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If your business relies on vehicles, deliveries or transport, this could be a good opportunity to review the costs you can control, including your insurance. ",[],"article_content_text$13b053a8-744e-453a-bddb-c3b88e7091c2","article_content_text",{"variation":1503,"version":1504,"items":1517,"primary":1518,"id":1543,"slice_type":1515,"slice_label":9},[],{"heading":1519,"content":1520,"link_heading":1364},"How petrol price increases impact South African businesses",[1521,1524,1527,1537,1540],{"type":70,"text":1522,"spans":1523,"direction":73},"From 7 October 2026, petrol 95 increased by R3.33 per litre, petrol 93 by R3.12 per litre, while diesel increased by between R2.84 and R3.24 per litre. The increases were driven largely by higher international crude oil and petroleum product prices.  ",[],{"type":70,"text":1525,"spans":1526,"direction":73},"For businesses that depend on vehicles, deliveries and road transport, the impact can quickly extend beyond the fuel bill. ",[],{"type":70,"text":1528,"spans":1529,"direction":73},"According to Road Freight Association CEO Gavin Kelly, fuel can account for 35% to 55% of operating costs for logistics companies, depending on the operation, routes and vehicles involved.  ",[1530,1535],{"start":1531,"end":1532,"type":216,"data":1533},76,129,{"link_type":78,"url":1534,"target":135},"https://www.businessday.co.za/motoring/2026-10-07-gavin-kelly-fuel-price-increases-only-start-at-the-pump/?utm_source=chatgpt.com",{"start":1531,"end":1532,"type":1536},"strong",{"type":70,"text":1538,"spans":1539,"direction":73},"So, what can your businesses actually do? ",[],{"type":70,"text":1541,"spans":1542,"direction":73},"You can't control the price of fuel. But you can look for ways to reduce the impact it has on your bottom line. ",[],"article_content_text$ce28f68f-01c0-46c5-b6f4-03abfa1fd4bc",{"variation":1545,"version":1504,"items":1546,"primary":1547,"id":1672,"slice_type":1515,"slice_label":9},"subheadingBulletLists",[],{"heading":1548,"content":1549,"sub_sections":1550,"link_heading":1364},"Area's worth reviewing to navigate the petrol price increase.",[],[1551,1569,1597,1627,1660],{"subheading":1552,"list":1553,"link_subsection":1364},"Understand the true cost of the petrol price increase",[1554,1557,1560,1563,1566],{"type":70,"text":1555,"spans":1556,"direction":73},"Before making cuts, understand exactly what the increase means for your business. ",[],{"type":70,"text":1558,"spans":1559,"direction":73},"Look at your average monthly fuel consumption and compare it with what you were spending before the increase. ",[],{"type":70,"text":1561,"spans":1562,"direction":73},"For example, if your business uses 5 000 litres of diesel a month, an increase of R3 per litre represents approximately R15 000 in additional monthly fuel costs. ",[],{"type":70,"text":1564,"spans":1565,"direction":73},"That number gives you something useful to work with. ",[],{"type":70,"text":1567,"spans":1568,"direction":73},"Once you know the size of the problem, you can start looking at where to recover some of that additional cost. ",[],{"subheading":1570,"list":1571,"link_subsection":395},"Find the kilometres that aren't making you money",[1572,1575,1578,1582,1585,1588,1591,1594],{"type":70,"text":1573,"spans":1574,"direction":73},"For businesses that rely on vehicles, not every kilometre is equally valuable. ",[],{"type":70,"text":1576,"spans":1577,"direction":73},"Look at: ",[],{"type":1579,"text":1580,"spans":1581,"direction":73},"list-item","Empty return trips ",[],{"type":1579,"text":1583,"spans":1584,"direction":73},"Unnecessary journeys ",[],{"type":1579,"text":1586,"spans":1587,"direction":73},"Poorly planned delivery routes ",[],{"type":1579,"text":1589,"spans":1590,"direction":73},"Multiple vehicles covering the same areas ",[],{"type":1579,"text":1592,"spans":1593,"direction":73},"Deliveries that could be consolidated ",[],{"type":70,"text":1595,"spans":1596,"direction":73},"Small inefficiencies become more expensive when fuel prices rise. A route that was marginally profitable six months ago may now be costing more than it earns. The goal isn't simply to use less fuel. It's to get more value from every kilometre you travel.",[],{"subheading":1598,"list":1599,"link_subsection":1364},"Review your pricing",[1600,1603,1606,1609,1612,1615,1618,1621,1624],{"type":70,"text":1601,"spans":1602,"direction":73},"If your operating costs increase but your prices don't, your margins absorb the difference. This is particularly important for businesses that provide deliveries, transport or field services. ",[],{"type":70,"text":1604,"spans":1605,"direction":73},"Review your current pricing and ask: ",[],{"type":1579,"text":1607,"spans":1608,"direction":73},"When did we last adjust our rates? ",[],{"type":1579,"text":1610,"spans":1611,"direction":73},"Are fuel costs built into our pricing? ",[],{"type":1579,"text":1613,"spans":1614,"direction":73},"Which customers or routes have the lowest margins? ",[],{"type":1579,"text":1616,"spans":1617,"direction":73},"Are our delivery fees still appropriate? ",[],{"type":1579,"text":1619,"spans":1620,"direction":73},"Can deliveries be consolidated? ",[],{"type":1579,"text":1622,"spans":1623,"direction":73},"Do existing contracts allow for cost adjustments? ",[],{"type":70,"text":1625,"spans":1626,"direction":73},"You don't necessarily need to increase prices across the board, but you should know where the additional cost is going to come from. ",[],{"subheading":1628,"list":1629,"link_subsection":1364},"Review your other operating costs",[1630,1633,1636,1639,1642,1645,1648,1651,1654,1657],{"type":70,"text":1631,"spans":1632,"direction":73},"Fuel may be the immediate problem, but it's an opportunity to look at the rest of the cost base too. 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Businesses can select cover according to their needs, with options available for things such as vehicle hire, loss of use and credit shortfall.  ",[1684],{"start":28,"end":1685,"type":216,"data":1686},41,{"link_type":78,"url":1687,"target":135},"https://www.miway.co.za/business-insurance/business-vehicles",{"type":70,"text":1689,"spans":1690,"direction":73},"That doesn't mean every business needs every option, it means your insurance should reflect how your business actually operates.",[],"article_content_text$ea3185a2-ac63-4c9f-b124-9c907b4989a1",{"variation":1503,"version":1504,"items":1693,"primary":1694,"id":1707,"slice_type":1515,"slice_label":9},[],{"heading":1695,"content":1696,"link_heading":395},"Higher fuel costs make every business expense worth revisiting.",[1697,1700],{"type":70,"text":1698,"spans":1699,"direction":73},"Miway Business Insurance offers flexible cover across areas including vehicles and fleets, property, goods in transit, liability and business interruption. Review your current cover and see whether it still gives your business the protection it needs at a price that makes sense. ",[],{"type":70,"text":1701,"spans":1702,"direction":73},"Get a business insurance quote from Miway. ",[1703],{"start":168,"end":1704,"type":216,"data":1705},42,{"link_type":78,"url":1706,"target":135},"https://www.miway.co.za/business-insurance","article_content_text$3b92fdfe-d51a-48ff-8bfe-585e50ae7ca4","Fuel Price Increase | Businesses Can Manage the Impact | Miway","Fuel prices have increased again. Discover practical ways SA businesses can manage the impact, reduce costs and review expenses such as insurance.","business insurance",{"dimensions":1712,"alt":9,"copyright":9,"url":1715,"id":1498,"edit":1716},{"width":1713,"height":1714},2400,1260,"https://images.prismic.io/miway-website/X9DongQagATJxgsC_Set1_2161x585-1-.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":1717,"y":28,"zoom":29,"background":30},523,{"link_type":35},[1720],{"type":70,"text":1721,"spans":1722,"direction":73},"With fuel prices having increased again, many South African businesses are facing higher operating costs.",[],"Miway",{"id":1725,"type":1726,"tags":1727,"lang":16,"slug":1728,"first_publication_date":1729,"last_publication_date":1730,"uid":1731,"data":1732,"link_type":393,"key":1763,"isBroken":395},"ZwY4_BAAACAAqBd3","service_block",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block",{"description":1733,"cta_text":383,"cta_link_href":1737,"buttons":1740,"pictogram":1749,"title":1762},[1734],{"type":70,"text":1735,"spans":1736,"direction":73},"If you are looking for some help, this is the right place. Find help now.",[],{"id":385,"type":386,"tags":1738,"lang":16,"slug":388,"first_publication_date":389,"last_publication_date":390,"uid":391,"url":392,"link_type":393,"key":1739,"isBroken":395},[],"8d400839-0eaf-4b3f-b247-2b8ca5063521",[1741,1745],{"button_text":1742,"button_link":1743,"button_colour":1744,"button_variant":1503,"functionality":1742},"Call me back",{"link_type":35},"white",{"button_text":1746,"button_link":1747,"button_colour":1744,"button_variant":1748,"functionality":1746},"Get my quote",{"link_type":35},"outline",{"dimensions":1750,"alt":9,"copyright":9,"url":1753,"id":844,"edit":1754,"mobile":1755},{"width":1751,"height":1752},338,361,"https://images.prismic.io/miway-website/Z7hoHp7c43Q3gD6w_MiGuard.png?auto=format,compress&rect=1,0,963,1028&w=338&h=361",{"x":29,"y":28,"zoom":29,"background":30},{"dimensions":1756,"alt":9,"copyright":9,"url":1759,"id":844,"edit":1760},{"width":1757,"height":1758},200,212,"https://images.prismic.io/miway-website/Z7hoHp7c43Q3gD6w_MiGuard.png?auto=format,compress&rect=0,3,964,1022&w=200&h=212",{"x":28,"y":1761,"zoom":29,"background":30},3,"Need some help?","7f659b2d-0e77-4f06-9301-4fe1f1dbc8ff",[],{"dimensions":1766,"alt":1710,"copyright":9,"url":1497,"id":1498,"edit":1767},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},[1769,2123,2404,2734],{"id":1770,"uid":1771,"url":1772,"type":1470,"href":1773,"tags":1774,"first_publication_date":1775,"last_publication_date":1775,"slugs":1776,"linked_documents":1778,"lang":16,"alternate_languages":1779,"data":1780},"at0ShRIAACgA3eCG","what-is-the-difference-between-public-liability-an","/blog/what-is-the-difference-between-public-liability-an","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=auxtEBIAACcALjub&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22at0ShRIAACgA3eCG%22%29+%5D%5D",[986,635,959],"2026-10-24T20:50:45+0000",[1777],"2026-10-24t1200000000",[],[],{"date":1781,"heading":1782,"duration":9,"article_type":1783,"category":1788,"related_product":1793,"thumbnail":1796,"type":1500,"related_insurance":9,"slices":1802,"meta_title":2105,"meta_description":2106,"meta_keywords":2107,"meta_image":2108,"canonical":2112,"intro":2113,"author":1723,"service_block":2116,"in_this_article":2119,"hero_image":2120},"2026-10-24T12:00:00+0000","What is the difference between public liability and professional liability insurance in South Africa?",{"id":1784,"type":1340,"tags":1785,"lang":16,"slug":639,"first_publication_date":1786,"last_publication_date":1786,"uid":639,"url":1344,"link_type":393,"key":1787,"isBroken":395},"Zv5wfRAAAB8AnGcv",[],"2024-10-03T10:22:55+0000","702b0d7d-4c4e-4560-861e-af860f6a3087",{"id":1485,"type":1486,"tags":1789,"lang":16,"slug":639,"first_publication_date":1488,"last_publication_date":1488,"uid":639,"url":1344,"data":1790,"link_type":393,"key":1792,"isBroken":395},[635,986],{"name":635,"tag":1791},"Miway Business Insurance","eae802b0-7399-409f-b99e-7bed09f18f9b",{"id":1250,"type":515,"tags":1794,"lang":16,"slug":1252,"first_publication_date":1253,"last_publication_date":1254,"uid":1255,"url":1256,"link_type":393,"key":1795,"isBroken":395},[635,986,519],"817be701-0081-4f8d-9f71-fdb9e6debbcb",{"dimensions":1797,"alt":1798,"copyright":9,"url":1799,"id":1800,"edit":1801},{"width":1495,"height":1496},"business insurance ","https://images.prismic.io/miway-website/Blq3roxNDXpadDH2_Set2_2161x585-1-.jpg?auto=format,compress","Blq3roxNDXpadDH2",{"x":28,"y":28,"zoom":29,"background":30},[1803,1827,1836,1845,1875,1887,1913,1946,2009,2033,2073,2093],{"variation":1503,"version":1504,"items":1804,"primary":1805,"id":1826,"slice_type":1515,"slice_label":9},[],{"heading":9,"content":1806,"link_heading":1364},[1807,1810,1813],{"type":70,"text":1808,"spans":1809,"direction":73},"Every business faces risks, but not all risks are covered by the same type of insurance. it's important to understand the difference between public liability and professional liability insurance.  ",[],{"type":70,"text":1811,"spans":1812,"direction":73},"Running a business comes with risks, but not all risks are the same. A customer could slip and fall on your premises, or a client could claim that your professional advice caused them financial loss. While both situations could lead to expensive legal action, they require different types of insurance protection. ",[],{"type":70,"text":1814,"spans":1815,"direction":73},"This is where public liability insurance and professional liability insurance come in. Understanding the difference can help South African business owners choose the right cover for their specific risks and avoid costly gaps in protection. ",[1816,1821],{"start":1817,"end":1818,"type":216,"data":1819},14,40,{"link_type":78,"url":1820,"target":135},"https://www.miway.co.za/blog/public-liability-insurance-explained-for-smes",{"start":1822,"end":1823,"type":216,"data":1824},45,77,{"link_type":78,"url":1825,"target":135},"https://www.miway.co.za/business-insurance/professional-liability","article_content_text$f5a74fa9-dfa4-420a-8c12-4501bcd58b56",{"variation":1503,"version":1504,"items":1828,"primary":1829,"id":1835,"slice_type":1515,"slice_label":9},[],{"heading":1830,"content":1831,"link_heading":1364},"The short answer",[1832],{"type":70,"text":1833,"spans":1834,"direction":73},"In simple terms, public liability covers physical harm or damage, while professional liability covers financial loss resulting from professional mistakes, omissions, or negligence. ",[],"article_content_text$285a7dde-0c98-4c30-ab29-478ba02e91f4",{"variation":1503,"version":1504,"items":1837,"primary":1838,"id":1844,"slice_type":1515,"slice_label":9},[],{"heading":1839,"content":1840,"link_heading":1364},"What is public liability insurance?",[1841],{"type":70,"text":1842,"spans":1843,"direction":73},"Public liability insurance is designed to protect businesses against claims made by members of the public, customers, suppliers, or other third parties who suffer injury or property damage linked to the business's operations.",[],"article_content_text$e27a435d-f723-4c20-aa16-fc0691543316",{"variation":1503,"version":1504,"items":1846,"primary":1847,"id":1874,"slice_type":1515,"slice_label":9},[],{"heading":1848,"content":1849,"link_heading":1364},"Who typically needs public liability insurance?",[1850,1853,1856,1859,1862,1865,1868,1871],{"type":70,"text":1851,"spans":1852,"direction":73},"Public liability insurance may be particularly relevant for: ",[],{"type":1579,"text":1854,"spans":1855,"direction":73},"Retail stores ",[],{"type":1579,"text":1857,"spans":1858,"direction":73},"Contractors and tradespeople ",[],{"type":1579,"text":1860,"spans":1861,"direction":73},"Manufacturers ",[],{"type":1579,"text":1863,"spans":1864,"direction":73},"Event organisers ",[],{"type":1579,"text":1866,"spans":1867,"direction":73},"Hospitality businesses ",[],{"type":1579,"text":1869,"spans":1870,"direction":73},"Property maintenance companies ",[],{"type":1579,"text":1872,"spans":1873,"direction":73},"Small and medium-sized enterprises that interact with customers or the public ",[],"article_content_text$0ec051bc-d0cc-48a1-a94b-0b770c5a55ec",{"variation":1503,"version":1504,"items":1876,"primary":1877,"id":1886,"slice_type":1515,"slice_label":9},[],{"heading":1878,"content":1879,"link_heading":1364},"What is professional liability insurance?",[1880,1883],{"type":70,"text":1881,"spans":1882,"direction":73},"Professional liability insurance is designed for businesses and professionals who provide advice, expertise, designs, recommendations, or specialist services. ",[],{"type":70,"text":1884,"spans":1885,"direction":73},"If a client believes that an error, omission, negligent act, or incorrect advice caused them financial loss, they may seek compensation. Professional liability insurance can help cover legal defense costs and potential settlements, subject to policy terms and conditions. many businesses.",[],"article_content_text$284cc1f1-af50-4df8-9e92-a516cea38b7e",{"variation":1503,"version":1504,"items":1888,"primary":1889,"id":1912,"slice_type":1515,"slice_label":9},[],{"heading":1890,"content":1891,"link_heading":1364},"Examples of Professional liability Claims",[1892,1895,1897,1900,1903,1906,1909],{"type":70,"text":1893,"spans":1894,"direction":73},"A professional liability policy may provide cover for incidents such as: ",[],{"type":70,"text":1509,"spans":1896,"direction":73},[],{"type":1579,"text":1898,"spans":1899,"direction":73},"An accountant makes an error in financial calculations that results in a client's loss. ",[],{"type":1579,"text":1901,"spans":1902,"direction":73},"A marketing consultant provides incorrect strategic advice that allegedly harms a client's business. ",[],{"type":1579,"text":1904,"spans":1905,"direction":73},"An architect's design error causes additional project costs. ",[],{"type":1579,"text":1907,"spans":1908,"direction":73},"An IT consultant's recommendation leads to business disruption and financial loss. ",[],{"type":70,"text":1910,"spans":1911,"direction":73},"Unlike public liability claims, these cases often involve financial loss rather than physical injury or property damage.",[],"article_content_text$05003e8c-748f-4c84-b2a4-9c5c7c5cd312",{"variation":1503,"version":1504,"items":1914,"primary":1915,"id":1945,"slice_type":1515,"slice_label":9},[],{"heading":1916,"content":1917,"link_heading":1364},"Who typically needs professional liability insurance?",[1918,1921,1924,1927,1930,1933,1936,1939,1942],{"type":70,"text":1919,"spans":1920,"direction":73},"Professional liability insurance is often considered by: ",[],{"type":1579,"text":1922,"spans":1923,"direction":73},"Consultants ",[],{"type":1579,"text":1925,"spans":1926,"direction":73},"Accountants ",[],{"type":1579,"text":1928,"spans":1929,"direction":73},"Architects ",[],{"type":1579,"text":1931,"spans":1932,"direction":73},"Engineers ",[],{"type":1579,"text":1934,"spans":1935,"direction":73},"Marketing agencies ",[],{"type":1579,"text":1937,"spans":1938,"direction":73},"IT professionals ",[],{"type":1579,"text":1940,"spans":1941,"direction":73},"Business advisers ",[],{"type":1579,"text":1943,"spans":1944,"direction":73},"Designers and creative professionals ",[],"article_content_text$63f765f8-571a-4079-ac21-bff86c011011",{"variation":1545,"version":1504,"items":1947,"primary":1948,"id":2008,"slice_type":1515,"slice_label":9},[],{"heading":1949,"content":1950,"sub_sections":1951,"link_heading":1364},"Public liability vs professional liability: key differences",[],[1952,1982],{"subheading":1953,"list":1954,"link_subsection":1364},"Public Liability Insurance",[1955,1960,1965,1970,1975,1979],{"type":70,"text":1956,"spans":1957,"direction":73},"Covers Claims for: Bodily injury or property damage ",[1958],{"start":28,"end":1959,"type":1536},19,{"type":70,"text":1961,"spans":1962,"direction":73},"Who makes the claim: Members of the public or third parties ",[1963],{"start":28,"end":1964,"type":1536},21,{"type":70,"text":1966,"spans":1967,"direction":73},"Main business risk: Physical incidents ",[1968],{"start":28,"end":1969,"type":1536},20,{"type":70,"text":1971,"spans":1972,"direction":73},"Typical example: Customer slips and falls ",[1973],{"start":28,"end":1974,"type":1536},17,{"type":70,"text":1976,"spans":1977,"direction":73},"Suitable for: Businesses interacting with the public ",[1978],{"start":28,"end":1817,"type":1536},{"type":70,"text":1980,"spans":1981,"direction":73},"",[],{"subheading":1983,"list":1984,"link_subsection":1364},"Professional Liability Insurance",[1985,1989,1993,1997,2001,2006],{"type":70,"text":1986,"spans":1987,"direction":73},"Covers Claims for: Financial loss caused by professional services ",[1988],{"start":28,"end":1959,"type":1536},{"type":70,"text":1990,"spans":1991,"direction":73},"Who makes the claim: Clients or customers ",[1992],{"start":28,"end":1964,"type":1536},{"type":70,"text":1994,"spans":1995,"direction":73},"Main business risk: Professional errors, omissions, or negligence ",[1996],{"start":28,"end":1969,"type":1536},{"type":70,"text":1998,"spans":1999,"direction":73},"Typical example: Consultant provides incorrect advice ",[2000],{"start":28,"end":1974,"type":1536},{"type":70,"text":2002,"spans":2003,"direction":73},"Suitable for: Businesses providing professional expertise ",[2004],{"start":28,"end":2005,"type":1536},13,{"type":70,"text":1509,"spans":2007,"direction":73},[],"article_content_text$1956b6f6-2c4e-4122-a88e-ea2690a2b6aa",{"variation":1503,"version":1504,"items":2010,"primary":2011,"id":2032,"slice_type":1515,"slice_label":9},[],{"heading":2012,"content":2013,"link_heading":1364},"Can a business need both?",[2014,2017,2020,2023,2026,2029],{"type":70,"text":2015,"spans":2016,"direction":73},"Yes. Many South African businesses face both physical and professional risks. ",[],{"type":70,"text":2018,"spans":2019,"direction":73},"For example, a marketing consultancy may: ",[],{"type":1579,"text":2021,"spans":2022,"direction":73},"Receive clients at its offices, creating public liability exposure. ",[],{"type":1579,"text":2024,"spans":2025,"direction":73},"Provide strategic advice to clients, creating professional liability exposure. ",[],{"type":70,"text":2027,"spans":2028,"direction":73},"Similarly, an engineering firm may need protection against both third-party injury claims and claims arising from professional design errors. ",[],{"type":70,"text":2030,"spans":2031,"direction":73},"Having the right combination of cover can help create a more comprehensive risk management strategy.",[],"article_content_text$77c09052-3a94-458c-b0b6-287a79d24e99",{"variation":1503,"version":1504,"items":2034,"primary":2035,"id":2072,"slice_type":1515,"slice_label":9},[],{"heading":2036,"content":2037,"link_heading":1364},"How to decide which cover your business needs",[2038,2041,2045,2048,2053,2056,2061,2064,2069],{"type":70,"text":2039,"spans":2040,"direction":73},"Ask yourself the following questions: ",[],{"type":1579,"text":2042,"spans":2043,"direction":73},"Do customers, suppliers, or members of the public visit your premises? ",[2044],{"start":28,"end":118,"type":1536},{"type":70,"text":2046,"spans":2047,"direction":73},"If yes, public liability insurance may be worth considering. ",[],{"type":1579,"text":2049,"spans":2050,"direction":73},"Do you work at client sites? ",[2051],{"start":28,"end":2052,"type":1536},28,{"type":70,"text":2054,"spans":2055,"direction":73},"If your work could accidentally cause injury or property damage, public liability insurance may be relevant. ",[],{"type":1579,"text":2057,"spans":2058,"direction":73},"Do clients rely on your expertise or advice? ",[2059],{"start":28,"end":2060,"type":1536},44,{"type":70,"text":2062,"spans":2063,"direction":73},"If your services influence business decisions or outcomes, professional liability insurance may be important. ",[],{"type":1579,"text":2065,"spans":2066,"direction":73},"Could a mistake in your work lead to financial loss for a client? ",[2067],{"start":28,"end":2068,"type":1536},65,{"type":70,"text":2070,"spans":2071,"direction":73},"If the answer is yes, professional liability cover may help protect your business against related claims. ",[],"article_content_text$145593b8-c411-4742-88fb-c3d4b879d433",{"variation":1503,"version":1504,"items":2074,"primary":2075,"id":2092,"slice_type":1515,"slice_label":9},[],{"heading":2076,"content":2077,"link_heading":1364},"The cost of getting it wrong",[2078,2081,2084],{"type":70,"text":2079,"spans":2080,"direction":73},"Many business owners assume that one type of liability cover protects against all liability risks. Unfortunately, that's not always the case. ",[],{"type":70,"text":2082,"spans":2083,"direction":73},"A public liability policy generally won't cover claims arising solely from professional advice, while a professional liability policy generally won't cover bodily injury or property damage claims involving third parties. ",[],{"type":70,"text":2085,"spans":2086,"direction":73},"Understanding the difference types of liability insurance can help you choose cover that aligns with the actual risks your business faces. ",[2087],{"start":2088,"end":2089,"type":216,"data":2090},18,57,{"link_type":78,"url":2091,"target":135},"https://www.miway.co.za/blog/what-are-the-different-types-of-liability","article_content_text$758afc50-d44e-4464-99c2-9769ae32ff07",{"variation":1503,"version":1504,"items":2094,"primary":2095,"id":2104,"slice_type":1515,"slice_label":9},[],{"heading":2096,"content":2097,"link_heading":1364},"Protect your business against unexpected claims",[2098,2101],{"type":70,"text":2099,"spans":2100,"direction":73},"Whether you're meeting clients, working on-site, or providing specialised advice, liability risks can arise when you least expect them. Understanding the difference between public liability and professional liability insurance is an important step in building a resilient business. ",[],{"type":70,"text":2102,"spans":2103,"direction":73},"If you're unsure which type of cover may suit your business, speak to an insurance adviser or insurer who can help you assess your risks and explore appropriate insurance solutions. ",[],"article_content_text$4ee2cf2d-ff22-468a-b68d-89ecd3c4f4f6","Public vs Professional Insurance in SA The Difference? Miway","Learn the difference between public and professional insurance in SA, read more on our website https://www.miway.co.za/blog","public liability insurance, professional liability insurance",{"dimensions":2109,"alt":1798,"copyright":9,"url":2110,"id":1800,"edit":2111},{"width":1713,"height":1714},"https://images.prismic.io/miway-website/Blq3roxNDXpadDH2_Set2_2161x585-1-.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":1717,"y":28,"zoom":29,"background":30},{"link_type":35},[2114],{"type":70,"text":1808,"spans":2115,"direction":73},[],{"id":1725,"type":1726,"tags":2117,"lang":16,"slug":1728,"first_publication_date":1729,"last_publication_date":1730,"uid":1731,"link_type":393,"key":2118,"isBroken":395},[],"d8e49c54-dec5-41b1-ae13-b638ab3ba9a7",[],{"dimensions":2121,"alt":1798,"copyright":9,"url":1799,"id":1800,"edit":2122},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},{"id":2124,"uid":2125,"url":2126,"type":1470,"href":2127,"tags":2128,"first_publication_date":2129,"last_publication_date":2130,"slugs":2131,"linked_documents":2133,"lang":16,"alternate_languages":2134,"data":2135},"atiF7RIAACgAm-U-","what-emergency-assistance-services-should-business-insurance-include-in-south-africa","/blog/what-emergency-assistance-services-should-business-insurance-include-in-south-africa","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=auxtEBIAACcALjub&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22atiF7RIAACgAm-U-%22%29+%5D%5D",[986,635,959,1237],"2026-10-23T07:26:42+0000","2026-10-23T07:29:25+0000",[2132],"2026-10-23t0300000000",[],[],{"date":2136,"heading":2137,"duration":9,"article_type":2138,"category":2141,"related_product":2145,"thumbnail":2148,"type":1500,"related_insurance":9,"slices":2156,"meta_title":2385,"meta_description":2386,"meta_keywords":2387,"meta_image":2388,"canonical":2392,"intro":2393,"author":1723,"service_block":2397,"in_this_article":2400,"hero_image":2401},"2026-10-23T03:00:00+0000","What emergency assistance services should business insurance include in South Africa?",{"id":1784,"type":1340,"tags":2139,"lang":16,"slug":639,"first_publication_date":1786,"last_publication_date":1786,"uid":639,"url":1344,"link_type":393,"key":2140,"isBroken":395},[],"fef8c548-21f0-4f22-9007-429271328060",{"id":1485,"type":1486,"tags":2142,"lang":16,"slug":639,"first_publication_date":1488,"last_publication_date":1488,"uid":639,"url":1344,"data":2143,"link_type":393,"key":2144,"isBroken":395},[635,986],{"name":635,"tag":1791},"d254d664-860c-42ff-9564-ea44707b451e",{"id":1188,"type":515,"tags":2146,"lang":16,"slug":1190,"first_publication_date":1191,"last_publication_date":1192,"uid":1193,"url":1194,"link_type":393,"key":2147,"isBroken":395},[519,986,635],"5e6e9c45-a2c6-4b2d-9538-57cde62088c9",{"dimensions":2149,"alt":2152,"copyright":9,"url":2153,"id":2154,"edit":2155},{"width":2150,"height":2151},2162,586,"emergency assistance services","https://images.prismic.io/miway-website/727Xryc3ImfZ069s_Whatemergencyassistanceservicesshouldbusinessinsurance_includeinSouthAfrica-1--2-.png?auto=format,compress","727Xryc3ImfZ069s",{"x":28,"y":28,"zoom":29,"background":30},[2157,2165,2184,2335,2365],{"variation":1503,"version":1504,"items":2158,"primary":2159,"id":2164,"slice_type":1515,"slice_label":9},[],{"heading":9,"content":2160,"link_heading":1364},[2161],{"type":70,"text":2162,"spans":2163,"direction":73},"Business insurance is often associated with covering losses after something goes wrong. However, emergency assistance services can be just as important, helping businesses respond quickly to unexpected situations before they escalate into costly disruptions. ",[],"article_content_text$07392818-ba9d-4285-85a0-96c1bd46c6e2",{"variation":1503,"version":1504,"items":2166,"primary":2167,"id":2183,"slice_type":1515,"slice_label":9},[],{"heading":2168,"content":2169,"link_heading":1364},"Why emergency assistance matters",[2170,2173,2176],{"type":70,"text":2171,"spans":2172,"direction":73},"A business interruption rarely ends with the initial incident. A delivery vehicle stranded on the side of the road can result in missed customer commitments. A plumbing emergency can force a business to close temporarily. An electrical fault can halt operations and affect employees and customers. ",[],{"type":70,"text":2174,"spans":2175,"direction":73},"Emergency assistance services are designed to provide immediate support, helping businesses reduce downtime, protect assets, and get back to business sooner. ",[],{"type":70,"text":2177,"spans":2178,"direction":73},"For example, Miway Business Insurance customers have access to MiBusiness Assist, a value-added benefit that provides a range of emergency assistance and business support services designed to support businesses when they need it most. MiBusiness Assist offers services ranging from office and medical assistance to legal, financial, labour and marketing support. ",[2179],{"start":2180,"end":722,"type":216,"data":2181},63,{"link_type":78,"url":2182,"target":135},"https://www.miway.co.za/business-insurance/mibusinessassist","article_content_text$b92dc522-2162-42f8-80ad-69ee1f11f4d3",{"variation":1545,"version":1504,"items":2185,"primary":2186,"id":2334,"slice_type":1515,"slice_label":9},[],{"heading":2187,"content":2188,"sub_sections":2189,"link_heading":1364},"Key emergency assistance services to look for",[],[2190,2220,2250,2277,2307],{"subheading":2191,"list":2192,"link_subsection":1364},"Roadside and mobility assistance",[2193,2196,2199,2202,2205,2208,2211,2214,2217],{"type":70,"text":2194,"spans":2195,"direction":73},"or businesses that rely on vehicles, every hour off the road can impact productivity and customer service. ",[],{"type":70,"text":2197,"spans":2198,"direction":73},"Look for assistance services that may include: ",[],{"type":1579,"text":2200,"spans":2201,"direction":73},"Towing services following a breakdown or accident ",[],{"type":1579,"text":2203,"spans":2204,"direction":73},"Flat tyre assistance ",[],{"type":1579,"text":2206,"spans":2207,"direction":73},"Battery jump-starts ",[],{"type":1579,"text":2209,"spans":2210,"direction":73},"Fuel delivery ",[],{"type":1579,"text":2212,"spans":2213,"direction":73},"Locksmith assistance ",[],{"type":1579,"text":2215,"spans":2216,"direction":73},"Vehicle recovery services ",[],{"type":70,"text":2218,"spans":2219,"direction":73},"Through MiBusiness Assist, eligible business clients can access 24/7 roadside assistance, helping businesses minimise disruptions and keep operations moving. Businesses can also explore the broader range of cover and support services available through Miway Business Insurance. ",[],{"subheading":2221,"list":2222,"link_subsection":1364},"Emergency plumbing, electrical and locksmith assistance",[2223,2226,2229,2232,2235,2238,2241,2244,2247],{"type":70,"text":2224,"spans":2225,"direction":73},"Property-related emergencies often require immediate attention to prevent further damage. ",[],{"type":70,"text":2227,"spans":2228,"direction":73},"Business insurance solutions that include emergency assistance may provide access to: ",[],{"type":1579,"text":2230,"spans":2231,"direction":73},"Emergency plumbing services ",[],{"type":1579,"text":2233,"spans":2234,"direction":73},"Emergency electrical assistance ",[],{"type":1579,"text":2236,"spans":2237,"direction":73},"Locksmith services ",[],{"type":1579,"text":2239,"spans":2240,"direction":73},"Glazing assistance for broken windows ",[],{"type":1579,"text":2242,"spans":2243,"direction":73},"Roof leak repairs following storm damage ",[],{"type":70,"text":2245,"spans":2246,"direction":73},"Having access to qualified service providers can help businesses protect their premises while reducing operational downtime. ",[],{"type":70,"text":2248,"spans":2249,"direction":73},"MiBusiness Assist includes office emergency assistance that can help arrange services such as plumbers, locksmiths and electricians when businesses need urgent support.  ",[],{"subheading":2251,"list":2252,"link_subsection":1364},"Security assistance and emergency response",[2253,2256,2259,2262,2265,2268,2271,2274],{"type":70,"text":2254,"spans":2255,"direction":73},"Security remains a key concern for many South African businesses. ",[],{"type":70,"text":2257,"spans":2258,"direction":73},"Insurance-related assistance services may include: ",[],{"type":1579,"text":2260,"spans":2261,"direction":73},"Armed response activation ",[],{"type":1579,"text":2263,"spans":2264,"direction":73},"Emergency security services ",[],{"type":1579,"text":2266,"spans":2267,"direction":73},"Incident response coordination ",[],{"type":1579,"text":2269,"spans":2270,"direction":73},"Access to approved security providers ",[],{"type":70,"text":2272,"spans":2273,"direction":73},"These services can provide peace of mind, particularly for businesses operating from physical premises or storing valuable stock and equipment. ",[],{"type":70,"text":2275,"spans":2276,"direction":73},"In addition, certain Miway Business property solutions may provide security guards following a loss event to help protect unsecured premises, stock, equipment and machinery from further loss.  ",[],{"subheading":2278,"list":2279,"link_subsection":1364},"IT and Cyber support",[2280,2283,2286,2289,2292,2295,2298,2301,2304],{"type":70,"text":2281,"spans":2282,"direction":73},"As businesses become increasingly reliant on technology, cyber incidents can have a significant impact on operations. ",[],{"type":70,"text":2284,"spans":2285,"direction":73},"Depending on the solution, businesses may have access to: ",[],{"type":1579,"text":2287,"spans":2288,"direction":73},"Cyber incident response specialists ",[],{"type":1579,"text":2290,"spans":2291,"direction":73},"Data breach support ",[],{"type":1579,"text":2293,"spans":2294,"direction":73},"Technical assistance following a cyberattack ",[],{"type":1579,"text":2296,"spans":2297,"direction":73},"Digital forensic services ",[],{"type":1579,"text":2299,"spans":2300,"direction":73},"Recovery support after ransomware incidents ",[],{"type":70,"text":2302,"spans":2303,"direction":73},"Quick intervention can help contain an incident before it escalates into a larger business disruption. ",[],{"type":70,"text":2305,"spans":2306,"direction":73},"MiBusiness Assist also includes access to an IT help desk that provides support for websites, software and business systems, helping business owners resolve technical issues more efficiently. ",[],{"subheading":2308,"list":2309,"link_subsection":1364},"Medical emergency assistance",[2310,2313,2316,2319,2322,2325,2328,2331],{"type":70,"text":2311,"spans":2312,"direction":73},"Employees are critical to the success of any business. Access to emergency medical assistance can help ensure support is available when an unexpected medical situation arises. ",[],{"type":70,"text":2314,"spans":2315,"direction":73},"Services may include: ",[],{"type":1579,"text":2317,"spans":2318,"direction":73},"Emergency medical response ",[],{"type":1579,"text":2320,"spans":2321,"direction":73},"Ambulance dispatch services ",[],{"type":1579,"text":2323,"spans":2324,"direction":73},"Trauma counselling and support ",[],{"type":1579,"text":2326,"spans":2327,"direction":73},"Medical referral assistance ",[],{"type":70,"text":2329,"spans":2330,"direction":73},"These services can help businesses support employee wellbeing during difficult situations. ",[],{"type":70,"text":2332,"spans":2333,"direction":73},"Through MiBusiness Assist, businesses can access medical assistance services that include medical advice, crisis support and emergency transport arrangements. ",[],"article_content_text$35f9be4d-4260-4047-8d13-c7ed5e8880a6",{"variation":1503,"version":1504,"items":2336,"primary":2337,"id":2364,"slice_type":1515,"slice_label":9},[],{"heading":2338,"content":2339,"link_heading":1364},"Choosing the right business insurance cover",[2340,2343,2346,2349,2352,2355,2358,2361],{"type":70,"text":2341,"spans":2342,"direction":73},"When comparing business insurance options, it is worth looking beyond the core cover and assessing the assistance services that are included. ",[],{"type":70,"text":2344,"spans":2345,"direction":73},"Consider the following: ",[],{"type":1579,"text":2347,"spans":2348,"direction":73},"Is assistance available 24/7? ",[],{"type":1579,"text":2350,"spans":2351,"direction":73},"Does it cover both vehicles and business premises? ",[],{"type":1579,"text":2353,"spans":2354,"direction":73},"Are qualified service providers available nationwide? ",[],{"type":1579,"text":2356,"spans":2357,"direction":73},"What types of emergencies are included? ",[],{"type":1579,"text":2359,"spans":2360,"direction":73},"Does the service help reduce downtime and operational disruption? ",[],{"type":70,"text":2362,"spans":2363,"direction":73},"A business insurance solution that combines comprehensive cover with practical emergency assistance can offer greater value and support when unexpected events arise.",[],"article_content_text$6ecd372e-bc2b-4b64-9255-240e47449027",{"variation":1503,"version":1504,"items":2366,"primary":2367,"id":2384,"slice_type":1515,"slice_label":9},[],{"heading":2368,"content":2369,"link_heading":1364},"Maintaining continuity",[2370,2373,2381],{"type":70,"text":2371,"spans":2372,"direction":73},"Emergency assistance services can play an important role in helping South African businesses maintain continuity when things go wrong. From roadside assistance and emergency repairs to security and medical support, these services can help businesses respond quickly and minimise disruption. ",[],{"type":70,"text":2374,"spans":2375,"direction":73},"Whether you're reviewing an existing policy or comparing insurance options, it is worth considering the practical support available alongside your cover. MiBusiness Assist is just one of many ways Miway Supports Small Businesses, helping them navigate unexpected emergencies while staying on top of everyday operational expenses, ",[2376],{"start":2377,"end":2378,"type":216,"data":2379},197,229,{"link_type":78,"url":2380,"target":135},"https://www.miway.co.za/blog/how-miway-supports-small-businesses",{"type":70,"text":2382,"spans":2383,"direction":73},"By choosing business insurance that includes practical assistance services, business owners can gain access to the support they need to keep their operations running smoothly, even when the unexpected happens. ",[],"article_content_text$73b85b58-7734-4ab1-9df7-0f0c57b7b999","Emergency Assistance Services Within Business Insurance | MiWay","Discover the emergency assistance services South African businesses should look for in their business insurance, visit www.miway.co.za for more.","business insurance, emergency assist",{"dimensions":2389,"alt":2152,"copyright":9,"url":2390,"id":2154,"edit":2391},{"width":1713,"height":1714},"https://images.prismic.io/miway-website/727Xryc3ImfZ069s_Whatemergencyassistanceservicesshouldbusinessinsurance_includeinSouthAfrica-1--2-.png?auto=format,compress&rect=523,0,1116,586&w=2400&h=1260",{"x":1717,"y":28,"zoom":29,"background":30},{"link_type":35},[2394],{"type":70,"text":2395,"spans":2396,"direction":73},"Discover the emergency assistance services South African businesses should look for in their business insurance",[],{"id":1725,"type":1726,"tags":2398,"lang":16,"slug":1728,"first_publication_date":1729,"last_publication_date":1730,"uid":1731,"link_type":393,"key":2399,"isBroken":395},[],"1cd9d034-ec15-4d6f-acfb-8c03cf8bc165",[],{"dimensions":2402,"alt":2152,"copyright":9,"url":2153,"id":2154,"edit":2403},{"width":2150,"height":2151},{"x":28,"y":28,"zoom":29,"background":30},{"id":2405,"uid":2406,"url":2407,"type":1470,"href":2408,"tags":2409,"first_publication_date":2410,"last_publication_date":2411,"slugs":2412,"linked_documents":2414,"lang":16,"alternate_languages":2415,"data":2416},"Z-EqpRAAACQAdKCN","vehicle-overloading-is-it-really-worth-it-for-your-business","/blog/vehicle-overloading-is-it-really-worth-it-for-your-business","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=auxtEBIAACcALjub&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z-EqpRAAACQAdKCN%22%29+%5D%5D",[635,996,997],"2025-03-24T09:49:28+0000","2026-10-16T08:49:26+0000",[2413],"2026-10-16t0700000000",[],[],{"date":2417,"heading":2418,"duration":1761,"article_type":2419,"category":2422,"related_product":2426,"thumbnail":2429,"type":1500,"related_insurance":2437,"slices":2438,"meta_title":2709,"meta_description":2710,"meta_keywords":9,"meta_image":2711,"canonical":2715,"intro":2716,"author":1723,"service_block":2720,"in_this_article":2728,"hero_image":2731},"2026-10-16T07:00:00+0000","Vehicle overloading is it really worth it for your business?",{"id":1385,"type":1340,"tags":2420,"lang":16,"slug":1387,"first_publication_date":1388,"last_publication_date":1388,"uid":1387,"url":1344,"link_type":393,"key":2421,"isBroken":395},[],"017f682d-b2e4-4446-a267-ea9baa6a8db7",{"id":1485,"type":1486,"tags":2423,"lang":16,"slug":639,"first_publication_date":1488,"last_publication_date":1488,"uid":639,"url":1344,"data":2424,"link_type":393,"key":2425,"isBroken":395},[635,986],{"name":635,"tag":1791},"ab655cc2-599f-4ae0-b7d8-cdb6bd400a34",{"id":994,"type":515,"tags":2427,"lang":16,"slug":999,"first_publication_date":1000,"last_publication_date":1001,"uid":1002,"url":1003,"link_type":393,"key":2428,"isBroken":395},[519,996,986,997,998,635],"c8b31dff-509e-4c75-b745-458fa3327a7c",{"dimensions":2430,"alt":2433,"copyright":9,"url":2434,"id":2435,"edit":2436},{"width":2431,"height":2432},980,490,"Business Insurance ","https://images.prismic.io/miway-website/Z-EqGXdAxsiBvy_P_vehicle-overloading-is-it-really-worth-it-for-your-business.jpeg?auto=format,compress","Z-EqGXdAxsiBvy_P",{"x":28,"y":28,"zoom":29,"background":30},"Trail",[2439,2460,2485,2512,2617,2656,2679],{"variation":1503,"version":1504,"items":2440,"primary":2441,"id":2459,"slice_type":1515,"slice_label":9},[],{"heading":9,"content":2442,"link_heading":1364},[2443,2450,2453,2456],{"type":70,"text":2444,"spans":2445,"direction":73},"When you're transporting stock, equipment or materials, squeezing a little more onto a bakkie, van or truck can seem like a clever way to save a trip.",[2446],{"start":2447,"end":2448,"type":216,"data":2449},25,54,{"link_type":78,"url":1706,"target":135},{"type":70,"text":2451,"spans":2452,"direction":73},"But that extra load could end up costing your business far more than the fuel you've saved.",[],{"type":70,"text":2454,"spans":2455,"direction":73},"An overloaded or badly loaded vehicle can be harder to steer, take longer to stop and put additional strain on tyres, brakes and suspension. It can also result in delays, fines, breakdowns and insurance complications.",[],{"type":70,"text":2457,"spans":2458,"direction":73},"For any business that relies on vehicles every day, correct loading should therefore be part of fleet risk management, not just a box to tick before the driver leaves the depot.",[],"article_content_text$a084f482-de28-4647-a65b-e10b9ef5a305",{"variation":1503,"version":1504,"items":2461,"primary":2462,"id":2484,"slice_type":1515,"slice_label":9},[],{"heading":2463,"content":2464,"link_heading":1364},"What is vehicle overloading?",[2465,2468,2471,2474,2477],{"type":70,"text":2466,"spans":2467,"direction":73},"A vehicle is overloaded when the weight it carries exceeds the permitted load for the vehicle or its individual axles.",[],{"type":70,"text":2469,"spans":2470,"direction":73},"That distinction matters.",[],{"type":70,"text":2472,"spans":2473,"direction":73},"A vehicle's total weight might appear acceptable while too much of the load is concentrated over one axle. Poorly distributed cargo can affect stability, steering and braking even when the load looks perfectly normal from the outside.",[],{"type":70,"text":2475,"spans":2476,"direction":73},"South African fleet operators should therefore understand both their vehicle's permitted overall mass and its axle-loading limits.",[],{"type":70,"text":2478,"spans":2479,"direction":73},"The manufacturer's specifications, vehicle documentation and appropriate weighing equipment can help determine whether a vehicle is being loaded safely.",[2480],{"start":2481,"end":2482,"type":216,"data":2483},35,56,{"link_type":78,"url":1687,"target":135},"article_content_text$ead5003e-be76-4f50-8ed1-4ceb2fe9abd3",{"variation":1503,"version":1504,"items":2486,"primary":2487,"id":2511,"slice_type":1515,"slice_label":9},[],{"heading":2488,"content":2489,"link_heading":1364},"Is vehicle overloading still a problem in South Africa?",[2490,2493,2499,2502,2508],{"type":70,"text":2491,"spans":2492,"direction":73},"Yes.",[],{"type":70,"text":2494,"spans":2495,"direction":73},"Load compliance remains an active road-safety and enforcement issue. During targeted operations in Tshwane on 25 and 26 August 2026, 45 heavy motor vehicles were fined for violations of load-compliance regulations, according to the Tshwane Metro Police Department.",[2496],{"start":2497,"end":2498,"type":1536},133,213,{"type":70,"text":2500,"spans":2501,"direction":73},"South African road authorities continue to use weighbridges and vehicle inspections to identify overloaded and unroadworthy commercial vehicles.",[],{"type":70,"text":2503,"spans":2504,"direction":73},"SANRAL has also highlighted that overloaded heavy vehicles increase road damage and create additional crash risk because braking and steering performance may be affected.",[2505],{"start":28,"end":168,"type":216,"data":2506},{"link_type":78,"url":2507,"target":135},"https://www.nra.co.za/uploads/65/IR2023%20Vol1_0.pdf",{"type":70,"text":2509,"spans":2510,"direction":73},"So, what can that extra load actually do to your vehicle and your business?",[],"article_content_text$4d6ad0af-05be-4d13-a478-8a1f236a5326",{"variation":1545,"version":1504,"items":2513,"primary":2514,"id":2616,"slice_type":1515,"slice_label":9},[],{"heading":2515,"content":2516,"sub_sections":2517,"link_heading":1364},"7 reasons why you should never overload a business vehicle",[],[2518,2530,2545,2557,2569,2581,2596],{"subheading":2519,"list":2520,"link_subsection":1364},"Your vehicle may take longer to stop",[2521,2524,2527],{"type":70,"text":2522,"spans":2523,"direction":73},"More weight means the braking system has more work to do.",[],{"type":70,"text":2525,"spans":2526,"direction":73},"An overloaded truck, van or bakkie may therefore require a longer stopping distance, particularly on wet roads, downhill sections or during emergency braking.",[],{"type":70,"text":2528,"spans":2529,"direction":73},"That additional distance could make the difference between avoiding a collision and being involved in one.",[],{"subheading":2531,"list":2532,"link_subsection":1364},"Steering and vehicle stability can be affected",[2533,2536,2539,2542],{"type":70,"text":2534,"spans":2535,"direction":73},"Commercial vehicles are designed to operate within specific weight and loading limits.",[],{"type":70,"text":2537,"spans":2538,"direction":73},"Exceeding those limits or distributing the load unevenly can alter how the vehicle handles through corners and during sudden manoeuvres.",[],{"type":70,"text":2540,"spans":2541,"direction":73},"Arrive Alive notes that overloaded vehicles can become less stable, harder to steer and more difficult to stop.",[],{"type":70,"text":2543,"spans":2544,"direction":73},"For a fleet owner, that is more than a driver-safety issue. An accident can mean downtime, repairs, missed deliveries and unhappy customers.",[],{"subheading":2546,"list":2547,"link_subsection":1364},"Tyres can wear faster and overheat",[2548,2551,2554],{"type":70,"text":2549,"spans":2550,"direction":73},"Tyres carry the weight of both the vehicle and its load.",[],{"type":70,"text":2552,"spans":2553,"direction":73},"Excess weight can cause tyres to run hotter and wear more quickly, increasing the risk of tyre failure.",[],{"type":70,"text":2555,"spans":2556,"direction":73},"That is why tyre condition, inflation pressure and load rating should all form part of a fleet's pre-trip inspection routine.",[],{"subheading":2558,"list":2559,"link_subsection":1364},"Suspension components are placed under additional strain",[2560,2563,2566],{"type":70,"text":2561,"spans":2562,"direction":73},"Springs, shock absorbers, wheel bearings and other suspension components are designed around defined operating limits.",[],{"type":70,"text":2564,"spans":2565,"direction":73},"Repeated overloading can accelerate wear and shorten component life.",[],{"type":70,"text":2567,"spans":2568,"direction":73},"That means what looked like a saving on one extra delivery could eventually become an unscheduled repair bill and another vehicle standing instead of earning.",[],{"subheading":2570,"list":2571,"link_subsection":1364},"5. Your fuel and operating costs can increase",[2572,2575,2578],{"type":70,"text":2573,"spans":2574,"direction":73},"A heavier vehicle generally requires more energy to accelerate and move.",[],{"type":70,"text":2576,"spans":2577,"direction":73},"That means overloading can work against the very saving a business is trying to achieve.",[],{"type":70,"text":2579,"spans":2580,"direction":73},"Add premature tyre wear, additional maintenance and possible delays at weighbridges, and the \"one less trip\" calculation can start looking considerably less attractive.",[],{"subheading":2582,"list":2583,"link_subsection":1364},"An incorrectly distributed load can overload an axle",[2584,2587,2590,2593],{"type":70,"text":2585,"spans":2586,"direction":73},"Total vehicle weight isn't the only number fleet managers should watch.",[],{"type":70,"text":2588,"spans":2589,"direction":73},"The distribution of that weight matters too.",[],{"type":70,"text":2591,"spans":2592,"direction":73},"Too much cargo over a particular axle may create an axle overload, while badly positioned cargo can affect vehicle balance and handling.",[],{"type":70,"text":2594,"spans":2595,"direction":73},"Businesses should plan loads before dispatch and, where appropriate, verify vehicle and axle weights using suitable weighing facilities. RTMS guidance also encourages operators to monitor payloads and maintain records as part of effective fleet management.",[],{"subheading":2597,"list":2598,"link_subsection":1364},"Overloading could affect an insurance claim",[2599,2602,2607,2610,2613],{"type":70,"text":2600,"spans":2601,"direction":73},"This is where businesses need to be particularly careful.",[],{"type":70,"text":2603,"spans":2604,"direction":73},"Overloading does not automatically mean every insurance claim will be rejected. Insurance decisions depend on the circumstances of the incident and the terms, conditions and exclusions contained in the policy.",[2605],{"start":1974,"end":2606,"type":1536},78,{"type":70,"text":2608,"spans":2609,"direction":73},"However, where overloading breaches policy conditions or contributes to a loss, it may affect whether a claim is covered.",[],{"type":70,"text":2611,"spans":2612,"direction":73},"That's another reason safe loading should form part of everyday fleet management rather than only becoming important after an accident.",[],{"type":70,"text":2614,"spans":2615,"direction":73},"If your business depends on bakkies, vans or trucks, appropriate Business vehicles & fleet insurance can form part of a broader plan to manage commercial vehicle risk.",[],"article_content_text$e5f1a99a-f4fd-4bda-9c0b-4b7600c2caf3",{"variation":1503,"version":1504,"items":2618,"primary":2619,"id":2655,"slice_type":1515,"slice_label":9},[],{"heading":2620,"content":2621,"link_heading":1364},"How can businesses reduce the risk of vehicle overloading?",[2622,2625,2628,2631,2634,2637,2640,2643,2646,2649,2652],{"type":70,"text":2623,"spans":2624,"direction":73},"A few simple controls can help.",[],{"type":70,"text":2626,"spans":2627,"direction":73},"Before a vehicle leaves:",[],{"type":1579,"text":2629,"spans":2630,"direction":73},"Know the manufacturer's permitted vehicle and axle limits.",[],{"type":1579,"text":2632,"spans":2633,"direction":73},"Match the vehicle to the weight and type of load being carried.",[],{"type":1579,"text":2635,"spans":2636,"direction":73},"Distribute cargo evenly and avoid excessive weight over a single axle.",[],{"type":1579,"text":2638,"spans":2639,"direction":73},"Secure goods so that they cannot shift during braking or cornering.",[],{"type":1579,"text":2641,"spans":2642,"direction":73},"Check tyres, brakes and suspension as part of the vehicle inspection.",[],{"type":1579,"text":2644,"spans":2645,"direction":73},"Use an appropriate weighbridge or weighing system where necessary.",[],{"type":1579,"text":2647,"spans":2648,"direction":73},"Train drivers and loading teams to recognise unsafe loading.",[],{"type":1579,"text":2650,"spans":2651,"direction":73},"Keep maintenance, loading and inspection records.",[],{"type":70,"text":2653,"spans":2654,"direction":73},"For larger fleets, these steps can form part of a formal fleet risk-management programme.",[],"article_content_text$25cab478-89ed-401b-9028-9c701a2f5f44",{"variation":1503,"version":1504,"items":2657,"primary":2658,"id":2678,"slice_type":1515,"slice_label":9},[],{"heading":2659,"content":2660,"link_heading":1364},"Don't forget about the goods you're transporting",[2661,2664,2667,2675],{"type":70,"text":2662,"spans":2663,"direction":73},"Vehicle cover and cargo cover are not necessarily the same thing.",[],{"type":70,"text":2665,"spans":2666,"direction":73},"A business vehicle may be insured while the stock, equipment or customer goods inside it require separate protection.",[],{"type":70,"text":2668,"spans":2669,"direction":73},"Miway's Goods in transit insurance is designed for businesses transporting goods by road and can form part of a broader commercial insurance solution, subject to the policy terms and selected cover.",[2670],{"start":2671,"end":2672,"type":216,"data":2673},8,34,{"link_type":78,"url":2674,"target":135},"https://www.miway.co.za/business-insurance/goods-in-transit",{"type":70,"text":2676,"spans":2677,"direction":73},"Understanding that distinction is particularly important for retailers, contractors, distributors, manufacturers, couriers and logistics businesses.",[],"article_content_text$207614ca-e2ba-4b31-811e-4a3f5bbcad8d",{"variation":1503,"version":1504,"items":2680,"primary":2681,"id":2708,"slice_type":1515,"slice_label":9},[],{"heading":2682,"content":2683,"link_heading":1364},"Is saving one trip really worth the risk?",[2684,2687,2690,2694,2697,2703],{"type":70,"text":2685,"spans":2686,"direction":73},"Probably not.",[],{"type":70,"text":2688,"spans":2689,"direction":73},"Overloading can increase the pressure on your tyres, brakes and suspension, affect vehicle handling and create unnecessary compliance and operational risk.",[],{"type":70,"text":2691,"spans":2692,"direction":73},"Good fleet management is about getting the most from every vehicle without asking it to carry more than it safely should.",[2693],{"start":215,"end":1304,"type":1536},{"type":70,"text":2695,"spans":2696,"direction":73},"If your business relies on commercial vehicles, review your loading procedures, vehicle specifications and insurance arrangements regularly.",[],{"type":70,"text":2698,"spans":2699,"direction":73},"And when it comes to protecting those vehicles, Miway's Business vehicles & fleet insurance can help you build cover around the vehicles that keep your business moving.",[2700],{"start":2482,"end":2701,"type":216,"data":2702},91,{"link_type":78,"url":1687,"target":135},{"type":70,"text":2704,"spans":2705,"direction":73},"Get a business insurance quote or speak to Miway about the cover that suits the way your fleet operates.",[2706],{"start":28,"end":2707,"type":1536},104,"article_content_text$39b0e497-4d9a-4e18-9353-abf8a7fbdd1c","Is Vehicle Overloading Worth It for Your Business? | Miway","Transporting goods and stock, might tempt you to load the vehicle a little more than usual in order to maximise the load and possibly reduce fuel costs?",{"dimensions":2712,"alt":2433,"copyright":9,"url":2713,"id":2435,"edit":2714},{"width":1713,"height":1714},"https://images.prismic.io/miway-website/Z-EqGXdAxsiBvy_P_vehicle-overloading-is-it-really-worth-it-for-your-business.jpeg?auto=format,compress&rect=23,0,933,490&w=2400&h=1260",{"x":27,"y":28,"zoom":29,"background":30},{"link_type":35},[2717],{"type":70,"text":2718,"spans":2719,"direction":73},"When transporting goods and stock, it may be tempting to load the vehicle a little more than usual in order to maximise the load and possibly reduce fuel costs, but this can be a costly mistake.",[],{"id":2721,"type":1726,"tags":2722,"lang":16,"slug":2723,"first_publication_date":2724,"last_publication_date":2725,"uid":2726,"link_type":393,"key":2727,"isBroken":395},"ZwZojxAAACAAqGYz",[],"truck-insurance","2024-10-09T11:27:16+0000","2025-05-26T06:48:24+0000","some-service-block","ce914d2d-0a53-4882-a6d8-ef69e0227f40",[2729],{"text":2730},"7 reasons why you should never overload your vehicle",{"dimensions":2732,"alt":2433,"copyright":9,"url":2434,"id":2435,"edit":2733},{"width":2431,"height":2432},{"x":28,"y":28,"zoom":29,"background":30},{"id":2735,"uid":2736,"url":2737,"type":1470,"href":2738,"tags":2739,"first_publication_date":2740,"last_publication_date":2741,"slugs":2742,"linked_documents":2744,"lang":16,"alternate_languages":2745,"data":2746},"Z-PYaRIAACQA9DHO","dropping-the-clutch-on-trucks-going-the-automatic-route","/blog/dropping-the-clutch-on-trucks-going-the-automatic-route","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=auxtEBIAACcALjub&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z-PYaRIAACQA9DHO%22%29+%5D%5D",[986,635,996,997],"2025-03-26T10:35:24+0000","2026-10-02T09:39:46+0000",[2743],"2026-10-02t0700000000",[],[],{"date":2747,"heading":2748,"duration":1761,"article_type":2749,"category":2752,"related_product":2756,"thumbnail":2759,"type":1500,"related_insurance":9,"slices":2766,"meta_title":2748,"meta_description":3182,"meta_keywords":9,"meta_image":3183,"canonical":3188,"intro":3189,"author":1723,"service_block":3192,"in_this_article":3195,"hero_image":3202},"2026-10-02T07:00:00+0000","Dropping the clutch on trucks - going the automatic route",{"id":1385,"type":1340,"tags":2750,"lang":16,"slug":1387,"first_publication_date":1388,"last_publication_date":1388,"uid":1387,"url":1344,"link_type":393,"key":2751,"isBroken":395},[],"0a905e15-8704-452a-a5dd-a92f6df479bf",{"id":1485,"type":1486,"tags":2753,"lang":16,"slug":639,"first_publication_date":1488,"last_publication_date":1488,"uid":639,"url":1344,"data":2754,"link_type":393,"key":2755,"isBroken":395},[635,986],{"name":635,"tag":1791},"8889d6b0-56c9-472b-b27e-9dee8a830871",{"id":1205,"type":515,"tags":2757,"lang":16,"slug":1207,"first_publication_date":1208,"last_publication_date":1209,"uid":1210,"url":1211,"link_type":393,"key":2758,"isBroken":395},[986,635,519],"e648dfcb-49f4-413a-affb-093f55741526",{"dimensions":2760,"alt":9,"copyright":9,"url":2763,"id":2764,"edit":2765},{"width":2761,"height":2762},1264,269,"https://images.prismic.io/miway-website/Z-PXv3dAxsiBv6vA_dropping-the-clutch-on-trucks-going-the-automatic-route.jpeg?auto=format,compress","Z-PXv3dAxsiBv6vA",{"x":28,"y":28,"zoom":29,"background":30},[2767,2797,2824,2882,2940,2961,2999,3028,3070,3105,3131,3162],{"variation":1503,"version":1504,"items":2768,"primary":2769,"id":2796,"slice_type":1515,"slice_label":9},[],{"heading":9,"content":2770,"link_heading":1364},[2771,2774,2777,2790,2793],{"type":70,"text":2772,"spans":2773,"direction":73},"Automatic trucks have come a long way from being seen as simply an easier alternative to a manual gearbox. For South African fleet owners, transmission choice can affect fuel use, driver comfort, maintenance, downtime and the overall cost of keeping vehicles on the road.",[],{"type":70,"text":2775,"spans":2776,"direction":73},"And those costs matter more than ever.",[],{"type":70,"text":2778,"spans":2779,"direction":73},"Statistics South Africa reported that freight payload increased by 7.6% year-on-year in April 2026, while seasonally adjusted road-freight volumes grew by 4.7% over the preceding three months. Statistics South Africa With more goods moving across the country's roads, fleet efficiency remains an important consideration for transport businesses.",[2780,2782,2785],{"start":215,"end":2781,"type":1536},98,{"start":2783,"end":2784,"type":1536},155,191,{"start":2786,"end":2787,"type":216,"data":2788},193,216,{"link_type":78,"url":2789,"target":135},"https://www.statssa.gov.za/?PPN=P7162&SCH=74308&page_id=1856",{"type":70,"text":2791,"spans":2792,"direction":73},"So, should your next truck be manual, automatic or AMT?",[],{"type":70,"text":2794,"spans":2795,"direction":73},"The answer depends on far more than whether your drivers want a clutch pedal.",[],"article_content_text$b6994587-2671-4c3e-a798-d7c8356a8a61",{"variation":1503,"version":1504,"items":2798,"primary":2799,"id":2823,"slice_type":1515,"slice_label":9},[],{"heading":2800,"content":2801,"link_heading":1364},"What is an automated manual transmission?",[2802,2807,2810,2813,2820],{"type":70,"text":2803,"spans":2804,"direction":73},"An automated manual transmission, commonly called an AMT, uses the mechanical structure of a manual gearbox but automates clutch operation and gear selection.",[2805],{"start":2806,"end":2482,"type":1536},53,{"type":70,"text":2808,"spans":2809,"direction":73},"The driver therefore does not need to operate the clutch and manually change gears during normal driving.",[],{"type":70,"text":2811,"spans":2812,"direction":73},"Modern systems can take information such as vehicle speed, load, engine demand and operating conditions into account when selecting gears.",[],{"type":70,"text":2814,"spans":2815,"direction":73},"UD Trucks' current Quester range, for example, uses an automated manual transmission designed to optimise gear selection while reducing clutch operation, driver fatigue and fluctuations in fuel use.",[2816],{"start":28,"end":2817,"type":216,"data":2818},10,{"link_type":78,"url":2819,"target":135},"https://www.udtrucks.co.za/trucks/quester/productivity",{"type":70,"text":2821,"spans":2822,"direction":73},"That distinction matters because an AMT isn't simply a conventional passenger-car automatic placed into a truck. It is technology specifically designed around commercial-vehicle operating requirements.",[],"article_content_text$85a39270-d215-4227-a3df-61f343d65f64",{"variation":1503,"version":1504,"items":2825,"primary":2826,"id":2881,"slice_type":1515,"slice_label":9},[],{"heading":2827,"content":2828,"link_heading":1364},"Can automatic trucks reduce fuel costs?",[2829,2832,2835,2838,2841,2844,2847,2850,2853,2856,2859,2864,2867,2875,2878],{"type":70,"text":2830,"spans":2831,"direction":73},"Potentially, yes – but there is no single percentage that will apply to every business.",[],{"type":70,"text":2833,"spans":2834,"direction":73},"Fuel consumption depends on factors including:",[],{"type":1579,"text":2836,"spans":2837,"direction":73},"vehicle specification;",[],{"type":1579,"text":2839,"spans":2840,"direction":73},"payload;",[],{"type":1579,"text":2842,"spans":2843,"direction":73},"route and terrain;",[],{"type":1579,"text":2845,"spans":2846,"direction":73},"traffic conditions;",[],{"type":1579,"text":2848,"spans":2849,"direction":73},"tyre pressure and condition;",[],{"type":1579,"text":2851,"spans":2852,"direction":73},"vehicle maintenance;",[],{"type":1579,"text":2854,"spans":2855,"direction":73},"driving behaviour; and",[],{"type":1579,"text":2857,"spans":2858,"direction":73},"speed.",[],{"type":70,"text":2860,"spans":2861,"direction":73},"Where automated transmission can help is consistency.",[2862],{"start":1685,"end":2863,"type":1536},52,{"type":70,"text":2865,"spans":2866,"direction":73},"Even skilled drivers can change gears differently. An automated system applies programmed gear-selection logic repeatedly, which can reduce some of the variation caused by driving style.",[],{"type":70,"text":2868,"spans":2869,"direction":73},"That becomes particularly relevant when fuel represents a significant portion of fleet expenditure. At the Road Freight Association's 2026 convention, industry representatives indicated that diesel can account for more than 40% of operating costs for many operators.",[2870],{"start":2871,"end":2872,"type":216,"data":2873},107,149,{"link_type":78,"url":2874,"target":135},"https://fleetwatch.co.za/fleetwatch-article/rfa-convention-trucking-urged-to-shift-gears-on-reform-safety-and-collaboration/",{"type":70,"text":2876,"spans":2877,"direction":73},"For fleet owners, however, the best test isn't a manufacturer's headline fuel figure.",[],{"type":70,"text":2879,"spans":2880,"direction":73},"Compare actual litres per 100 km across similar vehicles, routes, loads and drivers over time.",[],"article_content_text$c97bc418-309d-4e8a-b8b6-070a053a7c4e",{"variation":1503,"version":1504,"items":2883,"primary":2884,"id":2939,"slice_type":1515,"slice_label":9},[],{"heading":2885,"content":2886,"link_heading":1364},"Think beyond the fuel tank",[2887,2890,2893,2896,2899,2902,2906,2909,2912,2915,2918,2921,2924,2927,2930,2933,2936],{"type":70,"text":2888,"spans":2889,"direction":73},"Fuel usually receives the most attention because it is one of the easiest operating costs to see.",[],{"type":70,"text":2891,"spans":2892,"direction":73},"But transmission choice can also influence maintenance and downtime.",[],{"type":70,"text":2894,"spans":2895,"direction":73},"A manually operated clutch is affected partly by driver technique. Repeated heavy clutch use, poor gear selection or constant stop-start driving can contribute to wear.",[],{"type":70,"text":2897,"spans":2898,"direction":73},"AMTs automate much of this process, potentially reducing some driver-related variation.",[],{"type":70,"text":2900,"spans":2901,"direction":73},"That doesn't mean an automatic truck is maintenance-free. Modern transmissions contain sophisticated mechanical and electronic systems and may require specialist diagnostics or repairs.",[],{"type":70,"text":2903,"spans":2904,"direction":73},"Fleet managers should therefore look at total cost of ownership, including:",[2905],{"start":1818,"end":2180,"type":1536},{"type":1579,"text":2907,"spans":2908,"direction":73},"purchase price;",[],{"type":1579,"text":2910,"spans":2911,"direction":73},"finance;",[],{"type":1579,"text":2913,"spans":2914,"direction":73},"fuel;",[],{"type":1579,"text":2916,"spans":2917,"direction":73},"scheduled servicing;",[],{"type":1579,"text":2919,"spans":2920,"direction":73},"transmission maintenance;",[],{"type":1579,"text":2922,"spans":2923,"direction":73},"replacement parts;",[],{"type":1579,"text":2925,"spans":2926,"direction":73},"tyres;",[],{"type":1579,"text":2928,"spans":2929,"direction":73},"driver training;",[],{"type":1579,"text":2931,"spans":2932,"direction":73},"downtime; and",[],{"type":1579,"text":2934,"spans":2935,"direction":73},"resale value.",[],{"type":70,"text":2937,"spans":2938,"direction":73},"The cheapest truck to buy may not be the cheapest truck to operate.",[],"article_content_text$f411d9db-886e-4da9-a64d-855ca40ee1c0",{"variation":1503,"version":1504,"items":2941,"primary":2942,"id":2960,"slice_type":1515,"slice_label":9},[],{"heading":2943,"content":2944,"link_heading":1364},"Automatic trucks can reduce driver workload",[2945,2948,2951,2954,2957],{"type":70,"text":2946,"spans":2947,"direction":73},"Anyone who has spent hours driving a heavy vehicle through stop-start traffic knows how repetitive clutch and gear operation can become.",[],{"type":70,"text":2949,"spans":2950,"direction":73},"Automating those tasks can reduce some of the driver's physical workload.",[],{"type":70,"text":2952,"spans":2953,"direction":73},"That doesn't make the driver less important.",[],{"type":70,"text":2955,"spans":2956,"direction":73},"Drivers still need to manage vehicle position, braking, road hazards, load behaviour, weather and changing traffic conditions. What automation can do is remove one repetitive task from an already demanding working environment.",[],{"type":70,"text":2958,"spans":2959,"direction":73},"That may be especially valuable for urban distribution, regional routes and operations involving frequent stops.",[],"article_content_text$3514db53-f662-4611-b3e5-15a41dd60cd0",{"variation":1503,"version":1504,"items":2962,"primary":2963,"id":2998,"slice_type":1515,"slice_label":9},[],{"heading":2964,"content":2965,"link_heading":1364},"Driver training still matters",[2966,2969,2972,2975,2978,2981,2984,2987,2990,2993,2996],{"type":70,"text":2967,"spans":2968,"direction":73},"One of the mistakes fleet owners should avoid is assuming an automatic truck needs little or no training.",[],{"type":70,"text":2970,"spans":2971,"direction":73},"Different trucks have different transmission modes, braking systems, load characteristics and operating limits.",[],{"type":70,"text":2973,"spans":2974,"direction":73},"Drivers need to understand how their vehicle responds:",[],{"type":70,"text":2976,"spans":2977,"direction":73},"•\ton steep gradients;",[],{"type":70,"text":2979,"spans":2980,"direction":73},"•\twhen carrying heavy loads;",[],{"type":70,"text":2982,"spans":2983,"direction":73},"•\tduring overtaking;",[],{"type":70,"text":2985,"spans":2986,"direction":73},"•\twhen manoeuvring;",[],{"type":70,"text":2988,"spans":2989,"direction":73},"•\ton slippery surfaces; and",[],{"type":70,"text":2991,"spans":2992,"direction":73},"•\tunder engine or auxiliary braking.",[],{"type":70,"text":2994,"spans":2995,"direction":73},"Automation can make a truck easier to operate consistently. It does not replace proper professional driver training.",[],{"type":70,"text":1980,"spans":2997,"direction":73},[],"article_content_text$9296d9e5-6d76-4f4e-b143-82fed9d273ab",{"variation":1503,"version":1504,"items":3000,"primary":3001,"id":3027,"slice_type":1515,"slice_label":9},[],{"heading":3002,"content":3003,"link_heading":1364},"Manual trucks still have a role",[3004,3007,3010,3013,3016,3019,3024],{"type":70,"text":3005,"spans":3006,"direction":73},"Newer technology isn't automatically the right technology for every operation.",[],{"type":70,"text":3008,"spans":3009,"direction":73},"Manual trucks may still suit businesses where drivers are highly experienced, the application requires greater manual control, servicing support favours simpler mechanical systems or the acquisition cost of an AMT cannot be justified by likely operational savings.",[],{"type":70,"text":3011,"spans":3012,"direction":73},"The important question isn't:",[],{"type":70,"text":3014,"spans":3015,"direction":73},"“Which transmission is better?”",[],{"type":70,"text":3017,"spans":3018,"direction":73},"It is:",[],{"type":70,"text":3020,"spans":3021,"direction":73},"“Which transmission performs better in our operation?”",[3022],{"start":3023,"end":2863,"type":1536},39,{"type":70,"text":3025,"spans":3026,"direction":73},"That means evaluating real routes, loads, drivers and costs rather than making the decision on technology alone.",[],"article_content_text$c3c0e4fc-73b6-4b70-a507-7f6da9bc2722",{"variation":1503,"version":1504,"items":3029,"primary":3030,"id":3069,"slice_type":1515,"slice_label":9},[],{"heading":3031,"content":3032,"link_heading":1364},"Test before changing your entire fleet",[3033,3036,3039,3042,3045,3048,3051,3054,3057,3060,3063,3066],{"type":70,"text":3034,"spans":3035,"direction":73},"Fleet owners considering a major switch can start with a controlled trial.",[],{"type":70,"text":3037,"spans":3038,"direction":73},"Place a small number of automated trucks onto representative routes and measure them against comparable manual vehicles.",[],{"type":70,"text":3040,"spans":3041,"direction":73},"Track:",[],{"type":1579,"text":3043,"spans":3044,"direction":73},"fuel consumption;",[],{"type":1579,"text":3046,"spans":3047,"direction":73},"maintenance;",[],{"type":1579,"text":3049,"spans":3050,"direction":73},"clutch and transmission costs;",[],{"type":1579,"text":3052,"spans":3053,"direction":73},"downtime;",[],{"type":1579,"text":3055,"spans":3056,"direction":73},"delivery performance;",[],{"type":1579,"text":3058,"spans":3059,"direction":73},"driver feedback; and",[],{"type":1579,"text":3061,"spans":3062,"direction":73},"total operating cost per kilometre.",[],{"type":70,"text":3064,"spans":3065,"direction":73},"Telematics can make these comparisons considerably more useful by allowing managers to compare vehicles and driver behaviour using actual operational data.",[],{"type":70,"text":3067,"spans":3068,"direction":73},"A six- or twelve-month fleet trial can tell you far more about your business case than a specification sheet alone.",[],"article_content_text$5988e6bb-3e54-419d-a6fe-5c7b1dce9156",{"variation":1503,"version":1504,"items":3071,"primary":3072,"id":3104,"slice_type":1515,"slice_label":9},[],{"heading":3073,"content":3074,"link_heading":1364},"Don't overlook the risks around the truck",[3075,3078,3081,3086,3092,3101],{"type":70,"text":3076,"spans":3077,"direction":73},"Transmission technology may improve certain areas of efficiency, but it cannot remove the risks involved in running heavy commercial vehicles.",[],{"type":70,"text":3079,"spans":3080,"direction":73},"Accidents, theft, hijacking, damage and unexpected downtime can still disrupt deliveries and affect revenue.",[],{"type":70,"text":3082,"spans":3083,"direction":73},"That is where truck insurance should form part of the broader fleet strategy.",[3084],{"start":1817,"end":3085,"type":1536},29,{"type":70,"text":3087,"spans":3088,"direction":73},"Miway offers truck insurance for commercial operators covering heavy commercial vehicles, with options including towing and recovery, roadside assistance and cross-border cover, subject to the policy selected and its terms.",[3089],{"start":2005,"end":2806,"type":216,"data":3090},{"link_type":78,"url":3091,"target":135},"https://www.miway.co.za/truck-insurance",{"type":70,"text":3093,"spans":3094,"direction":73},"Businesses operating several vehicles can also consider business vehicles and fleet insurance as part of their wider business insurance planning.",[3095,3098],{"start":2482,"end":3096,"type":216,"data":3097},93,{"link_type":78,"url":1687,"target":135},{"start":3099,"end":3100,"type":1536},117,135,{"type":70,"text":3102,"spans":3103,"direction":73},"The important point is that improved vehicle technology and insurance address different risks. One helps you manage how the fleet operates; the other helps protect the business when an insured event happens.",[],"article_content_text$8bbf82da-159f-4ab7-95ad-0858055f2f69",{"variation":1503,"version":1504,"items":3106,"primary":3107,"id":3130,"slice_type":1515,"slice_label":9},[],{"heading":3108,"content":3109,"link_heading":1364},"Remember what's on the truck too",[3110,3113,3121,3127],{"type":70,"text":3111,"spans":3112,"direction":73},"Insuring the vehicle does not necessarily mean the stock or customers' goods being transported are covered.",[],{"type":70,"text":3114,"spans":3115,"direction":73},"If your trucks regularly transport stock, raw materials or customer goods, consider whether Goods in Transit insurance is also appropriate.",[3116],{"start":3117,"end":3118,"type":216,"data":3119},92,118,{"link_type":78,"url":3120,"target":135},"https://www.miway.co.za/goods-in-transit",{"type":70,"text":3122,"spans":3123,"direction":73},"Miway's Goods in Transit cover is designed around goods transported by road and can be added alongside other elements of business insurance, subject to the chosen policy and terms.",[3124],{"start":3125,"end":3126,"type":1536},121,139,{"type":70,"text":3128,"spans":3129,"direction":73},"That creates a more complete risk-management approach: protect the truck, understand the load and consider the financial consequences if either is interrupted.",[],"article_content_text$f05dd050-3ffb-4439-9d44-6ea7cdcba0bc",{"variation":1503,"version":1504,"items":3132,"primary":3133,"id":3161,"slice_type":1515,"slice_label":9},[],{"heading":3134,"content":3135,"link_heading":1364},"Should your fleet go automatic?",[3136,3139,3142,3145,3148,3152,3158],{"type":70,"text":3137,"spans":3138,"direction":73},"There isn't one answer for every transport operation.",[],{"type":70,"text":3140,"spans":3141,"direction":73},"Automated manual transmissions can provide more consistent gear selection, reduce repeated clutch work and make trucks easier to operate across a wider group of trained drivers.",[],{"type":70,"text":3143,"spans":3144,"direction":73},"Manual transmissions may still make operational and financial sense for certain routes, applications and fleets.",[],{"type":70,"text":3146,"spans":3147,"direction":73},"Before choosing, compare your:",[],{"type":70,"text":3149,"spans":3150,"direction":73},"routes, loads, drivers, fuel data, maintenance history, downtime and total cost of ownership.",[3151],{"start":28,"end":3096,"type":1536},{"type":70,"text":3153,"spans":3154,"direction":73},"Then consider how the vehicle fits into your wider risk-management and truck insurance strategy.",[3155],{"start":3156,"end":3157,"type":1536},71,86,{"type":70,"text":3159,"spans":3160,"direction":73},"Technology keeps moving forward. The best fleet decisions are the ones where the numbers move forward with it.",[],"article_content_text$e2478fb9-51a1-4364-b4b3-eefcf75fb6e2",{"variation":1503,"version":1504,"items":3163,"primary":3164,"id":3181,"slice_type":1515,"slice_label":9},[],{"heading":3165,"content":3166,"link_heading":1364},"Keep your fleet moving",[3167,3170,3173,3179],{"type":70,"text":3168,"spans":3169,"direction":73},"Your trucks don't simply move goods. They support customers, revenue and the day-to-day operation of your business.",[],{"type":70,"text":3171,"spans":3172,"direction":73},"Review your vehicles, routes and risks together, and make sure the protection around your fleet keeps pace with changes in your operation.",[],{"type":70,"text":3174,"spans":3175,"direction":73},"Get a Miway Business Insurance quote or review Miway's truck and fleet cover to find a solution that matches the way your business operates.",[3176],{"start":28,"end":3177,"type":216,"data":3178},36,{"link_type":78,"url":1706,"target":135},{"type":70,"text":1980,"spans":3180,"direction":73},[],"article_content_text$9ab9d6ea-b633-4a55-8ee8-745c245169c9","The growing trend towards automation hasn’t just stayed at cars. Multiple industries are using smart technologies to reduce costs and drive business efficiency.",{"dimensions":3184,"alt":9,"copyright":9,"url":3185,"id":2764,"edit":3186},{"width":1713,"height":1714},"https://images.prismic.io/miway-website/Z-PXv3dAxsiBv6vA_dropping-the-clutch-on-trucks-going-the-automatic-route.jpeg?auto=format,compress&rect=376,0,512,269&w=2400&h=1260",{"x":3187,"y":28,"zoom":29,"background":30},376,{"link_type":35},[3190],{"type":70,"text":3182,"spans":3191,"direction":73},[],{"id":1725,"type":1726,"tags":3193,"lang":16,"slug":1728,"first_publication_date":1729,"last_publication_date":1730,"uid":1731,"link_type":393,"key":3194,"isBroken":395},[],"208b629c-a2a3-4e15-95c8-4ccdc542ca5d",[3196,3198,3200],{"text":3197},"Automatic transmissions are only the start!",{"text":3199},"Pros for fleet owners.",{"text":3201},"Benefits for truck drivers.",{"dimensions":3203,"alt":9,"copyright":9,"url":2763,"id":2764,"edit":3204},{"width":2761,"height":2762},{"x":28,"y":28,"zoom":29,"background":30},1793967449197]