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A higher voluntary excess may reduce the monthly premium, but it increases the amount the policyholder must fund when claiming. The right excess should therefore be affordable during an unexpected loss.",[],"article_content_text$39149627-93bf-4a42-894c-ef0ad209807c","article_content_text",{"variation":1511,"version":1512,"items":1522,"primary":1523,"id":1542,"slice_type":1520,"slice_label":9},[],{"heading":1524,"content":1525,"link_heading":1363},"What is an insurance excess",[1526,1539],{"type":70,"text":1527,"spans":1528,"direction":73},"An insurance excess is the portion of an insured loss that the policyholder pays. It is a standard feature of many short-term insurance policies, including car and household cover. The amount, structure and circumstances in which it applies are set out in the policy schedule or coversheet and policy wording.",[1529,1534],{"start":1530,"end":1531,"type":216,"data":1532},156,159,{"link_type":78,"url":1533,"target":135},"https://www.miway.co.za/car-insurance-excess",{"start":1535,"end":1536,"type":216,"data":1537},164,179,{"link_type":78,"url":1538,"target":135},"https://www.miway.co.za/home-insurance",{"type":70,"text":1540,"spans":1541,"direction":73},"For example, if an approved claim is R50,000 and the applicable excess is R5,000, the policyholder contributes R5,000 and the insurer pays the remaining R45,000, subject to the policy terms. This example is illustrative and actual settlements depend on the claim.",[],"article_content_text$1b520258-e21e-47c9-bcc2-faa500746a2a",{"variation":1511,"version":1512,"items":1544,"primary":1545,"id":1554,"slice_type":1520,"slice_label":9},[],{"heading":1546,"content":1547,"link_heading":1363},"What types of excess can apply",[1548,1551],{"type":70,"text":1549,"spans":1550,"direction":73},"A standard or basic excess is the normal contribution shown on the schedule for a covered claim. A voluntary excess is an amount selected by the policyholder, often in exchange for a different premium. An additional excess may apply on top of the standard excess when stated circumstances are present.",[],{"type":70,"text":1552,"spans":1553,"direction":73},"Additional excesses can vary by policy and may relate to factors such as the driver, the use of the vehicle or the circumstances of the incident. Policyholders should never assume that the headline excess is the only amount that could apply.",[],"article_content_text$835d898e-f282-48d5-8c10-27b50d8f57dd",{"variation":1511,"version":1512,"items":1556,"primary":1557,"id":1566,"slice_type":1520,"slice_label":9},[],{"heading":1558,"content":1559,"link_heading":1363},"How does excess affect the insurance premium",[1560,1563],{"type":70,"text":1561,"spans":1562,"direction":73},"Premium and excess often move in opposite directions. Selecting a higher voluntary excess may lower the monthly premium because the policyholder accepts a larger share of a future claim. Selecting a lower excess may increase the premium because the insurer carries more of the eligible loss.",[],{"type":70,"text":1564,"spans":1565,"direction":73},"The lowest premium is not always the most affordable option overall. A policy can become difficult to use if the excess is more than the policyholder can access after an accident, theft or household loss.",[],"article_content_text$03d2099b-407c-4582-a8df-a7a45a4abf93",{"variation":1511,"version":1512,"items":1568,"primary":1569,"id":1578,"slice_type":1520,"slice_label":9},[],{"heading":1570,"content":1571,"link_heading":1363},"How insurers determine excesses",[1572,1575],{"type":70,"text":1573,"spans":1574,"direction":73},"Insurance is priced according to risk rather than a single affordability rule. The premium and excess structure may reflect the insured asset, type of cover, claims history, driver profile, vehicle use, location, security measures and other underwriting information.",[],{"type":70,"text":1576,"spans":1577,"direction":73},"This is why two people with similar-looking policies may receive different terms. A newly licensed driver, a high-value vehicle or a particular use of the insured asset may affect the final quotation, subject to the insurer’s underwriting approach.",[],"article_content_text$32944136-b5f0-4f46-a253-30b3c22fdc4c",{"variation":1511,"version":1512,"items":1580,"primary":1581,"id":1605,"slice_type":1520,"slice_label":9},[],{"heading":1582,"content":1583,"link_heading":1363},"How to choose an excess you can afford",[1584,1587,1590,1593,1596,1599,1602],{"type":70,"text":1585,"spans":1586,"direction":73},"·       Ask for quotations at more than one excess level.",[],{"type":70,"text":1588,"spans":1589,"direction":73},"·       Compare the monthly saving with the additional amount payable after a claim.",[],{"type":70,"text":1591,"spans":1592,"direction":73},"·       Check every standard, voluntary and additional excess on the schedule.",[],{"type":70,"text":1594,"spans":1595,"direction":73},"·       Keep the chosen excess available in emergency savings where possible.",[],{"type":70,"text":1597,"spans":1598,"direction":73},"·       Consider whether several excesses could apply to the same incident.",[],{"type":70,"text":1600,"spans":1601,"direction":73},"·       Review the excess when finances, drivers, assets or cover change.",[],{"type":70,"text":1603,"spans":1604,"direction":73},"A useful test is simple: if a valid claim happened next week, could you pay the total applicable excess without missing essential household commitments or taking unaffordable debt? If not, the monthly saving may not justify the risk.",[],"article_content_text$22079633-b5f1-42e3-a814-7c1aed2523c9",{"variation":1511,"version":1512,"items":1607,"primary":1608,"id":1637,"slice_type":1520,"slice_label":9},[],{"heading":1609,"content":1610,"link_heading":1363},"Questions to ask before accepting a policy",[1611,1614,1617,1620,1623,1626,1629],{"type":70,"text":1612,"spans":1613,"direction":73},"·       What is my standard excess?",[],{"type":70,"text":1615,"spans":1616,"direction":73},"·       Have I selected a voluntary excess?",[],{"type":70,"text":1618,"spans":1619,"direction":73},"·       Which additional excesses can apply?",[],{"type":70,"text":1621,"spans":1622,"direction":73},"·       Is the excess fixed, percentage-based or subject to a minimum?",[],{"type":70,"text":1624,"spans":1625,"direction":73},"·       When and to whom must the excess be paid?",[],{"type":70,"text":1627,"spans":1628,"direction":73},"·       Could more than one excess apply to one claim?",[],{"type":70,"text":1630,"spans":1631,"direction":73},"Miway’s claims information explains how excess contributions work in its claims process, while the final coversheet and policy wording confirm the amount and conditions that apply to an individual customer.",[1632],{"start":1633,"end":1634,"type":216,"data":1635},8,26,{"link_type":78,"url":1636,"target":135},"https://www.miway.co.za/claims","article_content_text$edd69d6d-1b56-4ce0-b06a-6c5bd9f9b033",{"variation":1511,"version":1512,"items":1639,"primary":1640,"id":1646,"slice_type":1520,"slice_label":9},[],{"heading":1641,"content":1642,"link_heading":1363},"The bottom line",[1643],{"type":70,"text":1644,"spans":1645,"direction":73},"Excess is part of the real cost of insurance. Choose it with the same care as the premium and cover limit. A sustainable policy balances an affordable monthly premium with an excess that remains manageable when an unexpected claim occurs.",[],"article_content_text$2cf30aad-0c30-403e-aa58-a64be1e05082",{"variation":1648,"version":1512,"items":1649,"primary":1650,"id":1684,"slice_type":1520,"slice_label":9},"subheadingBulletLists",[],{"heading":1651,"content":1652,"sub_sections":1653,"link_heading":1363},"Frequently asked questions",[],[1654,1660,1666,1672,1678],{"subheading":1655,"list":1656,"link_subsection":1363},"Do I pay an excess on every insurance claim?",[1657],{"type":70,"text":1658,"spans":1659,"direction":73},"Not necessarily. Whether an excess applies depends on the cover, type of claim, circumstances and policy terms. The claims consultant should confirm the applicable amount.",[],{"subheading":1661,"list":1662,"link_subsection":1363},"Can more than one excess apply to a claim?",[1663],{"type":70,"text":1664,"spans":1665,"direction":73},"Yes. A standard excess and one or more additional excesses may apply if the circumstances listed in the schedule or wording are present.",[],{"subheading":1667,"list":1668,"link_subsection":1363},"Does a higher excess always mean a lower premium?",[1669],{"type":70,"text":1670,"spans":1671,"direction":73},"A higher voluntary excess may reduce the premium, but pricing depends on the complete risk profile and the insurer’s underwriting rules.",[],{"subheading":1673,"list":1674,"link_subsection":1363},"When is the insurance excess paid?",[1675],{"type":70,"text":1676,"spans":1677,"direction":73},"The timing depends on the claim and insurer. It is commonly payable after approval and before repairs are completed or settlement is finalised.",[],{"subheading":1679,"list":1680,"link_subsection":1363},"How do I know what my excess is?",[1681],{"type":70,"text":1682,"spans":1683,"direction":73},"Check the policy schedule or coversheet and wording. Ask the insurer to explain the standard, voluntary and additional excesses before accepting cover.",[],"article_content_text$234607eb-6de8-45ba-818e-b026d39750cc","Insurance Excess Explained in South Africa | Miway Insurance","Learn what an insurance excess is, how it affects premiums and claims, when additional excesses may apply, and how to choose an affordable amount.","insurance excess",{"dimensions":1689,"alt":1504,"copyright":9,"url":1692,"id":1506,"edit":1693},{"width":1690,"height":1691},2400,1260,"https://images.prismic.io/miway-website/4wy9KaSGY-juSBBI_02.Makeyourcover_workforyou-1-.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":1694,"y":28,"zoom":29,"background":30},523,{"link_type":35},[1697],{"type":70,"text":1517,"spans":1698,"direction":73},[],"Miway",{"id":1701,"type":1702,"tags":1703,"lang":16,"slug":1704,"first_publication_date":1705,"last_publication_date":1706,"uid":1707,"data":1708,"link_type":393,"key":1739,"isBroken":395},"ZwY4_BAAACAAqBd3","service_block",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block",{"description":1709,"cta_text":383,"cta_link_href":1713,"buttons":1716,"pictogram":1725,"title":1738},[1710],{"type":70,"text":1711,"spans":1712,"direction":73},"If you are looking for some help, this is the right place. Find help now.",[],{"id":385,"type":386,"tags":1714,"lang":16,"slug":388,"first_publication_date":389,"last_publication_date":390,"uid":391,"url":392,"link_type":393,"key":1715,"isBroken":395},[],"8d400839-0eaf-4b3f-b247-2b8ca5063521",[1717,1721],{"button_text":1718,"button_link":1719,"button_colour":1720,"button_variant":1511,"functionality":1718},"Call me back",{"link_type":35},"white",{"button_text":1722,"button_link":1723,"button_colour":1720,"button_variant":1724,"functionality":1722},"Get my quote",{"link_type":35},"outline",{"dimensions":1726,"alt":9,"copyright":9,"url":1729,"id":843,"edit":1730,"mobile":1731},{"width":1727,"height":1728},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":1732,"alt":9,"copyright":9,"url":1735,"id":843,"edit":1736},{"width":1733,"height":1734},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":1737,"zoom":29,"background":30},3,"Need some help?","4edc8b82-b35b-4a03-b4d8-4743b4dd89e0",[],{"dimensions":1742,"alt":1504,"copyright":9,"url":1505,"id":1506,"edit":1743},{"width":1502,"height":1503},{"x":28,"y":28,"zoom":29,"background":30},[1745,1949,2130,2305],{"id":1746,"uid":1747,"url":1748,"type":1469,"href":1749,"tags":1750,"first_publication_date":1751,"last_publication_date":1751,"slugs":1752,"linked_documents":1754,"lang":16,"alternate_languages":1755,"data":1756},"asdrEBIAACcA1xMi","how-to-calculate-the-value-of-your-home-contents-and-avoid-underinsurance","/blog/how-to-calculate-the-value-of-your-home-contents-and-avoid-underinsurance","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=as4NRBUAACwAapYY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asdrEBIAACcA1xMi%22%29+%5D%5D",[760,958,1493],"2026-10-08T10:23:44+0000",[1753],"2026-10-08t1000000000",[],[],{"date":1757,"heading":1758,"duration":9,"article_type":1759,"category":1762,"related_product":1766,"thumbnail":1769,"type":1508,"related_insurance":784,"slices":1776,"meta_title":1927,"meta_description":1928,"meta_keywords":1929,"meta_image":1930,"canonical":1935,"intro":1936,"author":1699,"service_block":1939,"in_this_article":1945,"hero_image":1946},"2026-10-08T10:00:00+0000","How to calculate the value of your home contents and avoid underinsurance",{"id":1366,"type":1339,"tags":1760,"lang":16,"slug":1368,"first_publication_date":1369,"last_publication_date":1369,"uid":1368,"url":1343,"link_type":393,"key":1761,"isBroken":395},[],"76a185d3-6918-4db0-8152-e77892cdb60f",{"id":1484,"type":1485,"tags":1763,"lang":16,"slug":1377,"first_publication_date":1487,"last_publication_date":1487,"uid":1377,"url":1343,"data":1764,"link_type":393,"key":1765,"isBroken":395},[],{"name":680},"9f895797-68d8-4099-8999-79aba2c25100",{"id":804,"type":515,"tags":1767,"lang":16,"slug":806,"first_publication_date":807,"last_publication_date":808,"uid":809,"url":810,"link_type":393,"key":1768,"isBroken":395},[517,688,519],"da09e7c7-c5f4-4ec8-9617-4379e09b0b2b",{"dimensions":1770,"alt":1772,"copyright":9,"url":1773,"id":1774,"edit":1775},{"width":1502,"height":1771},609,"Calculate your home insurance","https://images.prismic.io/miway-website/RGJ_MMzYkT0EIvwB_Image7-1-.jpg?auto=format,compress","RGJ_MMzYkT0EIvwB",{"x":28,"y":28,"zoom":29,"background":30},[1777,1785,1797,1824,1836,1863,1883,1891],{"variation":1511,"version":1512,"items":1778,"primary":1779,"id":1784,"slice_type":1520,"slice_label":9},[],{"heading":9,"content":1780,"link_heading":1363},[1781],{"type":70,"text":1782,"spans":1783,"direction":73},"Calculate home contents at today’s replacement cost: the amount needed to replace eligible belongings with new items of a similar type and quality. Build a room-by-room inventory, include easily forgotten possessions, obtain valuations for high-value items and update the total after major purchases or price increases.",[],"article_content_text$f41874c6-a673-4a4d-883e-8071339125d5",{"variation":1511,"version":1512,"items":1786,"primary":1787,"id":1796,"slice_type":1520,"slice_label":9},[],{"heading":1788,"content":1789,"link_heading":1363},"What is underinsurance",[1790,1793],{"type":70,"text":1791,"spans":1792,"direction":73},"Underinsurance occurs when the insured amount is lower than the true replacement value of the contents. If an average clause applies, a claim may be reduced in the same proportion as the underinsurance even when only part of the contents is damaged.",[],{"type":70,"text":1794,"spans":1795,"direction":73},"For example, if contents worth R600,000 are insured for R300,000, the home is insured for only half its replacement value. Subject to the policy, an otherwise valid partial claim may therefore be reduced proportionally, less the excess. This example is illustrative; actual settlements follow the wording.",[],"article_content_text$cb1aed01-256b-4099-aadc-0830e03d185e",{"variation":1511,"version":1512,"items":1798,"primary":1799,"id":1823,"slice_type":1520,"slice_label":9},[],{"heading":1800,"content":1801,"link_heading":1363},"How to calculate home contents value",[1802,1805,1808,1811,1814,1817,1820],{"type":70,"text":1803,"spans":1804,"direction":73},"·       Walk through every room, garage, storeroom and outdoor living area.",[],{"type":70,"text":1806,"spans":1807,"direction":73},"·       List furniture, appliances, electronics, clothing, linen, kitchenware, tools, books, décor, sports equipment and other belongings.",[],{"type":70,"text":1809,"spans":1810,"direction":73},"·       Use current retail replacement prices, not what the items originally cost or their second-hand value.",[],{"type":70,"text":1812,"spans":1813,"direction":73},"·       Record quantities for groups such as clothing, crockery and bedding.",[],{"type":70,"text":1815,"spans":1816,"direction":73},"·       Obtain current professional valuations for jewellery, art or collectibles where required.",[],{"type":70,"text":1818,"spans":1819,"direction":73},"·       Add the room totals and retain a reasonable allowance for small forgotten items.",[],{"type":70,"text":1821,"spans":1822,"direction":73},"A spreadsheet, home-inventory app, photos and short videos can make the review easier. Store copies securely away from the home or in protected cloud storage.",[],"article_content_text$e47ea243-782d-4be9-881a-2a4f408f57e3",{"variation":1511,"version":1512,"items":1825,"primary":1826,"id":1835,"slice_type":1520,"slice_label":9},[],{"heading":1827,"content":1828,"link_heading":1363},"Items people often forget",[1829,1832],{"type":70,"text":1830,"spans":1831,"direction":73},"Common omissions include clothing for the whole household, curtains, rugs, cookware, small appliances, tools, garden and leisure equipment, children’s items, books, stored belongings and recently purchased electronics.",[],{"type":70,"text":1833,"spans":1834,"direction":73},"Portable items such as phones, laptops, cameras and jewellery may require separate movables or all-risk cover when taken outside the home. Standard home contents cover may not fully protect them away from the insured address.",[],"article_content_text$c4e90129-73fe-4d17-b4cd-19133076a1f9",{"variation":1511,"version":1512,"items":1837,"primary":1838,"id":1862,"slice_type":1520,"slice_label":9},[],{"heading":1839,"content":1840,"link_heading":1363},"When to update the insured amount",[1841,1844,1847,1850,1853,1856,1859],{"type":70,"text":1842,"spans":1843,"direction":73},"·       After moving or renovating",[],{"type":70,"text":1845,"spans":1846,"direction":73},"·       After buying furniture, appliances or electronics",[],{"type":70,"text":1848,"spans":1849,"direction":73},"·       After receiving jewellery, art or inherited items",[],{"type":70,"text":1851,"spans":1852,"direction":73},"·       When replacement prices rise materially",[],{"type":70,"text":1854,"spans":1855,"direction":73},"·       When household members move in or out",[],{"type":70,"text":1857,"spans":1858,"direction":73},"·       At every annual policy review",[],{"type":70,"text":1860,"spans":1861,"direction":73},"Tell the insurer about material changes rather than waiting for renewal. Keep receipts, serial numbers, photographs and valuation certificates where available.",[],"article_content_text$c75ab059-64e6-41ab-9a34-da26cc8b5c19",{"variation":1511,"version":1512,"items":1864,"primary":1865,"id":1882,"slice_type":1520,"slice_label":9},[],{"heading":1866,"content":1867,"link_heading":1363},"How to reduce the risk of a claim shortfall",[1868,1871],{"type":70,"text":1869,"spans":1870,"direction":73},"Confirm how the policy defines replacement value and applies the average clause. Check single-item limits, security requirements, specified-item rules, excesses and exclusions. The insured amount should reflect all eligible contents, while valuable or portable items may need individual specification.",[],{"type":70,"text":1872,"spans":1873,"direction":73},"Miway’s home insurance information and underinsurance guide provide a useful starting point for reviewing household cover.",[1874,1877],{"start":1633,"end":1875,"type":216,"data":1876},22,{"link_type":78,"url":1538,"target":135},{"start":1878,"end":1879,"type":216,"data":1880},39,59,{"link_type":78,"url":1881,"target":135},"https://www.miway.co.za/blog/how-to-avoid-underinsuring-your-household-contents","article_content_text$740d0c64-c9f0-4b12-9d44-6c0466bfd231",{"variation":1511,"version":1512,"items":1884,"primary":1885,"id":1890,"slice_type":1520,"slice_label":9},[],{"heading":1641,"content":1886,"link_heading":1363},[1887],{"type":70,"text":1888,"spans":1889,"direction":73},"A reliable contents value comes from an inventory, not a guess. Price every room at current replacement cost, document high-value possessions and refresh the total regularly. The few hours spent recording belongings can reduce uncertainty when a loss occurs.",[],"article_content_text$bc3355d7-0e45-4c57-bfca-3e51afd3bb51",{"variation":1648,"version":1512,"items":1892,"primary":1893,"id":1926,"slice_type":1520,"slice_label":9},[],{"heading":1651,"content":1894,"sub_sections":1895,"link_heading":1363},[],[1896,1902,1908,1914,1920],{"subheading":1897,"list":1898,"link_subsection":1363},"Should home contents be insured at purchase price or replacement value?",[1899],{"type":70,"text":1900,"spans":1901,"direction":73},"They should generally be assessed at current replacement cost for new items of similar type and quality, subject to the policy definition.",[],{"subheading":1903,"list":1904,"link_subsection":1363},"What is the average clause?",[1905],{"type":70,"text":1906,"spans":1907,"direction":73},"It is a policy mechanism that may reduce a claim proportionally when the total insured amount is below the actual replacement value.",[],{"subheading":1909,"list":1910,"link_subsection":1363},"How often should I value my home contents?",[1911],{"type":70,"text":1912,"spans":1913,"direction":73},"Review the value at least annually and after major purchases, renovations, gifts, inheritance or significant price changes.",[],{"subheading":1915,"list":1916,"link_subsection":1363},"Do I need receipts for every item?",[1917],{"type":70,"text":1918,"spans":1919,"direction":73},"Not always, but receipts, photos, serial numbers and valuations can help establish ownership, condition and value. Check the insurer’s claim requirements.",[],{"subheading":1921,"list":1922,"link_subsection":1363},"Are laptops and jewellery covered outside the home?",[1923],{"type":70,"text":1924,"spans":1925,"direction":73},"Not automatically in every policy. Portable items may need specified movables or all-risk cover for loss or damage away from the insured address.",[],"article_content_text$c3a7648f-fd3b-4420-a8a7-9ace5851653a","How to Calculate Home Contents Value and Avoid Underinsurance","Create an accurate home contents inventory, calculate replacement value and reduce the risk of underinsurance when insuring household belongings in SA","home contents",{"dimensions":1931,"alt":1772,"copyright":9,"url":1932,"id":1774,"edit":1933},{"width":1690,"height":1691},"https://images.prismic.io/miway-website/RGJ_MMzYkT0EIvwB_Image7-1-.jpg?auto=format,compress&rect=501,0,1160,609&w=2400&h=1260",{"x":1934,"y":28,"zoom":29,"background":30},501,{"link_type":35},[1937],{"type":70,"text":1782,"spans":1938,"direction":73},[],{"id":1940,"type":1702,"tags":1941,"lang":16,"slug":776,"first_publication_date":1942,"last_publication_date":1943,"uid":776,"link_type":393,"key":1944,"isBroken":395},"akuheBEAACsACNSf",[760,688],"2026-07-06T13:17:07+0000","2026-07-07T07:58:00+0000","4cdcd398-4d1d-4bf3-90f9-28bc3588baf4",[],{"dimensions":1947,"alt":1772,"copyright":9,"url":1773,"id":1774,"edit":1948},{"width":1502,"height":1771},{"x":28,"y":28,"zoom":29,"background":30},{"id":1950,"uid":1951,"url":1952,"type":1469,"href":1953,"tags":1954,"first_publication_date":1955,"last_publication_date":1955,"slugs":1956,"linked_documents":1958,"lang":16,"alternate_languages":1959,"data":1960},"asdUNhIAACcA1uVb","reduce-your-car-insurance-premium-without-losing-essential-cover","/blog/reduce-your-car-insurance-premium-without-losing-essential-cover","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=as4NRBUAACwAapYY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asdUNhIAACcA1uVb%22%29+%5D%5D",[624,958,1493],"2026-10-08T08:40:35+0000",[1957],"2026-10-08t0800000000",[],[],{"date":1961,"heading":1962,"duration":9,"article_type":1963,"category":1966,"related_product":1970,"thumbnail":1973,"type":1508,"related_insurance":1979,"slices":1980,"meta_title":2111,"meta_description":2112,"meta_keywords":2113,"meta_image":2114,"canonical":2115,"intro":2116,"author":1699,"service_block":2119,"in_this_article":2126,"hero_image":2127},"2026-10-08T08:00:00+0000","How to Reduce Your Car Insurance Premium Without Losing Essential Cover",{"id":1338,"type":1339,"tags":1964,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":1965,"isBroken":395},[],"8b42c8fe-3852-4988-8a1a-db2a108e44d0",{"id":1484,"type":1485,"tags":1967,"lang":16,"slug":1377,"first_publication_date":1487,"last_publication_date":1487,"uid":1377,"url":1343,"data":1968,"link_type":393,"key":1969,"isBroken":395},[],{"name":680},"d9295dca-dcca-4ad4-a46f-7c6ee3fa84db",{"id":626,"type":515,"tags":1971,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":1972,"isBroken":395},[519],"92e5fddc-c7ce-49fa-8130-b8080aceed0c",{"dimensions":1974,"alt":1975,"copyright":9,"url":1976,"id":1977,"edit":1978},{"width":1502,"height":1771},"save money from your car insurance","https://images.prismic.io/miway-website/x5B2WezUmlafCa77_Image3-1-.jpg?auto=format,compress","x5B2WezUmlafCa77",{"x":28,"y":28,"zoom":29,"background":30},"Car",[1981,1989,2001,2016,2028,2055,2067,2075],{"variation":1511,"version":1512,"items":1982,"primary":1983,"id":1988,"slice_type":1520,"slice_label":9},[],{"heading":9,"content":1984,"link_heading":1363},[1985],{"type":70,"text":1986,"spans":1987,"direction":73},"You can often improve car insurance affordability by correcting policy information, choosing a manageable excess, reviewing optional benefits and comparing like-for-like quotes. The safest savings preserve protection against losses you could not comfortably pay yourself and avoid inaccurate disclosures that may affect a claim.",[],"article_content_text$c6683cab-325b-416c-8379-299347e7d960",{"variation":1511,"version":1512,"items":1990,"primary":1991,"id":2000,"slice_type":1520,"slice_label":9},[],{"heading":1992,"content":1993,"link_heading":1363},"Start with an accurate policy review",[1994,1997],{"type":70,"text":1995,"spans":1996,"direction":73},"Ask the insurer to confirm the regular driver, vehicle use, overnight address, annual mileage, security devices, finance status and insured value. Changes to work arrangements, commuting or parking can affect risk and should be declared accurately.",[],{"type":70,"text":1998,"spans":1999,"direction":73},"Do not describe the lowest-risk family member as the regular driver if someone else uses the car most often. Premium savings based on incorrect information can create serious problems at claim stage.",[],"article_content_text$1a8c01d1-d5d6-42bb-9846-e49638793f5c",{"variation":1511,"version":1512,"items":2002,"primary":2003,"id":2015,"slice_type":1520,"slice_label":9},[],{"heading":2004,"content":2005,"link_heading":1363},"Choose the excess carefully",[2006,2012],{"type":70,"text":2007,"spans":2008,"direction":73},"The excess is the amount the policyholder must contribute to an accepted claim. A higher voluntary excess may lower the monthly premium, but it transfers more cost to you. Ask for quotes at several excess levels and compare the total financial effect.",[2009],{"start":156,"end":2010,"type":216,"data":2011},10,{"link_type":78,"url":1533,"target":135},{"type":70,"text":2013,"spans":2014,"direction":73},"Keep at least the selected excess accessible in emergency savings. Also check whether additional excesses apply for young drivers, late-night incidents, unlisted drivers, theft or other circumstances.",[],"article_content_text$dfd89df5-ff90-4872-a0ad-6ceba1cbf52d",{"variation":1511,"version":1512,"items":2017,"primary":2018,"id":2027,"slice_type":1520,"slice_label":9},[],{"heading":2019,"content":2020,"link_heading":1363},"Keep essential cover and reassess optional benefits",[2021,2024],{"type":70,"text":2022,"spans":2023,"direction":73},"Separate core risks from convenience benefits. Accident, theft, hijacking, weather and third-party liability losses can be financially severe. Optional car hire, extended roadside services or accessory cover may still be valuable, but should be assessed against how you would cope without them.",[],{"type":70,"text":2025,"spans":2026,"direction":73},"Removing cover without understanding the consequence is not a saving if one incident creates a much larger expense.",[],"article_content_text$b5f3b3ae-6e08-4cc0-8c87-508ecc25f256",{"variation":1511,"version":1512,"items":2029,"primary":2030,"id":2054,"slice_type":1520,"slice_label":9},[],{"heading":2031,"content":2032,"link_heading":1363},"Ask about legitimate savings",[2033,2036,2039,2042,2045,2048,2051],{"type":70,"text":2034,"spans":2035,"direction":73},"·       Compare personalised quotes on equivalent cover and excesses.",[],{"type":70,"text":2037,"spans":2038,"direction":73},"·       Ask about multi-product or multi-vehicle pricing where available.",[],{"type":70,"text":2040,"spans":2041,"direction":73},"·       Confirm that approved security or tracking devices are recorded.",[],{"type":70,"text":2043,"spans":2044,"direction":73},"·       Review annual mileage and vehicle use when they genuinely change.",[],{"type":70,"text":2046,"spans":2047,"direction":73},"·       Maintain the vehicle to reduce avoidable breakdown and accident risks.",[],{"type":70,"text":2049,"spans":2050,"direction":73},"·       Review cover annually instead of cancelling during short-term budget pressure.",[],{"type":70,"text":2052,"spans":2053,"direction":73},"Any saving depends on underwriting and policy terms. Ask for the revised schedule before accepting a change.",[],"article_content_text$4fda99d9-dae9-46c3-962a-eca17c1df131",{"variation":1511,"version":1512,"items":2056,"primary":2057,"id":2066,"slice_type":1520,"slice_label":9},[],{"heading":2058,"content":2059,"link_heading":1363},"Avoid false economies",[2060,2063],{"type":70,"text":2061,"spans":2062,"direction":73},"Do not understate mileage, change the regular driver inaccurately, omit business or e-hailing use, or choose an excess you could not pay. Avoid reducing to third-party-only cover without considering what it would cost to replace your own car.",[],{"type":70,"text":2064,"spans":2065,"direction":73},"If affordability is under pressure, speak to the insurer before cancelling. A structured review may identify a more suitable cover level or excess without leaving the car completely uninsured",[],"article_content_text$b283e1dc-22bb-4b68-b3d9-8a6aa95d3cbf",{"variation":1511,"version":1512,"items":2068,"primary":2069,"id":2074,"slice_type":1520,"slice_label":9},[],{"heading":1641,"content":2070,"link_heading":1363},[2071],{"type":70,"text":2072,"spans":2073,"direction":73},"The strongest premium reduction strategy is a transparent, line-by-line policy review. Protect catastrophic risks, remove genuine duplication, right-size optional benefits and choose an excess that works in real life not only on a quotation screen.",[],"article_content_text$e1d2cb0a-f50e-4868-8aca-b81c8a0c62c5",{"variation":1648,"version":1512,"items":2076,"primary":2077,"id":2110,"slice_type":1520,"slice_label":9},[],{"heading":1651,"content":2078,"sub_sections":2079,"link_heading":1363},[],[2080,2086,2092,2098,2104],{"subheading":2081,"list":2082,"link_subsection":1363},"Does increasing my excess reduce my premium?",[2083],{"type":70,"text":2084,"spans":2085,"direction":73},"It may, depending on the insurer and risk profile. The trade-off is a higher contribution after a claim.",[],{"subheading":2087,"list":2088,"link_subsection":1363},"Can working from home reduce car insurance costs?",[2089],{"type":70,"text":2090,"spans":2091,"direction":73},"Reduced use may affect risk, but it must be genuine and declared accurately. Ask the insurer to reassess the policy rather than assuming a discount.",[],{"subheading":2093,"list":2094,"link_subsection":1363},"Will a tracking device lower my premium?",[2095],{"type":70,"text":2096,"spans":2097,"direction":73},"It may affect pricing or be a cover requirement for some vehicles. Confirm approved-device and active-subscription requirements with the insurer.",[],{"subheading":2099,"list":2100,"link_subsection":1363},"Should I remove car hire to save money?",[2101],{"type":70,"text":2102,"spans":2103,"direction":73},"Only if you could manage transport while the car is being repaired or replaced. Compare the saving with the likely alternative transport cost.",[],{"subheading":2105,"list":2106,"link_subsection":1363},"Is cancelling insurance the fastest way to save?",[2107],{"type":70,"text":2108,"spans":2109,"direction":73},"It removes the premium but exposes you to potentially severe accident, theft and liability costs. Request a policy review before cancelling.",[],"article_content_text$7f046433-6b96-4cdb-b3e8-6beaaf25d3d5","How to Lower Your Car Insurance Premium in South Africa","Use these practical steps to reduce your car insurance premium without removing essential protection or creating expensive gaps in cover.","lower car insurance premiums",{},{"link_type":35},[2117],{"type":70,"text":1986,"spans":2118,"direction":73},[],{"id":2120,"type":1702,"tags":2121,"lang":16,"slug":631,"first_publication_date":2122,"last_publication_date":2123,"uid":2124,"link_type":393,"key":2125,"isBroken":395},"ZwYbiRAAACEAp-qZ",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block","280124b6-74db-451a-a082-bf6c5b570e9d",[],{"dimensions":2128,"alt":1975,"copyright":9,"url":1976,"id":1977,"edit":2129},{"width":1502,"height":1771},{"x":28,"y":28,"zoom":29,"background":30},{"id":2131,"uid":2132,"url":2133,"type":1469,"href":2134,"tags":2135,"first_publication_date":2136,"last_publication_date":2136,"slugs":2137,"linked_documents":2139,"lang":16,"alternate_languages":2140,"data":2141},"asdL_xIAAC0A1ta6","car-insurance-types-in-south-africa-compared","/blog/car-insurance-types-in-south-africa-compared","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=as4NRBUAACwAapYY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asdL_xIAAC0A1ta6%22%29+%5D%5D",[624,1493,958],"2026-10-08T08:13:41+0000",[2138],"how-to-choose-the-right-level-of-cover",[],[],{"date":1961,"heading":2142,"duration":9,"article_type":2143,"category":2146,"related_product":2150,"thumbnail":2153,"type":1508,"related_insurance":1979,"slices":2159,"meta_title":2142,"meta_description":2288,"meta_keywords":2155,"meta_image":2289,"canonical":2293,"intro":2294,"author":1699,"service_block":2298,"in_this_article":2301,"hero_image":2302},"Car Insurance Types in South Africa Compared",{"id":1338,"type":1339,"tags":2144,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":2145,"isBroken":395},[],"6c8d043a-3ef6-43ca-9678-36e952aee9b2",{"id":1484,"type":1485,"tags":2147,"lang":16,"slug":1377,"first_publication_date":1487,"last_publication_date":1487,"uid":1377,"url":1343,"data":2148,"link_type":393,"key":2149,"isBroken":395},[],{"name":680},"7b680ceb-4881-46b3-88d8-0ed5f169c2fe",{"id":626,"type":515,"tags":2151,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":2152,"isBroken":395},[519],"9d762204-2339-4f1e-b257-f65305ad2453",{"dimensions":2154,"alt":2155,"copyright":9,"url":2156,"id":2157,"edit":2158},{"width":1502,"height":1771},"types of car insurance","https://images.prismic.io/miway-website/gVxfhM3sGH-ofcPJ_Image2-1-.jpg?auto=format,compress","gVxfhM3sGH-ofcPJ",{"x":28,"y":28,"zoom":29,"background":30},[2160,2181,2193,2205,2235,2244,2252],{"variation":1511,"version":1512,"items":2161,"primary":2162,"id":2180,"slice_type":1520,"slice_label":9},[],{"heading":2163,"content":2164,"link_heading":1363},"What is comprehensive car insurance",[2165,2177],{"type":70,"text":2166,"spans":2167,"direction":73},"Comprehensive car insurance generally covers accidental loss of or damage to your own insured vehicle and liability for damage to another party’s property. Depending on the policy, insured events may include collisions, theft, hijacking, fire, hail, storm or flood. Limits, exclusions and excesses apply.",[2168,2173],{"start":2169,"end":2170,"type":216,"data":2171},14,27,{"link_type":78,"url":2172,"target":135},"https://www.miway.co.za/car-insurance",{"start":2174,"end":2175,"type":216,"data":2176},289,297,{"link_type":78,"url":1533,"target":135},{"type":70,"text":2178,"spans":2179,"direction":73},"It is often considered when a vehicle is financed, valuable, difficult to replace from savings, or used frequently. A finance agreement may require appropriate cover even though private car insurance is not generally compulsory under South African law.",[],"article_content_text$4c19a89e-cfec-48f5-8120-2452e7d99b82",{"variation":1511,"version":1512,"items":2182,"primary":2183,"id":2192,"slice_type":1520,"slice_label":9},[],{"heading":2184,"content":2185,"link_heading":1363},"What is third party fire and theft insurance",[2186,2189],{"type":70,"text":2187,"spans":2188,"direction":73},"Third-party, fire and theft insurance generally covers legal liability for damage to another person’s property and loss of or damage to the insured car from specified events such as fire, theft or hijacking. It normally does not cover accidental collision damage to your own vehicle.",[],{"type":70,"text":2190,"spans":2191,"direction":73},"This middle option may suit an unfinanced vehicle whose owner wants theft and fire protection but is willing and able to fund their own accident repairs.",[],"article_content_text$0cccd78c-cb01-4895-bff8-c90586727a84",{"variation":1511,"version":1512,"items":2194,"primary":2195,"id":2204,"slice_type":1520,"slice_label":9},[],{"heading":2196,"content":2197,"link_heading":1363},"What is third party only car insurance",[2198,2201],{"type":70,"text":2199,"spans":2200,"direction":73},"Third-party-only insurance generally covers legal liability if the insured driver damages another person’s vehicle or property. It does not usually pay to repair or replace the insured driver’s own vehicle after an accident, theft, fire or weather event.",[],{"type":70,"text":2202,"spans":2203,"direction":73},"It may have a lower premium, but the owner carries most of the risk to their own car. Even an older car can be costly to replace, so affordability should be tested against the potential loss not only the premium.",[],"article_content_text$d847018a-7f30-4b82-8a13-5d0922aab028",{"variation":1511,"version":1512,"items":2206,"primary":2207,"id":2234,"slice_type":1520,"slice_label":9},[],{"heading":2208,"content":2209,"link_heading":1363},"How to choose the right level of cover",[2210,2213,2216,2219,2222,2225,2228,2231],{"type":2211,"text":2208,"spans":2212,"direction":73},"heading2",[],{"type":70,"text":2214,"spans":2215,"direction":73},"·       Check whether a vehicle finance agreement specifies cover.",[],{"type":70,"text":2217,"spans":2218,"direction":73},"·       Estimate the cost of replacing the car without insurance.",[],{"type":70,"text":2220,"spans":2221,"direction":73},"·       Consider theft, hijacking, weather and accident exposure.",[],{"type":70,"text":2223,"spans":2224,"direction":73},"·       Compare the premium with all applicable excesses.",[],{"type":70,"text":2226,"spans":2227,"direction":73},"·       Review third-party liability limits and exclusions.",[],{"type":70,"text":2229,"spans":2230,"direction":73},"·       Confirm who may drive the vehicle and how it may be used.",[],{"type":70,"text":2232,"spans":2233,"direction":73},"Use the current policy schedule and wording as the final source of truth. Product names can look similar while benefits and conditions differ between insurers.",[],"article_content_text$f289f726-f701-4771-8def-65abb6e0cc6c",{"variation":1511,"version":1512,"items":2236,"primary":2237,"id":2243,"slice_type":1520,"slice_label":9},[],{"heading":2238,"content":2239,"link_heading":1363},"A practical example",[2240],{"type":70,"text":2241,"spans":2242,"direction":73},"If you cause a collision that damages your own car and another vehicle, comprehensive cover may respond to both losses, subject to the policy. Third-party, fire and theft or third-party-only cover may respond to the other vehicle’s damage but not your own collision damage. The precise outcome depends on liability, terms, excesses and exclusions.",[],"article_content_text$e8cfca3a-994c-4eb1-9fbb-045469054dbe",{"variation":1511,"version":1512,"items":2245,"primary":2246,"id":2251,"slice_type":1520,"slice_label":9},[],{"heading":1641,"content":2247,"link_heading":1363},[2248],{"type":70,"text":2249,"spans":2250,"direction":73},"Choose comprehensive cover when broad protection for your own car and third-party liability matters. Consider third-party, fire and theft when specified risks to your car still matter but you accept your own accident-repair risk. Choose third-party only only after understanding how much risk remains uninsured.",[],"article_content_text$9a687379-249b-4674-9b49-e4e933ce589a",{"variation":1648,"version":1512,"items":2253,"primary":2254,"id":2287,"slice_type":1520,"slice_label":9},[],{"heading":1651,"content":2255,"sub_sections":2256,"link_heading":1363},[],[2257,2263,2269,2275,2281],{"subheading":2258,"list":2259,"link_subsection":1363},"What is the broadest type of car insurance?",[2260],{"type":70,"text":2261,"spans":2262,"direction":73},"Comprehensive car insurance is generally the broadest option because it can protect the insured vehicle and cover third-party property liability, subject to the policy.",[],{"subheading":2264,"list":2265,"link_subsection":1363},"Does third-party insurance cover my own car?",[2266],{"type":70,"text":2267,"spans":2268,"direction":73},"Third-party-only cover generally does not cover damage to your own car. It mainly covers legal liability for damage to another party’s property.",[],{"subheading":2270,"list":2271,"link_subsection":1363},"Does third-party fire and theft cover accident damage?",[2272],{"type":70,"text":2273,"spans":2274,"direction":73},"It generally does not cover collision damage to your own car, although it may cover third-party liability and specified fire, theft or hijacking losses.",[],{"subheading":2276,"list":2277,"link_subsection":1363},"Do financed cars need comprehensive insurance?",[2278],{"type":70,"text":2279,"spans":2280,"direction":73},"The finance agreement commonly requires suitable cover. Check the contract and confirm the requirement with the finance provider.",[],{"subheading":2282,"list":2283,"link_subsection":1363},"Can I change my car insurance cover later?",[2284],{"type":70,"text":2285,"spans":2286,"direction":73},"Insurers may allow changes after reassessing the risk. Confirm the effective date, revised premium, excesses and any new conditions before relying on the change.",[],"article_content_text$e8b41283-792a-4dd8-95f9-03bcc3b41afe","Compare comprehensive, third-party fire and theft, and third-party-only car insurance in South Africa, including what each option generally covers.",{"dimensions":2290,"alt":2155,"copyright":9,"url":2291,"id":2157,"edit":2292},{"width":1690,"height":1691},"https://images.prismic.io/miway-website/gVxfhM3sGH-ofcPJ_Image2-1-.jpg?auto=format,compress&rect=501,0,1160,609&w=2400&h=1260",{"x":1934,"y":28,"zoom":29,"background":30},{"link_type":35},[2295],{"type":70,"text":2296,"spans":2297,"direction":73},"The main difference between car insurance types is whose loss is protected and which events are insured. Comprehensive insurance generally offers the broadest protection. Third-party, fire and theft adds specified protection for your car, while third-party only mainly protects against liability for damage to someone else’s property.",[],{"id":2120,"type":1702,"tags":2299,"lang":16,"slug":631,"first_publication_date":2122,"last_publication_date":2123,"uid":2124,"link_type":393,"key":2300,"isBroken":395},[],"7edcad41-80a6-4a5d-a1ad-ca756b5b1fd2",[],{"dimensions":2303,"alt":2155,"copyright":9,"url":2156,"id":2157,"edit":2304},{"width":1502,"height":1771},{"x":28,"y":28,"zoom":29,"background":30},{"id":2306,"uid":2307,"url":2308,"type":1469,"href":2309,"tags":2310,"first_publication_date":2311,"last_publication_date":2311,"slugs":2312,"linked_documents":2314,"lang":16,"alternate_languages":2315,"data":2316},"asdlxRIAACoA1wj-","what-does-home-contents-insurance-cover-in-south-africa","/blog/what-does-home-contents-insurance-cover-in-south-africa","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=as4NRBUAACwAapYY&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asdlxRIAACoA1wj-%22%29+%5D%5D",[760,958,1493],"2026-10-08T10:05:13+0000",[2313],"2026-10-08t0700000000",[],[],{"date":2317,"heading":2318,"duration":9,"article_type":2319,"category":2322,"related_product":2326,"thumbnail":2329,"type":9,"related_insurance":9,"slices":2335,"meta_title":2451,"meta_description":2452,"meta_keywords":2453,"meta_image":2454,"canonical":2458,"intro":2459,"author":1699,"service_block":2462,"in_this_article":2465,"hero_image":2466},"2026-10-08T07:00:00+0000","What does home contents insurance cover in South Africa",{"id":1366,"type":1339,"tags":2320,"lang":16,"slug":1368,"first_publication_date":1369,"last_publication_date":1369,"uid":1368,"url":1343,"link_type":393,"key":2321,"isBroken":395},[],"500b4cfd-8a68-4d78-aa3e-899d1e34b01b",{"id":1484,"type":1485,"tags":2323,"lang":16,"slug":1377,"first_publication_date":1487,"last_publication_date":1487,"uid":1377,"url":1343,"data":2324,"link_type":393,"key":2325,"isBroken":395},[],{"name":680},"5d22183e-deb8-4006-8654-b46a58449c86",{"id":771,"type":515,"tags":2327,"lang":16,"slug":773,"first_publication_date":774,"last_publication_date":775,"uid":776,"url":777,"link_type":393,"key":2328,"isBroken":395},[517,688,519],"14b25011-ca1a-453a-b8f5-dc771a37f813",{"dimensions":2330,"alt":2331,"copyright":9,"url":2332,"id":2333,"edit":2334},{"width":1502,"height":1771},"Home contents insurance","https://images.prismic.io/miway-website/8EzqSoUVhgG-oPvJ_Image8-1-.jpg?auto=format,compress","8EzqSoUVhgG-oPvJ",{"x":28,"y":28,"zoom":29,"background":30},[2336,2344,2360,2372,2402,2414,2443],{"variation":1511,"version":1512,"items":2337,"primary":2338,"id":2343,"slice_type":1520,"slice_label":9},[],{"heading":9,"content":2339,"link_heading":1363},[2340],{"type":70,"text":2341,"spans":2342,"direction":73},"Home contents insurance generally protects eligible movable belongings kept at the insured home against specified events such as theft, fire, storm or water damage. Exact cover varies by policy, so the schedule and wording determine which belongings, events, limits, security conditions and excesses apply.",[],"article_content_text$f316232e-b016-4cba-8768-ccc84c990e45",{"variation":1511,"version":1512,"items":2345,"primary":2346,"id":2359,"slice_type":1520,"slice_label":9},[],{"heading":2347,"content":2348,"link_heading":1363},"What counts as home contents",[2349,2356],{"type":70,"text":2350,"spans":2351,"direction":73},"Home contents are generally the movable possessions you would take with you if you moved home. They can include furniture, appliances, clothing, electronics, kitchenware, linen, décor and other eligible household belongings.",[2352],{"start":705,"end":2353,"type":216,"data":2354},51,{"link_type":78,"url":2355,"target":135},"https://www.miway.co.za/all-risk-insurance",{"type":70,"text":2357,"spans":2358,"direction":73},"Permanent structures and fixtures such as the roof, walls and fitted installations usually fall under buildings insurance rather than contents insurance. Tenants commonly insure their belongings, while property owners may need both buildings and contents cover.",[],"article_content_text$5e58f4d9-76cb-4c11-a67c-4f11b6e4037a",{"variation":1511,"version":1512,"items":2361,"primary":2362,"id":2371,"slice_type":1520,"slice_label":9},[],{"heading":2363,"content":2364,"link_heading":1363},"Which events may be covered",[2365,2368],{"type":70,"text":2366,"spans":2367,"direction":73},"Depending on the selected cover and wording, insured events may include theft or attempted theft, fire, lightning, explosion, storm, hail, flood, burst pipes or other sudden water damage. Some policies also provide limited alternative accommodation or household emergency assistance.",[],{"type":70,"text":2369,"spans":2370,"direction":73},"Cover is not unlimited. Security requirements, proof of forcible entry, maintenance obligations, item limits, exclusions and excesses may affect a claim.",[],"article_content_text$5527f76a-632a-488f-86b4-9856196a7691",{"variation":1511,"version":1512,"items":2373,"primary":2374,"id":2401,"slice_type":1520,"slice_label":9},[],{"heading":2375,"content":2376,"link_heading":1363},"What may not be covered",[2377,2380,2383,2386,2389,2392,2395,2398],{"type":70,"text":2378,"spans":2379,"direction":73},"·       Gradual deterioration, rust, wear and tear",[],{"type":70,"text":2381,"spans":2382,"direction":73},"·       Poor maintenance or preventable damage",[],{"type":70,"text":2384,"spans":2385,"direction":73},"·       Pest or vermin damage",[],{"type":70,"text":2387,"spans":2388,"direction":73},"·       Unexplained disappearance",[],{"type":70,"text":2390,"spans":2391,"direction":73},"·       Business stock or equipment not declared for suitable cover",[],{"type":70,"text":2393,"spans":2394,"direction":73},"·       Portable possessions lost or damaged away from home without relevant cover",[],{"type":70,"text":2396,"spans":2397,"direction":73},"·       Losses exceeding single-item or category limits",[],{"type":70,"text":2399,"spans":2400,"direction":73},"This list is general, not exhaustive. Read the specific policy wording and schedule before relying on cover.",[],"article_content_text$d1b7e083-20f1-47c5-90cb-10d1d433d8c0",{"variation":1511,"version":1512,"items":2403,"primary":2404,"id":2413,"slice_type":1520,"slice_label":9},[],{"heading":2405,"content":2406,"link_heading":1363},"Home contents vs buildings vs portable possessions cover",[2407,2410],{"type":70,"text":2408,"spans":2409,"direction":73},"Buildings insurance protects the physical structure and permanent fixtures. Home contents insurance protects eligible movable belongings at the insured residence. Portable possessions or all-risk cover is intended for selected items that regularly leave the home, such as a phone, laptop, camera, watch or jewellery.",[],{"type":70,"text":2411,"spans":2412,"direction":73},"These covers solve different problems. A complete household review should identify what is fixed, what stays at home and what travels with household members.",[],"article_content_text$902c9308-3f13-4281-8d3f-d7ddceafe71d",{"variation":1511,"version":1512,"items":2415,"primary":2416,"id":2442,"slice_type":1520,"slice_label":9},[],{"heading":2417,"content":2418,"link_heading":1363},"How to make the cover work properly",[2419,2422,2425,2428,2431,2434,2437],{"type":70,"text":2420,"spans":2421,"direction":73},"·       Insure all contents at current replacement value.",[],{"type":70,"text":2423,"spans":2424,"direction":73},"·       Disclose the correct address, occupancy and security information.",[],{"type":70,"text":2426,"spans":2427,"direction":73},"·       Specify high-value items where required.",[],{"type":70,"text":2429,"spans":2430,"direction":73},"·       Add suitable cover for portable possessions taken outside.",[],{"type":70,"text":2432,"spans":2433,"direction":73},"·       Keep receipts, photos, serial numbers and valuations.",[],{"type":70,"text":2435,"spans":2436,"direction":73},"·       Report material changes and review cover each year.",[],{"type":70,"text":2438,"spans":2439,"direction":73},"Miway’s home insurance page explains its current household cover options. Benefits remain subject to the final quote, policy schedule and wording.",[2440],{"start":1633,"end":1875,"type":216,"data":2441},{"link_type":78,"url":1538,"target":135},"article_content_text$1708bee5-5b0f-4eef-ab8d-813b5ee20a8f",{"variation":1511,"version":1512,"items":2444,"primary":2445,"id":2450,"slice_type":1520,"slice_label":9},[],{"heading":1641,"content":2446,"link_heading":1363},[2447],{"type":70,"text":2448,"spans":2449,"direction":73},"Home contents insurance is designed to help replace or repair insured belongings after specified events not every type of loss. Accurate valuations, correct disclosures and an understanding of limits and exclusions are essential to avoiding surprises at claim stage.",[],"article_content_text$8eb41181-2d04-42f8-9b47-9f0873971f35","What Home Contents Insurance Covers in South Africa","Learn what home contents insurance generally covers in South Africa, what may be excluded and how it differs from buildings and portable possessions cover.","home insurance",{"dimensions":2455,"alt":2331,"copyright":9,"url":2456,"id":2333,"edit":2457},{"width":1690,"height":1691},"https://images.prismic.io/miway-website/8EzqSoUVhgG-oPvJ_Image8-1-.jpg?auto=format,compress&rect=501,0,1160,609&w=2400&h=1260",{"x":1934,"y":28,"zoom":29,"background":30},{"link_type":35},[2460],{"type":70,"text":2452,"spans":2461,"direction":73},[],{"id":1940,"type":1702,"tags":2463,"lang":16,"slug":776,"first_publication_date":1942,"last_publication_date":1943,"uid":776,"link_type":393,"key":2464,"isBroken":395},[760,688],"1238a592-08a9-415d-a7fc-d289528f4655",[],{"dimensions":2467,"alt":2331,"copyright":9,"url":2332,"id":2333,"edit":2468},{"width":1502,"height":1771},{"x":28,"y":28,"zoom":29,"background":30},1791901578665]