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This cover relates to the goods being transported and is separate from the driver’s licensing obligations and vehicle insurance.",[1622],{"start":1623,"end":1624,"type":216,"data":1625},90,116,{"link_type":78,"url":1626,"target":1533},"https://www.miway.co.za/business-insurance/goods-in-transit?utm_source=chatgpt.com",{"type":70,"text":1628,"spans":1629,"direction":73},"Where vehicles transport hazardous substances, businesses may also face environmental risks such as spills, clean-up costs and waste disposal. Miway’s Environmental Liability Insurance is designed for specified environmental exposures, subject to the selected cover and policy terms. It does not replace the licences, permits, training or safety procedures required by law.",[1630],{"start":1631,"end":1632,"type":216,"data":1633},151,184,{"link_type":78,"url":1634,"target":1533},"https://www.miway.co.za/business-insurance/environmental-liability?utm_source=chatgpt.com","article_content_text$ac7c3792-b0f8-44ce-be42-b7fab4d8e1bb",{"variation":1508,"version":1509,"items":1637,"primary":1638,"id":1679,"slice_type":1542,"slice_label":9},[],{"heading":1639,"content":1640,"link_heading":1363},"What are the different PrDP categories?",[1641,1646,1649,1652,1656,1659,1662,1665,1670,1673,1676],{"type":70,"text":1642,"spans":1643,"direction":73},"Category G – Goods",[1644],{"start":28,"end":1645,"type":1540},18,{"type":70,"text":1647,"spans":1648,"direction":73},"Category G applies to specified goods and breakdown vehicles.",[],{"type":70,"text":1650,"spans":1651,"direction":73},"Businesses using delivery vans, trucks or other commercial vehicles should review both the driver’s licensing requirements and the protection provided by their business vehicle and goods-in-transit policies.",[],{"type":70,"text":1653,"spans":1654,"direction":73},"Category P – Passengers",[1655],{"start":28,"end":27,"type":1540},{"type":70,"text":1657,"spans":1658,"direction":73},"Category P applies to passenger transport and also authorises certain vehicles covered by Category G.",[],{"type":70,"text":1660,"spans":1661,"direction":73},"This may include drivers transporting passengers for reward, depending on the vehicle and operation.",[],{"type":70,"text":1663,"spans":1664,"direction":73},"Businesses must verify whether additional operating licences, permits or sector-specific requirements apply to their passenger-transport activities.",[],{"type":70,"text":1666,"spans":1667,"direction":73},"Category D – Dangerous goods",[1668],{"start":28,"end":1669,"type":1540},28,{"type":70,"text":1671,"spans":1672,"direction":73},"Category D applies to vehicles transporting dangerous goods and carries additional training requirements.",[],{"type":70,"text":1674,"spans":1675,"direction":73},"Businesses operating in this area should treat driver qualifications, vehicle suitability, emergency procedures and appropriate liability protection as parts of the same risk-management process.",[],{"type":70,"text":1677,"spans":1678,"direction":73},"The appropriate PrDP must also be supported by a valid driving licence for the vehicle being driven.",[],"article_content_text$149d6963-098a-48f6-84b4-f4b71108cf1c",{"variation":1508,"version":1509,"items":1681,"primary":1682,"id":1720,"slice_type":1542,"slice_label":9},[],{"heading":1683,"content":1684,"link_heading":1363},"Why should employers check driver licences and PrDPs?",[1685,1688,1693,1696,1699,1702,1705,1708,1711,1714,1717],{"type":70,"text":1686,"spans":1687,"direction":73},"Giving someone the keys shouldn't be the end of the process.",[],{"type":70,"text":1689,"spans":1690,"direction":73},"A driver who holds a licence may not necessarily have the correct licence code or PrDP category for the vehicle you're asking them to drive.",[1691],{"start":214,"end":1692,"type":1540},95,{"type":70,"text":1694,"spans":1695,"direction":73},"For businesses, inadequate driver checks can create several risks:",[],{"type":70,"text":1697,"spans":1698,"direction":73},"·        regulatory non-compliance;",[],{"type":70,"text":1700,"spans":1701,"direction":73},"·        vehicles being unavailable for planned work;",[],{"type":70,"text":1703,"spans":1704,"direction":73},"·        interrupted deliveries or customer appointments;",[],{"type":70,"text":1706,"spans":1707,"direction":73},"·        increased liability exposure;",[],{"type":70,"text":1709,"spans":1710,"direction":73},"·        complications following an accident or claim; and",[],{"type":70,"text":1712,"spans":1713,"direction":73},"·        reputational damage.",[],{"type":70,"text":1715,"spans":1716,"direction":73},"South African regulations place responsibility on operators and owners not to allow someone to drive a vehicle requiring a PrDP unless that person holds the appropriate valid permit.",[],{"type":70,"text":1718,"spans":1719,"direction":73},"Driver compliance should therefore form part of your wider fleet-risk management process.",[],"article_content_text$57fa4149-086e-4414-aa41-3bc9dd4a774f",{"variation":1508,"version":1509,"items":1722,"primary":1723,"id":1755,"slice_type":1542,"slice_label":9},[],{"heading":1724,"content":1725,"link_heading":1363},"Can an expired or missing PrDP affect a business insurance claim?",[1726,1729,1732,1735,1738,1741,1744,1749],{"type":70,"text":1727,"spans":1728,"direction":73},"Potentially – but the answer isn't as simple as saying every claim will automatically be rejected.",[],{"type":70,"text":1730,"spans":1731,"direction":73},"Having the correct licence and permit remains important, and businesses should ensure drivers comply with legal and policy requirements.",[],{"type":70,"text":1733,"spans":1734,"direction":73},"However, an insurance claim is assessed according to the circumstances of the loss and the applicable policy wording.",[],{"type":70,"text":1736,"spans":1737,"direction":73},"A 2025 case considered by South Africa's National Financial Ombud involved a truck that was hijacked while its driver had an expired PrDP. The Ombud considered whether the expired permit was actually material to the loss and found that having a valid PrDP would not have prevented that particular hijacking.",[],{"type":70,"text":1739,"spans":1740,"direction":73},"The lesson for business owners isn't that PrDPs don't matter.",[],{"type":70,"text":1742,"spans":1743,"direction":73},"They do.",[],{"type":70,"text":1745,"spans":1746,"direction":73},"The lesson is that insurance decisions depend on policy conditions, the facts of the incident and whether a particular breach is relevant to the loss.",[1747],{"start":1552,"end":1748,"type":1540},149,{"type":70,"text":1750,"spans":1751,"direction":73},"The safest approach is therefore straightforward: keep your drivers properly licensed, keep required permits current and understand the conditions of your business insurance policy before something goes wrong.",[1752],{"start":1753,"end":1754,"type":1540},155,173,"article_content_text$17e4b9b8-2488-4357-beaf-c4b4b6bc1bd0",{"variation":1757,"version":1509,"items":1758,"primary":1759,"id":1815,"slice_type":1542,"slice_label":9},"subheadingBulletLists",[],{"heading":1760,"content":1761,"sub_sections":1768,"link_heading":1363},"What should you check before an employee drives a business vehicle?",[1762,1765],{"type":70,"text":1763,"spans":1764,"direction":73},"Create a simple driver-verification process.",[],{"type":70,"text":1766,"spans":1767,"direction":73},"Before assigning a vehicle, check:",[],[1769,1775,1784,1790,1796,1805],{"subheading":1770,"list":1771,"link_subsection":1363},"Is the driving licence valid?",[1772],{"type":70,"text":1773,"spans":1774,"direction":73},"Confirm that the employee holds a current driving licence and that it is appropriate for the vehicle.",[],{"subheading":1776,"list":1777,"link_subsection":1363},"Does the licence code match the vehicle?",[1778,1781],{"type":70,"text":1779,"spans":1780,"direction":73},"A licence to operate one class of vehicle doesn't necessarily authorise a person to drive another.",[],{"type":70,"text":1782,"spans":1783,"direction":73},"Don't assign a driver based only on the fact that they have a driving licence.",[],{"subheading":1785,"list":1786,"link_subsection":1363},"Is a PrDP required?",[1787],{"type":70,"text":1788,"spans":1789,"direction":73},"Check the vehicle category, gross vehicle mass, passenger use, operating-licence requirements and whether dangerous goods are being transported.",[],{"subheading":1791,"list":1792,"link_subsection":1363},"Does the driver have the correct PrDP category?",[1793],{"type":70,"text":1794,"spans":1795,"direction":73},"Where a PrDP is required, make sure it authorises the work and vehicle concerned.",[],{"subheading":1797,"list":1798,"link_subsection":1363},"When does the licence or permit expire?",[1799,1802],{"type":70,"text":1800,"spans":1801,"direction":73},"Don't wait until the expiry date to discover that a driver cannot legally be assigned to a route.",[],{"type":70,"text":1803,"spans":1804,"direction":73},"Create reminders well in advance and keep copies of relevant documents in your compliance records.",[],{"subheading":1806,"list":1807,"link_subsection":1363},"Does your insurer know how the vehicles are being used?",[1808,1811],{"type":70,"text":1809,"spans":1810,"direction":73},"A delivery vehicle, company car, e-hailing vehicle and long-haul truck don't have identical risk profiles.",[],{"type":70,"text":1812,"spans":1813,"direction":73},"Make sure your business insurance reflects the actual use of your vehicles and the drivers operating them.",[1814],{"start":861,"end":1009,"type":1540},"article_content_text$0dfd8aa0-2856-4fa5-91a2-cfa5fa1a1b74",{"variation":1508,"version":1509,"items":1817,"primary":1818,"id":1840,"slice_type":1542,"slice_label":9},[],{"heading":1819,"content":1820,"link_heading":1363},"How do you apply for a PrDP in South Africa?",[1821,1824,1827,1833],{"type":70,"text":1822,"spans":1823,"direction":73},"The current government process requires applicants to apply through a Driving Licence Testing Centre (DLTC), with Gauteng residents directed to use the NaTIS online application process.",[],{"type":70,"text":1825,"spans":1826,"direction":73},"Requirements include a valid driving licence for the relevant vehicle type, medical fitness and other documentation and checks depending on the permit category.",[],{"type":70,"text":1828,"spans":1829,"direction":73},"The South African Government advises that the process can take up to 12 weeks, so drivers and fleet managers should avoid leaving applications until the last minute.",[1830],{"start":1831,"end":1832,"type":1540},63,77,{"type":70,"text":1834,"spans":1835,"direction":73},"For the latest documents, requirements and application process, use the South African Government PrDP guide.",[1836],{"start":1837,"end":1838,"type":216,"data":1839},72,107,{"link_type":78,"url":1566,"target":135},"article_content_text$b0a52ed3-766c-4d68-9037-bcdd1610ac2e",{"variation":1508,"version":1509,"items":1842,"primary":1843,"id":1859,"slice_type":1542,"slice_label":9},[],{"heading":1844,"content":1845,"link_heading":1363},"What about PrDP expiry dates in 2026?",[1846,1849,1852,1855],{"type":70,"text":1847,"spans":1848,"direction":73},"Licence rules are changing, but don't confuse ordinary driving licences with professional permits.",[],{"type":70,"text":1850,"spans":1851,"direction":73},"In July 2026, Cabinet approved extending the validity period for certain light motor vehicle and motorcycle driving licences from five to ten years.",[],{"type":70,"text":1853,"spans":1854,"direction":73},"The change still requires legislative implementation.",[],{"type":70,"text":1856,"spans":1857,"direction":73},"PrDPs remain on their existing two-year renewal cycle, so businesses should continue tracking their drivers' permit expiry dates carefully.",[1858],{"start":28,"end":1553,"type":1540},"article_content_text$53c8e08f-e0a3-4ca7-a25c-25c9244c50b6",{"variation":1508,"version":1509,"items":1861,"primary":1862,"id":1904,"slice_type":1542,"slice_label":9},[],{"heading":1863,"content":1864,"link_heading":1363},"Build driver checks into your fleet management routine",[1865,1868,1871,1874,1877,1880,1883,1886,1889,1892,1895,1898,1901],{"type":70,"text":1866,"spans":1867,"direction":73},"Licence compliance shouldn't happen only when you employ a new driver.",[],{"type":70,"text":1869,"spans":1870,"direction":73},"Drivers, vehicles and business operations change.",[],{"type":70,"text":1872,"spans":1873,"direction":73},"A practical fleet process should include regular checks of:",[],{"type":70,"text":1875,"spans":1876,"direction":73},"·        driving licences;",[],{"type":70,"text":1878,"spans":1879,"direction":73},"·        licence codes;",[],{"type":70,"text":1881,"spans":1882,"direction":73},"·        required PrDP categories;",[],{"type":70,"text":1884,"spans":1885,"direction":73},"·        permit expiry dates;",[],{"type":70,"text":1887,"spans":1888,"direction":73},"·        authorised drivers;",[],{"type":70,"text":1890,"spans":1891,"direction":73},"·        vehicle assignments;",[],{"type":70,"text":1893,"spans":1894,"direction":73},"·        driver training;",[],{"type":70,"text":1896,"spans":1897,"direction":73},"·        incidents and driving history; and",[],{"type":70,"text":1899,"spans":1900,"direction":73},"·        insurance details.",[],{"type":70,"text":1902,"spans":1903,"direction":73},"If you manage multiple vehicles, maintaining a central record with renewal reminders can reduce the chances of an expired document being missed.",[],"article_content_text$7c051797-d559-48b6-81a4-ab44eca7e429",{"variation":1508,"version":1509,"items":1906,"primary":1907,"id":1939,"slice_type":1542,"slice_label":9},[],{"heading":1908,"content":1909,"link_heading":1363},"The right driver is part of protecting the right vehicle",[1910,1913,1916,1919,1924,1931],{"type":70,"text":1911,"spans":1912,"direction":73},"Business vehicles are more than assets parked outside your premises.",[],{"type":70,"text":1914,"spans":1915,"direction":73},"For delivery companies, contractors, logistics operators and mobile-service businesses, they help generate revenue every day.",[],{"type":70,"text":1917,"spans":1918,"direction":73},"That means your risk management shouldn't stop at insuring the vehicle.",[],{"type":70,"text":1920,"spans":1921,"direction":73},"It should include who is driving it, whether they're properly authorised and whether your cover reflects the way your fleet actually operates.",[1922],{"start":1645,"end":1923,"type":1540},141,{"type":70,"text":1925,"spans":1926,"direction":73},"Miway's business vehicle and fleet insurance provides cover options for businesses operating anything from individual work vehicles to fleets, with driver-cover options designed around different operating requirements.",[1927],{"start":1529,"end":1928,"type":216,"data":1929},44,{"link_type":78,"url":1930,"target":135},"https://www.miway.co.za/business-insurance/business-vehicles",{"type":70,"text":1932,"spans":1933,"direction":73},"You can also read our guide on choosing the right insurance for your business vehicle.",[1934],{"start":1935,"end":1936,"type":216,"data":1937},31,85,{"link_type":78,"url":1938,"target":135},"https://www.miway.co.za/blog/choose-the-right-insurance-for-your-business-vehicle","article_content_text$ba719560-77b8-4742-9150-0a39535c8af9",{"variation":1508,"version":1509,"items":1941,"primary":1942,"id":1957,"slice_type":1542,"slice_label":9},[],{"heading":1943,"content":1944,"link_heading":1363},"Keep your business moving",[1945,1948,1951],{"type":70,"text":1946,"spans":1947,"direction":73},"Your drivers, vehicles and insurance all form part of the same risk picture.",[],{"type":70,"text":1949,"spans":1950,"direction":73},"Regularly check driver licences and PrDPs, review vehicle use and make sure your cover continues to match the way your business operates.",[],{"type":70,"text":1952,"spans":1953,"direction":73},"Explore Miway Business Insurance and find cover designed around your business vehicles and fleet.",[1954],{"start":28,"end":705,"type":216,"data":1955},{"link_type":78,"url":1956,"target":135},"https://www.miway.co.za/business-insurance","article_content_text$5cd90155-b0e0-4355-b823-fdd0c18ccc82",{"variation":1757,"version":1509,"items":1959,"primary":1960,"id":2023,"slice_type":1542,"slice_label":9},[],{"heading":491,"content":1961,"sub_sections":1962,"link_heading":1363},[],[1963,1969,1975,1981,1987,1993,1999,2005,2011,2017],{"subheading":1964,"list":1965,"link_subsection":1363},"What is a Professional Driving Permit in South Africa?",[1966],{"type":70,"text":1967,"spans":1968,"direction":73},"A Professional Driving Permit, or PrDP, is an additional permit required for drivers of specified goods, passenger and dangerous-goods vehicles. It does not replace the ordinary driving licence needed for the vehicle class.",[],{"subheading":1970,"list":1971,"link_subsection":1363},"Does every employee who drives for work need a PrDP?",[1972],{"type":70,"text":1973,"spans":1974,"direction":73},"No. The need depends on the vehicle, gross vehicle mass, passenger transport, operating licence and goods carried. Employers should verify current rules for the exact operation.",[],{"subheading":1976,"list":1977,"link_subsection":1363},"Which goods vehicles require a PrDP?",[1978],{"type":70,"text":1979,"spans":1980,"direction":73},"Government guidance includes goods vehicles with a gross vehicle mass above 3,500 kg, as well as breakdown vehicles and other specified categories. Confirm the current rule for the vehicle and route.",[],{"subheading":1982,"list":1983,"link_subsection":1363},"What are the PrDP categories?",[1984],{"type":70,"text":1985,"spans":1986,"direction":73},"The main categories are G for specified goods vehicles, P for passenger transport and D for dangerous goods. The driver must also hold the correct ordinary licence for the vehicle.",[],{"subheading":1988,"list":1989,"link_subsection":1363},"How long is a PrDP valid?",[1990],{"type":70,"text":1991,"spans":1992,"direction":73},"PrDPs remain on a two-year renewal cycle. Cabinet’s July 2026 approval of longer validity for certain light-vehicle licences did not change the PrDP cycle and still required legislative implementation for the affected ordinary licences.",[],{"subheading":1994,"list":1995,"link_subsection":1363},"How long can a PrDP application take?",[1996],{"type":70,"text":1997,"spans":1998,"direction":73},"The South African Government advises that processing may take up to 12 weeks. Apply early and monitor expiry dates so a driver is not assigned without the required valid documentation.",[],{"subheading":2000,"list":2001,"link_subsection":1363},"Can an expired PrDP affect an insurance claim?",[2002],{"type":70,"text":2003,"spans":2004,"direction":73},"It can be relevant, but a claim is assessed under its facts and policy wording. An NFO case published in 2025 found an expired PrDP was not material to a hijacking because it did not cause or contribute to that loss.",[],{"subheading":2006,"list":2007,"link_subsection":1363},"What should an employer check before assigning a vehicle?",[2008],{"type":70,"text":2009,"spans":2010,"direction":73},"Verify the licence validity, licence code, PrDP requirement and category, expiry dates, authorised-driver status and actual business use disclosed to the insurer.",[],{"subheading":2012,"list":2013,"link_subsection":1363},"Where do drivers apply for a PrDP?",[2014],{"type":70,"text":2015,"spans":2016,"direction":73},"Applicants generally use a Driving Licence Testing Centre, while Gauteng applicants are directed to the NaTIS online process. Requirements include a valid licence and medical fitness, with extra requirements for some categories.",[],{"subheading":2018,"list":2019,"link_subsection":1363},"How often should a fleet check driver documents?",[2020],{"type":70,"text":2021,"spans":2022,"direction":73},"Check documents at onboarding and on a scheduled recurring basis, with reminders well before expiry. Recheck when drivers, vehicles, routes, loads or business use change.",[],"article_content_text$70054698-1b00-4449-b925-54cb984df0b8","Business Driver Licences and PrDPs | Miway Business Insurance","Learn when a South African business driver may need a PrDP, what employers should verify and how driver compliance relates to fleet risk and insurance.","business insurance, business drivers,",{"dimensions":2028,"alt":1501,"copyright":9,"url":2031,"id":1503,"edit":2032},{"width":2029,"height":2030},2400,1260,"https://images.prismic.io/miway-website/E60fK5ysx9mOeNnd_2161x585copy7.png?auto=format,compress&rect=523,0,1116,586&w=2400&h=1260",{"x":2033,"y":28,"zoom":29,"background":30},523,{"link_type":35},[2036],{"type":70,"text":1514,"spans":2037,"direction":73},[],"Miway",{"link_type":393},[],{"dimensions":2042,"alt":1501,"copyright":9,"url":1502,"id":1503,"edit":2043},{"width":1499,"height":1500},{"x":28,"y":28,"zoom":29,"background":30},[2045,2345,2944,3580],{"id":2046,"uid":2047,"url":2048,"type":1469,"href":2049,"tags":2050,"first_publication_date":2051,"last_publication_date":2051,"slugs":2052,"linked_documents":2054,"lang":16,"alternate_languages":2055,"data":2056},"art1MxYAADMAJIof","renting-in-south-africa-why-tenants-need-home-contents-insurance","/blog/renting-in-south-africa-why-tenants-need-home-contents-insurance","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=arup2xYAAC4AJQnc&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22art1MxYAADMAJIof%22%29+%5D%5D",[],"2026-09-29T09:05:08+0000",[2053],"2026-09-29t0700000000",[],[],{"date":2057,"heading":2058,"duration":9,"article_type":2059,"category":2062,"related_product":2068,"thumbnail":2071,"type":1505,"related_insurance":784,"slices":2077,"meta_title":2323,"meta_description":2324,"meta_keywords":2325,"meta_image":2326,"canonical":2330,"intro":2331,"author":2038,"service_block":2334,"in_this_article":2341,"hero_image":2342},"2026-09-29T07:00:00+0000","Renting in South Africa: why tenants need home contents insurance",{"id":1375,"type":1339,"tags":2060,"lang":16,"slug":1377,"first_publication_date":1378,"last_publication_date":1379,"uid":1377,"url":1343,"link_type":393,"key":2061,"isBroken":395},[],"e8af1b97-95b9-455e-93f2-28f325acc63d",{"id":1486,"type":1487,"tags":2063,"lang":16,"slug":1489,"first_publication_date":1490,"last_publication_date":1491,"uid":1492,"url":1343,"data":2064,"link_type":393,"key":2067,"isBroken":395},[],{"name":2065,"tag":2066},"Miway Tips & Guides","Tips & Guides","ddc84cf9-256b-43d8-a80f-0928824e274e",{"id":804,"type":515,"tags":2069,"lang":16,"slug":806,"first_publication_date":807,"last_publication_date":808,"uid":809,"url":810,"link_type":393,"key":2070,"isBroken":395},[517,688,519],"3b2b69c4-e75f-46e1-95af-1c44e9ce7fb2",{"dimensions":2072,"alt":2073,"copyright":9,"url":2074,"id":2075,"edit":2076},{"width":1499,"height":1500},"Home contents Insurance","https://images.prismic.io/miway-website/mFzOnW5z2z4vL1Sb_rent.png?auto=format,compress","mFzOnW5z2z4vL1Sb",{"x":28,"y":28,"zoom":29,"background":30},[2078,2094,2110,2119,2131,2146,2160,2177,2201,2222,2246,2258],{"variation":1508,"version":1509,"items":2079,"primary":2080,"id":2093,"slice_type":1542,"slice_label":9},[],{"heading":9,"content":2081,"link_heading":1363},[2082,2090],{"type":70,"text":2083,"spans":2084,"direction":73},"Renting for longer does not reduce the value of the belongings inside a home. Furniture, clothing, appliances, electronics and home-office equipment can take years to build up and may be expensive to replace after theft, fire or another insured event. A landlord usually protects the building; a tenant generally needs separate cover for possessions they own.",[2085],{"start":2086,"end":2087,"type":216,"data":2088},78,148,{"link_type":78,"url":2089,"target":135},"https://www.miway.co.za/home-insurance",{"type":70,"text":2091,"spans":2092,"direction":73},"For South Africans saving towards homeownership, an uninsured contents loss can redirect savings into replacement costs or debt. Protecting current assets is therefore part of the same financial plan as working towards a future deposit.",[],"article_content_text$287aab84-e3a4-4f49-8db9-b6179b0ec7a9",{"variation":1508,"version":1509,"items":2095,"primary":2096,"id":2109,"slice_type":1542,"slice_label":9},[],{"heading":2097,"content":2098,"link_heading":1363},"Why are more South Africans renting for longer?",[2099,2106],{"type":70,"text":2100,"spans":2101,"direction":73},"FNB analysed Statistics South Africa's 2025 General Household Survey and found that the share of renting households increased from 21.9% in 2019 to 25.8% in 2025 - about 1.4 million additional renter households. Mortgage-linked ownership declined from 7.5% to 6.3%, while fully paid ownership fell from 57% to 53%.",[2102],{"start":28,"end":2103,"type":216,"data":2104},68,{"link_type":78,"url":2105,"target":135},"https://www.online.fnb.co.za/blog/article.html?articleName=EconomicsWeekly-20260605&blog=investments&category=Markets+and+economics",{"type":70,"text":2107,"spans":2108,"direction":73},"These figures describe a wider shift in housing tenure. They do not mean every renter has the same finances, but they show why tenant-focused insurance information is increasingly important.",[],"article_content_text$22430eca-ce93-4942-b360-42729688f349",{"variation":1508,"version":1509,"items":2111,"primary":2112,"id":2118,"slice_type":1542,"slice_label":9},[],{"heading":2113,"content":2114,"link_heading":1363},"What insurance does a renter need?",[2115],{"type":70,"text":2116,"spans":2117,"direction":73},"A renter should consider cover for personal belongings kept at the rented home and for valuable items carried elsewhere. Home contents insurance generally covers eligible possessions at the insured address against specified events. Moveables cover may be needed for items such as a laptop, cellphone or camera when they leave the home. Exact protection depends on the coversheet and policy wording.",[],"article_content_text$f09174af-e73c-4348-a3cf-4b49ffaf7c7f",{"variation":1508,"version":1509,"items":2120,"primary":2121,"id":2130,"slice_type":1542,"slice_label":9},[],{"heading":2122,"content":2123,"link_heading":1363},"Does a landlord's insurance cover a tenant's belongings?",[2124,2127],{"type":70,"text":2125,"spans":2126,"direction":73},"Usually not. Building insurance generally protects the structure and permanent fixtures owned by the property owner, such as walls, the roof and fitted installations. It should not be assumed to cover a tenant's furniture, clothes, appliances or electronics.",[],{"type":70,"text":2128,"spans":2129,"direction":73},"The lease can allocate responsibilities for glass, damage, maintenance or liability, but a lease obligation is not the same as insurance cover. Tenants should read the lease, ask what the landlord has insured and confirm their own protection separately.",[],"article_content_text$d934e670-1bc8-4f00-8c63-233df37c428f",{"variation":1508,"version":1509,"items":2132,"primary":2133,"id":2145,"slice_type":1542,"slice_label":9},[],{"heading":2134,"content":2135,"link_heading":1363},"What can home contents insurance protect?",[2136,2142],{"type":70,"text":2137,"spans":2138,"direction":73},"Miway home contents insurance is designed for eligible possessions kept at the insured home. Depending on the selected cover, policy terms and cause of loss, this can include items such as furniture, clothing, appliances and electronics after specified events.",[2139],{"start":28,"end":2140,"type":216,"data":2141},29,{"link_type":78,"url":2089,"target":135},{"type":70,"text":2143,"spans":2144,"direction":73},"Cover is not automatic for every incident. Security requirements, excesses, limits, exclusions and claim evidence can affect an outcome. Power-surge, accidental-damage or weather-related protection should be confirmed from the current coversheet and policy wording rather than assumed.",[],"article_content_text$abdddef1-c22a-4c76-a34b-f868b3451e5b",{"variation":1508,"version":1509,"items":2147,"primary":2148,"id":2159,"slice_type":1542,"slice_label":9},[],{"heading":2149,"content":2150,"link_heading":1363},"What about laptops phones and other items away from home?",[2151],{"type":70,"text":2152,"spans":2153,"direction":73},"Standard contents cover is centred on the insured address. Portable possessions may need Miway moveables cover or another specified option when they are used away from home. Ask whether individual items must be listed, what value applies and whether territorial, security or unattended-vehicle conditions apply.",[2154],{"start":2155,"end":2156,"type":216,"data":2157},89,110,{"link_type":78,"url":2158,"target":135},"https://www.miway.co.za/all-risk-insurance","article_content_text$4c87c481-6ad2-4de6-b7d0-4ddd7412832f",{"variation":1508,"version":1509,"items":2161,"primary":2162,"id":2176,"slice_type":1542,"slice_label":9},[],{"heading":2163,"content":2164,"link_heading":1363},"How Much Should a Renter Insure Their Belongings For?",[2165,2168],{"type":70,"text":2166,"spans":2167,"direction":73},"Use the total current replacement cost of all eligible contents, not the amount originally paid and not only the value of obvious high-ticket purchases. A room-by-room inventory should include clothing, linen, kitchenware, furniture, televisions, computers, tools, sporting equipment and smaller items that add up.",[],{"type":70,"text":2169,"spans":2170,"direction":73},"If the total sum insured is lower than the full replacement value, proportional underinsurance may reduce a qualifying claim. Use Miway's home asset audit checklist and review the amount after major purchases, gifts, a move or a change in household composition.",[2171],{"start":2172,"end":2173,"type":216,"data":2174},138,164,{"link_type":78,"url":2175,"target":135},"https://www.miway.co.za/blog/home-asset-audit-checklist-how-to-avoid-underinsurance-in-south-africa","article_content_text$39a9705b-6810-42b2-b6f2-1699c0d593c7",{"variation":1508,"version":1509,"items":2178,"primary":2179,"id":2200,"slice_type":1542,"slice_label":9},[],{"heading":2180,"content":2181,"link_heading":1363},"What are the most common cover gaps for renters?",[2182,2185,2188,2191,2194,2197],{"type":70,"text":2183,"spans":2184,"direction":73},"·        Assuming the landlord insures the tenant's possessions.",[],{"type":70,"text":2186,"spans":2187,"direction":73},"·        Insuring only expensive electronics and forgetting everyday household items.",[],{"type":70,"text":2189,"spans":2190,"direction":73},"·        Using old purchase prices instead of current replacement costs.",[],{"type":70,"text":2192,"spans":2193,"direction":73},"·        Failing to specify portable valuables used away from the home.",[],{"type":70,"text":2195,"spans":2196,"direction":73},"·        Not updating the address, security details or occupancy information after moving.",[],{"type":70,"text":2198,"spans":2199,"direction":73},"·        Keeping too little proof of ownership for a future claim.",[],"article_content_text$0915f82d-6d99-42e4-82c8-91326399fbaa",{"variation":1508,"version":1509,"items":2202,"primary":2203,"id":2221,"slice_type":1542,"slice_label":9},[],{"heading":2204,"content":2205,"link_heading":1363},"How can renters prepare for a claim?",[2206,2209],{"type":70,"text":2207,"spans":2208,"direction":73},"Photograph each room and keep receipts, serial numbers, valuations and warranties in secure cloud storage. After an incident, prioritise safety, report crime to the police where required, prevent further loss when safe and notify the insurer promptly. Do not dispose of damaged property or authorise major work before receiving instructions unless an emergency makes action necessary.",[],{"type":70,"text":2210,"spans":2211,"direction":73},"Review Miway's household insurance claims FAQs and claims process before an emergency so that contact details and evidence requirements are easy to find.",[2212,2216],{"start":861,"end":2213,"type":216,"data":2214},46,{"link_type":78,"url":2215,"target":135},"https://www.miway.co.za/blog/frequently-asked-questions-regarding-household-insurance-claims",{"start":2217,"end":2218,"type":216,"data":2219},51,65,{"link_type":78,"url":2220,"target":135},"https://www.miway.co.za/claims","article_content_text$eb4bd19c-5411-4b4f-bfcf-2257c83b57ac",{"variation":1508,"version":1509,"items":2223,"primary":2224,"id":2245,"slice_type":1542,"slice_label":9},[],{"heading":2225,"content":2226,"link_heading":1363},"A practical insurance checklist for tenants",[2227,2230,2233,2236,2239,2242],{"type":70,"text":2228,"spans":2229,"direction":73},"·        Ask the landlord what the building policy covers and read the lease responsibilities.",[],{"type":70,"text":2231,"spans":2232,"direction":73},"·        Complete a room-by-room contents inventory at current replacement value.",[],{"type":70,"text":2234,"spans":2235,"direction":73},"·        Identify portable items that regularly leave the home.",[],{"type":70,"text":2237,"spans":2238,"direction":73},"·        Confirm security requirements, excesses, limits and exclusions.",[],{"type":70,"text":2240,"spans":2241,"direction":73},"·        Update the insurer before or immediately after a move, as required by the policy.",[],{"type":70,"text":2243,"spans":2244,"direction":73},"·        Keep photographs and ownership records away from the insured premises.",[],"article_content_text$3969f1e8-6996-4554-84c9-97bd83e1daf0",{"variation":1508,"version":1509,"items":2247,"primary":2248,"id":2257,"slice_type":1542,"slice_label":9},[],{"heading":2249,"content":2250,"link_heading":1363},"Expert insight and conclusion",[2251,2254],{"type":70,"text":2252,"spans":2253,"direction":73},"Renting changes ownership of the building, not ownership of the tenant's belongings. The right question is not whether the home is rented; it is how much the contents would cost to replace and which policy sections protect them at home and elsewhere.",[],{"type":70,"text":2255,"spans":2256,"direction":73},"A clear inventory, accurate replacement value and suitable contents and moveables cover can help protect current financial progress while a renter continues working towards longer-term goals. Terms, conditions, limits and exclusions apply.",[],"article_content_text$c35b57a3-4657-4d2a-a493-4df4f770495f",{"variation":1757,"version":1509,"items":2259,"primary":2260,"id":2322,"slice_type":1542,"slice_label":9},[],{"heading":491,"content":2261,"sub_sections":2262,"link_heading":1363},[],[2263,2269,2274,2280,2286,2292,2298,2304,2310,2316],{"subheading":2264,"list":2265,"link_subsection":1363},"Do renters need home insurance in South Africa?",[2266],{"type":70,"text":2267,"spans":2268,"direction":73},"Renters do not insure a building they do not own, but they should consider home contents insurance for personal belongings and moveables cover for eligible items used away from home.",[],{"subheading":2122,"list":2270,"link_subsection":1363},[2271],{"type":70,"text":2272,"spans":2273,"direction":73},"Usually not. A landlord's building policy generally protects the structure and permanent fixtures, while a tenant normally arranges separate cover for furniture, clothing, appliances, electronics and other possessions.",[],{"subheading":2275,"list":2276,"link_subsection":1363},"What does home contents insurance cover for a tenant?",[2277],{"type":70,"text":2278,"spans":2279,"direction":73},"It may cover eligible household possessions against specified events such as theft, fire or certain weather damage, depending on the selected cover, policy wording, security requirements, limits, excesses and exclusions.",[],{"subheading":2281,"list":2282,"link_subsection":1363},"What is moveables cover?",[2283],{"type":70,"text":2284,"spans":2285,"direction":73},"Moveables cover protects eligible portable possessions when they are taken away from the insured home. Items may need to be specified individually, and territorial, security and unattended-item conditions can apply.",[],{"subheading":2287,"list":2288,"link_subsection":1363},"How do renters calculate the value of their belongings?",[2289],{"type":70,"text":2290,"spans":2291,"direction":73},"Create a room-by-room inventory and use the current cost of replacing eligible items with new equivalents. Include clothing, kitchenware, furniture, electronics and smaller possessions, not only major purchases.",[],{"subheading":2293,"list":2294,"link_subsection":1363},"What is underinsurance for home contents?",[2295],{"type":70,"text":2296,"spans":2297,"direction":73},"Underinsurance occurs when the total sum insured is below the full replacement value of the contents. Depending on the policy, a qualifying claim may then be reduced proportionally.",[],{"subheading":2299,"list":2300,"link_subsection":1363},"Should a tenant insure work equipment kept at home?",[2301],{"type":70,"text":2302,"spans":2303,"direction":73},"Personal and employer-owned equipment may be treated differently. Confirm ownership, business use and the applicable policy section with the employer and insurer instead of assuming ordinary contents cover applies.",[],{"subheading":2305,"list":2306,"link_subsection":1363},"What records should renters keep for insurance?",[2307],{"type":70,"text":2308,"spans":2309,"direction":73},"Keep room photographs, receipts, serial numbers, warranties and professional valuations where relevant. Store copies securely away from the home so they remain available after theft, fire or severe damage.",[],{"subheading":2311,"list":2312,"link_subsection":1363},"When should a renter update home contents cover?",[2313],{"type":70,"text":2314,"spans":2315,"direction":73},"Review cover after moving, buying or receiving valuable items, changing security, adding a home office or when replacement costs rise. Tell the insurer about material changes as required by the policy.",[],{"subheading":2317,"list":2318,"link_subsection":1363},"How can a renter make a household insurance claim?",[2319],{"type":70,"text":2320,"spans":2321,"direction":73},"Prioritise safety, report crime where required, limit further loss when safe, record the damage and notify the insurer promptly. Follow the claims instructions and keep damaged items until the insurer advises otherwise.",[],"article_content_text$8a56fa36-afe8-4607-ad7f-b05fbb5dfa5c","Home Contents Insurance for Renters in SA | Miway Home Insurance","Renting in South Africa? Learn how contents and moveables cover differ from landlord insurance, how to value belongings and how to avoid underinsurance.","home insurance, home contents insurance",{"dimensions":2327,"alt":2073,"copyright":9,"url":2328,"id":2075,"edit":2329},{"width":2029,"height":2030},"https://images.prismic.io/miway-website/mFzOnW5z2z4vL1Sb_rent.png?auto=format,compress&rect=523,0,1116,586&w=2400&h=1260",{"x":2033,"y":28,"zoom":29,"background":30},{"link_type":35},[2332],{"type":70,"text":2083,"spans":2333,"direction":73},[],{"id":2335,"type":2336,"tags":2337,"lang":16,"slug":776,"first_publication_date":2338,"last_publication_date":2339,"uid":776,"link_type":393,"key":2340,"isBroken":395},"akuheBEAACsACNSf","service_block",[760,688],"2026-07-06T13:17:07+0000","2026-07-07T07:58:00+0000","e61f04fb-c0da-4c7f-bf49-ba7997e179ed",[],{"dimensions":2343,"alt":2073,"copyright":9,"url":2074,"id":2075,"edit":2344},{"width":1499,"height":1500},{"x":28,"y":28,"zoom":29,"background":30},{"id":2346,"uid":2347,"url":2348,"type":1469,"href":2349,"tags":2350,"first_publication_date":2351,"last_publication_date":2351,"slugs":2352,"linked_documents":2354,"lang":16,"alternate_languages":2355,"data":2356},"arIQshYAAC4AFbpK","automatic-vs-manual-trucks","/blog/automatic-vs-manual-trucks","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=arup2xYAAC4AJQnc&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22arIQshYAAC4AFbpK%22%29+%5D%5D",[],"2026-09-22T11:18:20+0000",[2353],"route",[],[],{"date":2357,"heading":2358,"duration":9,"article_type":2359,"category":2362,"related_product":2366,"thumbnail":2374,"type":1505,"related_insurance":9,"slices":2382,"meta_title":2920,"meta_description":2921,"meta_keywords":2922,"meta_image":2923,"canonical":2928,"intro":2929,"author":2038,"service_block":2932,"in_this_article":2940,"hero_image":2941},"2026-09-22T07:00:00+0000","Automatic vs Manual Trucks: What South African Fleet Owners Should Know",{"id":1481,"type":1339,"tags":2360,"lang":16,"slug":639,"first_publication_date":1483,"last_publication_date":1483,"uid":639,"url":1343,"link_type":393,"key":2361,"isBroken":395},[],"d2ff923c-f863-4f67-af3e-e248204cbcba",{"id":1486,"type":1487,"tags":2363,"lang":16,"slug":1489,"first_publication_date":1490,"last_publication_date":1491,"uid":1492,"url":1343,"data":2364,"link_type":393,"key":2365,"isBroken":395},[],{"name":2065,"tag":2066},"60ecfc6c-ba07-4b24-a5c5-c407dc44c731",{"id":2367,"type":515,"tags":2368,"lang":16,"slug":2369,"first_publication_date":2370,"last_publication_date":2371,"uid":2369,"url":2372,"link_type":393,"key":2373,"isBroken":395},"aRw1YxAAACMA54Nm",[519,995,985,996,997,635],"truck-insurance","2025-11-19T15:24:55+0000","2026-09-04T12:55:51+0000","/truck-insurance","248b157f-3aa4-4097-a15a-987fde231128",{"dimensions":2375,"alt":2378,"copyright":9,"url":2379,"id":2380,"edit":2381},{"width":2376,"height":2377},2161,609,"Truck Insurance","https://images.prismic.io/miway-website/7cD-pFPYVCW5GRln_Set7.png?auto=format,compress","7cD-pFPYVCW5GRln",{"x":28,"y":28,"zoom":29,"background":30},[2383,2425,2451,2527,2554,2578,2605,2672,2699,2751,2781,2813,2837,2854],{"variation":1508,"version":1509,"items":2384,"primary":2385,"id":2424,"slice_type":1542,"slice_label":9},[],{"heading":2386,"content":2387,"link_heading":1363},"What South African Fleet Owners Should Know",[2388,2391,2394,2397,2404,2407,2413,2416,2419],{"type":70,"text":2389,"spans":2390,"direction":73},"Automatic and automated manual transmission trucks have changed the way modern fleets operate. But can changing the way your trucks change gears really improve fuel efficiency, driver comfort and fleet productivity?",[],{"type":70,"text":2392,"spans":2393,"direction":73},"Running a truck fleet is a numbers game.",[],{"type":70,"text":2395,"spans":2396,"direction":73},"Fuel consumption, maintenance, downtime, driver performance and vehicle utilisation can all influence what it costs to keep goods moving.",[],{"type":70,"text":2398,"spans":2399,"direction":73},"Fleet owners must also consider how their vehicles are protected. Miway’s Business Vehicles and Fleet Insurance provides cover options for commercial vehicles ranging from delivery vans and bakkies to long-distance trucks.",[2400],{"start":2401,"end":2402,"type":216,"data":2403},74,111,{"link_type":78,"url":1532,"target":1533},{"type":70,"text":2405,"spans":2406,"direction":73},"That’s one reason transmission technology deserves more attention than you might think.",[],{"type":70,"text":2408,"spans":2409,"direction":73},"Manual gearboxes were once the obvious choice for many heavy commercial vehicles. Today, automatic and automated manual transmissions (AMTs) have become increasingly important alternatives.",[2410],{"start":2411,"end":2412,"type":1540},103,140,{"type":70,"text":2414,"spans":2415,"direction":73},"But does that mean every fleet should drop the clutch and go automatic?",[],{"type":70,"text":2417,"spans":2418,"direction":73},"Not necessarily.",[],{"type":70,"text":2420,"spans":2421,"direction":73},"The better question is whether the technology suits your vehicles, drivers, routes and operating conditions.",[2422],{"start":2423,"end":1838,"type":1540},52,"article_content_text$549fcb3f-60db-42cc-a0f9-5ef7bdf5c8e8",{"variation":1508,"version":1509,"items":2426,"primary":2427,"id":2450,"slice_type":1542,"slice_label":9},[],{"heading":2428,"content":2429,"link_heading":1363},"What is an automated manual transmission in a truck?",[2430,2435,2438,2441,2444,2447],{"type":70,"text":2431,"spans":2432,"direction":73},"An Automated Manual Transmission – commonly shortened to AMT – combines the mechanical principles of a manual gearbox with automated clutch and gear selection.",[2433],{"start":2434,"end":1586,"type":1540},57,{"type":70,"text":2436,"spans":2437,"direction":73},"In simple terms, the truck can select and change gears without the driver manually operating a clutch pedal every time.",[],{"type":70,"text":2439,"spans":2440,"direction":73},"Modern systems can use information including vehicle speed, engine demand, load and road conditions to determine an appropriate gear.",[],{"type":70,"text":2442,"spans":2443,"direction":73},"For drivers, that can make operating a heavy vehicle considerably simpler, particularly in traffic or on routes requiring frequent gear changes.",[],{"type":70,"text":2445,"spans":2446,"direction":73},"For fleet owners, the potential benefits extend beyond driver convenience.",[],{"type":70,"text":2448,"spans":2449,"direction":73},"Easier gear selection may help reduce unnecessary driver workload on demanding routes. However, it remains important to train drivers on the specific vehicles they operate and monitor their performance over time.",[],"article_content_text$4b5273b1-ec90-4485-ba88-53318aaa1708",{"variation":1508,"version":1509,"items":2452,"primary":2453,"id":2526,"slice_type":1542,"slice_label":9},[],{"heading":2454,"content":2455,"link_heading":1363},"Are automatic trucks more fuel-efficient?",[2456,2459,2462,2465,2468,2471,2474,2477,2480,2483,2486,2489,2492,2495,2498,2501,2508,2511,2514,2517,2520],{"type":70,"text":2457,"spans":2458,"direction":73},"They can be, but there’s no universal percentage that applies to every truck or route.",[],{"type":70,"text":2460,"spans":2461,"direction":73},"Fuel consumption depends on many factors, including:",[],{"type":1592,"text":2463,"spans":2464,"direction":73},"Vehicle specification",[],{"type":1592,"text":2466,"spans":2467,"direction":73},"Transmission",[],{"type":1592,"text":2469,"spans":2470,"direction":73},"Load",[],{"type":1592,"text":2472,"spans":2473,"direction":73},"Route",[],{"type":1592,"text":2475,"spans":2476,"direction":73},"Terrain",[],{"type":1592,"text":2478,"spans":2479,"direction":73},"Traffic",[],{"type":1592,"text":2481,"spans":2482,"direction":73},"Tyre condition",[],{"type":1592,"text":2484,"spans":2485,"direction":73},"Driving behaviour",[],{"type":1592,"text":2487,"spans":2488,"direction":73},"Maintenance",[],{"type":1592,"text":2490,"spans":2491,"direction":73},"Engine performance",[],{"type":70,"text":2493,"spans":2494,"direction":73},"One potential advantage of an AMT is consistency.",[],{"type":70,"text":2496,"spans":2497,"direction":73},"An experienced driver may know exactly when to change gear to keep a truck operating efficiently. A less experienced driver may shift differently.",[],{"type":70,"text":2499,"spans":2500,"direction":73},"Automated systems can reduce some of that variation by managing gear selection electronically.",[],{"type":70,"text":2502,"spans":2503,"direction":73},"Current technology from UD Trucks, for example, uses information such as speed, acceleration, vehicle weight, road conditions and torque demand when managing gear changes.",[2504],{"start":2505,"end":1009,"type":216,"data":2506},24,{"link_type":78,"url":2507,"target":1533},"https://www.udtrucks.co.za/trucks/quester/fuel-efficiency",{"type":70,"text":2509,"spans":2510,"direction":73},"That doesn’t mean an AMT automatically makes every truck more economical.",[],{"type":70,"text":2512,"spans":2513,"direction":73},"It means transmission technology can become another tool in a broader fleet fuel-management strategy.",[],{"type":70,"text":2515,"spans":2516,"direction":73},"Fleet owners should compare fuel consumption across similar vehicles and routes rather than relying only on manufacturer estimates. Maintenance records, driver behaviour, load weight and downtime should all form part of the assessment.",[],{"type":70,"text":2518,"spans":2519,"direction":73},"Insurance should form another part of the fleet-management plan, although it does not replace preventative maintenance. Miway’s Business Vehicles and Fleet Insurance offers optional benefits such as vehicle loss-of-use cover and car, van or truck hire, depending on the selected cover and policy terms.",[],{"type":70,"text":2521,"spans":2522,"direction":73},"If the vehicles transport stock, raw materials or customers’ products, fleet owners should separately consider Goods in Transit Insurance. Commercial vehicle insurance protects the insured vehicle according to the policy, while goods-in-transit cover relates to the load being transported.",[2523],{"start":2402,"end":2524,"type":216,"data":2525},137,{"link_type":78,"url":1626,"target":1533},"article_content_text$2cbee345-c65c-458c-9825-faf3fffc8242",{"variation":1508,"version":1509,"items":2528,"primary":2529,"id":2553,"slice_type":1542,"slice_label":9},[],{"heading":2530,"content":2531,"link_heading":1363},"More consistent driving across the fleet",[2532,2535,2538,2541,2544,2547,2550],{"type":70,"text":2533,"spans":2534,"direction":73},"Put five drivers behind the wheel of the same manual truck and you may get five slightly different driving styles.",[],{"type":70,"text":2536,"spans":2537,"direction":73},"Some drivers change gear earlier.",[],{"type":70,"text":2539,"spans":2540,"direction":73},"Others hold a gear longer.",[],{"type":70,"text":2542,"spans":2543,"direction":73},"Some may use the clutch more aggressively than others.",[],{"type":70,"text":2545,"spans":2546,"direction":73},"With an automated transmission, more of the shifting process is controlled by the vehicle rather than individual driver technique.",[],{"type":70,"text":2548,"spans":2549,"direction":73},"That can create greater consistency across a fleet.",[],{"type":70,"text":2551,"spans":2552,"direction":73},"For fleet managers, consistency makes it easier to analyse vehicle performance because one variable – manual gear selection – becomes less dependent on individual driving style.",[],"article_content_text$062f3753-44d1-4fa3-8b0f-fcd625dfa7aa",{"variation":1508,"version":1509,"items":2555,"primary":2556,"id":2577,"slice_type":1542,"slice_label":9},[],{"heading":2557,"content":2558,"link_heading":1363},"Less clutch work can mean less driver fatigue",[2559,2562,2565,2568,2571,2574],{"type":70,"text":2560,"spans":2561,"direction":73},"Heavy traffic can make constant clutch and gear operation tiring.",[],{"type":70,"text":2563,"spans":2564,"direction":73},"For drivers spending hours behind the wheel, removing repeated manual shifts can make the driving environment more comfortable.",[],{"type":70,"text":2566,"spans":2567,"direction":73},"That doesn't remove the need for skilled professional drivers.",[],{"type":70,"text":2569,"spans":2570,"direction":73},"Drivers still need to understand vehicle behaviour, road conditions, braking, load management and safe driving techniques.",[],{"type":70,"text":2572,"spans":2573,"direction":73},"What automation can do is reduce some of the repetitive workload.",[],{"type":70,"text":2575,"spans":2576,"direction":73},"That may allow drivers to focus more attention on the road and the traffic around them.",[],"article_content_text$58a81596-48bd-4b13-a9bb-c64e32ed409d",{"variation":1508,"version":1509,"items":2579,"primary":2580,"id":2604,"slice_type":1542,"slice_label":9},[],{"heading":2581,"content":2582,"link_heading":1363},"Automatic transmissions can broaden driver accessibility",[2583,2586,2589,2592,2595,2598,2601],{"type":70,"text":2584,"spans":2585,"direction":73},"Experienced manual truck drivers remain highly valuable.",[],{"type":70,"text":2587,"spans":2588,"direction":73},"But fleets also need to think about recruitment, training and how easily drivers can move between vehicles.",[],{"type":70,"text":2590,"spans":2591,"direction":73},"Automated transmissions reduce one of the technical tasks involved in operating a heavy vehicle.",[],{"type":70,"text":2593,"spans":2594,"direction":73},"For some fleets, that can make vehicles easier to operate consistently across a larger driver pool.",[],{"type":70,"text":2596,"spans":2597,"direction":73},"However, driver training remains essential.",[],{"type":70,"text":2599,"spans":2600,"direction":73},"Automatic doesn't mean foolproof.",[],{"type":70,"text":2602,"spans":2603,"direction":73},"Drivers still need to understand the particular truck, its braking systems, operating limits, loads and safety procedures.",[],"article_content_text$07b835a4-6e6f-44cb-b2e0-af1183efc02b",{"variation":1508,"version":1509,"items":2606,"primary":2607,"id":2671,"slice_type":1542,"slice_label":9},[],{"heading":2608,"content":2609,"link_heading":1363},"Think about maintenance – not just fuel",[2610,2613,2616,2619,2622,2625,2628,2632,2635,2639,2642,2645,2648,2651,2654,2657,2660,2662,2665,2668],{"type":70,"text":2611,"spans":2612,"direction":73},"Fuel receives plenty of attention because it's a visible operating expense.",[],{"type":70,"text":2614,"spans":2615,"direction":73},"But fleet owners should also consider maintenance and downtime.",[],{"type":70,"text":2617,"spans":2618,"direction":73},"With a traditional manual transmission, clutch wear can be influenced significantly by the way the vehicle is driven.",[],{"type":70,"text":2620,"spans":2621,"direction":73},"An AMT automates clutch operation, potentially reducing some driver-related variation.",[],{"type":70,"text":2623,"spans":2624,"direction":73},"However, modern automated systems also contain sophisticated electronic and mechanical components.",[],{"type":70,"text":2626,"spans":2627,"direction":73},"That means the calculation shouldn't simply be:",[],{"type":70,"text":2629,"spans":2630,"direction":73},"“Will I replace fewer clutches?”",[2631],{"start":28,"end":705,"type":1540},{"type":70,"text":2633,"spans":2634,"direction":73},"Instead ask:",[],{"type":70,"text":2636,"spans":2637,"direction":73},"“What will this vehicle cost to operate over its entire working life?”",[2638],{"start":28,"end":118,"type":1540},{"type":70,"text":2640,"spans":2641,"direction":73},"That includes:",[],{"type":70,"text":2643,"spans":2644,"direction":73},"·        scheduled maintenance;",[],{"type":70,"text":2646,"spans":2647,"direction":73},"·        transmission servicing;",[],{"type":70,"text":2649,"spans":2650,"direction":73},"·        replacement parts;",[],{"type":70,"text":2652,"spans":2653,"direction":73},"·        repair costs;",[],{"type":70,"text":2655,"spans":2656,"direction":73},"·        fuel;",[],{"type":70,"text":2658,"spans":2659,"direction":73},"·        tyres;",[],{"type":70,"text":1893,"spans":2661,"direction":73},[],{"type":70,"text":2663,"spans":2664,"direction":73},"·        expected downtime;",[],{"type":70,"text":2666,"spans":2667,"direction":73},"·        manufacturer support; and",[],{"type":70,"text":2669,"spans":2670,"direction":73},"·        resale value.",[],"article_content_text$8ff380d5-d7be-49af-9efc-8295748d8121",{"variation":1508,"version":1509,"items":2673,"primary":2674,"id":2698,"slice_type":1542,"slice_label":9},[],{"heading":2675,"content":2676,"link_heading":1363},"What are the disadvantages of automatic or AMT trucks?",[2677,2680,2683,2686,2692,2695],{"type":70,"text":2678,"spans":2679,"direction":73},"Automatic technology isn't automatically the right answer for every fleet.",[],{"type":70,"text":2681,"spans":2682,"direction":73},"Potential considerations can include a higher purchase price on certain models, specialised repair requirements and different performance characteristics depending on the application.",[],{"type":70,"text":2684,"spans":2685,"direction":73},"Some experienced drivers may also prefer the additional manual control offered by traditional transmissions in particular operating environments.",[],{"type":70,"text":2687,"spans":2688,"direction":73},"That's why fleet managers should compare vehicles based on total cost of ownership, not transmission type alone.",[2689],{"start":2690,"end":2691,"type":1540},59,82,{"type":70,"text":2693,"spans":2694,"direction":73},"A truck that costs more upfront could potentially deliver operational savings elsewhere.",[],{"type":70,"text":2696,"spans":2697,"direction":73},"Equally, buying an automated truck doesn't guarantee those savings if the vehicle isn't suited to the routes and work it performs.",[],"article_content_text$71c0ed32-5aea-4379-9fa5-46b190ee6689",{"variation":1508,"version":1509,"items":2700,"primary":2701,"id":2750,"slice_type":1542,"slice_label":9},[],{"heading":2702,"content":2703,"link_heading":1363},"What should fleet owners compare before buying?",[2704,2707,2710,2713,2715,2718,2721,2724,2727,2730,2732,2735,2738,2741,2744,2747],{"type":70,"text":2705,"spans":2706,"direction":73},"Before deciding between manual, automatic or AMT trucks, look at your actual operation.",[],{"type":2708,"text":2472,"spans":2709,"direction":73},"heading3",[],{"type":70,"text":2711,"spans":2712,"direction":73},"Does the truck spend most of its time on long-distance highways, congested urban routes, construction sites or demanding terrain?",[],{"type":2708,"text":2469,"spans":2714,"direction":73},[],{"type":70,"text":2716,"spans":2717,"direction":73},"What does the vehicle normally carry, and how consistent is that load?",[],{"type":2708,"text":2719,"spans":2720,"direction":73},"Drivers",[],{"type":70,"text":2722,"spans":2723,"direction":73},"How experienced are your drivers, and how much training will they require?",[],{"type":2708,"text":2725,"spans":2726,"direction":73},"Fuel consumption",[],{"type":70,"text":2728,"spans":2729,"direction":73},"Compare real manufacturer specifications and, where possible, operational fleet data rather than relying on a general assumption about automatic versus manual transmissions.",[],{"type":2708,"text":2487,"spans":2731,"direction":73},[],{"type":70,"text":2733,"spans":2734,"direction":73},"What servicing does the transmission require, and how easily can parts and technical support be accessed?",[],{"type":2708,"text":2736,"spans":2737,"direction":73},"Downtime",[],{"type":70,"text":2739,"spans":2740,"direction":73},"If the vehicle needs specialist transmission repairs, how quickly can it return to service?",[],{"type":2708,"text":2742,"spans":2743,"direction":73},"Total cost of ownership",[],{"type":70,"text":2745,"spans":2746,"direction":73},"Consider purchase price, finance, fuel, maintenance, downtime and expected resale value together.",[],{"type":70,"text":2748,"spans":2749,"direction":73},"The cheapest truck to buy isn't necessarily the cheapest truck to operate.",[],"article_content_text$72ab6f16-b30e-42cb-b26a-74767ce34494",{"variation":1508,"version":1509,"items":2752,"primary":2753,"id":2780,"slice_type":1542,"slice_label":9},[],{"heading":2754,"content":2755,"link_heading":1363},"Technology doesn't remove fleet risk",[2756,2759,2762,2765,2768,2771,2774,2777],{"type":70,"text":2757,"spans":2758,"direction":73},"A more efficient transmission can potentially help reduce operating costs.",[],{"type":70,"text":2760,"spans":2761,"direction":73},"But it can't protect a truck against every risk it faces on the road.",[],{"type":70,"text":2763,"spans":2764,"direction":73},"Accidents, theft, hijacking, vehicle damage and other unexpected events can still interrupt operations.",[],{"type":70,"text":2766,"spans":2767,"direction":73},"And when a commercial vehicle is off the road, the financial impact can go beyond repairing the truck.",[],{"type":70,"text":2769,"spans":2770,"direction":73},"Deliveries can be delayed.",[],{"type":70,"text":2772,"spans":2773,"direction":73},"Customers can be affected.",[],{"type":70,"text":2775,"spans":2776,"direction":73},"Revenue-generating work may have to stop.",[],{"type":70,"text":2778,"spans":2779,"direction":73},"That's why vehicle technology and risk management should be considered together.",[],"article_content_text$3f695211-0e8b-44ae-a164-3440961fd22c",{"variation":1508,"version":1509,"items":2782,"primary":2783,"id":2812,"slice_type":1542,"slice_label":9},[],{"heading":2784,"content":2785,"link_heading":395},"Where does fleet insurance fit in?",[2786,2791,2798,2805,2809],{"type":70,"text":2787,"spans":2788,"direction":73},"If trucks are essential to your operation, protecting them should form part of your wider business insurance strategy.",[2789],{"start":1623,"end":2790,"type":1540},108,{"type":70,"text":2792,"spans":2793,"direction":73},"Miway Fleet Insurance allows businesses operating multiple vehicles to manage their vehicles under a fleet approach rather than treating every vehicle as an isolated risk.",[2794],{"start":28,"end":2795,"type":216,"data":2796},21,{"link_type":78,"url":2797,"target":135},"https://www.miway.co.za/blog/fleet-insurance-explained-for-business-vehicles",{"type":70,"text":2799,"spans":2800,"direction":73},"For businesses using individual trucks, bakkies, vans or other work vehicles, commercial vehicle insurance can help protect vehicles used for business purposes against insured events, subject to the policy terms and cover selected.",[2801],{"start":2086,"end":2802,"type":216,"data":2803},106,{"link_type":78,"url":2804,"target":135},"https://www.miway.co.za/blog/business-insurance/what-you-need-to-know-about-commercial-vehicle-insurance",{"type":70,"text":2806,"spans":2807,"direction":73},"The important point is that your business insurance should keep pace with your fleet.",[2808],{"start":1009,"end":2217,"type":1540},{"type":70,"text":2810,"spans":2811,"direction":73},"If you replace vehicles, expand the fleet, change the way vehicles are used or significantly change their values, review your cover rather than assuming an old policy still reflects the operation",[],"article_content_text$b99fd4d2-24fb-462f-888a-b79708f3b2c4",{"variation":1508,"version":1509,"items":2814,"primary":2815,"id":2836,"slice_type":1542,"slice_label":9},[],{"heading":2816,"content":2817,"link_heading":1363},"Should your fleet go automatic?",[2818,2821,2824,2827,2830,2833],{"type":70,"text":2819,"spans":2820,"direction":73},"There isn't one answer for every transport business.",[],{"type":70,"text":2822,"spans":2823,"direction":73},"Automatic and automated manual transmissions can offer advantages including consistent gear selection, reduced driver workload and potentially improved operating efficiency.",[],{"type":70,"text":2825,"spans":2826,"direction":73},"But the business case needs to be tested against your own routes, vehicles, drivers, maintenance requirements and total cost of ownership.",[],{"type":70,"text":2828,"spans":2829,"direction":73},"Don't choose automatic simply because the technology is newer.",[],{"type":70,"text":2831,"spans":2832,"direction":73},"And don't choose manual simply because that's what the fleet has always used.",[],{"type":70,"text":2834,"spans":2835,"direction":73},"Choose the technology that helps your operation perform efficiently, reliably and safely.",[],"article_content_text$b43082c3-ab5e-41f2-84ab-92971a531d59",{"variation":1508,"version":1509,"items":2838,"primary":2839,"id":2853,"slice_type":1542,"slice_label":9},[],{"heading":2840,"content":2841,"link_heading":1363},"Keep your fleet moving",[2842,2845,2848],{"type":70,"text":2843,"spans":2844,"direction":73},"Your trucks help generate revenue, serve customers and keep your operation running.",[],{"type":70,"text":2846,"spans":2847,"direction":73},"Make sure your fleet strategy considers more than purchase price – from fuel and maintenance to driver performance, downtime and risk.",[],{"type":70,"text":2849,"spans":2850,"direction":73},"Explore Miway Business Insurance and find vehicle and fleet cover suited to the way your business operates.",[2851],{"start":28,"end":705,"type":216,"data":2852},{"link_type":78,"url":1956,"target":135},"article_content_text$49921892-6885-4f2d-88bb-43ca83c14907",{"variation":1757,"version":1509,"items":2855,"primary":2856,"id":2919,"slice_type":1542,"slice_label":9},[],{"heading":2857,"content":2858,"sub_sections":2859,"link_heading":1363},"10 FAQs",[],[2860,2865,2871,2877,2883,2889,2895,2901,2907,2913],{"subheading":2428,"list":2861,"link_subsection":1363},[2862],{"type":70,"text":2863,"spans":2864,"direction":73},"An automated manual transmission uses a conventional mechanical gearbox with electronically controlled clutch and gear changes. It reduces manual shifting while differing mechanically from a traditional torque-converter automatic.",[],{"subheading":2866,"list":2867,"link_subsection":1363},"Are automatic trucks more fuel-efficient than manual trucks?",[2868],{"type":70,"text":2869,"spans":2870,"direction":73},"They can improve consistency by selecting gears according to programmed logic, route and load conditions. Actual fuel use still depends on vehicle specification, payload, terrain, speed, maintenance and driver behaviour.",[],{"subheading":2872,"list":2873,"link_subsection":1363},"Can an AMT reduce driver fatigue?",[2874],{"type":70,"text":2875,"spans":2876,"direction":73},"Yes. Reducing repeated clutch and gear work can lower physical workload, especially in congestion or stop-start routes. Drivers still need alertness, training and safe operating habits.",[],{"subheading":2878,"list":2879,"link_subsection":1363},"Do automatic trucks require less driver training?",[2880],{"type":70,"text":2881,"spans":2882,"direction":73},"They may be easier to operate consistently, but model-specific training remains important. Drivers must understand modes, hill starts, braking systems, loads and how the transmission responds on difficult terrain.",[],{"subheading":2884,"list":2885,"link_subsection":1363},"What are the disadvantages of automatic trucks?",[2886],{"type":70,"text":2887,"spans":2888,"direction":73},"Possible disadvantages include higher purchase prices, specialised diagnostics, different repair costs and poor performance if the specification does not suit the route or load.",[],{"subheading":2890,"list":2891,"link_subsection":1363},"Are AMT trucks cheaper to maintain?",[2892],{"type":70,"text":2893,"spans":2894,"direction":73},"Not always. Less clutch abuse may help in some fleets, but electronic controls and specialised components can be costly. Compare scheduled maintenance, component life, dealer support and downtime.",[],{"subheading":2896,"list":2897,"link_subsection":1363},"What should a fleet compare before buying an automatic truck?",[2898],{"type":70,"text":2899,"spans":2900,"direction":73},"Compare route, load, fuel data, driver needs, service support, parts availability, maintenance costs, downtime, resale value and total cost over the expected operating life.",[],{"subheading":2902,"list":2903,"link_subsection":1363},"Are automatic trucks suitable for long-haul routes?",[2904],{"type":70,"text":2905,"spans":2906,"direction":73},"They can be well suited to long-haul work when the vehicle, transmission ratios and support network match the route and payload. A controlled trial using fleet data is preferable to assumptions.",[],{"subheading":2908,"list":2909,"link_subsection":1363},"Does truck transmission type affect insurance?",[2910],{"type":70,"text":2911,"spans":2912,"direction":73},"Transmission type is one factor among vehicle value, repair cost, use, routes, drivers and claims history. Give the insurer accurate vehicle specifications and operating information.",[],{"subheading":2914,"list":2915,"link_subsection":1363},"Should an entire fleet switch to automatic trucks at once?",[2916],{"type":70,"text":2917,"spans":2918,"direction":73},"A phased pilot is often more practical. Test selected vehicles on representative routes, track fuel, downtime, maintenance and driver feedback, then compare results before scaling.",[],"article_content_text$9df80821-3f18-4e39-92cf-074354bfc3ca","Automatic vs Manual Trucks for Fleets | Miway Business Insurance","Compare automatic, automated manual and manual trucks by fuel use, driver fatigue, maintenance, route suitability and total fleet ownership cost.risk.","business insurance",{"dimensions":2924,"alt":2378,"copyright":9,"url":2925,"id":2380,"edit":2926},{"width":2029,"height":2030},"https://images.prismic.io/miway-website/7cD-pFPYVCW5GRln_Set7.png?auto=format,compress&rect=501,0,1160,609&w=2400&h=1260",{"x":2927,"y":28,"zoom":29,"background":30},501,{"link_type":35},[2930],{"type":70,"text":2389,"spans":2931,"direction":73},[],{"id":2933,"type":2336,"tags":2934,"lang":16,"slug":2935,"first_publication_date":2936,"last_publication_date":2937,"uid":2938,"link_type":393,"key":2939,"isBroken":395},"ZwY4_BAAACAAqBd3",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block","fbc5c1e5-f187-4be2-92f1-5fccba3c721a",[],{"dimensions":2942,"alt":2378,"copyright":9,"url":2379,"id":2380,"edit":2943},{"width":2376,"height":2377},{"x":28,"y":28,"zoom":29,"background":30},{"id":2945,"uid":2946,"url":2947,"type":1469,"href":2948,"tags":2949,"first_publication_date":2951,"last_publication_date":2951,"slugs":2952,"linked_documents":2954,"lang":16,"alternate_languages":2955,"data":2956},"arGxMBYAADMAFTHP","women-in-logistics-entrepreneurship-lessons-from-nonkosi-dyantyi","/blog/women-in-logistics-entrepreneurship-lessons-from-nonkosi-dyantyi","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=arup2xYAAC4AJQnc&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22arGxMBYAADMAFTHP%22%29+%5D%5D",[635,985,958,2950],"Insurance","2026-09-22T11:11:45+0000",[2953],"2026-09-22t0400000000",[],[],{"date":2957,"heading":2958,"duration":9,"article_type":2959,"category":2962,"related_product":2966,"thumbnail":2969,"type":1505,"related_insurance":9,"slices":2975,"meta_title":3563,"meta_description":3564,"meta_keywords":9,"meta_image":3565,"canonical":3569,"intro":3570,"author":2038,"service_block":3573,"in_this_article":3576,"hero_image":3577},"2026-09-22T04:00:00+0000","Women in logistics: Entrepreneurship lessons from Nonkosi Dyantyi",{"id":1481,"type":1339,"tags":2960,"lang":16,"slug":639,"first_publication_date":1483,"last_publication_date":1483,"uid":639,"url":1343,"link_type":393,"key":2961,"isBroken":395},[],"116e377d-cd4c-4b40-8ccf-405b068eefd8",{"id":1486,"type":1487,"tags":2963,"lang":16,"slug":1489,"first_publication_date":1490,"last_publication_date":1491,"uid":1492,"url":1343,"data":2964,"link_type":393,"key":2965,"isBroken":395},[],{"name":2065,"tag":2066},"dad2b7ac-ac07-43c6-b257-5a3e4c38d3c2",{"id":1249,"type":515,"tags":2967,"lang":16,"slug":1251,"first_publication_date":1252,"last_publication_date":1253,"uid":1254,"url":1255,"link_type":393,"key":2968,"isBroken":395},[635,985,519],"1187aecb-4f16-41eb-a3cd-d8a0b46bec1c",{"dimensions":2970,"alt":2971,"copyright":9,"url":2972,"id":2973,"edit":2974},{"width":2376,"height":2377},"woman in business","https://images.prismic.io/miway-website/Y6ldUqXVDD57naqM_Set6.png?auto=format,compress","Y6ldUqXVDD57naqM",{"x":28,"y":28,"zoom":29,"background":30},[2976,3017,3060,3090,3123,3182,3218,3263,3304,3365,3395,3419,3458,3479,3498],{"variation":1508,"version":1509,"items":2977,"primary":2978,"id":3016,"slice_type":1542,"slice_label":9},[],{"heading":2979,"content":2980,"link_heading":1363},"Entrepreneurship lessons from Nonkosi Dyantyi",[2981,2984,2987,2990,2993,2996,3003,3006,3009],{"type":70,"text":2982,"spans":2983,"direction":73},"How a South African woman entrepreneur built her place in logistics, and the lessons business owners can take from her journey.",[],{"type":70,"text":2985,"spans":2986,"direction":73},"Building a business takes ambition. Building one in an industry where few people around the table look like you can demand something more: resilience, confidence, strong relationships and a willingness to keep learning.",[],{"type":70,"text":2988,"spans":2989,"direction":73},"Nonkosi Dyantyi knows that first-hand.",[],{"type":70,"text":2991,"spans":2992,"direction":73},"As the founder and CEO of Lebama Group Logistics, she entered an industry traditionally dominated by men while also navigating the realities of entrepreneurship and motherhood.",[],{"type":70,"text":2994,"spans":2995,"direction":73},"Her experience is particularly relevant today.",[],{"type":70,"text":2997,"spans":2998,"direction":73},"According to the World Economic Forum, African women have the highest rate of female entrepreneurship globally, at 26%.",[2999],{"start":1564,"end":3000,"type":216,"data":3001},37,{"link_type":78,"url":3002,"target":1533},"https://www.weforum.org/stories/2025/01/davos-2025-here-s-what-was-top-of-the-agenda-for-leaders-from-africa/",{"type":70,"text":3004,"spans":3005,"direction":73},"But starting a business and building one that can survive, scale and create a lasting legacy are very different challenges.",[],{"type":70,"text":3007,"spans":3008,"direction":73},"For Nonkosi, the journey has required resilience, good people, smart risk management and the confidence to keep going when quitting would have been easier.",[],{"type":70,"text":3010,"spans":3011,"direction":73},"For logistics entrepreneurs, risk management can include looking after vehicles, drivers, transported goods and business operations. Appropriate business insurance can form part of this broader approach as a company grows.",[3012],{"start":3013,"end":3014,"type":216,"data":3015},145,163,{"link_type":78,"url":1956,"target":1533},"article_content_text$a9b4e9f3-97f3-4f0e-9ca8-e16c79f3a367",{"variation":1508,"version":1509,"items":3018,"primary":3019,"id":3059,"slice_type":1542,"slice_label":9},[],{"heading":3020,"content":3021,"link_heading":1363},"From communications to logistics entrepreneur",[3022,3025,3028,3031,3034,3037,3040,3043,3046,3049,3052],{"type":70,"text":3023,"spans":3024,"direction":73},"Running a logistics fleet wasn’t always part of Nonkosi’s career plan.",[],{"type":70,"text":3026,"spans":3027,"direction":73},"Before starting Lebama Group Logistics in 2021, she worked in communications roles at companies including Sasol, Total and Goodyear.",[],{"type":70,"text":3029,"spans":3030,"direction":73},"Those roles brought her into contact with people operating transport and logistics businesses and gave her an understanding of how the industry worked.",[],{"type":70,"text":3032,"spans":3033,"direction":73},"Over time, she began to see an opportunity.",[],{"type":70,"text":3035,"spans":3036,"direction":73},"More importantly, she began to see herself in it.",[],{"type":70,"text":3038,"spans":3039,"direction":73},"“I’ve always been one to do things a bit differently,” says Nonkosi.",[],{"type":70,"text":3041,"spans":3042,"direction":73},"Her first role model was her mother, who worked as a domestic worker before becoming a teacher and transforming the direction of her own life.",[],{"type":70,"text":3044,"spans":3045,"direction":73},"That example left Nonkosi with an important lesson: where you start doesn’t have to determine where you finish.",[],{"type":70,"text":3047,"spans":3048,"direction":73},"She may not initially have had the same technical background as some people already working in logistics, but she had experience, determination and the willingness to learn.",[],{"type":70,"text":3050,"spans":3051,"direction":73},"Those qualities became part of her competitive advantage.",[],{"type":70,"text":3053,"spans":3054,"direction":73},"As a logistics business expands, however, ambition must be supported by practical systems. This includes maintaining vehicles, checking driver credentials, keeping accurate fleet records and reviewing whether the company has suitable business vehicle and fleet insurance.",[3055],{"start":3056,"end":3057,"type":216,"data":3058},234,270,{"link_type":78,"url":1532,"target":1533},"article_content_text$8dc2ae29-7609-45ee-be23-b8dfca0dba3e",{"variation":1508,"version":1509,"items":3061,"primary":3062,"id":3089,"slice_type":1542,"slice_label":9},[],{"heading":3063,"content":3064,"link_heading":1363},"What helps women entrepreneurs succeed?",[3065,3068,3071,3074,3082],{"type":70,"text":3066,"spans":3067,"direction":73},"There is no single formula for entrepreneurial success.",[],{"type":70,"text":3069,"spans":3070,"direction":73},"However, research into women entrepreneurs in South Africa repeatedly identifies factors including resilience, financial and human capital, innovation, professional networks and the ability to manage work-life demands.",[],{"type":70,"text":3072,"spans":3073,"direction":73},"Nonkosi’s story brings several of those factors to life.",[],{"type":70,"text":3075,"spans":3076,"direction":73},"Entrepreneurs do not have to handle every operational challenge alone. Business support services such as MiBusiness Assist can provide access to assistance with administration, marketing, IT, legal matters and financial guidance, depending on the selected service.",[3077],{"start":3078,"end":3079,"type":216,"data":3080},105,122,{"link_type":78,"url":3081,"target":1533},"https://www.miway.co.za/business-insurance/mibusinessassist?utm_source=chatgpt.com",{"type":70,"text":3083,"spans":3084,"direction":73},"For entrepreneurs in transport and logistics, success also requires disciplined risk management. A reliable fleet may keep the business moving, but the goods being transported can represent an equally important financial exposure. Goods in Transit Insurance can provide cover for specified goods transported by road, subject to the policy’s terms and selected cover.",[3085],{"start":3086,"end":3087,"type":216,"data":3088},231,257,{"link_type":78,"url":1626,"target":1533},"article_content_text$d3d57fa1-b067-4e8f-b7c8-c74dab8d6ab2",{"variation":1508,"version":1509,"items":3091,"primary":3092,"id":3122,"slice_type":1542,"slice_label":9},[],{"heading":3093,"content":3094,"link_heading":1363},"Resilience matters more than pretending everything is easy",[3095,3098,3101,3104,3107,3110,3113,3116,3119],{"type":70,"text":3096,"spans":3097,"direction":73},"Entrepreneurship rarely follows a straight line.",[],{"type":70,"text":3099,"spans":3100,"direction":73},"There are customers to win, cash flow to manage, vehicles and suppliers to coordinate and decisions to make without always knowing exactly how things will turn out.",[],{"type":70,"text":3102,"spans":3103,"direction":73},"Nonkosi is open about having experienced moments when she wanted to give up.",[],{"type":70,"text":3105,"spans":3106,"direction":73},"What kept her moving was her determination to win and the support of other women in the logistics industry.",[],{"type":70,"text":3108,"spans":3109,"direction":73},"That distinction matters.",[],{"type":70,"text":3111,"spans":3112,"direction":73},"Being resilient doesn't mean never doubting yourself.",[],{"type":70,"text":3114,"spans":3115,"direction":73},"It means continuing to make decisions and move forward even when doubt appears.",[],{"type":70,"text":3117,"spans":3118,"direction":73},"South African research into female entrepreneurship has similarly identified resilience as an important contributor to entrepreneurial success.",[],{"type":70,"text":3120,"spans":3121,"direction":73},"For an entrepreneur, that might mean learning from a failed pitch, changing a business process that isn't working or asking for help rather than assuming you have to solve everything alone.",[],"article_content_text$4972f629-cfe1-4a31-b14c-3d27784718ed",{"variation":1508,"version":1509,"items":3124,"primary":3125,"id":3181,"slice_type":1542,"slice_label":9},[],{"heading":3126,"content":3127,"link_heading":1363},"You don't need to know everything – but you need the right people",[3128,3131,3134,3137,3140,3143,3148,3151,3154,3157,3160,3163,3166,3169,3172,3175,3178],{"type":70,"text":3129,"spans":3130,"direction":73},"One of the strongest lessons in Nonkosi's story is the role other people have played.",[],{"type":70,"text":3132,"spans":3133,"direction":73},"She credits experienced women in the industry with helping her develop her knowledge, close gaps and navigate the logistics sector.",[],{"type":70,"text":3135,"spans":3136,"direction":73},"That is an important entrepreneurial lesson.",[],{"type":70,"text":3138,"spans":3139,"direction":73},"Business owners often feel they have to be experts in sales, finance, operations, compliance, marketing, technology and people management all at once.",[],{"type":70,"text":3141,"spans":3142,"direction":73},"They don't.",[],{"type":70,"text":3144,"spans":3145,"direction":73},"Knowing where you need expertise and who can provide it can be far more valuable.",[3146],{"start":1529,"end":3147,"type":1540},55,{"type":70,"text":3149,"spans":3150,"direction":73},"A strong entrepreneurial network may include:",[],{"type":70,"text":3152,"spans":3153,"direction":73},"·        experienced business owners;",[],{"type":70,"text":3155,"spans":3156,"direction":73},"·        mentors;",[],{"type":70,"text":3158,"spans":3159,"direction":73},"·        accountants and financial advisers;",[],{"type":70,"text":3161,"spans":3162,"direction":73},"·        legal and compliance specialists;",[],{"type":70,"text":3164,"spans":3165,"direction":73},"·        suppliers;",[],{"type":70,"text":3167,"spans":3168,"direction":73},"·        industry associations;",[],{"type":70,"text":3170,"spans":3171,"direction":73},"·        technology partners; and",[],{"type":70,"text":3173,"spans":3174,"direction":73},"·        insurance and risk specialists.",[],{"type":70,"text":3176,"spans":3177,"direction":73},"Good partnerships don't remove every business challenge.",[],{"type":70,"text":3179,"spans":3180,"direction":73},"They can make those challenges easier to understand and manage.",[],"article_content_text$63790d05-4f98-457a-926d-4aaa9bccb124",{"variation":1508,"version":1509,"items":3183,"primary":3184,"id":3217,"slice_type":1542,"slice_label":9},[],{"heading":3185,"content":3186,"link_heading":1363},"Being a woman in a male-dominated industry can bring additional challenges",[3187,3190,3193,3196,3199,3202,3205,3208,3211,3214],{"type":70,"text":3188,"spans":3189,"direction":73},"The logistics sector is changing, but women remain under-represented in many senior positions.",[],{"type":70,"text":3191,"spans":3192,"direction":73},"For entrepreneurs such as Nonkosi, that can mean needing to establish credibility while simultaneously learning the technical and commercial realities of running the company.",[],{"type":70,"text":3194,"spans":3195,"direction":73},"Her approach was not to pretend she knew everything.",[],{"type":70,"text":3197,"spans":3198,"direction":73},"She backed the strengths she already had and learned the parts she didn't.",[],{"type":70,"text":3200,"spans":3201,"direction":73},"That's an important distinction for anyone entering an unfamiliar industry.",[],{"type":70,"text":3203,"spans":3204,"direction":73},"You don't need to arrive as the finished product.",[],{"type":70,"text":3206,"spans":3207,"direction":73},"You need to be willing to develop.",[],{"type":70,"text":3209,"spans":3210,"direction":73},"For women considering industries in which they remain under-represented, Nonkosi's experience also shows why visible role models matter.",[],{"type":70,"text":3212,"spans":3213,"direction":73},"Seeing someone else build a successful business can make an opportunity feel possible.",[],{"type":70,"text":3215,"spans":3216,"direction":73},"Becoming that example can help the next entrepreneur believe the same.",[],"article_content_text$3d546807-2896-40b5-b681-3006ffebd966",{"variation":1508,"version":1509,"items":3219,"primary":3220,"id":3262,"slice_type":1542,"slice_label":9},[],{"heading":3221,"content":3222,"link_heading":1363},"Access to funding remains part of the conversation",[3223,3226,3229,3232,3235,3238,3241,3244,3247,3250,3253,3256,3259],{"type":70,"text":3224,"spans":3225,"direction":73},"Confidence and resilience are valuable, but they don't pay for vehicles, equipment, stock or working capital.",[],{"type":70,"text":3227,"spans":3228,"direction":73},"Recent South African research continues to identify access to finance, collateral and financial skills as significant challenges for women entrepreneurs.",[],{"type":70,"text":3230,"spans":3231,"direction":73},"That means a growing business needs more than ambition.",[],{"type":70,"text":3233,"spans":3234,"direction":73},"It needs financial discipline.",[],{"type":70,"text":3236,"spans":3237,"direction":73},"Entrepreneurs should understand:",[],{"type":70,"text":3239,"spans":3240,"direction":73},"·        how much cash the business needs to operate;",[],{"type":70,"text":3242,"spans":3243,"direction":73},"·        when customers are likely to pay;",[],{"type":70,"text":3245,"spans":3246,"direction":73},"·        which expenses are fixed;",[],{"type":70,"text":3248,"spans":3249,"direction":73},"·        what growth will cost;",[],{"type":70,"text":3251,"spans":3252,"direction":73},"·        what assets the business needs;",[],{"type":70,"text":3254,"spans":3255,"direction":73},"·        which risks could create unexpected costs; and",[],{"type":70,"text":3257,"spans":3258,"direction":73},"·        how much financial pressure the company could absorb if something went wrong.",[],{"type":70,"text":3260,"spans":3261,"direction":73},"The better you understand the numbers behind your business, the better prepared you are when speaking to lenders, investors and other potential funding partners.",[],"article_content_text$b8d00a28-1c2e-406c-b28b-85b98cff4f09",{"variation":1508,"version":1509,"items":3264,"primary":3265,"id":3303,"slice_type":1542,"slice_label":9},[],{"heading":3266,"content":3267,"link_heading":1363},"Protect the assets that help the business earn",[3268,3271,3274,3277,3280,3283,3288,3297,3300],{"type":70,"text":3269,"spans":3270,"direction":73},"For a logistics company, vehicles aren't simply assets.",[],{"type":70,"text":3272,"spans":3273,"direction":73},"They're how the business delivers.",[],{"type":70,"text":3275,"spans":3276,"direction":73},"If a truck is damaged, cargo is lost or operations are interrupted, the financial effect can spread quickly.",[],{"type":70,"text":3278,"spans":3279,"direction":73},"Revenue can stop while expenses continue.",[],{"type":70,"text":3281,"spans":3282,"direction":73},"That's why risk management became another important part of Nonkosi's entrepreneurial journey.",[],{"type":70,"text":3284,"spans":3285,"direction":73},"The right business insurance should reflect what the business actually depends on.",[3286],{"start":3287,"end":1669,"type":1540},10,{"type":70,"text":3289,"spans":3290,"direction":73},"For a logistics operator, that could mean looking at areas such as business vehicle and fleet insurance, Goods in Transit insurance and other relevant forms of business protection depending on how the company operates.",[3291,3293],{"start":215,"end":2411,"type":216,"data":3292},{"link_type":78,"url":1930,"target":135},{"start":3078,"end":3294,"type":216,"data":3295},131,{"link_type":78,"url":3296,"target":135},"https://www.miway.co.za/blog/goods-in-transit-insurance-explained",{"type":70,"text":3298,"spans":3299,"direction":73},"The objective isn't to insure everything simply for the sake of having more cover.",[],{"type":70,"text":3301,"spans":3302,"direction":73},"It's to identify which losses could seriously disrupt the business and determine how those risks should be managed.",[],"article_content_text$d65109f4-9048-45f7-9d59-85306f021357",{"variation":1508,"version":1509,"items":3305,"primary":3306,"id":3364,"slice_type":1542,"slice_label":9},[],{"heading":3307,"content":3308,"link_heading":1363},"Why is business insurance particularly important as a company grows?",[3309,3312,3315,3318,3321,3324,3329,3332,3335,3338,3341,3344,3347,3350,3353,3356],{"type":70,"text":3310,"spans":3311,"direction":73},"Growth changes risk.",[],{"type":70,"text":3313,"spans":3314,"direction":73},"One vehicle can become five.",[],{"type":70,"text":3316,"spans":3317,"direction":73},"One employee can become a team.",[],{"type":70,"text":3319,"spans":3320,"direction":73},"One important customer can become several major contracts.",[],{"type":70,"text":3322,"spans":3323,"direction":73},"You may acquire more equipment, move into premises or start transporting higher-value goods.",[],{"type":70,"text":3325,"spans":3326,"direction":73},"The business insurance that suited a company when it started may therefore no longer reflect what the business looks like several years later.",[3327],{"start":156,"end":3328,"type":1540},22,{"type":70,"text":3330,"spans":3331,"direction":73},"Business owners should periodically review:",[],{"type":70,"text":3333,"spans":3334,"direction":73},"·        vehicles and their values;",[],{"type":70,"text":3336,"spans":3337,"direction":73},"·        goods being transported;",[],{"type":70,"text":3339,"spans":3340,"direction":73},"·        business equipment;",[],{"type":70,"text":3342,"spans":3343,"direction":73},"·        premises;",[],{"type":70,"text":3345,"spans":3346,"direction":73},"·        liability exposure;",[],{"type":70,"text":3348,"spans":3349,"direction":73},"·        employees and authorised drivers;",[],{"type":70,"text":3351,"spans":3352,"direction":73},"·        business interruption risks; and",[],{"type":70,"text":3354,"spans":3355,"direction":73},"·        changes in contracts or customers.",[],{"type":70,"text":3357,"spans":3358,"direction":73},"You can read more in Miway's guide to business insurance for growing businesses.",[3359],{"start":3360,"end":3361,"type":216,"data":3362},38,79,{"link_type":78,"url":3363,"target":135},"https://www.miway.co.za/blog/business-insurance-explained-what-growing-businesses-actually-need","article_content_text$1ee658bb-5f50-444c-b02d-6530b423147f",{"variation":1508,"version":1509,"items":3366,"primary":3367,"id":3394,"slice_type":1542,"slice_label":9},[],{"heading":3368,"content":3369,"link_heading":1363},"Success doesn't have to mean choosing between business and family",[3370,3373,3376,3379,3382,3385,3388,3391],{"type":70,"text":3371,"spans":3372,"direction":73},"One of the most personal parts of Nonkosi's journey has been balancing entrepreneurship with motherhood.",[],{"type":70,"text":3374,"spans":3375,"direction":73},"She doesn't pretend that balance has always been easy.",[],{"type":70,"text":3377,"spans":3378,"direction":73},"Growing the business has sometimes required sacrifices and difficult choices.",[],{"type":70,"text":3380,"spans":3381,"direction":73},"But family is also one of the reasons she keeps going.",[],{"type":70,"text":3383,"spans":3384,"direction":73},"For Nonkosi, entrepreneurship is about creating a legacy for her children and showing them that owning and building something of their own is possible.",[],{"type":70,"text":3386,"spans":3387,"direction":73},"That changes the meaning of success.",[],{"type":70,"text":3389,"spans":3390,"direction":73},"It's not simply turnover, fleet size or the next contract.",[],{"type":70,"text":3392,"spans":3393,"direction":73},"It's also about creating something that can outlast you.",[],"article_content_text$56bb55a6-476b-4403-8ceb-f013ae2ea81a",{"variation":1508,"version":1509,"items":3396,"primary":3397,"id":3418,"slice_type":1542,"slice_label":9},[],{"heading":3398,"content":3399,"link_heading":1363},"Can women succeed in male-dominated industries?",[3400,3403,3406,3409,3412,3415],{"type":70,"text":3401,"spans":3402,"direction":73},"Absolutely.",[],{"type":70,"text":3404,"spans":3405,"direction":73},"But the better question may be:",[],{"type":70,"text":3407,"spans":3408,"direction":73},"What environment helps more women succeed?",[],{"type":70,"text":3410,"spans":3411,"direction":73},"Individual determination matters, but entrepreneurs also benefit from access to funding, mentoring, industry networks, knowledge, customers and service providers who understand the realities of their businesses.",[],{"type":70,"text":3413,"spans":3414,"direction":73},"Nonkosi's journey shows that success doesn't require pretending obstacles don't exist.",[],{"type":70,"text":3416,"spans":3417,"direction":73},"It requires developing the skills, relationships and resilience to navigate them.",[],"article_content_text$41c0125b-e6b6-4d9d-a89e-16041d476333",{"variation":1508,"version":1509,"items":3420,"primary":3421,"id":3457,"slice_type":1542,"slice_label":9},[],{"heading":3422,"content":3423,"link_heading":1363},"Lessons other entrepreneurs can take from Nonkosi's story",[3424,3427,3432,3436,3440,3444,3448,3452],{"type":70,"text":3425,"spans":3426,"direction":73},"Whether you're entering logistics, retail, technology, professional services or another industry entirely, the principles are remarkably transferable.",[],{"type":70,"text":3428,"spans":3429,"direction":73},"Back yourself. You don't need to wait until you know everything before taking the next step.",[3430],{"start":28,"end":3431,"type":1540},14,{"type":70,"text":3433,"spans":3434,"direction":73},"Keep learning. Technical knowledge can be developed.",[3435],{"start":28,"end":3431,"type":1540},{"type":70,"text":3437,"spans":3438,"direction":73},"Find good people. Mentors, suppliers and professional partners can close knowledge gaps faster than trying to work everything out alone.",[3439],{"start":28,"end":1564,"type":1540},{"type":70,"text":3441,"spans":3442,"direction":73},"Know your numbers. Growth without financial control can create new problems instead of solving old ones.",[3443],{"start":28,"end":1645,"type":1540},{"type":70,"text":3445,"spans":3446,"direction":73},"Understand your risks. Protect the assets and operations that allow the business to earn.",[3447],{"start":28,"end":3328,"type":1540},{"type":70,"text":3449,"spans":3450,"direction":73},"Stay adaptable. Entrepreneurship rarely goes exactly according to plan.",[3451],{"start":28,"end":861,"type":1540},{"type":70,"text":3453,"spans":3454,"direction":73},"Remember why you started. Your reason for building the business can help carry you through the difficult periods.",[3455],{"start":28,"end":3456,"type":1540},25,"article_content_text$5bb08625-9417-4df6-87bf-f4617ec5b7a5",{"variation":1508,"version":1509,"items":3459,"primary":3460,"id":3478,"slice_type":1542,"slice_label":9},[],{"heading":3461,"content":3462,"link_heading":1363},"Drive your own definition of success",[3463,3466,3469,3472,3475],{"type":70,"text":3464,"spans":3465,"direction":73},"Nonkosi didn't enter logistics because it was the obvious next step.",[],{"type":70,"text":3467,"spans":3468,"direction":73},"She saw an opportunity, trusted what she could already bring to the industry and learned the rest along the way.",[],{"type":70,"text":3470,"spans":3471,"direction":73},"That's perhaps the strongest lesson in her story.",[],{"type":70,"text":3473,"spans":3474,"direction":73},"Success isn't reserved for the person who starts with every answer.",[],{"type":70,"text":3476,"spans":3477,"direction":73},"Sometimes it belongs to the person prepared to keep asking better questions, finding the right people and moving forward.",[],"article_content_text$37a31ee2-382e-4d96-91f9-2240ce0d2db6",{"variation":1508,"version":1509,"items":3480,"primary":3481,"id":3497,"slice_type":1542,"slice_label":9},[],{"heading":3482,"content":3483,"link_heading":1363},"Build it. Grow it. Protect it.",[3484,3487,3492],{"type":70,"text":3485,"spans":3486,"direction":73},"Every entrepreneur's journey is different, and so are the risks surrounding their business.",[],{"type":70,"text":3488,"spans":3489,"direction":73},"As your company grows, make sure your business insurance grows with it.",[3490],{"start":3360,"end":3491,"type":1540},56,{"type":70,"text":3493,"spans":3494,"direction":73},"Explore Miway Business Insurance and find cover designed around the way your business operates.",[3495],{"start":28,"end":705,"type":216,"data":3496},{"link_type":78,"url":1956,"target":135},"article_content_text$a4510334-75a6-4117-812e-5565ea4cd4d2",{"variation":1757,"version":1509,"items":3499,"primary":3500,"id":3562,"slice_type":1542,"slice_label":9},[],{"heading":491,"content":3501,"sub_sections":3502,"link_heading":395},[],[3503,3509,3515,3521,3527,3533,3539,3545,3551,3556],{"subheading":3504,"list":3505,"link_subsection":1363},"Who is Nonkosi Dyantyi?",[3506],{"type":70,"text":3507,"spans":3508,"direction":73},"Nonkosi Dyantyi is the founder and CEO of Lebama Group Logistics. Her journey from communications into logistics offers lessons about resilience, networks, learning and protecting the assets that generate revenue.",[],{"subheading":3510,"list":3511,"link_subsection":1363},"What can entrepreneurs learn from her logistics journey?",[3512],{"type":70,"text":3513,"spans":3514,"direction":73},"Entrepreneurs can learn to back existing strengths, acquire missing technical knowledge, find experienced advisers, understand cash flow and manage risks as the business grows.",[],{"subheading":3516,"list":3517,"link_subsection":1363},"Why is resilience important for women entrepreneurs?",[3518],{"type":70,"text":3519,"spans":3520,"direction":73},"Resilience helps founders continue making decisions through funding constraints, setbacks and industries where women may be under-represented. It does not mean ignoring difficulty; it means responding constructively.",[],{"subheading":3522,"list":3523,"link_subsection":1363},"Why do mentors matter in logistics?",[3524],{"type":70,"text":3525,"spans":3526,"direction":73},"Mentors can shorten the learning curve around operations, compliance, customers and fleet management. They also help entrepreneurs identify blind spots and build credible industry relationships.",[],{"subheading":3528,"list":3529,"link_subsection":1363},"What financial skills does a logistics entrepreneur need?",[3530],{"type":70,"text":3531,"spans":3532,"direction":73},"Owners should understand cash flow, payment cycles, fixed costs, fuel, maintenance, vehicle finance, working capital and the financial effect of downtime or cargo loss.",[],{"subheading":3534,"list":3535,"link_subsection":1363},"Why are vehicles critical assets in logistics?",[3536],{"type":70,"text":3537,"spans":3538,"direction":73},"Vehicles are the means by which a logistics business serves customers and earns revenue. Damage or downtime can interrupt deliveries while finance, salaries and other costs continue.",[],{"subheading":3540,"list":3541,"link_subsection":1363},"What insurance may a logistics business consider?",[3542],{"type":70,"text":3543,"spans":3544,"direction":73},"Depending on the operation, relevant cover may include business vehicle or fleet insurance, Goods in Transit insurance, liability protection and business interruption cover. Policy terms and actual activities determine suitability.",[],{"subheading":3546,"list":3547,"link_subsection":1363},"How does business growth change insurance needs?",[3548],{"type":70,"text":3549,"spans":3550,"direction":73},"More vehicles, employees, cargo, contracts and equipment increase exposure. Review cover whenever fleet size, asset values, routes, customers or transported goods change materially.",[],{"subheading":3398,"list":3552,"link_subsection":1363},[3553],{"type":70,"text":3554,"spans":3555,"direction":73},"Yes. Success is supported by knowledge, networks, access to finance, visible role models, fair opportunities and the confidence to keep developing technical and commercial skills.",[],{"subheading":3557,"list":3558,"link_subsection":1363},"How can an entrepreneur build a lasting legacy?",[3559],{"type":70,"text":3560,"spans":3561,"direction":73},"A lasting business needs sound finances, repeatable operations, capable people, risk controls and a purpose that extends beyond one founder. Succession and continuity planning become more important as it grows.",[],"article_content_text$fad35bd4-2709-4f7e-a844-245e9c31c024","Woman and Entrepreneur Lessons | Miway Business Insurance","Explore practical entrepreneurship lessons from Nonkosi Dyantyi’s South African logistics journey, including resilience, funding, networks and risk.",{"dimensions":3566,"alt":2971,"copyright":9,"url":3567,"id":2973,"edit":3568},{"width":2029,"height":2030},"https://images.prismic.io/miway-website/Y6ldUqXVDD57naqM_Set6.png?auto=format,compress&rect=501,0,1160,609&w=2400&h=1260",{"x":2927,"y":28,"zoom":29,"background":30},{"link_type":35},[3571],{"type":70,"text":2982,"spans":3572,"direction":73},[],{"id":2933,"type":2336,"tags":3574,"lang":16,"slug":2935,"first_publication_date":2936,"last_publication_date":2937,"uid":2938,"link_type":393,"key":3575,"isBroken":395},[],"6fbcfd44-427d-4194-af33-6a51d1bf51f7",[],{"dimensions":3578,"alt":2971,"copyright":9,"url":2972,"id":2973,"edit":3579},{"width":2376,"height":2377},{"x":28,"y":28,"zoom":29,"background":30},{"id":3581,"uid":3582,"url":3583,"type":1469,"href":3584,"tags":3585,"first_publication_date":3586,"last_publication_date":3586,"slugs":3587,"linked_documents":3589,"lang":16,"alternate_languages":3590,"data":3591},"arIphhYAADMAFeC_","5-services-south-african-smes-can-afford-to-outsource","/blog/5-services-south-african-smes-can-afford-to-outsource","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=arup2xYAAC4AJQnc&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22arIphhYAADMAFeC_%22%29+%5D%5D",[985,635],"2026-09-22T11:19:14+0000",[3588],"2026-09-22t0300000000",[],[],{"date":3592,"heading":3593,"duration":9,"article_type":3594,"category":3597,"related_product":3601,"thumbnail":3604,"type":1505,"related_insurance":9,"slices":3605,"meta_title":3972,"meta_description":3973,"meta_keywords":2922,"meta_image":3974,"canonical":3980,"intro":3981,"author":2038,"service_block":3984,"in_this_article":3987,"hero_image":3988},"2026-09-22T03:00:00+0000","5 Services South African SMEs can afford to outsource",{"id":1481,"type":1339,"tags":3595,"lang":16,"slug":639,"first_publication_date":1483,"last_publication_date":1483,"uid":639,"url":1343,"link_type":393,"key":3596,"isBroken":395},[],"ded73bcc-9809-4d92-a3bb-97c09c129e2d",{"id":1486,"type":1487,"tags":3598,"lang":16,"slug":1489,"first_publication_date":1490,"last_publication_date":1491,"uid":1492,"url":1343,"data":3599,"link_type":393,"key":3600,"isBroken":395},[],{"name":2065,"tag":2066},"b989d0e0-bf15-4f89-8a23-e3625e5dd4fb",{"id":1249,"type":515,"tags":3602,"lang":16,"slug":1251,"first_publication_date":1252,"last_publication_date":1253,"uid":1254,"url":1255,"link_type":393,"key":3603,"isBroken":395},[635,985,519],"83236582-0124-4f01-ade6-1b1c9f8f2fca",{},[3606,3634,3655,3689,3726,3747,3790,3841,3883,3926,3953],{"variation":1508,"version":1509,"items":3607,"primary":3608,"id":3633,"slice_type":1542,"slice_label":9},[],{"heading":9,"content":3609,"link_heading":1363},[3610,3613,3616,3619,3622,3627,3630],{"type":70,"text":3611,"spans":3612,"direction":73},"Running a small business doesn’t mean doing everything yourself. Outsourcing the right tasks can give you specialist expertise, reduce administrative pressure and free up more time to focus on customers and growth.",[],{"type":70,"text":3614,"spans":3615,"direction":73},"Small-business owners become very good at wearing different hats.",[],{"type":70,"text":3617,"spans":3618,"direction":73},"You might start the morning chasing an unpaid invoice, spend lunchtime approving a social media post and finish the day trying to understand an employment contract.",[],{"type":70,"text":3620,"spans":3621,"direction":73},"It comes with the territory.",[],{"type":70,"text":3623,"spans":3624,"direction":73},"But being capable of doing something doesn’t always mean you should be doing it yourself.",[3625],{"start":3626,"end":215,"type":1540},61,{"type":70,"text":3628,"spans":3629,"direction":73},"As your business grows, there comes a point where trying to manage every function can take your attention away from the things only you can do – serving customers, improving your products and making decisions about where the business goes next.",[],{"type":70,"text":3631,"spans":3632,"direction":73},"That’s where outsourcing can help.",[],"article_content_text$83665093-41e8-475f-b589-da2939bb446d",{"variation":1508,"version":1509,"items":3635,"primary":3636,"id":3654,"slice_type":1542,"slice_label":9},[],{"heading":3637,"content":3638,"link_heading":1363},"What does outsourcing mean for a small business?",[3639,3642,3645,3648,3651],{"type":70,"text":3640,"spans":3641,"direction":73},"Outsourcing simply means using an external person or service provider to perform a business function instead of employing someone internally to do all of that work.",[],{"type":70,"text":3643,"spans":3644,"direction":73},"For a small business, that could mean using an accountant once a month, appointing an external marketing agency, working with an IT support company or getting specialist HR advice when you need it.",[],{"type":70,"text":3646,"spans":3647,"direction":73},"You don’t necessarily need to outsource the entire function.",[],{"type":70,"text":3649,"spans":3650,"direction":73},"You can outsource specific tasks while keeping strategic decisions inside the business.",[],{"type":70,"text":3652,"spans":3653,"direction":73},"The best functions to outsource are usually tasks that require specialist expertise, take significant time away from core business activities or would be expensive to employ a full-time specialist to manage.",[],"article_content_text$745866ad-4804-4eee-94ed-8530a8a47cd1",{"variation":1508,"version":1509,"items":3656,"primary":3657,"id":3688,"slice_type":1542,"slice_label":9},[],{"heading":3658,"content":3659,"link_heading":1363},"Why do small businesses outsource?",[3660,3663,3666,3669,3672,3675,3678,3685],{"type":70,"text":3661,"spans":3662,"direction":73},"Hiring full-time specialists for every part of your business can become expensive.",[],{"type":70,"text":3664,"spans":3665,"direction":73},"You may need expertise in finance, marketing, IT, employment law and compliance – but not necessarily for 40 hours every week.",[],{"type":70,"text":3667,"spans":3668,"direction":73},"Outsourcing can give an SME access to specialist skills when they’re needed without immediately building an entire internal department.",[],{"type":70,"text":3670,"spans":3671,"direction":73},"It can also provide flexibility as the company grows.",[],{"type":70,"text":3673,"spans":3674,"direction":73},"But outsourcing isn’t automatically better than employing someone.",[],{"type":70,"text":3676,"spans":3677,"direction":73},"The decision should depend on the function, how frequently you need it, how important it is to the business and how much control you need to retain.",[],{"type":70,"text":3679,"spans":3680,"direction":73},"Outsourcing a task also does not necessarily outsource accountability. Business owners should still monitor performance, protect confidential information, understand contractual responsibilities and maintain appropriate business insurance.",[3681],{"start":3682,"end":3683,"type":216,"data":3684},220,238,{"link_type":78,"url":1956,"target":1533},{"type":70,"text":3686,"spans":3687,"direction":73},"Here are five areas worth considering.",[],"article_content_text$8ee4dba0-310e-41fd-9f14-0356aac705d9",{"variation":1757,"version":1509,"items":3690,"primary":3691,"id":3725,"slice_type":1542,"slice_label":9},[],{"heading":3692,"content":3693,"sub_sections":3694,"link_heading":1363},"Recommended links for the five service sections",[],[3695,3701,3707,3713,3719],{"subheading":3696,"list":3697,"link_subsection":1363},"Accounting and financial administration",[3698],{"type":70,"text":3699,"spans":3700,"direction":73},"Outsourcing routine bookkeeping, tax administration or financial reporting can give the owner better visibility of the business’s financial position. ",[],{"subheading":3702,"list":3703,"link_subsection":1363},"Digital marketing",[3704],{"type":70,"text":3705,"spans":3706,"direction":73},"External marketing support can help with areas such as social media, website setup and email marketing while allowing the business owner to retain control of the brand and overall strategy.",[],{"subheading":3708,"list":3709,"link_subsection":1363},"HR and payroll",[3710],{"type":70,"text":3711,"spans":3712,"direction":73},"HR support can help a growing business understand employment processes, workplace documentation and labour-related responsibilities. Final employment decisions, however, remain the responsibility of the employer.",[],{"subheading":3714,"list":3715,"link_subsection":1363},"IT and cybersecurity",[3716],{"type":70,"text":3717,"spans":3718,"direction":73},"External IT support can help maintain business systems, software, devices and day-to-day technical operations. Cybersecurity responsibilities should be clearly defined because outsourcing IT does not automatically transfer every data-protection or security obligation to the provider.",[],{"subheading":3720,"list":3721,"link_subsection":1363},"Legal and compliance support",[3722],{"type":70,"text":3723,"spans":3724,"direction":73},"External legal support can help an SME understand contracts, employment matters and other business obligations. Business owners should still obtain advice that is appropriate to their circumstances before making significant legal or compliance decisions.",[],"article_content_text$7c7a48d5-b031-4fce-bf84-fe9cddd141d8",{"variation":1508,"version":1509,"items":3727,"primary":3728,"id":3746,"slice_type":1542,"slice_label":9},[],{"heading":3729,"content":3730,"link_heading":1363},"What about routine admin?",[3731,3734,3737,3740,3743],{"type":70,"text":3732,"spans":3733,"direction":73},"Not every outsourced task needs a specialist professional.",[],{"type":70,"text":3735,"spans":3736,"direction":73},"Some businesses also outsource routine administration such as appointment scheduling, customer support, data capturing, invoicing or virtual-assistant work.",[],{"type":70,"text":3738,"spans":3739,"direction":73},"Technology can help here too.",[],{"type":70,"text":3741,"spans":3742,"direction":73},"Cloud software and AI-assisted tools can automate parts of repetitive workflows and reduce the amount of manual administration required.",[],{"type":70,"text":3744,"spans":3745,"direction":73},"The important thing is to decide what actually needs a person, what can be automated and what should stay under your direct control.",[],"article_content_text$519f1f54-71bc-479c-b35e-96bb9ee47cf6",{"variation":1757,"version":1509,"items":3748,"primary":3749,"id":3789,"slice_type":1542,"slice_label":9},[],{"heading":3750,"content":3751,"sub_sections":3758,"link_heading":1363},"What shouldn't you outsource completely?",[3752,3755],{"type":70,"text":3753,"spans":3754,"direction":73},"Outsourcing doesn't mean giving away responsibility for your business.",[],{"type":70,"text":3756,"spans":3757,"direction":73},"There are several things owners should remain actively involved in.",[],[3759,3765,3771,3777,3783],{"subheading":3760,"list":3761,"link_subsection":1363},"Business strategy",[3762],{"type":70,"text":3763,"spans":3764,"direction":73},"An adviser can help you think. They shouldn't decide what the business exists to achieve.",[],{"subheading":3766,"list":3767,"link_subsection":1363},"Customer relationships",[3768],{"type":70,"text":3769,"spans":3770,"direction":73},"You can outsource parts of customer service, but understanding your customers should remain a core capability.",[],{"subheading":3772,"list":3773,"link_subsection":1363},"Financial oversight",[3774],{"type":70,"text":3775,"spans":3776,"direction":73},"Your accountant may prepare the numbers. You still need to understand what they mean.",[],{"subheading":3778,"list":3779,"link_subsection":1363},"Risk decisions",[3780],{"type":70,"text":3781,"spans":3782,"direction":73},"A specialist can identify risks and recommend solutions, but the business owner needs to understand which risks the company is accepting.",[],{"subheading":3784,"list":3785,"link_subsection":1363},"Brand direction",[3786],{"type":70,"text":3787,"spans":3788,"direction":73},"A marketing agency can execute the work. The business still needs to know what it stands for.",[],"article_content_text$45f4e0e0-1f21-421b-9a6e-c9bd5ab40c83",{"variation":1508,"version":1509,"items":3791,"primary":3792,"id":3840,"slice_type":1542,"slice_label":9},[],{"heading":3793,"content":3794,"link_heading":1363},"Is outsourcing cheaper than hiring someone?",[3795,3798,3801,3804,3807,3810,3813,3816,3819,3822,3825,3828,3831,3834,3837],{"type":70,"text":3796,"spans":3797,"direction":73},"Sometimes.",[],{"type":70,"text":3799,"spans":3800,"direction":73},"But cost shouldn't be the only consideration.",[],{"type":70,"text":3802,"spans":3803,"direction":73},"Compare:",[],{"type":70,"text":3805,"spans":3806,"direction":73},"·        salary;",[],{"type":70,"text":3808,"spans":3809,"direction":73},"·        employee benefits;",[],{"type":70,"text":3811,"spans":3812,"direction":73},"·        recruitment;",[],{"type":70,"text":3814,"spans":3815,"direction":73},"·        training;",[],{"type":70,"text":3817,"spans":3818,"direction":73},"·        software;",[],{"type":70,"text":3820,"spans":3821,"direction":73},"·        equipment;",[],{"type":70,"text":3823,"spans":3824,"direction":73},"·        management time;",[],{"type":70,"text":3826,"spans":3827,"direction":73},"·        frequency of the work;",[],{"type":70,"text":3829,"spans":3830,"direction":73},"·        specialist skill requirements; and",[],{"type":70,"text":3832,"spans":3833,"direction":73},"·        the cost of getting something wrong.",[],{"type":70,"text":3835,"spans":3836,"direction":73},"If you need a particular skill only a few hours each month, outsourcing may make sense.",[],{"type":70,"text":3838,"spans":3839,"direction":73},"If a role becomes central to daily operations and requires constant involvement, bringing that function in-house may eventually be the better decision.",[],"article_content_text$82c52e29-5fe1-4e81-bedf-a2bd91eac2b3",{"variation":1508,"version":1509,"items":3842,"primary":3843,"id":3882,"slice_type":1542,"slice_label":9},[],{"heading":3844,"content":3845,"link_heading":1363},"How do you choose the right outsourcing partner?",[3846,3849,3852,3855,3858,3861,3864,3867,3870,3873,3876,3879],{"type":70,"text":3847,"spans":3848,"direction":73},"Don't choose a provider simply because they're the cheapest.",[],{"type":70,"text":3850,"spans":3851,"direction":73},"Ask:",[],{"type":70,"text":3853,"spans":3854,"direction":73},"·        Do they understand businesses like yours?",[],{"type":70,"text":3856,"spans":3857,"direction":73},"·        What exactly is included in the fee?",[],{"type":70,"text":3859,"spans":3860,"direction":73},"·        Who will work on your account?",[],{"type":70,"text":3862,"spans":3863,"direction":73},"·        How quickly do they respond?",[],{"type":70,"text":3865,"spans":3866,"direction":73},"·        How is sensitive business information protected?",[],{"type":70,"text":3868,"spans":3869,"direction":73},"·        What happens if you want to end the agreement?",[],{"type":70,"text":3871,"spans":3872,"direction":73},"·        Who owns the work and data produced?",[],{"type":70,"text":3874,"spans":3875,"direction":73},"·        Can the service scale as your business grows?",[],{"type":70,"text":3877,"spans":3878,"direction":73},"·        Can they provide appropriate qualifications or references?",[],{"type":70,"text":3880,"spans":3881,"direction":73},"The right outsourcing relationship should make your business easier to run – not create another problem to manage.",[],"article_content_text$8ad008d8-dddd-49a5-b98a-a607ea080287",{"variation":1508,"version":1509,"items":3884,"primary":3885,"id":3925,"slice_type":1542,"slice_label":9},[],{"heading":3886,"content":3887,"link_heading":1363},"Outsourcing doesn't outsource your risk",[3888,3891,3894,3897,3900,3903,3908,3911,3914,3919],{"type":70,"text":3889,"spans":3890,"direction":73},"External specialists can take certain tasks off your desk.",[],{"type":70,"text":3892,"spans":3893,"direction":73},"They don't remove your responsibility for protecting the business you've built.",[],{"type":70,"text":3895,"spans":3896,"direction":73},"Your accountant can't prevent every fire.",[],{"type":70,"text":3898,"spans":3899,"direction":73},"Your marketing agency can't prevent a break-in.",[],{"type":70,"text":3901,"spans":3902,"direction":73},"Your IT provider can't guarantee that every cyber incident will be avoided.",[],{"type":70,"text":3904,"spans":3905,"direction":73},"That's where wider risk management and business insurance come into the picture.",[3906],{"start":3907,"end":2434,"type":1540},39,{"type":70,"text":3909,"spans":3910,"direction":73},"As your business grows, you may acquire more stock, equipment, vehicles, employees and contractual responsibilities.",[],{"type":70,"text":3912,"spans":3913,"direction":73},"Your risks change with them.",[],{"type":70,"text":3915,"spans":3916,"direction":73},"Miway's guide to business insurance for growing businesses explains how different areas of cover can help protect the assets and operations a growing company depends on.",[3917],{"start":1564,"end":214,"type":216,"data":3918},{"link_type":78,"url":3363,"target":135},{"type":70,"text":3920,"spans":3921,"direction":73},"You can also read what type of insurance a business may need when reviewing your own risk profile.",[3922],{"start":1645,"end":1586,"type":216,"data":3923},{"link_type":78,"url":3924,"target":135},"https://www.miway.co.za/blog/what-type-of-insurance-does-a-business-need","article_content_text$0aabaeb3-85fb-42f2-82f8-fa5e9275a095",{"variation":1508,"version":1509,"items":3927,"primary":3928,"id":3952,"slice_type":1542,"slice_label":9},[],{"heading":3929,"content":3930,"link_heading":1363},"Focus your time where it creates the most value",[3931,3934,3937,3940,3943,3946],{"type":70,"text":3932,"spans":3933,"direction":73},"Successful outsourcing isn't about getting somebody else to run your business.",[],{"type":70,"text":3935,"spans":3936,"direction":73},"It's about recognising which tasks genuinely need your attention and which are better handled by someone with the right expertise.",[],{"type":70,"text":3938,"spans":3939,"direction":73},"Your time is limited.",[],{"type":70,"text":3941,"spans":3942,"direction":73},"Use it where it creates the most value.",[],{"type":70,"text":3944,"spans":3945,"direction":73},"Build the right support network around the rest.",[],{"type":70,"text":3947,"spans":3948,"direction":73},"And as the business develops, regularly review whether your systems, suppliers and business insurance still match the way you operate.",[3949],{"start":3950,"end":3951,"type":1540},83,101,"article_content_text$2fff7e57-21e8-4104-8584-14ef34963135",{"variation":1508,"version":1509,"items":3954,"primary":3955,"id":3971,"slice_type":1542,"slice_label":9},[],{"heading":3956,"content":3957,"link_heading":1363},"Build your business with the right support",[3958,3961,3964],{"type":70,"text":3959,"spans":3960,"direction":73},"You don't need to do everything yourself.",[],{"type":70,"text":3962,"spans":3963,"direction":73},"The right specialists can help you manage the areas outside your expertise while you stay focused on customers and growth.",[],{"type":70,"text":3965,"spans":3966,"direction":73},"And when it comes to protecting what you're building, explore Miway Business Insurance and find cover suited to the way your business operates.",[3967],{"start":3968,"end":3969,"type":216,"data":3970},54,86,{"link_type":78,"url":1956,"target":135},"article_content_text$6baeb71b-a5da-4761-bd5a-69f2e280abe2","5 Affordable Services SMEs Can Outsource | Miway Insurance","Learn which business services an SME can outsource, how to compare costs and providers, and which strategic responsibilities should stay with the owner.",{"dimensions":3975,"alt":3976,"copyright":9,"url":3977,"id":3978,"edit":3979},{"width":2029,"height":2030},"SME 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