796,"end":2084,"type":219,"data":3797},17,{"link_type":81,"url":2381,"target":138},"article_content_text$b842abd8-111f-4f71-ac16-fe9a06afb678",{"variation":1620,"version":1621,"items":3800,"primary":3801,"id":3827,"slice_type":1632,"slice_label":9},[],{"heading":3802,"content":3803,"link_heading":1687},"6. Number Plates and Vehicle Badges",[3804,3807,3810,3813,3816,3819,3822],{"type":73,"text":3805,"spans":3806,"direction":76},"Number plates are sometimes stolen for use in cloned vehicle crimes, while badges are frequently stolen and resold online.",[],{"type":3034,"text":3808,"spans":3809,"direction":76},"How to protect your number plates",[],{"type":1645,"text":3811,"spans":3812,"direction":76},"Use anti-theft screws",[],{"type":1645,"text":3814,"spans":3815,"direction":76},"Check plates regularly",[],{"type":1645,"text":3817,"spans":3818,"direction":76},"Replace stolen plates immediately",[],{"type":1645,"text":3820,"spans":3821,"direction":76},"Report theft to authorities as soon as possible",[],{"type":73,"text":3823,"spans":3824,"direction":76},"The South African Police Service encourages motorists to report stolen number plates quickly to reduce the risk of criminal misuse.",[3825],{"start":159,"end":723,"type":219,"data":3826},{"link_type":81,"url":2381,"target":138},"article_content_text$803443cc-75f1-4b32-816e-06ba443651ed",{"variation":1620,"version":1621,"items":3829,"primary":3830,"id":3861,"slice_type":1632,"slice_label":9},[],{"heading":3831,"content":3832,"link_heading":1687},"Why accessory theft Is becoming more expensive",[3833,3836,3839,3842,3845,3848,3851,3854],{"type":73,"text":3834,"spans":3835,"direction":76},"Even smaller break-ins can result in:",[],{"type":1645,"text":3837,"spans":3838,"direction":76},"Broken windows",[],{"type":1645,"text":3840,"spans":3841,"direction":76},"Damaged locks",[],{"type":1645,"text":3843,"spans":3844,"direction":76},"Electrical faults",[],{"type":1645,"text":3846,"spans":3847,"direction":76},"Alarm damage",[],{"type":1645,"text":3849,"spans":3850,"direction":76},"Paintwork damage",[],{"type":73,"text":3852,"spans":3853,"direction":76},"These additional repair costs often surprise drivers after theft incidents.",[],{"type":73,"text":3855,"spans":3856,"direction":76},"That’s why understanding how vehicle cover and theft protection compare between policies is important before an incident happens.",[3857],{"start":2151,"end":3858,"type":219,"data":3859},88,{"link_type":81,"url":3860,"target":1916},"https://www.miway.co.za/blog/how-to-switch-car-insurance","article_content_text$e079743c-0816-4c73-b9dc-094d3f293c87",{"variation":1620,"version":1621,"items":3863,"primary":3864,"id":3896,"slice_type":1632,"slice_label":9},[],{"heading":3865,"content":3866,"link_heading":1687},"What to do if car accessories are stolen",[3867,3870,3874,3877,3880,3883,3886,3889],{"type":73,"text":3868,"spans":3869,"direction":76},"If your vehicle accessories are stolen:",[],{"type":3871,"text":3872,"spans":3873,"direction":76},"o-list-item","Report the incident to the police immediately.",[],{"type":3871,"text":3875,"spans":3876,"direction":76},"Take photos of all damage.",[],{"type":3871,"text":3878,"spans":3879,"direction":76},"Keep your case number safely.",[],{"type":3871,"text":3881,"spans":3882,"direction":76},"Contact your insurer as soon as possible.",[],{"type":3871,"text":3884,"spans":3885,"direction":76},"Avoid replacing parts before claims guidance where necessary.",[],{"type":73,"text":3887,"spans":3888,"direction":76},"Keeping proper documentation may help simplify the claims process.",[],{"type":73,"text":3890,"spans":3891,"direction":76},"Drivers can also review how insurance claims generally work after vehicle-related incidents.",[3892],{"start":3893,"end":3894,"type":219,"data":3895},28,59,{"link_type":81,"url":3258,"target":1916},"article_content_text$33c85edb-e3e2-4f50-b484-302c62c5b34c",{"variation":1620,"version":1621,"items":3898,"primary":3899,"id":3913,"slice_type":1632,"slice_label":9},[],{"heading":3900,"content":3901,"link_heading":1687},"Why comprehensive cover still matters",[3902,3905,3910],{"type":73,"text":3903,"spans":3904,"direction":76},"Vehicle-part theft can happen quickly and unexpectedly, even in areas that appear relatively safe.",[],{"type":73,"text":3906,"spans":3907,"direction":76},"That’s why many drivers explore comprehensive car insurance options that may help provide protection against theft, break-ins and accidental damage.",[3908],{"start":723,"end":218,"type":219,"data":3909},{"link_type":81,"url":1915,"target":1916},{"type":73,"text":3911,"spans":3912,"direction":76},"Understanding your policy properly before an incident happens can help reduce unnecessary stress later.",[],"article_content_text$a5bb0b9c-d27c-4466-8b7b-bc02a5223333",{"variation":1620,"version":1621,"items":3915,"primary":3916,"id":3931,"slice_type":1632,"slice_label":9},[],{"heading":3917,"content":3918,"link_heading":1687},"Small preventative steps can make a big difference",[3919,3922,3925],{"type":73,"text":3920,"spans":3921,"direction":76},"Vehicle-part theft often happens quickly and opportunistically.",[],{"type":73,"text":3923,"spans":3924,"direction":76},"Simple habits such as locking your vehicle properly, parking in safer areas and staying aware of theft hotspots may help reduce the risk significantly.",[],{"type":73,"text":3926,"spans":3927,"direction":76},"According to insights shared by Tracker South Africa, visible deterrents and secure parking remain some of the most effective ways to reduce opportunistic theft risk.",[3928],{"start":723,"end":3929,"type":219,"data":3930},52,{"link_type":81,"url":3597,"target":138},"article_content_text$a82eb1ac-f5d2-4b53-99c9-7f7b32d9b3a8",{"variation":1791,"version":1621,"items":3933,"primary":3934,"id":3967,"slice_type":1632,"slice_label":9},[],{"heading":2047,"content":3935,"sub_sections":3936,"link_heading":1687},[],[3937,3943,3949,3955,3961],{"subheading":3938,"list":3939,"link_subsection":9},"Which car accessories are stolen most often in South Africa?",[3940],{"type":73,"text":3941,"spans":3942,"direction":76},"Wheels, tyres, batteries, mirrors, headlights and infotainment systems are among the most commonly stolen vehicle accessories.",[],{"subheading":3944,"list":3945,"link_subsection":9},"Does car insurance cover stolen car accessories?",[3946],{"type":73,"text":3947,"spans":3948,"direction":76},"Depending on the policy and circumstances, theft-related damage and stolen accessories may be covered.",[],{"subheading":3950,"list":3951,"link_subsection":9},"Why are modern headlights frequently stolen?",[3952],{"type":73,"text":3953,"spans":3954,"direction":76},"LED and adaptive headlights are expensive and easier to resell individually.",[],{"subheading":3956,"list":3957,"link_subsection":9},"Should aftermarket accessories be declared to insurers?",[3958],{"type":73,"text":3959,"spans":3960,"direction":76},"Yes. Expensive modifications or accessories should generally be disclosed to avoid complications during claims.",[],{"subheading":3962,"list":3963,"link_subsection":9},"How can drivers reduce the risk of car accessory theft?",[3964],{"type":73,"text":3965,"spans":3966,"direction":76},"Secure parking, wheel locks, alarm systems and visible deterrents may help reduce theft risk.",[],"article_content_text$a8ebd526-464f-42ad-83f2-b539eb764dd9","Vehicle hijackings in South Africa continue to rise in 2024, deeply affecting residents.",{"dimensions":3970,"alt":3580,"copyright":9,"url":3971,"id":3582,"edit":3972},{"width":2127,"height":2128},"https://images.prismic.io/miway-website/Z5nRI5bqstJ99-V8_SixMostStolenCarAccessoriesAndHowToProtectYours.jpeg?auto=format,compress&rect=271,0,611,321&w=2400&h=1260",{"x":3973,"y":32,"zoom":7,"background":33},271,{"link_type":38},[3976],{"type":73,"text":3977,"spans":3978,"direction":76},"Vehicle crime in South Africa continues to evolve, and criminals are increasingly targeting car accessories and vehicle parts that can be removed quickly and resold easily.",[],{"id":2138,"type":2139,"tags":3980,"lang":20,"slug":649,"first_publication_date":2141,"last_publication_date":2142,"uid":2143,"link_type":411,"key":3981,"isBroken":413},[],"b8de838f-9e9d-480f-b983-35b26e1a4077",[],{"dimensions":3984,"alt":3580,"copyright":9,"url":3581,"id":3582,"edit":3985},{"width":3578,"height":3579},{"x":32,"y":32,"zoom":7,"background":33},1783436017336]