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safety is good business and a public good.",{"id":1385,"type":1340,"tags":1483,"lang":16,"slug":1387,"first_publication_date":1388,"last_publication_date":1388,"uid":1387,"url":1344,"link_type":393,"key":1484,"isBroken":395},[],"b1e0e522-5eb4-40cc-bc81-97c328962ee1",{"id":1486,"type":1487,"tags":1488,"lang":16,"slug":1489,"first_publication_date":1490,"last_publication_date":1491,"uid":1492,"url":1344,"link_type":393,"key":1493,"isBroken":395},"ZvZ4ahAAACIAEujd","article_category",[],"miway-tips--guides","2024-09-27T09:18:36+0000","2025-05-26T06:45:26+0000","miway-tips-and-guides","560a9dc5-ed26-47aa-85e8-573ea82c9eb4",{"id":994,"type":515,"tags":1495,"lang":16,"slug":999,"first_publication_date":1000,"last_publication_date":1001,"uid":1002,"url":1003,"link_type":393,"key":1496,"isBroken":395},[519,996,986,997,998,635],"8e599a3a-c05a-460e-9984-5b863b454a77",{"dimensions":1498,"alt":1501,"copyright":9,"url":1502,"id":1503,"edit":1504},{"width":1499,"height":1500},1672,941,"Fleet safety 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From ports to provinces, they carry the economy with them. So, when something goes wrong, like a brake pad that’s barely there, tired-out tyre treads or a missed maintenance check, the consequences can be catastrophic. That’s why, for truck owners and fleet operators, roadworthy trucks make good business sense and serve as a social good.",[1516,1520],{"start":28,"end":1517,"type":216,"data":1518},17,{"link_type":78,"url":1519,"target":135},"https://www.miway.co.za/business-insurance/business-vehicles",{"start":1521,"end":1522,"type":1523},366,369,"em","article_content_text$b8215b38-5642-4a5c-9d80-a7ad44915045","article_content_text",{"variation":1508,"version":1509,"items":1527,"primary":1528,"id":1534,"slice_type":1525,"slice_label":9},[],{"heading":1529,"content":1530,"link_heading":1364},"When maintenance is your management strategy",[1531],{"type":70,"text":1532,"spans":1533,"direction":73},"Owning and operating a commercial truck is very different to being a casual bakkie owner. Trucks travel further, carry more tonnage, and work under tighter timelines.  So, when something fails, the fallout is far greater. A small breakdown can delay deliveries, disrupt supply chains and destroy client relationships. But a serious accident can do far more damage.\n\nBut that’s just the reality of running a business where every truck must earn its keep. And it’s why maintenance means so much more than mechanics – it’s a key management strategy.",[],"article_content_text$88e47ac7-db5f-4204-a8c2-48e4795b9457",{"variation":1508,"version":1509,"items":1536,"primary":1537,"id":1554,"slice_type":1525,"slice_label":9},[],{"heading":1538,"content":1539,"link_heading":1364},"When accidents can be anticipated",[1540,1543,1546,1549,1551],{"type":70,"text":1541,"spans":1542,"direction":73},"If maintenance is a massive strategic advantage, then predicting accidents should be part of your planning. And with that should be the awareness that accidents don’t always happen in the moment, due to a sudden failure, a split-second error in human judgement or a situation that couldn’t be avoided.",[],{"type":70,"text":1544,"spans":1545,"direction":73},"",[],{"type":70,"text":1547,"spans":1548,"direction":73},"The real cause starts much earlier. With a poor decision to skip on the maintenance and clock up the miles instead. That brake pad that wasn’t replaced when it should have been. The tyre that had already reached the end of the road. That minor leak that was noted but never fixed. Or the inspection that was delayed just to keep a truck on track. By the time something does go wrong, the decision – or lack of one – has already taken its toll.",[],{"type":70,"text":1544,"spans":1550,"direction":73},[],{"type":70,"text":1552,"spans":1553,"direction":73},"That’s why maintenance needs to be the most pressing issue for any fleet owner.",[],"article_content_text$7341c825-6a63-4e6b-99b1-d47176ae326b",{"variation":1508,"version":1509,"items":1556,"primary":1557,"id":1580,"slice_type":1525,"slice_label":9},[],{"heading":1558,"content":1559,"link_heading":1364},"No truck travels in isolation",[1560,1563,1565,1568,1570,1573,1575,1578],{"type":70,"text":1561,"spans":1562,"direction":73},"It’s not just trucks and their drivers that are at risk when some short-sighted decision-maker opts to omit a vital check. Trucks are the biggest ‘beasts’ on the road and often have to weave their way through school traffic, small towns, highway congestion, and residential roads.",[],{"type":70,"text":1544,"spans":1564,"direction":73},[],{"type":70,"text":1566,"spans":1567,"direction":73},"They share the tarmac with taxis, buses, families and pedestrians. Which means maintenance failures don’t just impact the cargo and logistics industries. They spill over into public life. A brake failure at highway speed doesn’t just put the goods at risk. It threatens the lives of everyone close by.",[],{"type":70,"text":1544,"spans":1569,"direction":73},[],{"type":70,"text":1571,"spans":1572,"direction":73},"That’s why fleet safety goes far beyond compliance and cost-savings. Every well-maintained truck makes  the road a safer road place for everyone else too.",[],{"type":70,"text":1544,"spans":1574,"direction":73},[],{"type":70,"text":1576,"spans":1577,"direction":73},"And in a country like SA which has one of the highest road fatality rates in the world, roadworthy trucks aren’t just operational assets; they’re part of the public safety system.",[],{"type":70,"text":1544,"spans":1579,"direction":73},[],"article_content_text$595547fa-3151-4549-87bd-d7a238698e0c",{"variation":1508,"version":1509,"items":1582,"primary":1583,"id":1622,"slice_type":1525,"slice_label":9},[],{"heading":1584,"content":1585,"link_heading":1364},"A roadworthy is required to lower risk",[1586,1589,1591,1594,1597,1600,1603,1606,1609,1612,1614,1617,1619],{"type":70,"text":1587,"spans":1588,"direction":73},"Roadworthy checks should never be a tick-box exercise. They’re there to flag small fails and faults before they escalate, to keep track of wear and tear before it turns into a tragedy. It’s not just about passing a test or getting a certificate. It’s about understanding the condition of a vehicle that operates under pressure every single day.",[],{"type":70,"text":1544,"spans":1590,"direction":73},[],{"type":70,"text":1592,"spans":1593,"direction":73},"A proper inspection should focus on key systems that matter most for safety and control. These are :",[],{"type":70,"text":1595,"spans":1596,"direction":73},"·       braking systems",[],{"type":70,"text":1598,"spans":1599,"direction":73},"·       tyres",[],{"type":70,"text":1601,"spans":1602,"direction":73},"·       steering components",[],{"type":70,"text":1604,"spans":1605,"direction":73},"·       suspension",[],{"type":70,"text":1607,"spans":1608,"direction":73},"·       lights",[],{"type":70,"text":1610,"spans":1611,"direction":73},"·       visibility",[],{"type":70,"text":1544,"spans":1613,"direction":73},[],{"type":70,"text":1615,"spans":1616,"direction":73}," Airbrake pipes need to be assessed for leaks or wear. Brake pads need to be monitored and adjusted. Tyres need to be checked not just for tread, but for structural integrity.",[],{"type":70,"text":1544,"spans":1618,"direction":73},[],{"type":70,"text":1620,"spans":1621,"direction":73},"Increasingly, onboard camera systems also form part of that picture. Many commercial trucks now operate with continuous recording, for both driver accountability and for a post-accident investigation. \n\nBut these systems only add value if they work as they’re meant to. Cut a corner and you, and others, could pay the price.",[],"article_content_text$b6daacd4-e352-472d-91e5-291f312ce044",{"variation":1508,"version":1509,"items":1624,"primary":1625,"id":1633,"slice_type":1525,"slice_label":9},[],{"heading":1626,"content":1627,"link_heading":1364},"The long-haul life adds to the load",[1628,1631],{"type":70,"text":1629,"spans":1630,"direction":73},"South African trucks cover long distances, carry heavy loads, and need to keep a lookout for extreme heat, degraded roads, wild weather and punishing schedules. \n\nDurban port to Gauteng warehouses, cross-country hauls through the haze of the Karoo, night driving along rural roads where there’s low visibility and a cow can come out of nowhere – all these trips bring extra pressure. Which is why maintenance has to be consistent, not occasional.",[],{"type":70,"text":1544,"spans":1632,"direction":73},[],"article_content_text$ce1953f4-5436-4dca-80df-9ce012437c86",{"variation":1508,"version":1509,"items":1635,"primary":1636,"id":1647,"slice_type":1525,"slice_label":9},[],{"heading":1637,"content":1638,"link_heading":1364},"The cost of cutting corners",[1639,1642,1644],{"type":70,"text":1640,"spans":1641,"direction":73},"Because fleet operators work under such pressure, it might be tempting to stretch service intervals or delay repairs. In the short term, these decisions can feel practical. In the long term, however, they just amp up the risk of accidents.",[],{"type":70,"text":1544,"spans":1643,"direction":73},[],{"type":70,"text":1645,"spans":1646,"direction":73},"The problem isn’t that the warning signs aren’t there. It’s that they aren’t always acted on. And when they’re missed, the cost escalates exponentially. What begins as a maintenance issue can quickly become an operational one. Then a financial one. And in the worst cases, a legal one.",[],"article_content_text$d54f1d74-96c0-497f-899a-cb3a0c96d7a7",{"variation":1508,"version":1509,"items":1649,"primary":1650,"id":1661,"slice_type":1525,"slice_label":9},[],{"heading":1651,"content":1652,"link_heading":1364},"What maintenance means for your cover",[1653,1656,1658],{"type":70,"text":1654,"spans":1655,"direction":73},"From an insurance perspective, maintenance can’t be separated from risk. Simply put, a well-maintained vehicle is a lower risk. A poorly maintained one is not only more likely to lead to a claim, but that claim is more likely to be severe. And if negligence can be demonstrated, it may also complicate the outcome of that claim.",[],{"type":70,"text":1544,"spans":1657,"direction":73},[],{"type":70,"text":1659,"spans":1660,"direction":73},"Insurance works best when it works with a well-managed operation, not a patchy, reactive one.",[],"article_content_text$94829c58-0975-4451-a2a3-b1c9de28e5fa",{"variation":1508,"version":1509,"items":1663,"primary":1664,"id":1675,"slice_type":1525,"slice_label":9},[],{"heading":1665,"content":1666,"link_heading":1364},"Why prevention is the best strategy",[1667,1670,1672],{"type":70,"text":1668,"spans":1669,"direction":73},"At Miway, we understand that commercial trucks are the backbone of a business,  enabling it to operate, deliver and grow. When a truck fails, it’s not just the truck that comes to a stop. It can put a stop to  revenue, schedules and commitments. And in some cases, it puts people at risk.",[],{"type":70,"text":1544,"spans":1671,"direction":73},[],{"type":70,"text":1673,"spans":1674,"direction":73},"That’s why roadworthy checks are one of the simplest, most effective ways to protect both the truck, the driver, and the business behind it. Because in the end, prevention isn’t just safer. It’s far smarter.",[],"article_content_text$533a1e0f-b579-4dae-82f4-a61a8ad5df3f","Fleet Safety Is Good Business | Miway Business Insurance","Keep SA's roads safer & your business running. Learn why truck maintenance is key to fleet risk management and better insurance cover.","commercial vehicle maintenance,  fleet risk management,  truck insurance South Africa",{"dimensions":1680,"alt":1501,"copyright":9,"url":1683,"id":1503,"edit":1684},{"width":1681,"height":1682},2400,1260,"https://images.prismic.io/miway-website/4-j-XuH3qaaSn6gI_MiWay_Fleet_Safety_Good_Business_Blog_Hero.png?auto=format,compress&rect=0,32,1672,878&w=2400&h=1260",{"x":28,"y":705,"zoom":29,"background":30},{"link_type":35},[1687],{"type":70,"text":1514,"spans":1688,"direction":73},[1689],{"start":1521,"end":1522,"type":1523},"Miway",{"id":1692,"type":1693,"tags":1694,"lang":16,"slug":1695,"first_publication_date":1696,"last_publication_date":1697,"uid":1698,"data":1699,"link_type":393,"key":1733,"isBroken":395},"ZwZojxAAACAAqGYz","service_block",[],"truck-insurance","2024-10-09T11:27:16+0000","2025-05-26T06:48:24+0000","some-service-block",{"description":1700,"cta_text":1704,"cta_link_href":1705,"buttons":1708,"pictogram":1719,"title":1732},[1701],{"type":70,"text":1702,"spans":1703,"direction":73},"This is insurance for trucks. It is pretty self explanatory to be honest. ",[],"See your options",{"link_type":78,"key":1706,"url":1707},"33d45008-9aca-4ea6-93a1-fd1994cfb817","/path/to/page",[1709,1715],{"button_text":1710,"button_link":1711,"button_colour":1714,"button_variant":1508,"functionality":1710},"Call me back",{"link_type":78,"key":1712,"url":1713},"8b5ab577-4129-48f6-914b-12c7c67fc91e","#go","white",{"button_text":1716,"button_link":1717,"button_colour":1714,"button_variant":1718,"functionality":1716},"Get my quote",{"link_type":35},"outline",{"dimensions":1720,"alt":9,"copyright":9,"url":1723,"id":1724,"edit":1725,"mobile":1726},{"width":1721,"height":1722},338,361,"https://images.prismic.io/miway-website/ZzsD_K8jQArT09bE_Type%3DTruck.webp?auto=format,compress&rect=0,0,154,164&w=338&h=361","ZzsD_K8jQArT09bE",{"x":28,"y":28,"zoom":29,"background":30},{"dimensions":1727,"alt":9,"copyright":9,"url":1730,"id":1724,"edit":1731},{"width":1728,"height":1729},200,212,"https://images.prismic.io/miway-website/ZzsD_K8jQArT09bE_Type%3DTruck.webp?auto=format,compress&rect=0,0,154,163&w=200&h=212",{"x":28,"y":28,"zoom":29,"background":30},"Truck insurance","3a34ec30-cb2e-4afb-91de-c5d1be98f2b7",[],{"dimensions":1736,"alt":1501,"copyright":9,"url":1502,"id":1503,"edit":1737},{"width":1499,"height":1500},{"x":28,"y":28,"zoom":29,"background":30},[1739,2051,2235,2482],{"id":1740,"uid":1741,"url":1742,"type":1470,"href":1743,"tags":1744,"first_publication_date":1746,"last_publication_date":1746,"slugs":1747,"linked_documents":1749,"lang":16,"alternate_languages":1750,"data":1751},"atBnoxUAAC4Abm83","from-licences-to-love-the-little-things-that-lead-to-responsible-pet-ownership","/blog/from-licences-to-love-the-little-things-that-lead-to-responsible-pet-ownership","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=at9n2xIAACcA4V78&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22atBnoxUAAC4Abm83%22%29+%5D%5D",[959,1745,920,688],"Insurance","2026-10-15T06:56:24+0000",[1748],"2026-10-15t0800000000",[],[],{"date":1752,"heading":1753,"duration":9,"article_type":1754,"category":1760,"related_product":1766,"thumbnail":1769,"type":1505,"related_insurance":9,"slices":1777,"meta_title":2028,"meta_description":2029,"meta_keywords":2030,"meta_image":2031,"canonical":2036,"intro":2037,"author":1690,"service_block":2041,"in_this_article":2047,"hero_image":2048},"2026-10-15T08:00:00+0000","From licences to love: the little things that lead to responsible pet ownership",{"id":1755,"type":1340,"tags":1756,"lang":16,"slug":659,"first_publication_date":1757,"last_publication_date":1758,"uid":659,"url":1344,"link_type":393,"key":1759,"isBroken":395},"aUAIlRIAACYAs2nQ",[920],"2025-12-15T13:11:26+0000","2025-12-15T13:15:06+0000","65d576e9-94e5-499f-82a8-96da53825c2b",{"id":1486,"type":1487,"tags":1761,"lang":16,"slug":1489,"first_publication_date":1490,"last_publication_date":1491,"uid":1492,"url":1344,"data":1762,"link_type":393,"key":1765,"isBroken":395},[],{"name":1763,"tag":1764},"Miway Tips & Guides","Tips & Guides","7e8f3b71-40a2-4e0e-a90d-39cc29d0c11d",{"id":657,"type":515,"tags":1767,"lang":16,"slug":659,"first_publication_date":660,"last_publication_date":661,"uid":659,"url":662,"link_type":393,"key":1768,"isBroken":395},[519],"c461bb30-8109-4979-bf65-894c71c3ba9b",{"dimensions":1770,"alt":1773,"copyright":9,"url":1774,"id":1775,"edit":1776},{"width":1771,"height":1772},2161,585,"Licensing and loving your pet","https://images.prismic.io/miway-website/oSkCnaF1QOiiXxGz_Petinsurance.jpg?auto=format,compress","oSkCnaF1QOiiXxGz",{"x":28,"y":28,"zoom":29,"background":30},[1778,1790,1835,1859,1874,1894,1943,1965,1994,2008],{"variation":1508,"version":1509,"items":1779,"primary":1780,"id":1789,"slice_type":1525,"slice_label":9},[],{"heading":9,"content":1781,"link_heading":1364},[1782],{"type":70,"text":1783,"spans":1784,"direction":73},"There’s been some noise online about recent draft pet permit rules in the Western Cape. But beyond the confused wording around licences, there lies a much larger obligation: don't wait for regulations to dictate what you should do – implement good practices yourself as a sign of responsible pet parenthood.",[1785],{"start":1786,"end":1787,"type":1788},306,307,"strong","article_content_text$0c400b57-162d-4ac7-bd7c-859fbc9fa55d",{"variation":1508,"version":1509,"items":1791,"primary":1792,"id":1834,"slice_type":1525,"slice_label":9},[],{"heading":1793,"content":1794,"link_heading":1364},"No one is coming for your cat anytime soon",[1795,1803,1806,1809,1811,1814,1816,1819,1821,1829,1831],{"type":70,"text":1796,"spans":1797,"direction":73},"There was a bit of drama recently around Cape Town’s draft Animal Keeping By-law which says that you need a permit to own a dog or cat that’s over six month’s old.",[1798],{"start":1799,"end":1800,"type":216,"data":1801},41,73,{"link_type":78,"url":1802,"target":135},"https://web1.capetown.gov.za/web1/newsandnotices/site-media/documents/Draft-Animal-Keeping-By-law.pdf",{"type":70,"text":1804,"spans":1805,"direction":73}," ",[],{"type":70,"text":1807,"spans":1808,"direction":73},"The City's safety and security spokesperson has since said this was a mistake. The permit requirement is meant for breeding animals that haven’t been sterilised, and for people wanting to keep more than the legal number of pets – FYI, that’s two dogs in a flat or dwelling unit, three in a standard house, four on an erf over 600m², six on agricultural land, and a maximum of four cats per residence.",[],{"type":70,"text":1804,"spans":1810,"direction":73},[],{"type":70,"text":1812,"spans":1813,"direction":73},"The draft was worded in a pretty confusing way, but in essence it means you probably won’t need a licence for your long-adoring Lab. To be clear, in late 2026, the by-law was still in draft form and in dispute, so it’s worth getting an update via your vet.",[],{"type":70,"text":1804,"spans":1815,"direction":73},[],{"type":70,"text":1817,"spans":1818,"direction":73},"At any rate, it’s a draft by-law, not a new rule that’s suddenly coming into effect. But the real purpose of the permit is a lot less dramatic than the social-media panic suggests: it’s about laying out clearer rules around animal welfare, stray and dangerous animals, breeding programs, keeping animals on properties and enforcement.",[],{"type":70,"text":1804,"spans":1820,"direction":73},[],{"type":70,"text":1822,"spans":1823,"direction":73},"What’s more important is what’s behind the wording – and it’s something every loving pet owner can relate to: owning an animal comes with responsibilities. Ones that go beyond pampering them and preventing them from destroying your couch.",[1824],{"start":1825,"end":1826,"type":216,"data":1827},78,94,{"link_type":78,"url":1828,"target":135},"https://www.miway.co.za/pet-insurance",{"type":70,"text":1804,"spans":1830,"direction":73},[],{"type":70,"text":1832,"spans":1833,"direction":73},"It’s about being part of the solution, not the problem.",[],"article_content_text$2a5f576c-e283-4a16-8de4-9637cc33966e",{"variation":1508,"version":1509,"items":1836,"primary":1837,"id":1858,"slice_type":1525,"slice_label":9},[],{"heading":1838,"content":1839,"link_heading":1364},"Being part of the solution starts at home",[1840,1848,1850,1853,1855],{"type":70,"text":1841,"spans":1842,"direction":73},"The proposed Cape Town permit rules push hard for sterilisation. In fact, it proposes that every dog and cat over six months must be sterilised by default. And owners will need to apply for a special permit if they want to keep an animal unsterilised, for breeding or any other purpose.",[1843],{"start":1844,"end":1845,"type":216,"data":1846},231,250,{"link_type":78,"url":1847,"target":135},"https://awscape.org.za/what-we-do/",{"type":70,"text":1804,"spans":1849,"direction":73},[],{"type":70,"text":1851,"spans":1852,"direction":73},"When you look at the shelters across SA overflowing with unwanted pets, you’ll understand the urgency – every accidental litter of pups and kittens only puts more pressure on the welfare organisations trying to care for and rehome them.",[],{"type":70,"text":1804,"spans":1854,"direction":73},[],{"type":70,"text":1856,"spans":1857,"direction":73},"Sterilising your own animal is a good start, and one of the simplest ways to help solve the shelter problem. Of course, to do this you need to know the right age and timing. So check in with your vet rather than relying on online advice.",[],"article_content_text$746b70e1-5acf-45af-a499-faeb3977d2ef",{"variation":1508,"version":1509,"items":1860,"primary":1861,"id":1873,"slice_type":1525,"slice_label":9},[],{"heading":1862,"content":1863,"link_heading":1364},"Chip happens",[1864,1867,1870],{"type":70,"text":1865,"spans":1866,"direction":73},"The draft permit rules also propose better ways to ID lost or stray animals. And that means microchipping, because collars and tags can easily come off. It only takes a second for your dog to discover an open gate and make a dash for freedom – and if it’s found without any way to identify it, it could end up in the shelter system.",[],{"type":70,"text":1804,"spans":1868,"direction":73},[1869],{"start":28,"end":29,"type":1788},{"type":70,"text":1871,"spans":1872,"direction":73},"A microchip gives a vet or welfare organisation a solid way to see all their details and reunite them with you. That’s why, beyond microchipping them, it’s important to update your contact details. And that applies to adopting a pet that was chipped by its previous owner. Make sure the registration has actually been transferred.",[],"article_content_text$339ea24b-af7d-4dad-a417-dbe405819362",{"variation":1508,"version":1509,"items":1875,"primary":1876,"id":1893,"slice_type":1525,"slice_label":9},[],{"heading":1877,"content":1878,"link_heading":1364},"Don’t skip the shots",[1879,1882,1884,1887,1890],{"type":70,"text":1880,"spans":1881,"direction":73},"Beyond sterilisation and microchipping, vaccination is another bit of pet admin with big consequences. Rabies, though quite rare, is real and there are always sporadic outbreaks that could put your dog – and your neighbourhood – at risk.",[],{"type":70,"text":1804,"spans":1883,"direction":73},[],{"type":70,"text":1885,"spans":1886,"direction":73},"In fact, part of the draft by-law requires proof of a valid rabies vax, so keeping your pet's shots up to date isn't just proper care. It may end up being part of what keeps you compliant.",[],{"type":70,"text":1804,"spans":1888,"direction":73},[1889],{"start":28,"end":29,"type":1788},{"type":70,"text":1891,"spans":1892,"direction":73},"So, keep a record of shots, know when boosters are due and ask your vet what your particular pet needs. It’s the less glam side of pet parenting, much like cleaning up after them in the park, but it’s more important than, say, posting pics of them in funny outfits on Instagram.",[],"article_content_text$0957949e-86d8-4901-bd31-bd5a9ae3ab2f",{"variation":1508,"version":1509,"items":1895,"primary":1896,"id":1942,"slice_type":1525,"slice_label":9},[],{"heading":1897,"content":1898,"link_heading":1364},"Take the time to train them",[1899,1902,1904,1907,1909,1912,1915,1917,1920,1922,1925,1927,1933,1935],{"type":70,"text":1900,"spans":1901,"direction":73},"Training your doggo to sit or perform a clever trick on command is not just about creating cute content for your reels – although  who doesn’t love a good DogTok?! It’s more about making sure they’re safe and stable when navigating social spaces.",[],{"type":70,"text":1804,"spans":1903,"direction":73},[],{"type":70,"text":1905,"spans":1906,"direction":73},"The human world is full of high stakes perils for your pet – busy roads, open gates, loud noises like a car backfiring. These can all be overwhelming for an untrained pup.",[],{"type":70,"text":1804,"spans":1908,"direction":73},[],{"type":70,"text":1910,"spans":1911,"direction":73},"But a dog that comes when called is easier to protect near a main road. A dog comfortable in a harness and leash is easier to control around other animals and humans. A dog that comes to an abrupt halt on command is easier to keep out of a potential dog fight.",[],{"type":70,"text":1913,"spans":1914,"direction":73},"\nAnd the earlier you start, the better, because, yes, it is a little harder to teach an old dog new tricks. Early socialisation can help puppies learn how to cope with people, other animals and new environments.",[],{"type":70,"text":1804,"spans":1916,"direction":73},[],{"type":70,"text":1918,"spans":1919,"direction":73},"This isn't just hypothetical. In May 2026, a child died after a dog attack in New Germany, just outside Durban. Metro Police stepped up enforcement of the city's animal by-laws. But, more tellingly, an animal welfare advocate linked the tragedy to a lack of training, socialisation and irresponsible ownership. That's the real reason training matters so much. Not because a by-law somewhere says so, but because an untrained, unsocialised dog is a real risk to the people and animals around it.",[],{"type":70,"text":1804,"spans":1921,"direction":73},[],{"type":70,"text":1923,"spans":1924,"direction":73},"Interestingly, the draft by-law also proposes a blanket leash law: dogs on a leash in all public spaces, unless the area has been designated as off-leash. Another good reason to get the training basics right now, rather than waiting for the rule to land.",[],{"type":70,"text":1804,"spans":1926,"direction":73},[],{"type":70,"text":1928,"spans":1929,"direction":73},"But responsible ownership goes beyond that – it also means recognising that not every animal wants to socialise. That odd little dog at the dog park may necessarily want your dog bounding over to say hello. A wagging tail may not always be what you think it is – and that’s where their body language and overall behaviour give us clear clues. So, it’s not just your dog that needs training – you need training too, to make sense of animal signals, read the canine room, and prevent any incidents from escalating.",[1930],{"start":1931,"end":1932,"type":1523},392,395,{"type":70,"text":1804,"spans":1934,"direction":73},[],{"type":70,"text":1936,"spans":1937,"direction":73},"Check your insurance benefits for better socialisation training. Miway’s comprehensive pet cover includes puppy training and socialisation classes, with other benefits like vaccinations, sterilisation, health checks and tick-and-flea treatment.",[1938],{"start":1939,"end":1940,"type":216,"data":1941},65,96,{"link_type":78,"url":1828,"target":135},"article_content_text$6bda86c6-54a4-4df6-9ea8-d269a724e382",{"variation":1508,"version":1509,"items":1944,"primary":1945,"id":1964,"slice_type":1525,"slice_label":9},[],{"heading":1946,"content":1947,"link_heading":1364},"Know your pet’s normal",[1948,1951,1954,1956,1959,1961],{"type":70,"text":1949,"spans":1950,"direction":73},"Knowing what normal looks like might just be the most powerful pet hack of all.",[],{"type":70,"text":1952,"spans":1953,"direction":73},"How much does your cat typically eat? How much water does your dog drink in the day? Where do they usually sleep? How energetic are they? Our four-legged family members can’t tell us, “I’ve felt a bit off since Friday.” They show us.",[],{"type":70,"text":1804,"spans":1955,"direction":73},[],{"type":70,"text":1957,"spans":1958,"direction":73},"A Labrador who normally considers mealtimes a cause for celebration and suddenly leaves his bowl untouched is telling you something. So is the sociable cat that suddenly spends all day hiding under the bed.",[],{"type":70,"text":1804,"spans":1960,"direction":73},[],{"type":70,"text":1962,"spans":1963,"direction":73},"Changes in bathroom habits, breathing or behaviour are worth watching out for. If something feels wrong relative to their appetite, drinking or movement, check in with your vet. Knowing your pet well is not about being a bit sentimental. It can be life-saving intel.",[],"article_content_text$afb19563-c8e9-40ff-a634-082e4528afa3",{"variation":1508,"version":1509,"items":1966,"primary":1967,"id":1993,"slice_type":1525,"slice_label":9},[],{"heading":1968,"content":1969,"link_heading":1364},"Plan for the ridiculous as well as the routine",[1970,1973,1975,1978,1980,1983,1985,1988,1990],{"type":70,"text":1971,"spans":1972,"direction":73},"Our fur babies have an extraordinary ability to create their own emergencies – usually by deciding that something totally inedible is worth gulping down in one go. Toys, tape measures, toothpaste, socks, string, shoelaces, balls, Bluetooth earbuds and buttons. The more bizarre the item, the more appealing, it seems.",[],{"type":70,"text":1804,"spans":1974,"direction":73},[],{"type":70,"text":1976,"spans":1977,"direction":73},"Then there are the things nobody ever expects or plans for: a road accident, a vicious dog fight, a sudden illness, that vet visit on a Sunday evening when everything costs double because of course that’s when stuff goes down with our four-legged besties.",[],{"type":70,"text":1804,"spans":1979,"direction":73},[],{"type":70,"text":1981,"spans":1982,"direction":73},"But responsible pet ownership means budgeting for both the predictable, preventative things and for those emergencies. And that’s where insurance kicks in.",[],{"type":70,"text":1804,"spans":1984,"direction":73},[],{"type":70,"text":1986,"spans":1987,"direction":73},"Miway offers you different levels of cover, ranging from accident-only to cover for accidents, illness, hospital care and day-to-day veterinary benefits. Depending on the plan you pick, you can get a range of  lifestyle benefits like sterilisation, vaccinations, dental care, grooming, daycare and parasite treatment.",[],{"type":70,"text":1804,"spans":1989,"direction":73},[],{"type":70,"text":1991,"spans":1992,"direction":73},"Insurance can never replace responsible ownership, but it can help you afford the care your canine or feline kid deserves.",[],"article_content_text$3e328418-462a-4761-9144-7b10804782b4",{"variation":1508,"version":1509,"items":1995,"primary":1996,"id":2007,"slice_type":1525,"slice_label":9},[],{"heading":1997,"content":1998,"link_heading":1364},"This isn't just a Cape Town thing",[1999,2002,2004],{"type":70,"text":2000,"spans":2001,"direction":73},"And in case you’re thinking ‘I don’t live in Cape Town, so this doesn’t really concern me’, Johannesburg has had its own version of these rules since 2005. Tshwane also requires pet registration. Durban has its own limits and nuisance rules.",[],{"type":70,"text":1804,"spans":2003,"direction":73},[],{"type":70,"text":2005,"spans":2006,"direction":73},"So whichever city you're in, the basics are practically the same: know your limits, register your pet, and take your responsibilities seriously. The details of your municipality’s by-laws matter a whole lot  less than the habit of being the kind of pet parent your neighbours, vet and pet can count on, wherever you live.",[],"article_content_text$ef571d65-db7b-4b61-b124-f5843976ebf9",{"variation":1508,"version":1509,"items":2009,"primary":2010,"id":2027,"slice_type":1525,"slice_label":9},[],{"heading":2011,"content":2012,"link_heading":1364},"Love them properly",[2013,2016,2022,2024],{"type":70,"text":2014,"spans":2015,"direction":73},"Here’s the bottom line, though: Our best friends ask so little of us considering how much they give us back. Somewhere safe to sleep, food and a bowl of fresh water, a daily run around the neighbourhood, a frisbee thrown in the park, and, apparently, about 76% of whichever bed you were planning to sleep in.\n\nBut humour aside, we owe it to them to do better. To give them the correct medical care, to put real effort into training them, to microchip and vaccinate them. And to never neglect them.\n\n",[],{"type":70,"text":2017,"spans":2018,"direction":73},"Because if you can’t put those basics in place, you need to ask yourself the hard question of whether you’re really ready to be a responsible pet owner.",[2019],{"start":2020,"end":2021,"type":1523},109,116,{"type":70,"text":1804,"spans":2023,"direction":73},[],{"type":70,"text":2025,"spans":2026,"direction":73},"Cape Town City’s draft by-law may have been about permits and licences, but it’s what’s beyond the law that truly matters.  It’s about hundreds of little acts of love. And all of them say the same thing: You’re part of this family, so we’re going to look after you properly.",[],"article_content_text$8b6b7a23-90df-4c6e-a19d-ee4eb0d46411","What looking after your pet should really look like | Miway","There’s been some noise online about recent draft pet permit rules in the Western Cape. Read more on the and be informed oh how to look after your pet","Pet ownership South Africa, Responsible pet ownership",{"dimensions":2032,"alt":1773,"copyright":9,"url":2033,"id":1775,"edit":2034},{"width":1681,"height":1682},"https://images.prismic.io/miway-website/oSkCnaF1QOiiXxGz_Petinsurance.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":2035,"y":28,"zoom":29,"background":30},523,{"link_type":35},[2038],{"type":70,"text":2039,"spans":2040,"direction":73},"What looking after your pet should really look like.",[],{"id":2042,"type":1693,"tags":2043,"lang":16,"slug":659,"first_publication_date":2044,"last_publication_date":2044,"uid":2045,"link_type":393,"key":2046,"isBroken":395},"ac49-hAAACIACLF9",[920],"2026-04-02T10:03:35+0000","pet-service-block","cb1ad5cc-d86e-4350-9783-260905d59891",[],{"dimensions":2049,"alt":1773,"copyright":9,"url":1774,"id":1775,"edit":2050},{"width":1771,"height":1772},{"x":28,"y":28,"zoom":29,"background":30},{"id":2052,"uid":2053,"url":2054,"type":1470,"href":2055,"tags":2056,"first_publication_date":2058,"last_publication_date":2058,"slugs":2059,"linked_documents":2061,"lang":16,"alternate_languages":2062,"data":2063},"ar4PxBYAAC8AKRgP","airbags-all-around-for-all-new-cars-in-sa--but-what-does-that-mean-for-your-car","/blog/airbags-all-around-for-all-new-cars-in-sa--but-what-does-that-mean-for-your-car","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=at9n2xIAACcA4V78&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ar4PxBYAAC8AKRgP%22%29+%5D%5D",[2057,624,1745,959],"Your car","2026-10-01T08:32:07+0000",[2060],"2026-10-12t0700000000",[],[],{"date":2064,"heading":2065,"duration":9,"article_type":2066,"category":2069,"related_product":2073,"thumbnail":2076,"type":1505,"related_insurance":2082,"slices":2083,"meta_title":2213,"meta_description":2214,"meta_keywords":706,"meta_image":2215,"canonical":2219,"intro":2220,"author":1690,"service_block":2224,"in_this_article":2231,"hero_image":2232},"2026-10-12T07:00:00+0000","Airbags all around for all new cars in SA – but what does that mean for your car?",{"id":1339,"type":1340,"tags":2067,"lang":16,"slug":1342,"first_publication_date":1343,"last_publication_date":1343,"uid":1342,"url":1344,"link_type":393,"key":2068,"isBroken":395},[],"fa3613bf-fb30-4747-b630-3cf5670860d5",{"id":1486,"type":1487,"tags":2070,"lang":16,"slug":1489,"first_publication_date":1490,"last_publication_date":1491,"uid":1492,"url":1344,"data":2071,"link_type":393,"key":2072,"isBroken":395},[],{"name":1763,"tag":1764},"71981ea6-3365-484b-ba5a-5f23dd438bf1",{"id":626,"type":515,"tags":2074,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":2075,"isBroken":395},[519],"5e93e893-6aa9-4822-b9ff-fdd080e11e9e",{"dimensions":2077,"alt":2078,"copyright":9,"url":2079,"id":2080,"edit":2081},{"width":1499,"height":1500},"Car airbags ","https://images.prismic.io/miway-website/ddYXVtO4y5vDZK5z_Carairbags.png?auto=format,compress","ddYXVtO4y5vDZK5z",{"x":28,"y":28,"zoom":29,"background":30},"Car",[2084,2110,2135,2150,2165,2177,2201],{"variation":1508,"version":1509,"items":2085,"primary":2086,"id":2109,"slice_type":1525,"slice_label":9},[],{"heading":2087,"content":2088,"link_heading":1364},"The new rules don't mean a retrofit",[2089,2097,2100,2103],{"type":70,"text":2090,"spans":2091,"direction":73},"If you read the headlines re the airbag rules for new cars in SA, you may have panicked and pictured yourself retrofitting side airbags to your six-year-old hatchback. But you can relax. The gazetted draft specifications only apply to new passenger cars entering the SA market, not cars already registered and out on the road.",[2092],{"start":2093,"end":2094,"type":216,"data":2095},50,64,{"link_type":78,"url":2096,"target":135},"https://www.miway.co.za/car-insurance",{"type":70,"text":2098,"spans":2099,"direction":73},"So if your trusty sedan only has front airbags, it won't automatically be unroadworthy when the new rules kick in.",[],{"type":70,"text":2101,"spans":2102,"direction":73},"In any event, retrofitting complex airbag systems would be far too complicated and costly. Airbags form part of a functionally integrated safety system that involves sensors, seatbelts, control modules and the car's actual structure.",[],{"type":70,"text":2104,"spans":2105,"direction":73},"The point is, the new rules are less about retroactive fixes and more to do with raising the minimum safety standard for all cars sold in future.",[2106],{"start":2107,"end":2108,"type":1523},121,129,"article_content_text$5ae5821f-a4ba-4499-bd94-baa22889a1ac",{"variation":1508,"version":1509,"items":2111,"primary":2112,"id":2134,"slice_type":1525,"slice_label":9},[],{"heading":2113,"content":2114,"link_heading":1364},"Tracking the change",[2115,2122,2125,2128,2131],{"type":70,"text":2116,"spans":2117,"direction":73},"The gazetted draft does go into a bit more detail than simply saying 'fit more airbags.' It proposes that new sedans have airbags to protect all passengers and not just the driver and front passenger.",[2118],{"start":28,"end":2119,"type":216,"data":2120},18,{"link_type":78,"url":2121,"target":135},"https://www.fanews.co.za/article/non-life/15/motor/1023/the-automobile-association-of-south-africa-comments-re-public-notification-government-gazette-vc-8022-24-compulsory-specification-for-motor-vehicles/44567",{"type":70,"text":2123,"spans":2124,"direction":73},"It also proposes stronger side-impact protection. The AA has been pushing for better side and 'curtain' protection for years, particularly in entry-level cars where safety features are often pared back to keep prices down.",[],{"type":70,"text":2126,"spans":2127,"direction":73},"'Curtain'-what? you may ask. These are bags that deploy from the roof above your side windows and drop down like a curtain along the side of the car's cabin. They protect the head and upper body in a side-impact crash and, in some designs, during a rollover. They're different to front airbags (designed to protect you in a frontal crash) and side airbags (built into the seat or door area to protect the pelvis and torso).",[],{"type":70,"text":2129,"spans":2130,"direction":73},"That's important because a curtain airbag can protect more than one passenger position. So it's not really about whether a five-seater car needs five separate airbags. It's about whether everyone in the car has enough protection when things go wrong.",[],{"type":70,"text":2132,"spans":2133,"direction":73},"And in addition to those airbag standards, the same draft proposal raises the bar on Electronic Stability Control (ESC), the system that automatically kicks in to help a driver keep control if the car starts to skid. All good things, of course, but what are the implications?",[],"article_content_text$4f71249c-9849-4ece-936d-4bb24cad2741",{"variation":1508,"version":1509,"items":2136,"primary":2137,"id":2149,"slice_type":1525,"slice_label":9},[],{"heading":2138,"content":2139,"link_heading":1364},"More protection can mean a higher price tag",[2140,2143,2146],{"type":70,"text":2141,"spans":2142,"direction":73},"We South Africans, tough as we may be, are already battling with the cost of new cars, and entry-level models are where every cent makes a huge difference.",[],{"type":70,"text":2144,"spans":2145,"direction":73},"The extra airbags, sensors, control systems and engineering needed to meet stricter crash standards all come at a cost. Stats SA has already flagged that safety features like side curtain airbags can push up manufacturing prices.  And the AA advocates strongly for better safety in entry-level cars, where cost pressures often lead to safety features being left out.",[],{"type":70,"text":2147,"spans":2148,"direction":73},"But it's fairly obvious that it's going to impact people's purchasing decisions: safer cars are an absolute good given our accident stats, but if the cheapest new cars become even less affordable, we may simply stick with older cars for longer – and that may not be ideal from a safety point of view.",[],"article_content_text$ea9ef921-1aad-4501-87ac-b41048639699",{"variation":1508,"version":1509,"items":2151,"primary":2152,"id":2164,"slice_type":1525,"slice_label":9},[],{"heading":2153,"content":2154,"link_heading":1364},"What does this mean for local manufacturing?",[2155,2158,2161],{"type":70,"text":2156,"spans":2157,"direction":73},"SA's motor industry is heavily geared for exports. In fact, more than 70% of locally made light vehicles were exported in 2025, with many making their way to markets that already insist on stricter safety standards. This means that some locally built models are already engineered to meet more exacting international benchmarks.",[],{"type":70,"text":2159,"spans":2160,"direction":73},"But local models and entry-level versions may still need additional changes. On top of this, suppliers could face higher component costs, plus there are homologation expenses – that's just a fancy term or the cost of getting a car tested, approved and certified so it can legally be sold in a particular country.",[],{"type":70,"text":2162,"spans":2163,"direction":73},"All of this is important for the automotive industry, because it's one of SA's largest, and contributes massively to exports, employment and industrial output.",[],"article_content_text$25ea28f4-f418-4f0c-acf3-2b642913cfa1",{"variation":1508,"version":1509,"items":2166,"primary":2167,"id":2176,"slice_type":1525,"slice_label":9},[],{"heading":2168,"content":2169,"link_heading":1364},"Are stricter standards landing anytime soon?",[2170,2173],{"type":70,"text":2171,"spans":2172,"direction":73},"There's always a pretty lengthy time lag between the government gazetting of new regulations and their application. The draft was first published in July 2026 for public comment, and closed after a two-month consultation period. It still needs to be finalised before it becomes law, but the adoption date is set for 1 February 2029. The exact date when the new rules will start to apply has not yet been confirmed.",[],{"type":70,"text":2174,"spans":2175,"direction":73},"Thankfully, this gives manufacturers some time to adapt, and consumers time to understand what's really going to change.",[],"article_content_text$9d877edc-2386-4c69-ac2b-547177150f20",{"variation":1508,"version":1509,"items":2178,"primary":2179,"id":2200,"slice_type":1525,"slice_label":9},[],{"heading":2180,"content":2181,"link_heading":1364},"Could fewer airbags compromise your cover?",[2182,2185,2191,2197],{"type":70,"text":2183,"spans":2184,"direction":73},"If your less-than-new car is still legally roadworthy, the fact that it has fewer airbags than a future vehicle standard would not, by itself, make it uninsurable or lead to a claim being denied. A rule for future vehicle production does not retrospectively rewrite the rule of every older car already on the road.",[],{"type":70,"text":2186,"spans":2187,"direction":73},"On top of that, comprehensive car insurance typically covers damage to your insured vehicle and the third party's damage. But injury to passengers is generally dealt with separately, including through the Road Accident Fund, if negligence and bodily injury are involved.",[2188],{"start":2189,"end":2190,"type":1523},91,95,{"type":70,"text":2192,"spans":2193,"direction":73},"So, five years from now, if someone sitting in the back of an older car is injured in an accident, the question wouldn't really be: Did this car have the latest airbag setup?\nThe more important question would be whether the car was legally roadworthy, who or what caused the accident, what cover applies, and what the specific policy and liability wording is.",[2194],{"start":2195,"end":2196,"type":1523},132,175,{"type":70,"text":2198,"spans":2199,"direction":73},"That said, insurers will likely adjust the underwriting, repair-costs or policy wording as newer safety standards come into force. More airbags and sensors may make cars safer, but they can also make accident repairs more complex and costly.",[],"article_content_text$2ad60120-33d8-4529-8162-b952b73c67b0",{"variation":1508,"version":1509,"items":2202,"primary":2203,"id":2212,"slice_type":1525,"slice_label":9},[],{"heading":2204,"content":2205,"link_heading":1364},"Miway's take? Safer is always better",[2206,2209],{"type":70,"text":2207,"spans":2208,"direction":73},"Our approach is practical and simple. If your current car is legal and roadworthy, you won't suddenly need to redesign it based on future regulations.",[],{"type":70,"text":2210,"spans":2211,"direction":73},"But the proposed rule is still worth paying attention to. Because when you buy your next car, safety specs may matter just as much as fuel efficiency, monthly premiums and what infotainment system you decide to install. Safer, we believe, is always better.",[],"article_content_text$c3f8a430-3796-45c8-95ab-e50d0637c0d2","Airbags All Around for All New Cars in SA | Miway Car Insurance","The government has gazetted a draft for tougher airbag and crash-protection standards in new cars sold in SA. Get more information at Miway Insurance.",{"dimensions":2216,"alt":2078,"copyright":9,"url":2217,"id":2080,"edit":2218},{"width":1681,"height":1682},"https://images.prismic.io/miway-website/ddYXVtO4y5vDZK5z_Carairbags.png?auto=format,compress&rect=0,32,1672,878&w=2400&h=1260",{"x":28,"y":705,"zoom":29,"background":30},{"link_type":35},[2221],{"type":70,"text":2222,"spans":2223,"direction":73},"The government has gazetted a draft for tougher airbag and crash-protection standards in new cars sold in South Africa. That's a good thing for all of us, but what does it mean for your current car, the cost of your next one, and your car insurance?",[],{"id":2225,"type":1693,"tags":2226,"lang":16,"slug":631,"first_publication_date":2227,"last_publication_date":2228,"uid":2229,"link_type":393,"key":2230,"isBroken":395},"ZwYbiRAAACEAp-qZ",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block","bb73a7d6-0112-4f8f-bbb8-2777569dd4f5",[],{"dimensions":2233,"alt":2078,"copyright":9,"url":2079,"id":2080,"edit":2234},{"width":1499,"height":1500},{"x":28,"y":28,"zoom":29,"background":30},{"id":2236,"uid":2237,"url":2238,"type":1470,"href":2239,"tags":2240,"first_publication_date":2241,"last_publication_date":2242,"slugs":2243,"linked_documents":2245,"lang":16,"alternate_languages":2246,"data":2247},"asi2CBIAACgAyLIh","how-to-spring-clean-your-home-insurance-before-year-end","/blog/how-to-spring-clean-your-home-insurance-before-year-end","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=at9n2xIAACcA4V78&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asi2CBIAACgAyLIh%22%29+%5D%5D",[761,959,1745],"2026-10-09T11:31:40+0000","2026-10-15T07:45:55+0000",[2244],"2026-10-09t0800000000",[],[],{"date":2248,"heading":2249,"duration":9,"article_type":2250,"category":2253,"related_product":2257,"thumbnail":2260,"type":1505,"related_insurance":9,"slices":2266,"meta_title":2460,"meta_description":2461,"meta_keywords":2462,"meta_image":2463,"canonical":2467,"intro":2468,"author":1690,"service_block":2472,"in_this_article":2478,"hero_image":2479},"2026-10-09T08:00:00+0000","How to spring clean your home insurance before year end",{"id":1367,"type":1340,"tags":2251,"lang":16,"slug":1369,"first_publication_date":1370,"last_publication_date":1370,"uid":1369,"url":1344,"link_type":393,"key":2252,"isBroken":395},[],"5294bd51-dbf7-4c51-a9cd-979694801cbb",{"id":1486,"type":1487,"tags":2254,"lang":16,"slug":1489,"first_publication_date":1490,"last_publication_date":1491,"uid":1492,"url":1344,"data":2255,"link_type":393,"key":2256,"isBroken":395},[],{"name":1763,"tag":1764},"c76a6e29-7189-4e11-8f55-6a686c67e11a",{"id":772,"type":515,"tags":2258,"lang":16,"slug":774,"first_publication_date":775,"last_publication_date":776,"uid":777,"url":778,"link_type":393,"key":2259,"isBroken":395},[517,688,519],"8015c9aa-5a6b-496e-a047-9193e4d97a34",{"dimensions":2261,"alt":2262,"copyright":9,"url":2263,"id":2264,"edit":2265},{"width":1771,"height":1772},"Home insurance audit","https://images.prismic.io/miway-website/fDlHZtQINX_2nn1P_01.HomeImprovements.jpg?auto=format,compress","fDlHZtQINX_2nn1P",{"x":28,"y":28,"zoom":29,"background":30},[2267,2279,2296,2312,2324,2336,2363,2375,2413,2422],{"variation":1508,"version":1509,"items":2268,"primary":2269,"id":2278,"slice_type":1525,"slice_label":9},[],{"heading":2270,"content":2271,"link_heading":1364},"Why spring is a good time to review home insurance",[2272,2275],{"type":70,"text":2273,"spans":2274,"direction":73},"Spring cleaning often reveals how much a household has changed. A new appliance may have replaced an older model, a spare room may now be a home office, or a renovation may have increased rebuilding costs. Insurance works best when those changes are reflected accurately.",[],{"type":70,"text":2276,"spans":2277,"direction":73},"Reviewing cover before year-end travel and holiday spending also gives households time to correct valuations, confirm security requirements and organise proof of ownership before an emergency occurs.",[],"article_content_text$94dcfe71-78da-4103-9b8c-16632a930bb0",{"variation":1508,"version":1509,"items":2280,"primary":2281,"id":2295,"slice_type":1525,"slice_label":9},[],{"heading":2282,"content":2283,"link_heading":1364},"Start with the correct type of home cover",[2284,2292],{"type":70,"text":2285,"spans":2286,"direction":73},"Buildings insurance generally protects the structure and permanent fixtures, including insured renovations and fixed installations. Home contents insurance generally protects eligible movable belongings kept at the insured address. Portable possessions or all-risk cover may be needed for specified items such as laptops, phones, cameras or jewellery when they leave the home.",[2287],{"start":2288,"end":2289,"type":216,"data":2290},232,252,{"link_type":78,"url":2291,"target":135},"https://www.miway.co.za/blog/what-you-should-know-about-all-risk-insurance",{"type":70,"text":2293,"spans":2294,"direction":73},"Homeowners may need both buildings and contents cover. Tenants usually need to protect their own belongings because a landlord’s building policy generally does not insure the tenant’s personal possessions.",[],"article_content_text$ccd9fd49-424b-497f-81ab-f3f1ed9b0939",{"variation":1508,"version":1509,"items":2297,"primary":2298,"id":2311,"slice_type":1525,"slice_label":9},[],{"heading":2299,"content":2300,"link_heading":1364},"Recalculate rebuilding and replacement values",[2301,2304],{"type":70,"text":2302,"spans":2303,"direction":73},"The building sum insured should generally reflect the cost of rebuilding the insured structure, not its municipal or sale value. The household contents sum insured should reflect the current cost of replacing eligible belongings with new items of a similar type and quality, subject to the policy definition.",[],{"type":70,"text":2305,"spans":2306,"direction":73},"Walk through every room, garage, storeroom and outdoor area. Include furniture, appliances, electronics, clothing, linen, kitchenware, tools, home-office equipment, décor and other possessions that are easy to overlook. Miway’s home asset audit guide explains why accurate totals matter when an average clause applies.",[2307],{"start":2308,"end":1845,"type":216,"data":2309},228,{"link_type":78,"url":2310,"target":135},"https://www.miway.co.za/blog/home-asset-audit-checklist-how-to-avoid-underinsurance-in-south-africa","article_content_text$25553666-e752-4035-b437-e099ce7321d6",{"variation":1508,"version":1509,"items":2313,"primary":2314,"id":2323,"slice_type":1525,"slice_label":9},[],{"heading":2315,"content":2316,"link_heading":1364},"Tell the insurer about renovations and solar equipment",[2317,2320],{"type":70,"text":2318,"spans":2319,"direction":73},"Renovations, additions, outbuildings and fixed improvements can change the building’s replacement cost and risk profile. Solar panels, inverters and battery systems may also need to be declared and categorised correctly, depending on whether they are permanently installed or movable.",[],{"type":70,"text":2321,"spans":2322,"direction":73},"Keep invoices, installation records, warranties and any relevant compliance documents. Confirm the cover, limits, security requirements and exclusions instead of assuming that new equipment is automatically protected.",[],"article_content_text$e2714cc6-d833-40ce-b380-9b50d5f85a7c",{"variation":1508,"version":1509,"items":2325,"primary":2326,"id":2335,"slice_type":1525,"slice_label":9},[],{"heading":2327,"content":2328,"link_heading":1364},"Add new purchases and remove items you no longer own",[2329,2332],{"type":70,"text":2330,"spans":2331,"direction":73},"Update the policy after buying or receiving high-value furniture, appliances, electronics, jewellery, art or home-office equipment. Some items may need to be specified individually or supported by a valuation.",[],{"type":70,"text":2333,"spans":2334,"direction":73},"Also remove specified belongings that have been sold, replaced, donated or given away. This keeps the schedule accurate and avoids paying for item-specific cover that no longer serves a purpose. Do not reduce the total contents sum without recalculating the full household replacement value.",[],"article_content_text$6fe0152a-a8f6-471b-abfd-6b787553870f",{"variation":1508,"version":1509,"items":2337,"primary":2338,"id":2362,"slice_type":1525,"slice_label":9},[],{"heading":2339,"content":2340,"link_heading":1364},"Create a home inventory and evidence file",[2341,2344,2347,2350,2353,2356,2359],{"type":70,"text":2342,"spans":2343,"direction":73},"·       Photograph each room and valuable item.",[],{"type":70,"text":2345,"spans":2346,"direction":73},"·       Record model names and serial numbers for electronics and appliances.",[],{"type":70,"text":2348,"spans":2349,"direction":73},"·       Keep receipts and current valuations where available.",[],{"type":70,"text":2351,"spans":2352,"direction":73},"·       Save renovation, solar and installation documents securely.",[],{"type":70,"text":2354,"spans":2355,"direction":73},"·       Store a copy away from the home or in protected cloud storage.",[],{"type":70,"text":2357,"spans":2358,"direction":73},"·       Update the inventory after major purchases or household changes.",[],{"type":70,"text":2360,"spans":2361,"direction":73},"Good records can help establish ownership and value during a claim, but they do not replace the need for correct cover or compliance with policy conditions.",[],"article_content_text$6f833ccc-a69d-41ed-8522-83890496043a",{"variation":1508,"version":1509,"items":2364,"primary":2365,"id":2374,"slice_type":1525,"slice_label":9},[],{"heading":2366,"content":2367,"link_heading":1364},"Check security and maintenance requirements",[2368,2371],{"type":70,"text":2369,"spans":2370,"direction":73},"Confirm that alarms, electric fencing, access controls, locks and other declared security measures are operational. Notify the insurer if security arrangements, occupancy, address or use of the home changes.",[],{"type":70,"text":2372,"spans":2373,"direction":73},"Insurance is not a substitute for maintenance. Attend to roof leaks, plumbing problems, electrical faults, damaged gutters, trees and other preventable hazards. Gradual deterioration and poor maintenance may not be insured.",[],"article_content_text$970d487f-c8a6-4130-9c05-d7ee5db356e3",{"variation":1508,"version":1509,"items":2376,"primary":2377,"id":2412,"slice_type":1525,"slice_label":9},[],{"heading":2378,"content":2379,"link_heading":1364},"A practical home insurance review checklist",[2380,2383,2386,2389,2392,2395,2398,2401,2404],{"type":70,"text":2381,"spans":2382,"direction":73},"·       Download the latest policy schedule and coversheet.",[],{"type":70,"text":2384,"spans":2385,"direction":73},"·       Confirm the insured address, occupancy and contact details.",[],{"type":70,"text":2387,"spans":2388,"direction":73},"·       Recalculate buildings and contents values separately.",[],{"type":70,"text":2390,"spans":2391,"direction":73},"·       Declare renovations, fixed improvements and solar equipment.",[],{"type":70,"text":2393,"spans":2394,"direction":73},"·       Specify valuable and portable possessions where required.",[],{"type":70,"text":2396,"spans":2397,"direction":73},"·       Remove listed items that are no longer owned.",[],{"type":70,"text":2399,"spans":2400,"direction":73},"·       Check excesses, limits, exclusions and security conditions.",[],{"type":70,"text":2402,"spans":2403,"direction":73},"·       Update the home inventory and supporting documents.",[],{"type":70,"text":2405,"spans":2406,"direction":73},"Miway customers can review current home insurance information and contact Miway when policy details need to be updated. The schedule and policy wording remain the final source of the applicable cover.",[2407],{"start":2408,"end":2409,"type":216,"data":2410},35,49,{"link_type":78,"url":2411,"target":135},"https://www.miway.co.za/home-insurance","article_content_text$8b0f70a8-1565-437a-be3d-e09b42197aa9",{"variation":1508,"version":1509,"items":2414,"primary":2415,"id":2421,"slice_type":1525,"slice_label":9},[],{"heading":2416,"content":2417,"link_heading":1364},"The bottom line",[2418],{"type":70,"text":2419,"spans":2420,"direction":73},"Spring-cleaning home insurance is a practical risk check, not an administrative chore. An accurate schedule, realistic replacement values and organised records reduce the chance of discovering a costly gap only after damage, theft or another insured event.",[],"article_content_text$c1aa1f7c-5102-4fb6-bc78-417ae45e0ae5",{"variation":2423,"version":1509,"items":2424,"primary":2425,"id":2459,"slice_type":1525,"slice_label":9},"subheadingBulletLists",[],{"heading":2426,"content":2427,"sub_sections":2428,"link_heading":1364},"Frequently asked questions",[],[2429,2435,2441,2447,2453],{"subheading":2430,"list":2431,"link_subsection":1364},"How often should I review my home insurance?",[2432],{"type":70,"text":2433,"spans":2434,"direction":73},"Review it at least annually and whenever you renovate, move, buy valuable items, install solar equipment, change security or alter how the home is occupied or used.",[],{"subheading":2436,"list":2437,"link_subsection":1364},"Are solar panels and inverters automatically covered?",[2438],{"type":70,"text":2439,"spans":2440,"direction":73},"Not necessarily. Their classification and cover depend on how they are installed and the policy terms. Declare them and confirm the applicable section, limits and conditions.",[],{"subheading":2442,"list":2443,"link_subsection":1364},"What is the difference between buildings and contents insurance?",[2444],{"type":70,"text":2445,"spans":2446,"direction":73},"Buildings insurance generally covers the structure and permanent fixtures. Contents insurance generally covers eligible movable belongings kept at the insured home.",[],{"subheading":2448,"list":2449,"link_subsection":1364},"What happens if my home contents are underinsured?",[2450],{"type":70,"text":2451,"spans":2452,"direction":73},"If an average clause applies, an otherwise valid claim may be reduced proportionately because the total insured amount is below the required replacement value.",[],{"subheading":2454,"list":2455,"link_subsection":1364},"Should I remove items from my policy after selling them?",[2456],{"type":70,"text":2457,"spans":2458,"direction":73},"Yes, especially individually specified items. Ask the insurer to update the schedule, but recalculate the full contents value before reducing the total sum insured.",[],"article_content_text$68f128b6-b359-4e6b-a7f3-48afa1d3389c","Spring Clean Your Home Insurance in South Africa | Miway","Use this home insurance checklist to update building and contents values, declare renovations and solar equipment, docs valuables and avoid underinsurance.","home insurance",{"dimensions":2464,"alt":2262,"copyright":9,"url":2465,"id":2264,"edit":2466},{"width":1681,"height":1682},"https://images.prismic.io/miway-website/fDlHZtQINX_2nn1P_01.HomeImprovements.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":2035,"y":28,"zoom":29,"background":30},{"link_type":35},[2469],{"type":70,"text":2470,"spans":2471,"direction":73},"A home insurance review should confirm that buildings, household contents and portable possessions still match the home you have today. Renovations, solar systems, new appliances, furniture and electronics can increase replacement costs, while sold or donated belongings may make old policy details inaccurate.",[],{"id":2473,"type":1693,"tags":2474,"lang":16,"slug":777,"first_publication_date":2475,"last_publication_date":2476,"uid":777,"link_type":393,"key":2477,"isBroken":395},"akuheBEAACsACNSf",[761,688],"2026-07-06T13:17:07+0000","2026-07-07T07:58:00+0000","69a9d066-8162-4491-bc1f-3d1d7a4b8b9b",[],{"dimensions":2480,"alt":2262,"copyright":9,"url":2263,"id":2264,"edit":2481},{"width":1771,"height":1772},{"x":28,"y":28,"zoom":29,"background":30},{"id":2483,"uid":2484,"url":2485,"type":1470,"href":2486,"tags":2487,"first_publication_date":2488,"last_publication_date":2488,"slugs":2489,"linked_documents":2491,"lang":16,"alternate_languages":2492,"data":2493},"asijBxIAACsAyIig","pause-verify-protect-simple-ways-to-stay-safer-online","/blog/pause-verify-protect-simple-ways-to-stay-safer-online","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=at9n2xIAACcA4V78&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asijBxIAACsAyIig%22%29+%5D%5D",[],"2026-10-09T08:31:48+0000",[2490],"2026-10-09t0500000000",[],[],{"date":2494,"heading":2495,"duration":9,"article_type":2496,"category":2499,"related_product":2503,"thumbnail":2504,"type":1505,"related_insurance":9,"slices":2510,"meta_title":2638,"meta_description":2639,"meta_keywords":2640,"meta_image":2641,"canonical":2645,"intro":2646,"author":1690,"service_block":2649,"in_this_article":2657,"hero_image":2658},"2026-10-09T05:00:00+0000","Pause, verify, protect: Simple ways to stay safer online",{"id":1376,"type":1340,"tags":2497,"lang":16,"slug":1378,"first_publication_date":1379,"last_publication_date":1380,"uid":1378,"url":1344,"link_type":393,"key":2498,"isBroken":395},[],"741c55a3-ab80-42bc-9c64-c7f8b2c03036",{"id":1486,"type":1487,"tags":2500,"lang":16,"slug":1489,"first_publication_date":1490,"last_publication_date":1491,"uid":1492,"url":1344,"data":2501,"link_type":393,"key":2502,"isBroken":395},[],{"name":1763,"tag":1764},"41c639e1-ed16-42f7-8dfe-42495bf9f684",{"link_type":393},{"dimensions":2505,"alt":2506,"copyright":9,"url":2507,"id":2508,"edit":2509},{"width":1771,"height":1772},"Cyber Security","https://images.prismic.io/miway-website/6Z5a5GnbaU3eFHwd_03.Cyberthreats_.jpg?auto=format,compress","6Z5a5GnbaU3eFHwd",{"x":28,"y":28,"zoom":29,"background":30},[2511,2523,2550,2569,2600,2612],{"variation":1508,"version":1509,"items":2512,"primary":2513,"id":2522,"slice_type":1525,"slice_label":9},[],{"heading":9,"content":2514,"link_heading":1364},[2515],{"type":70,"text":2516,"spans":2517,"direction":73},"Online scams often succeed by creating urgency. A message may appear genuine and pressure you to click a link, share information or approve a request before you have time to think.",[2518],{"start":28,"end":2519,"type":216,"data":2520},12,{"link_type":78,"url":2521,"target":135},"https://www.miway.co.za/blog/why-cybercrime-should-be-a-top-business-priority","article_content_text$c87b9c7b-ae5b-4eb8-82bb-257bcde27352",{"variation":1508,"version":1509,"items":2524,"primary":2525,"id":2549,"slice_type":1525,"slice_label":9},[],{"heading":2526,"content":2527,"link_heading":1364},"Start with your online accounts",[2528,2531,2534,2537,2540,2543],{"type":70,"text":2529,"spans":2530,"direction":73},"Email accounts can be a gateway to other online services, whether they are personal addresses or work email accounts. These habits can reduce the risk:",[],{"type":70,"text":2532,"spans":2533,"direction":73},"·       Use a long, unique password for each account. Avoid names, dates or details that are easy to guess.",[],{"type":70,"text":2535,"spans":2536,"direction":73},"·       Store passwords in a trusted password manager instead of reusing or sharing them.",[],{"type":70,"text":2538,"spans":2539,"direction":73},"·       Turn on multi-factor authentication wherever possible.",[],{"type":70,"text":2541,"spans":2542,"direction":73},"·       Never share a username, password or one-time PIN following an unexpected request. Miway will never ask for a customer’s username or password.",[],{"type":70,"text":2544,"spans":2545,"direction":73},"·       Keep your email address and mobile number current on the Miway Self-Service Portal.",[2546],{"start":1939,"end":2189,"type":216,"data":2547},{"link_type":78,"url":2548,"target":135},"https://selfservice.miway.co.za/login-register/?_gl=1%2apqvi1j%2a_gcl_aw%2aR0NMLjE3OTExOTM2MTAuQ2p3S0NBandsWTNXQmhBTkVpd0Fwc05yTGRNd1JtYVRERlhKQ1VSbG9ubThZaEJ2aEtMU3pycTdNNk5IdklqVl9KNmM2LXN3b0lMNDhob0N0YllRQXZEX0J3RQ..%2a_gcl_dc%2aR0NMLjE3OTExOTM2MTAuQ2p3S0NBandsWTNXQmhBTkVpd0Fwc05yTGRNd1JtYVRERlhKQ1VSbG9ubThZaEJ2aEtMU3pycTdNNk5IdklqVl9KNmM2LXN3b0lMNDhob0N0YllRQXZEX0J3RQ..%2a_gcl_au%2aMTY4NzY0ODUwNy4xNzg5Mjk3NzQw%2a_ga%2aMjQ3Mzg2MzQ1LjE3ODE1MTg2MTM.%2a_ga_H5C6GQLQY1%2aczE3OTE1Mjc3NzQkbzkkZzEkdDE3OTE1MzM3MTUkajE5JGwwJGgxNDgyOTAwNjA0JGRjVWpsNGw4WDJEWWtGalBIM2pIcDNGQlBaT3cwWjdCenRn","article_content_text$27596e2d-6f92-486c-8628-2a18a1e27ad5",{"variation":1508,"version":1509,"items":2551,"primary":2552,"id":2568,"slice_type":1525,"slice_label":9},[],{"heading":2553,"content":2554,"link_heading":1364},"Check before you click",[2555,2558,2560],{"type":70,"text":2556,"spans":2557,"direction":73},"Fake links can closely resemble legitimate ones. On a computer, hover over a link to preview its destination. On a mobile device, avoid opening an uncertain link and instead navigate to the organisation’s official website independently. You can also type the organisation’s address into your browser or use a trusted bookmark.",[],{"type":70,"text":1804,"spans":2559,"direction":73},[],{"type":70,"text":2561,"spans":2562,"direction":73},"Check the full address for misspellings, added words or small variations designed to mislead you. Miway’s legitimate website uses the www.miway.co.za domain.",[2563],{"start":2564,"end":2565,"type":216,"data":2566},134,149,{"link_type":78,"url":2567,"target":135},"http://www.miway.co.za","article_content_text$3a897f57-22e6-4691-9f75-a522e8084577",{"variation":1508,"version":1509,"items":2570,"primary":2571,"id":2599,"slice_type":1525,"slice_label":9},[],{"heading":2572,"content":2573,"link_heading":1364},"Recognise the signs of phishing",[2574,2577,2579,2582,2584,2587,2590,2593,2596],{"type":70,"text":2575,"spans":2576,"direction":73},"Phishing is a deceptive message that appears to come from a trusted source and tries to persuade you to share sensitive information, open a harmful link or approve an unauthorised action.",[],{"type":70,"text":1804,"spans":2578,"direction":73},[],{"type":70,"text":2580,"spans":2581,"direction":73},"These types of messages may target customers, employees or anyone responsible for handling or sharing information:",[],{"type":70,"text":1804,"spans":2583,"direction":73},[],{"type":70,"text":2585,"spans":2586,"direction":73},"·       An unexpected request for personal or account information",[],{"type":70,"text":2588,"spans":2589,"direction":73},"·       Pressure to act immediately",[],{"type":70,"text":2591,"spans":2592,"direction":73},"·       A suspicious or misspelled web address",[],{"type":70,"text":2594,"spans":2595,"direction":73},"·       An unfamiliar attachment or login page",[],{"type":70,"text":2597,"spans":2598,"direction":73},"·       A request for a password or one-time PIN",[],"article_content_text$610533a8-6f43-44e3-98f2-5148f8d6454e",{"variation":1508,"version":1509,"items":2601,"primary":2602,"id":2611,"slice_type":1525,"slice_label":9},[],{"heading":2603,"content":2604,"link_heading":1364},"If something has already happened",[2605,2608],{"type":70,"text":2606,"spans":2607,"direction":73},"If you clicked a suspicious link or shared personal, login or financial information, stop interacting with the message or website. Take appropriate steps to secure the affected account(s), such as changing passwords from a trusted device and enabling multi-factor authentication where available. If you shared banking or payment information, contact your bank or financial institution immediately. Report the incident to the affected service provider and, where appropriate, to the relevant law-enforcement or regulatory authority.",[],{"type":70,"text":1804,"spans":2609,"direction":73},[2610],{"start":28,"end":29,"type":1788},"article_content_text$9fcb1145-a417-49fe-b1c9-ba866fdec5f4",{"variation":1508,"version":1509,"items":2613,"primary":2614,"id":2637,"slice_type":1525,"slice_label":9},[],{"heading":2615,"content":2616,"link_heading":1364},"Remember: pause, verify and protect",[2617,2622,2628],{"type":70,"text":2618,"spans":2619,"direction":73},"1.         Pause: Stop before responding to an unexpected or urgent message.",[2620],{"start":2621,"end":1517,"type":1788},11,{"type":70,"text":2623,"spans":2624,"direction":73},"2.       Verify: Confirm the sender or request independently using contact details or a website you trust.",[2625],{"start":2626,"end":2627,"type":1788},9,16,{"type":70,"text":2629,"spans":2630,"direction":73},"3.       Protect: Secure your accounts and report anything suspicious.\n\nStaying safer online starts with a simple habit: pause before you act. Don’t use contact details or links provided in suspicious messages. Instead, use the organisation’s official website, app, or other trusted contact details to verify the request. For more guidance, visit Miway’s Stay Safe Online page.",[2631,2632],{"start":2626,"end":1517,"type":1788},{"start":2633,"end":2634,"type":216,"data":2635},347,376,{"link_type":78,"url":2636,"target":135},"https://www.miway.co.za/stay-safe-online","article_content_text$57c671db-be0e-438d-95e9-77b934eb7317","Simple Ways to Stay Safer Online | Miway Insurance","Staying safe online starts with a simple habit: pause before you act. Don’t use contact details or links provided in suspicious messages. Get tips at Miway","cyber security, prevent online scams",{"dimensions":2642,"alt":2506,"copyright":9,"url":2643,"id":2508,"edit":2644},{"width":1681,"height":1682},"https://images.prismic.io/miway-website/6Z5a5GnbaU3eFHwd_03.Cyberthreats_.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":2035,"y":28,"zoom":29,"background":30},{"link_type":35},[2647],{"type":70,"text":2516,"spans":2648,"direction":73},[],{"id":2650,"type":1693,"tags":2651,"lang":16,"slug":2652,"first_publication_date":2653,"last_publication_date":2654,"uid":2655,"link_type":393,"key":2656,"isBroken":395},"ZwY4_BAAACAAqBd3",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block","6a6ecd31-d6d7-4111-bbc4-26524fb7a2b0",[],{"dimensions":2659,"alt":2506,"copyright":9,"url":2507,"id":2508,"edit":2660},{"width":1771,"height":1772},{"x":28,"y":28,"zoom":29,"background":30},1793031472791]