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Africa",{"id":1338,"type":1339,"tags":1482,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":1483,"isBroken":395},[],"01efeb84-6c6c-4c54-9adc-0f78a2a53b30",{"id":1485,"type":1486,"tags":1487,"lang":16,"slug":1377,"first_publication_date":1488,"last_publication_date":1488,"uid":1377,"url":1343,"link_type":393,"key":1489,"isBroken":395},"ZvZ4hRAAACIAEukQ","article_category",[],"2024-09-27T09:19:03+0000","007a8f90-6a40-4e5d-8e2b-982a2da519cd",{"id":626,"type":515,"tags":1491,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":1492,"isBroken":395},[519],"5e692d6c-96c9-41b8-bd03-9a196acdab16",{"dimensions":1494,"alt":1497,"copyright":9,"url":1498,"id":1499,"edit":1500},{"width":1495,"height":1496},2161,585,"Tyre and rim Insurance","https://images.prismic.io/miway-website/0uBOSO1RJgHpSPzV_Tyre.jpg?auto=format,compress","0uBOSO1RJgHpSPzV",{"x":28,"y":28,"zoom":29,"background":30},"Article","Car",[1504,1515,1532,1544,1556,1580,1592,1604,1639,1648],{"variation":1505,"version":1506,"items":1507,"primary":1508,"id":1513,"slice_type":1514,"slice_label":9},"default","initial",[],{"heading":9,"content":1509,"link_heading":1363},[1510],{"type":70,"text":1511,"spans":1512,"direction":73},"Tyre and rim insurance may be worth considering if you regularly drive on pothole-prone roads and could not comfortably absorb an unexpected tyre or wheel repair. The decision depends on the policy’s definition of covered damage, annual limit, excess, exclusions and total premium. Never assume every pothole incident is covered; confirm the wording before buying or claiming.",[],"article_content_text$08345f46-119e-443e-af24-e34091e676a5","article_content_text",{"variation":1505,"version":1506,"items":1516,"primary":1517,"id":1531,"slice_type":1514,"slice_label":9},[],{"heading":1518,"content":1519,"link_heading":1363},"What is tyre and rim insurance",[1520,1528],{"type":70,"text":1521,"spans":1522,"direction":73},"Tyre and rim insurance is specialised motor cover for certain accidental or day-to-day damage to a vehicle’s tyres, rims, alloy wheels or hubs. It is narrower than comprehensive car insurance and is designed for relatively limited wheel-related repair costs rather than major vehicle losses.",[1523],{"start":1524,"end":1525,"type":216,"data":1526},164,191,{"link_type":78,"url":1527,"target":135},"https://www.miway.co.za/car-insurance",{"type":70,"text":1529,"spans":1530,"direction":73},"Miway’s Tyre and Rim cover currently describes protection for day-to-day tyre damage and scratches to rims or alloy wheels. The product page lists a fixed monthly premium, an excess and an annual repair limit, but the coversheet and policy wording determine the cover that applies to an individual policy.",[],"article_content_text$0e847dbc-0929-42fb-8a24-13d5e41b0692",{"variation":1505,"version":1506,"items":1533,"primary":1534,"id":1543,"slice_type":1514,"slice_label":9},[],{"heading":1535,"content":1536,"link_heading":1363},"Does tyre and rim insurance cover pothole damage",[1537,1540],{"type":70,"text":1538,"spans":1539,"direction":73},"It can, but only when the event and resulting damage fall within the policy definition. Some products cover buckled or cracked rims and tyre damage caused by road hazards, while others distinguish day-to-day motoring damage from a collision or other accident. That distinction can change which policy section, if any, responds.",[],{"type":70,"text":1541,"spans":1542,"direction":73},"After a pothole impact, stop safely and inspect the vehicle. Photograph the pothole, road, tyre and wheel; note the location and time; and contact the insurer before authorising repairs. Miway advises customers not to proceed with covered repairs before receiving approval.",[],"article_content_text$923e6173-00b2-4142-9138-ca90d400016e",{"variation":1505,"version":1506,"items":1545,"primary":1546,"id":1555,"slice_type":1514,"slice_label":9},[],{"heading":1547,"content":1548,"link_heading":1363},"How potholes damage tyres rims and other components",[1549,1552],{"type":70,"text":1550,"spans":1551,"direction":73},"A pothole impact can pinch or cut a tyre, bend or crack a rim, disturb wheel alignment and place strain on suspension or steering components. Some damage is immediately visible, while a slow leak, vibration, pulling sensation or uneven tyre wear may appear later.",[],{"type":70,"text":1553,"spans":1554,"direction":73},"Tyre and rim cover is normally limited to the components named in the policy. Alignment, suspension, bodywork and other consequential damage may require comprehensive car insurance or may be excluded, depending on the circumstances and wording.",[],"article_content_text$ca452be5-f2f4-4cdd-b1a2-bbfadbbdd3af",{"variation":1505,"version":1506,"items":1557,"primary":1558,"id":1579,"slice_type":1514,"slice_label":9},[],{"heading":1559,"content":1560,"link_heading":1363},"When tyre and rim cover may be worth it",[1561,1564,1567,1570,1573,1576],{"type":70,"text":1562,"spans":1563,"direction":73},"•  You regularly travel on poorly maintained or unfamiliar roads.",[],{"type":70,"text":1565,"spans":1566,"direction":73},"•  Your vehicle has low-profile tyres or costly alloy wheels.",[],{"type":70,"text":1568,"spans":1569,"direction":73},"•  One unexpected repair would disrupt your monthly budget.",[],{"type":70,"text":1571,"spans":1572,"direction":73},"•  The annual benefit limit is meaningful relative to likely repair costs.",[],{"type":70,"text":1574,"spans":1575,"direction":73},"•  The premium and excess are affordable and the exclusions are clear.",[],{"type":70,"text":1577,"spans":1578,"direction":73},"The cover may provide useful budget certainty for drivers with higher exposure. It is less compelling when the likely repair cost is modest, the annual limit is low relative to the premium, or the damage you are most concerned about is excluded.",[],"article_content_text$2bda9840-f3c0-4cc4-bdf6-c9c1f370dee0",{"variation":1505,"version":1506,"items":1581,"primary":1582,"id":1591,"slice_type":1514,"slice_label":9},[],{"heading":1583,"content":1584,"link_heading":1363},"How to decide whether the cover offers value",[1585,1588],{"type":70,"text":1586,"spans":1587,"direction":73},"Calculate the annual premium, then add the excess that would apply to a claim. Compare that combined cost with the replacement or repair price of your tyres and wheels, the policy’s annual limit and the probability of claiming. The comparison should use quotations for your actual tyre size and rim type.",[],{"type":70,"text":1589,"spans":1590,"direction":73},"For example, a driver who uses expensive low-profile tyres on pothole-prone routes may value predictable repair support. A driver with inexpensive tyres, low annual mileage and emergency savings may prefer to carry the risk. Neither choice is automatically correct.",[],"article_content_text$09851e80-d53d-44bc-ade9-0ee63526a66b",{"variation":1505,"version":1506,"items":1593,"primary":1594,"id":1603,"slice_type":1514,"slice_label":9},[],{"heading":1595,"content":1596,"link_heading":1363},"Tyre and rim cover compared with comprehensive car insurance",[1597,1600],{"type":70,"text":1598,"spans":1599,"direction":73},"Comprehensive car insurance generally protects the insured vehicle against broader events such as collision damage, theft, hijacking, fire and specified weather events, together with third-party liability, subject to the policy. Tyre and rim insurance focuses on named wheel-related damage and usually has a much lower benefit limit.",[],{"type":70,"text":1601,"spans":1602,"direction":73},"The covers can complement each other, but one does not automatically replace the other. A severe pothole incident involving a tyre, wheel, suspension and body damage may be assessed differently from a minor damaged rim. Ask the insurer which section applies before lodging or repairing.",[],"article_content_text$7eadebec-6384-42e0-a7a3-fbfeba3ffc9d",{"variation":1505,"version":1506,"items":1605,"primary":1606,"id":1638,"slice_type":1514,"slice_label":9},[],{"heading":1607,"content":1608,"link_heading":1363},"What to check before buying tyre and rim cover",[1609,1612,1615,1618,1621,1624,1627,1630],{"type":70,"text":1610,"spans":1611,"direction":73},"•  The exact definition of covered tyre and rim damage.",[],{"type":70,"text":1613,"spans":1614,"direction":73},"•  Whether potholes and other road hazards are specifically included.",[],{"type":70,"text":1616,"spans":1617,"direction":73},"•  Exclusions for collisions, wear and tear, pre-existing damage or illegal tyres.",[],{"type":70,"text":1619,"spans":1620,"direction":73},"•  The excess per claim and the maximum annual claim amount.",[],{"type":70,"text":1622,"spans":1623,"direction":73},"•  Whether replacement is based on repairability, age, tread or betterment.",[],{"type":70,"text":1625,"spans":1626,"direction":73},"•  Approved repairer and pre-authorisation requirements.",[],{"type":70,"text":1628,"spans":1629,"direction":73},"•  Whether other components such as alignment or suspension are excluded.",[],{"type":70,"text":1631,"spans":1632,"direction":73},"Use the current Miway Tyre and Rim page for a product overview and the policy wording for the binding detail. If broader vehicle damage is possible, review comprehensive car insurance as well.",[1633],{"start":1634,"end":1635,"type":216,"data":1636},16,34,{"link_type":78,"url":1637,"target":135},"https://www.miway.co.za/tyre-and-rim-cover","article_content_text$8b17bedb-cb4f-4a2d-97c2-450b71b4df45",{"variation":1505,"version":1506,"items":1640,"primary":1641,"id":1647,"slice_type":1514,"slice_label":9},[],{"heading":1642,"content":1643,"link_heading":1363},"The bottom line",[1644],{"type":70,"text":1645,"spans":1646,"direction":73},"Tyre and rim insurance can be worthwhile for South African motorists with meaningful pothole exposure and wheels that are expensive to repair. Its value depends on the detail, not the product name. Compare the annual cost, excess and limit, and confirm exactly how pothole-related damage is classified.",[],"article_content_text$f52284fa-4d39-4619-8b65-ba1592fe6d47",{"variation":1649,"version":1506,"items":1650,"primary":1651,"id":1685,"slice_type":1514,"slice_label":9},"subheadingBulletLists",[],{"heading":1652,"content":1653,"sub_sections":1654,"link_heading":1363},"Frequently asked questions",[],[1655,1661,1667,1673,1679],{"subheading":1656,"list":1657,"link_subsection":1363},"Does tyre and rim insurance always cover pothole damage?",[1658],{"type":70,"text":1659,"spans":1660,"direction":73},"No. Cover depends on the product definition, cause of damage, exclusions and policy wording. Confirm that pothole or road-hazard damage is included before relying on the policy.",[],{"subheading":1662,"list":1663,"link_subsection":1363},"Does comprehensive car insurance cover pothole damage?",[1664],{"type":70,"text":1665,"spans":1666,"direction":73},"It may cover qualifying accidental damage, but tyre-only damage, wear and tear and policy-specific exclusions can affect the claim. Ask the insurer which section applies.",[],{"subheading":1668,"list":1669,"link_subsection":1363},"Can I repair the tyre before claiming?",[1670],{"type":70,"text":1671,"spans":1672,"direction":73},"Contact the insurer first unless an emergency makes this impossible. Unauthorised repairs may affect a claim, and the insurer may require an approved repairer or assessment.",[],{"subheading":1674,"list":1675,"link_subsection":1363},"What evidence should I collect after hitting a pothole?",[1676],{"type":70,"text":1677,"spans":1678,"direction":73},"Take clear photographs, record the location and time, note warning signs and keep towing or inspection records. Report the incident promptly and follow the insurer’s instructions.",[],{"subheading":1680,"list":1681,"link_subsection":1363},"How do I know whether tyre and rim cover is worth the cost?",[1682],{"type":70,"text":1683,"spans":1684,"direction":73},"Compare the annual premium plus excess with likely repair costs and the annual benefit limit. Also consider your routes, wheel type, savings and exclusions.",[],"article_content_text$1c825076-0173-49c5-9b68-24a1d6e9e05c","Tyre and Rim Insurance Worth It for Potholes? | Miway Insurance","Learn when tyre and rim insurance may be worth it for South African pothole damage, what to check in the car insurance policy. Only at Miway Insurance","Tyre and Rim Insuranc",{"dimensions":1690,"alt":1497,"copyright":9,"url":1693,"id":1499,"edit":1694},{"width":1691,"height":1692},2400,1260,"https://images.prismic.io/miway-website/0uBOSO1RJgHpSPzV_Tyre.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":1695,"y":28,"zoom":29,"background":30},523,{"link_type":35},[1698],{"type":70,"text":1699,"spans":1700,"direction":73},"Is tyre and rim insurance worth it for potholes?",[],"Miway",{"id":1703,"type":1704,"tags":1705,"lang":16,"slug":631,"first_publication_date":1706,"last_publication_date":1707,"uid":1708,"data":1709,"link_type":393,"key":1747,"isBroken":395},"ZwYbiRAAACEAp-qZ","service_block",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block",{"description":1710,"cta_text":1316,"cta_link_href":1718,"buttons":1721,"pictogram":1734,"title":706},[1711],{"type":70,"text":1712,"spans":1713,"direction":73},"A way to protect your car and pay less for your cover. Just what you want!",[1714],{"start":1715,"end":1716,"type":1717},26,29,"em",{"id":626,"type":515,"tags":1719,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":1720,"isBroken":395},[519],"df3f5962-daae-4e19-ac70-ef188b87fd0c",[1722,1728],{"button_text":1723,"button_link":1724,"button_colour":1727,"button_variant":1505,"functionality":1723},"Call me back",{"link_type":78,"key":1725,"url":1726},"60025c2d-f431-4863-a505-be4c3df58a8a","#button","white",{"button_text":1729,"button_link":1730,"button_colour":1727,"button_variant":1733,"functionality":1729},"Get my quote",{"link_type":78,"key":1731,"url":1732},"ab10dc5c-9813-4473-b782-486b1325356f","#quote","outline",{"dimensions":1735,"alt":9,"copyright":9,"url":1738,"id":1739,"edit":1740,"mobile":1741},{"width":1736,"height":1737},338,361,"https://images.prismic.io/miway-website/ZzsD0q8jQArT09aX_Type%3DCar2.webp?auto=format,compress&rect=0,0,154,164&w=338&h=361","ZzsD0q8jQArT09aX",{"x":28,"y":28,"zoom":29,"background":30},{"dimensions":1742,"alt":9,"copyright":9,"url":1745,"id":1739,"edit":1746},{"width":1743,"height":1744},200,212,"https://images.prismic.io/miway-website/ZzsD0q8jQArT09aX_Type%3DCar2.webp?auto=format,compress&rect=0,0,154,163&w=200&h=212",{"x":28,"y":28,"zoom":29,"background":30},"8e4095e2-ffde-4c51-87ed-92f6fcc87855",[],{"dimensions":1750,"alt":1497,"copyright":9,"url":1498,"id":1499,"edit":1751},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},[1753,1978,2206,2409],{"id":1754,"uid":1755,"url":1756,"type":1469,"href":1757,"tags":1758,"first_publication_date":1759,"last_publication_date":1759,"slugs":1760,"linked_documents":1762,"lang":16,"alternate_languages":1763,"data":1764},"as_othUAAC8Abbck","what-is-the-difference-between-scratch-and-dent-cover-and-comprehensive-car-insurance","/blog/what-is-the-difference-between-scratch-and-dent-cover-and-comprehensive-car-insurance","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=atCEsxUAADIAbqHl&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22as_othUAAC8Abbck%22%29+%5D%5D",[495,517,1472],"2026-10-15T06:58:16+0000",[1761],"2026-10-15t2100000000",[],[],{"date":1765,"heading":1766,"duration":9,"article_type":1767,"category":1770,"related_product":1774,"thumbnail":1777,"type":1501,"related_insurance":1502,"slices":1783,"meta_title":1959,"meta_description":1960,"meta_keywords":1961,"meta_image":1962,"canonical":1966,"intro":1967,"author":1701,"service_block":1971,"in_this_article":1974,"hero_image":1975},"2026-10-15T21:00:00+0000","What is the difference between scratch and dent cover and comprehensive car insurance",{"id":1338,"type":1339,"tags":1768,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":1769,"isBroken":395},[],"0051f76c-1be7-4afb-ac97-c09dd9ad9e6b",{"id":1485,"type":1486,"tags":1771,"lang":16,"slug":1377,"first_publication_date":1488,"last_publication_date":1488,"uid":1377,"url":1343,"data":1772,"link_type":393,"key":1773,"isBroken":395},[],{"name":680},"d61abdb3-4cbe-46e0-a204-ce1287837e6e",{"id":626,"type":515,"tags":1775,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":1776,"isBroken":395},[519],"a654a79f-02ef-44fe-aa24-1dd3c85806b3",{"dimensions":1778,"alt":1779,"copyright":9,"url":1780,"id":1781,"edit":1782},{"width":1495,"height":1496},"Scratch and dent cover ","https://images.prismic.io/miway-website/whPs9N-YPK7KKA8p_Scratchanddent.jpg?auto=format,compress","whPs9N-YPK7KKA8p",{"x":28,"y":28,"zoom":29,"background":30},[1784,1796,1808,1823,1835,1862,1879,1891,1915,1923],{"variation":1505,"version":1506,"items":1785,"primary":1786,"id":1795,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":1787,"link_heading":1363},[1788],{"type":70,"text":1789,"spans":1790,"direction":73},"Scratch and dent cover is limited protection for minor cosmetic vehicle damage, while comprehensive car insurance covers a much broader range of insured risks, including major accidental damage, theft, hijacking, fire, weather events and third-party liability. Scratch and dent cover can complement comprehensive insurance, but it is not a substitute for it.",[1791],{"start":28,"end":1792,"type":216,"data":1793},22,{"link_type":78,"url":1794,"target":135},"https://www.miway.co.za/chips-scratch-and-dent","article_content_text$f531008f-0dd6-4a63-824c-51e08700a8ff",{"variation":1505,"version":1506,"items":1797,"primary":1798,"id":1807,"slice_type":1514,"slice_label":9},[],{"heading":1799,"content":1800,"link_heading":1363},"What is scratch and dent cover",[1801,1804],{"type":70,"text":1802,"spans":1803,"direction":73},"Scratch and dent cover is designed for small, repairable damage caused by everyday motoring. Depending on the product, it may include light scratches, minor dents, paint chips, scuffed bumpers or windscreen chips, subject to size, location, repair method and claim limits.",[],{"type":70,"text":1805,"spans":1806,"direction":73},"Miway’s Scratch and Dent cover currently describes protection for paint and windscreen chips, minor scuffs, dents and scratches. Customers should check the policy wording for eligible panels, damage measurements, excesses, repair limits and exclusions.",[],"article_content_text$9992bb3d-ff43-43d2-91ec-234971053b72",{"variation":1505,"version":1506,"items":1809,"primary":1810,"id":1822,"slice_type":1514,"slice_label":9},[],{"heading":1811,"content":1812,"link_heading":1363},"What is comprehensive car insurance",[1813,1819],{"type":70,"text":1814,"spans":1815,"direction":73},"Comprehensive car insurance is broad motor cover for accidental loss of or damage to the insured vehicle and liability for damage to another party’s property. Depending on the policy, insured events may include collisions, theft, hijacking, fire, hail, storms and floods.",[1816],{"start":28,"end":1817,"type":216,"data":1818},27,{"link_type":78,"url":1527,"target":135},{"type":70,"text":1820,"spans":1821,"direction":73},"Comprehensive does not mean every possible event is automatically covered. Excesses, exclusions, security conditions, driver details, vehicle use and policy limits still apply. The schedule and wording remain the final source of cover.",[],"article_content_text$8b756f17-ef7d-4d37-9a80-0a2635c96d39",{"variation":1505,"version":1506,"items":1824,"primary":1825,"id":1834,"slice_type":1514,"slice_label":9},[],{"heading":1826,"content":1827,"link_heading":1363},"What is the main difference",[1828,1831],{"type":70,"text":1829,"spans":1830,"direction":73},"The main difference is the scale and type of risk. Scratch and dent cover deals with defined cosmetic damage that can usually be repaired without major panel replacement. Comprehensive insurance responds to broader, potentially severe financial losses involving the vehicle or third parties.",[],{"type":70,"text":1832,"spans":1833,"direction":73},"A shallow parking dent may fit a scratch and dent policy. Damage from a collision that affects several panels, lights or structural components is more likely to fall under comprehensive cover, if the event is insured. The insurer determines the applicable section after assessment.",[],"article_content_text$d9a85b7a-0ed2-493c-91b0-735348c39c4d",{"variation":1505,"version":1506,"items":1836,"primary":1837,"id":1861,"slice_type":1514,"slice_label":9},[],{"heading":1838,"content":1839,"link_heading":1363},"What scratch and dent cover usually does not replace",[1840,1843,1846,1849,1852,1855,1858],{"type":70,"text":1841,"spans":1842,"direction":73},"•  Cover for theft or hijacking.",[],{"type":70,"text":1844,"spans":1845,"direction":73},"•  Major collision or structural damage.",[],{"type":70,"text":1847,"spans":1848,"direction":73},"•  Fire, hail, flood or other insured weather losses.",[],{"type":70,"text":1850,"spans":1851,"direction":73},"•  Third-party property damage liability.",[],{"type":70,"text":1853,"spans":1854,"direction":73},"•  Mechanical breakdown, maintenance or wear and tear.",[],{"type":70,"text":1856,"spans":1857,"direction":73},"•  Damage outside the product’s size, panel or repair limits.",[],{"type":70,"text":1859,"spans":1860,"direction":73},"Because these exposures can be financially significant, a low-cost cosmetic policy should not be treated as full vehicle insurance.",[],"article_content_text$d01530c8-4972-4b63-ab4a-245aebba31ca",{"variation":1505,"version":1506,"items":1863,"primary":1864,"id":1878,"slice_type":1514,"slice_label":9},[],{"heading":1865,"content":1866,"link_heading":1363},"Why drivers may choose both types of cover",[1867,1870],{"type":70,"text":1868,"spans":1869,"direction":73},"Comprehensive policyholders may hesitate to claim for a small scratch because the comprehensive excess could exceed the repair cost or the claim could affect their claims history or rewards. A separate scratch and dent product can provide a defined route for eligible minor repairs.",[],{"type":70,"text":1871,"spans":1872,"direction":73},"Using both types of cover can therefore separate frequent cosmetic damage from less frequent but serious risks. Miway also offers MiMotor Combo, which bundles Scratch and Dent with Tyre and Rim cover for customers who want both forms of day-to-day protection.",[1873],{"start":1874,"end":1875,"type":216,"data":1876},130,143,{"link_type":78,"url":1877,"target":135},"https://www.miway.co.za/mimotor-combo","article_content_text$f84390a1-1356-46ec-9507-f82c5e46aecc",{"variation":1505,"version":1506,"items":1880,"primary":1881,"id":1890,"slice_type":1514,"slice_label":9},[],{"heading":1882,"content":1883,"link_heading":1363},"How claims and excesses can differ",[1884,1887],{"type":70,"text":1885,"spans":1886,"direction":73},"Scratch and dent claims typically use a specialised repair network and may be subject to a product-specific excess and annual repair limit. Comprehensive claims can involve assessment, towing, panel beating, parts replacement, total-loss calculations and third-party costs.",[],{"type":70,"text":1888,"spans":1889,"direction":73},"Do not arrange repairs before approval. Photograph the damage, record when and how it occurred, and submit the claim through the insurer’s approved channel. Miway customers can use the Miway App or the claims process described online.",[],"article_content_text$67bf2be9-3c42-4922-8eeb-b66caffea5e9",{"variation":1505,"version":1506,"items":1892,"primary":1893,"id":1914,"slice_type":1514,"slice_label":9},[],{"heading":1894,"content":1895,"link_heading":1363},"How to choose the right cover",[1896,1899,1902,1905,1908,1911],{"type":70,"text":1897,"spans":1898,"direction":73},"•  Choose comprehensive cover when you need protection against major own-vehicle loss and third-party liability.",[],{"type":70,"text":1900,"spans":1901,"direction":73},"•  Consider scratch and dent cover when minor cosmetic damage matters and the product limits suit your vehicle.",[],{"type":70,"text":1903,"spans":1904,"direction":73},"•  Compare premiums, excesses, annual limits and excluded damage.",[],{"type":70,"text":1906,"spans":1907,"direction":73},"•  Check whether the vehicle is financed, because the finance agreement may require comprehensive cover.",[],{"type":70,"text":1909,"spans":1910,"direction":73},"•  Ask how an incident involving both cosmetic and major damage will be handled.",[],{"type":70,"text":1912,"spans":1913,"direction":73},"The right arrangement depends on the vehicle’s value, finance status, repair costs, use and the losses the owner could fund without insurance.",[],"article_content_text$361b809f-a60c-49d0-8d08-e2dd887b0d2f",{"variation":1505,"version":1506,"items":1916,"primary":1917,"id":1922,"slice_type":1514,"slice_label":9},[],{"heading":1642,"content":1918,"link_heading":1363},[1919],{"type":70,"text":1920,"spans":1921,"direction":73},"Scratch and dent cover is a focused cosmetic repair product. Comprehensive car insurance is broad financial protection against major vehicle and liability risks. Many drivers may benefit from both, but the terms, limits and exclusions should be compared before purchase.",[],"article_content_text$9cf8745b-6bb3-4be3-b2d1-ab36db15db24",{"variation":1649,"version":1506,"items":1924,"primary":1925,"id":1958,"slice_type":1514,"slice_label":9},[],{"heading":1652,"content":1926,"sub_sections":1927,"link_heading":1363},[],[1928,1934,1940,1946,1952],{"subheading":1929,"list":1930,"link_subsection":1363},"Is scratch and dent cover the same as comprehensive car insurance?",[1931],{"type":70,"text":1932,"spans":1933,"direction":73},"No. Scratch and dent cover is limited to defined minor cosmetic damage. Comprehensive insurance protects against a broader range of major insured events and third-party liability.",[],{"subheading":1935,"list":1936,"link_subsection":1363},"Can I buy scratch and dent cover without comprehensive insurance?",[1937],{"type":70,"text":1938,"spans":1939,"direction":73},"Some products may be available separately. Eligibility and conditions vary, so confirm this with the insurer and do not assume it provides full vehicle protection.",[],{"subheading":1941,"list":1942,"link_subsection":1363},"Will comprehensive insurance pay for a small scratch?",[1943],{"type":70,"text":1944,"spans":1945,"direction":73},"It may if the cause is insured, but the excess could be higher than the repair cost and policy terms apply. Ask the insurer before claiming.",[],{"subheading":1947,"list":1948,"link_subsection":1363},"Does scratch and dent cover include windscreen chips?",[1949],{"type":70,"text":1950,"spans":1951,"direction":73},"Some products do. Miway’s product description includes windscreen chips, but repair criteria, limits and exclusions in the policy wording apply.",[],{"subheading":1953,"list":1954,"link_subsection":1363},"Which cover do I need for a financed car?",[1955],{"type":70,"text":1956,"spans":1957,"direction":73},"Finance agreements commonly require comprehensive insurance. Confirm the lender’s requirements; scratch and dent cover alone is generally not equivalent.",[],"article_content_text$71d30962-af1d-4e8f-a406-a81757da4e25","Scratch and Dent vs Comprehensive Car Insurance | Miway Insurance","Compare scratch and dent cover with comprehensive car insurance, including what each covers, common limits, claims and when SA drivers may need both.","scratch and dent insurance, comprehensive insurance",{"dimensions":1963,"alt":1779,"copyright":9,"url":1964,"id":1781,"edit":1965},{"width":1691,"height":1692},"https://images.prismic.io/miway-website/whPs9N-YPK7KKA8p_Scratchanddent.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":1695,"y":28,"zoom":29,"background":30},{"link_type":35},[1968],{"type":70,"text":1969,"spans":1970,"direction":73},"Scratch and dent cover is limited protection for minor cosmetic vehicle damage, while comprehensive car insurance covers a much broader range of insured risks, including major accidental damage, theft, hijacking, fire, weather events and third-party liability.",[],{"id":1703,"type":1704,"tags":1972,"lang":16,"slug":631,"first_publication_date":1706,"last_publication_date":1707,"uid":1708,"link_type":393,"key":1973,"isBroken":395},[],"9fc7118c-e95f-4033-94dc-72cb956ec49d",[],{"dimensions":1976,"alt":1779,"copyright":9,"url":1780,"id":1781,"edit":1977},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},{"id":1979,"uid":1980,"url":1981,"type":1469,"href":1982,"tags":1983,"first_publication_date":1984,"last_publication_date":1984,"slugs":1985,"linked_documents":1987,"lang":16,"alternate_languages":1988,"data":1989},"asiwExIAACgAyKP2","insurance-excess-explained-what-every-policyholder-should-know","/blog/insurance-excess-explained-what-every-policyholder-should-know","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=atCEsxUAADIAbqHl&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asiwExIAACgAyKP2%22%29+%5D%5D",[],"2026-10-09T09:28:50+0000",[1986],"2026-10-09t0800000000",[],[],{"date":1990,"heading":1991,"duration":9,"article_type":1992,"category":1995,"related_product":1999,"thumbnail":2009,"type":1501,"related_insurance":9,"slices":2015,"meta_title":2183,"meta_description":2184,"meta_keywords":2185,"meta_image":2186,"canonical":2190,"intro":2191,"author":1701,"service_block":2194,"in_this_article":2202,"hero_image":2203},"2026-10-09T08:00:00+0000","Insurance excess explained what every policyholder should know",{"id":1375,"type":1339,"tags":1993,"lang":16,"slug":1377,"first_publication_date":1378,"last_publication_date":1379,"uid":1377,"url":1343,"link_type":393,"key":1994,"isBroken":395},[],"c8d416df-ff3f-4e02-9610-608c0f9abfbf",{"id":1485,"type":1486,"tags":1996,"lang":16,"slug":1377,"first_publication_date":1488,"last_publication_date":1488,"uid":1377,"url":1343,"data":1997,"link_type":393,"key":1998,"isBroken":395},[],{"name":680},"1af2a1bb-af19-4022-89f7-4054c753643d",{"id":2000,"type":515,"tags":2001,"lang":16,"slug":2003,"first_publication_date":2004,"last_publication_date":2005,"uid":2006,"url":2007,"link_type":393,"key":2008,"isBroken":395},"aqJV-REAACgAVLZ0",[1472,624,519,958,2002],"Insurance","car-insurance-excess-explained","2026-09-13T19:18:20+0000","2026-10-06T11:33:15+0000","car-insurance-excess","/car-insurance-excess","a1cf927a-927e-48bd-a228-82323e18a2c4",{"dimensions":2010,"alt":2011,"copyright":9,"url":2012,"id":2013,"edit":2014},{"width":1495,"height":1496},"Insurance Excess","https://images.prismic.io/miway-website/4wy9KaSGY-juSBBI_02.Makeyourcover_workforyou-1-.jpg?auto=format,compress","4wy9KaSGY-juSBBI",{"x":28,"y":28,"zoom":29,"background":30},[2016,2024,2045,2057,2069,2081,2108,2139,2147],{"variation":1505,"version":1506,"items":2017,"primary":2018,"id":2023,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":2019,"link_heading":1363},[2020],{"type":70,"text":2021,"spans":2022,"direction":73},"An insurance excess is the amount a policyholder must contribute to an approved claim before the insurer pays the remaining covered amount. 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",{"variation":1505,"version":1506,"items":2025,"primary":2026,"id":2044,"slice_type":1514,"slice_label":9},[],{"heading":2027,"content":2028,"link_heading":1363},"What is an insurance excess",[2029,2041],{"type":70,"text":2030,"spans":2031,"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.",[2032,2037],{"start":2033,"end":2034,"type":216,"data":2035},156,159,{"link_type":78,"url":2036,"target":135},"https://www.miway.co.za/car-insurance-excess",{"start":1524,"end":2038,"type":216,"data":2039},179,{"link_type":78,"url":2040,"target":135},"https://www.miway.co.za/home-insurance",{"type":70,"text":2042,"spans":2043,"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":1505,"version":1506,"items":2046,"primary":2047,"id":2056,"slice_type":1514,"slice_label":9},[],{"heading":2048,"content":2049,"link_heading":1363},"What types of excess can apply",[2050,2053],{"type":70,"text":2051,"spans":2052,"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":2054,"spans":2055,"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":1505,"version":1506,"items":2058,"primary":2059,"id":2068,"slice_type":1514,"slice_label":9},[],{"heading":2060,"content":2061,"link_heading":1363},"How does excess affect the insurance premium",[2062,2065],{"type":70,"text":2063,"spans":2064,"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":2066,"spans":2067,"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":1505,"version":1506,"items":2070,"primary":2071,"id":2080,"slice_type":1514,"slice_label":9},[],{"heading":2072,"content":2073,"link_heading":1363},"How insurers determine excesses",[2074,2077],{"type":70,"text":2075,"spans":2076,"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":2078,"spans":2079,"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":1505,"version":1506,"items":2082,"primary":2083,"id":2107,"slice_type":1514,"slice_label":9},[],{"heading":2084,"content":2085,"link_heading":1363},"How to choose an excess you can afford",[2086,2089,2092,2095,2098,2101,2104],{"type":70,"text":2087,"spans":2088,"direction":73},"·       Ask for quotations at more than one excess level.",[],{"type":70,"text":2090,"spans":2091,"direction":73},"·       Compare the monthly saving with the additional amount payable after a claim.",[],{"type":70,"text":2093,"spans":2094,"direction":73},"·       Check every standard, voluntary and additional excess on the schedule.",[],{"type":70,"text":2096,"spans":2097,"direction":73},"·       Keep the chosen excess available in emergency savings where possible.",[],{"type":70,"text":2099,"spans":2100,"direction":73},"·       Consider whether several excesses could apply to the same incident.",[],{"type":70,"text":2102,"spans":2103,"direction":73},"·       Review the excess when finances, drivers, assets or cover change.",[],{"type":70,"text":2105,"spans":2106,"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$22079633-b5f1-42e3-a814-7c1aed2523c9",{"variation":1505,"version":1506,"items":2109,"primary":2110,"id":2138,"slice_type":1514,"slice_label":9},[],{"heading":2111,"content":2112,"link_heading":1363},"Questions to ask before accepting a policy",[2113,2116,2119,2122,2125,2128,2131],{"type":70,"text":2114,"spans":2115,"direction":73},"·       What is my standard excess?",[],{"type":70,"text":2117,"spans":2118,"direction":73},"·       Have I selected a voluntary excess?",[],{"type":70,"text":2120,"spans":2121,"direction":73},"·       Which additional excesses can apply?",[],{"type":70,"text":2123,"spans":2124,"direction":73},"·       Is the excess fixed, percentage-based or subject to a minimum?",[],{"type":70,"text":2126,"spans":2127,"direction":73},"·       When and to whom must the excess be paid?",[],{"type":70,"text":2129,"spans":2130,"direction":73},"·       Could more than one excess apply to one claim?",[],{"type":70,"text":2132,"spans":2133,"direction":73},"Miway’s claims information explains how excess contributions work in its claims process, while the final coversheet and policy wording confirm the amount and conditions that apply to an individual customer.",[2134],{"start":2135,"end":1715,"type":216,"data":2136},8,{"link_type":78,"url":2137,"target":135},"https://www.miway.co.za/claims","article_content_text$edd69d6d-1b56-4ce0-b06a-6c5bd9f9b033",{"variation":1505,"version":1506,"items":2140,"primary":2141,"id":2146,"slice_type":1514,"slice_label":9},[],{"heading":1642,"content":2142,"link_heading":1363},[2143],{"type":70,"text":2144,"spans":2145,"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":1649,"version":1506,"items":2148,"primary":2149,"id":2182,"slice_type":1514,"slice_label":9},[],{"heading":1652,"content":2150,"sub_sections":2151,"link_heading":1363},[],[2152,2158,2164,2170,2176],{"subheading":2153,"list":2154,"link_subsection":1363},"Do I pay an excess on every insurance claim?",[2155],{"type":70,"text":2156,"spans":2157,"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":2159,"list":2160,"link_subsection":1363},"Can more than one excess apply to a claim?",[2161],{"type":70,"text":2162,"spans":2163,"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":2165,"list":2166,"link_subsection":1363},"Does a higher excess always mean a lower premium?",[2167],{"type":70,"text":2168,"spans":2169,"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":2171,"list":2172,"link_subsection":1363},"When is the insurance excess paid?",[2173],{"type":70,"text":2174,"spans":2175,"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":2177,"list":2178,"link_subsection":1363},"How do I know what my excess is?",[2179],{"type":70,"text":2180,"spans":2181,"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":2187,"alt":2011,"copyright":9,"url":2188,"id":2013,"edit":2189},{"width":1691,"height":1692},"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":1695,"y":28,"zoom":29,"background":30},{"link_type":35},[2192],{"type":70,"text":2021,"spans":2193,"direction":73},[],{"id":2195,"type":1704,"tags":2196,"lang":16,"slug":2197,"first_publication_date":2198,"last_publication_date":2199,"uid":2200,"link_type":393,"key":2201,"isBroken":395},"ZwY4_BAAACAAqBd3",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block","4edc8b82-b35b-4a03-b4d8-4743b4dd89e0",[],{"dimensions":2204,"alt":2011,"copyright":9,"url":2012,"id":2013,"edit":2205},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},{"id":2207,"uid":2208,"url":2209,"type":1469,"href":2210,"tags":2211,"first_publication_date":2212,"last_publication_date":2212,"slugs":2213,"linked_documents":2215,"lang":16,"alternate_languages":2216,"data":2217},"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=atCEsxUAADIAbqHl&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asdrEBIAACcA1xMi%22%29+%5D%5D",[760,958,2002],"2026-10-08T10:23:44+0000",[2214],"2026-10-08t1000000000",[],[],{"date":2218,"heading":2219,"duration":9,"article_type":2220,"category":2223,"related_product":2227,"thumbnail":2230,"type":1501,"related_insurance":784,"slices":2237,"meta_title":2387,"meta_description":2388,"meta_keywords":2389,"meta_image":2390,"canonical":2395,"intro":2396,"author":1701,"service_block":2399,"in_this_article":2405,"hero_image":2406},"2026-10-08T10:00:00+0000","How to calculate the value of your home contents and avoid underinsurance",{"id":1366,"type":1339,"tags":2221,"lang":16,"slug":1368,"first_publication_date":1369,"last_publication_date":1369,"uid":1368,"url":1343,"link_type":393,"key":2222,"isBroken":395},[],"76a185d3-6918-4db0-8152-e77892cdb60f",{"id":1485,"type":1486,"tags":2224,"lang":16,"slug":1377,"first_publication_date":1488,"last_publication_date":1488,"uid":1377,"url":1343,"data":2225,"link_type":393,"key":2226,"isBroken":395},[],{"name":680},"9f895797-68d8-4099-8999-79aba2c25100",{"id":804,"type":515,"tags":2228,"lang":16,"slug":806,"first_publication_date":807,"last_publication_date":808,"uid":809,"url":810,"link_type":393,"key":2229,"isBroken":395},[517,688,519],"da09e7c7-c5f4-4ec8-9617-4379e09b0b2b",{"dimensions":2231,"alt":2233,"copyright":9,"url":2234,"id":2235,"edit":2236},{"width":1495,"height":2232},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},[2238,2246,2258,2285,2297,2324,2343,2351],{"variation":1505,"version":1506,"items":2239,"primary":2240,"id":2245,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":2241,"link_heading":1363},[2242],{"type":70,"text":2243,"spans":2244,"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":1505,"version":1506,"items":2247,"primary":2248,"id":2257,"slice_type":1514,"slice_label":9},[],{"heading":2249,"content":2250,"link_heading":1363},"What is underinsurance",[2251,2254],{"type":70,"text":2252,"spans":2253,"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":2255,"spans":2256,"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$cb1aed01-256b-4099-aadc-0830e03d185e",{"variation":1505,"version":1506,"items":2259,"primary":2260,"id":2284,"slice_type":1514,"slice_label":9},[],{"heading":2261,"content":2262,"link_heading":1363},"How to calculate home contents value",[2263,2266,2269,2272,2275,2278,2281],{"type":70,"text":2264,"spans":2265,"direction":73},"·       Walk through every room, garage, storeroom and outdoor living area.",[],{"type":70,"text":2267,"spans":2268,"direction":73},"·       List furniture, appliances, electronics, clothing, linen, kitchenware, tools, books, décor, sports equipment and other belongings.",[],{"type":70,"text":2270,"spans":2271,"direction":73},"·       Use current retail replacement prices, not what the items originally cost or their second-hand value.",[],{"type":70,"text":2273,"spans":2274,"direction":73},"·       Record quantities for groups such as clothing, crockery and bedding.",[],{"type":70,"text":2276,"spans":2277,"direction":73},"·       Obtain current professional valuations for jewellery, art or collectibles where required.",[],{"type":70,"text":2279,"spans":2280,"direction":73},"·       Add the room totals and retain a reasonable allowance for small forgotten items.",[],{"type":70,"text":2282,"spans":2283,"direction":73},"A spreadsheet, home-inventory app, photos and short videos can make the review easier. Store copies securely away from the home or in protected cloud storage.",[],"article_content_text$e47ea243-782d-4be9-881a-2a4f408f57e3",{"variation":1505,"version":1506,"items":2286,"primary":2287,"id":2296,"slice_type":1514,"slice_label":9},[],{"heading":2288,"content":2289,"link_heading":1363},"Items people often forget",[2290,2293],{"type":70,"text":2291,"spans":2292,"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":2294,"spans":2295,"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$c4e90129-73fe-4d17-b4cd-19133076a1f9",{"variation":1505,"version":1506,"items":2298,"primary":2299,"id":2323,"slice_type":1514,"slice_label":9},[],{"heading":2300,"content":2301,"link_heading":1363},"When to update the insured amount",[2302,2305,2308,2311,2314,2317,2320],{"type":70,"text":2303,"spans":2304,"direction":73},"·       After moving or renovating",[],{"type":70,"text":2306,"spans":2307,"direction":73},"·       After buying furniture, appliances or electronics",[],{"type":70,"text":2309,"spans":2310,"direction":73},"·       After receiving jewellery, art or inherited items",[],{"type":70,"text":2312,"spans":2313,"direction":73},"·       When replacement prices rise materially",[],{"type":70,"text":2315,"spans":2316,"direction":73},"·       When household members move in or out",[],{"type":70,"text":2318,"spans":2319,"direction":73},"·       At every annual policy review",[],{"type":70,"text":2321,"spans":2322,"direction":73},"Tell the insurer about material changes rather than waiting for renewal. Keep receipts, serial numbers, photographs and valuation certificates where available.",[],"article_content_text$c75ab059-64e6-41ab-9a34-da26cc8b5c19",{"variation":1505,"version":1506,"items":2325,"primary":2326,"id":2342,"slice_type":1514,"slice_label":9},[],{"heading":2327,"content":2328,"link_heading":1363},"How to reduce the risk of a claim shortfall",[2329,2332],{"type":70,"text":2330,"spans":2331,"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":2333,"spans":2334,"direction":73},"Miway’s home insurance information and underinsurance guide provide a useful starting point for reviewing household cover.",[2335,2337],{"start":2135,"end":1792,"type":216,"data":2336},{"link_type":78,"url":2040,"target":135},{"start":2338,"end":2339,"type":216,"data":2340},39,59,{"link_type":78,"url":2341,"target":135},"https://www.miway.co.za/blog/how-to-avoid-underinsuring-your-household-contents","article_content_text$740d0c64-c9f0-4b12-9d44-6c0466bfd231",{"variation":1505,"version":1506,"items":2344,"primary":2345,"id":2350,"slice_type":1514,"slice_label":9},[],{"heading":1642,"content":2346,"link_heading":1363},[2347],{"type":70,"text":2348,"spans":2349,"direction":73},"A reliable contents value comes from an inventory, not a guess. Price every room at current replacement cost, document high-value possessions and refresh the total regularly. The few hours spent recording belongings can reduce uncertainty when a loss occurs.",[],"article_content_text$bc3355d7-0e45-4c57-bfca-3e51afd3bb51",{"variation":1649,"version":1506,"items":2352,"primary":2353,"id":2386,"slice_type":1514,"slice_label":9},[],{"heading":1652,"content":2354,"sub_sections":2355,"link_heading":1363},[],[2356,2362,2368,2374,2380],{"subheading":2357,"list":2358,"link_subsection":1363},"Should home contents be insured at purchase price or replacement value?",[2359],{"type":70,"text":2360,"spans":2361,"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":2363,"list":2364,"link_subsection":1363},"What is the average clause?",[2365],{"type":70,"text":2366,"spans":2367,"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":2369,"list":2370,"link_subsection":1363},"How often should I value my home contents?",[2371],{"type":70,"text":2372,"spans":2373,"direction":73},"Review the value at least annually and after major purchases, renovations, gifts, inheritance or significant price changes.",[],{"subheading":2375,"list":2376,"link_subsection":1363},"Do I need receipts for every item?",[2377],{"type":70,"text":2378,"spans":2379,"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":2381,"list":2382,"link_subsection":1363},"Are laptops and jewellery covered outside the home?",[2383],{"type":70,"text":2384,"spans":2385,"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":2391,"alt":2233,"copyright":9,"url":2392,"id":2235,"edit":2393},{"width":1691,"height":1692},"https://images.prismic.io/miway-website/RGJ_MMzYkT0EIvwB_Image7-1-.jpg?auto=format,compress&rect=501,0,1160,609&w=2400&h=1260",{"x":2394,"y":28,"zoom":29,"background":30},501,{"link_type":35},[2397],{"type":70,"text":2243,"spans":2398,"direction":73},[],{"id":2400,"type":1704,"tags":2401,"lang":16,"slug":776,"first_publication_date":2402,"last_publication_date":2403,"uid":776,"link_type":393,"key":2404,"isBroken":395},"akuheBEAACsACNSf",[760,688],"2026-07-06T13:17:07+0000","2026-07-07T07:58:00+0000","4cdcd398-4d1d-4bf3-90f9-28bc3588baf4",[],{"dimensions":2407,"alt":2233,"copyright":9,"url":2234,"id":2235,"edit":2408},{"width":1495,"height":2232},{"x":28,"y":28,"zoom":29,"background":30},{"id":2410,"uid":2411,"url":2412,"type":1469,"href":2413,"tags":2414,"first_publication_date":2415,"last_publication_date":2415,"slugs":2416,"linked_documents":2418,"lang":16,"alternate_languages":2419,"data":2420},"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=atCEsxUAADIAbqHl&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asdUNhIAACcA1uVb%22%29+%5D%5D",[624,958,2002],"2026-10-08T08:40:35+0000",[2417],"2026-10-08t0800000000",[],[],{"date":2421,"heading":2422,"duration":9,"article_type":2423,"category":2426,"related_product":2430,"thumbnail":2433,"type":1501,"related_insurance":1502,"slices":2439,"meta_title":2570,"meta_description":2571,"meta_keywords":2572,"meta_image":2573,"canonical":2574,"intro":2575,"author":1701,"service_block":2578,"in_this_article":2581,"hero_image":2582},"2026-10-08T08:00:00+0000","How to Reduce Your Car Insurance Premium Without Losing Essential Cover",{"id":1338,"type":1339,"tags":2424,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":2425,"isBroken":395},[],"8b42c8fe-3852-4988-8a1a-db2a108e44d0",{"id":1485,"type":1486,"tags":2427,"lang":16,"slug":1377,"first_publication_date":1488,"last_publication_date":1488,"uid":1377,"url":1343,"data":2428,"link_type":393,"key":2429,"isBroken":395},[],{"name":680},"d9295dca-dcca-4ad4-a46f-7c6ee3fa84db",{"id":626,"type":515,"tags":2431,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":2432,"isBroken":395},[519],"92e5fddc-c7ce-49fa-8130-b8080aceed0c",{"dimensions":2434,"alt":2435,"copyright":9,"url":2436,"id":2437,"edit":2438},{"width":1495,"height":2232},"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},[2440,2448,2460,2475,2487,2514,2526,2534],{"variation":1505,"version":1506,"items":2441,"primary":2442,"id":2447,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":2443,"link_heading":1363},[2444],{"type":70,"text":2445,"spans":2446,"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":1505,"version":1506,"items":2449,"primary":2450,"id":2459,"slice_type":1514,"slice_label":9},[],{"heading":2451,"content":2452,"link_heading":1363},"Start with an accurate policy review",[2453,2456],{"type":70,"text":2454,"spans":2455,"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":2457,"spans":2458,"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$1a8c01d1-d5d6-42bb-9846-e49638793f5c",{"variation":1505,"version":1506,"items":2461,"primary":2462,"id":2474,"slice_type":1514,"slice_label":9},[],{"heading":2463,"content":2464,"link_heading":1363},"Choose the excess carefully",[2465,2471],{"type":70,"text":2466,"spans":2467,"direction":73},"The excess is the amount the policyholder must contribute to an accepted claim. A higher voluntary excess may lower the monthly premium, but it transfers more cost to you. Ask for quotes at several excess levels and compare the total financial effect.",[2468],{"start":156,"end":2469,"type":216,"data":2470},10,{"link_type":78,"url":2036,"target":135},{"type":70,"text":2472,"spans":2473,"direction":73},"Keep at least the selected excess accessible in emergency savings. Also check whether additional excesses apply for young drivers, late-night incidents, unlisted drivers, theft or other circumstances.",[],"article_content_text$dfd89df5-ff90-4872-a0ad-6ceba1cbf52d",{"variation":1505,"version":1506,"items":2476,"primary":2477,"id":2486,"slice_type":1514,"slice_label":9},[],{"heading":2478,"content":2479,"link_heading":1363},"Keep essential cover and reassess optional benefits",[2480,2483],{"type":70,"text":2481,"spans":2482,"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":2484,"spans":2485,"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":1505,"version":1506,"items":2488,"primary":2489,"id":2513,"slice_type":1514,"slice_label":9},[],{"heading":2490,"content":2491,"link_heading":1363},"Ask about legitimate savings",[2492,2495,2498,2501,2504,2507,2510],{"type":70,"text":2493,"spans":2494,"direction":73},"·       Compare personalised quotes on equivalent cover and excesses.",[],{"type":70,"text":2496,"spans":2497,"direction":73},"·       Ask about multi-product or multi-vehicle pricing where available.",[],{"type":70,"text":2499,"spans":2500,"direction":73},"·       Confirm that approved security or tracking devices are recorded.",[],{"type":70,"text":2502,"spans":2503,"direction":73},"·       Review annual mileage and vehicle use when they genuinely change.",[],{"type":70,"text":2505,"spans":2506,"direction":73},"·       Maintain the vehicle to reduce avoidable breakdown and accident risks.",[],{"type":70,"text":2508,"spans":2509,"direction":73},"·       Review cover annually instead of cancelling during short-term budget pressure.",[],{"type":70,"text":2511,"spans":2512,"direction":73},"Any saving depends on underwriting and policy terms. Ask for the revised schedule before accepting a change.",[],"article_content_text$4fda99d9-dae9-46c3-962a-eca17c1df131",{"variation":1505,"version":1506,"items":2515,"primary":2516,"id":2525,"slice_type":1514,"slice_label":9},[],{"heading":2517,"content":2518,"link_heading":1363},"Avoid false economies",[2519,2522],{"type":70,"text":2520,"spans":2521,"direction":73},"Do not understate mileage, change the regular driver inaccurately, omit business or e-hailing use, or choose an excess you could not pay. Avoid reducing to third-party-only cover without considering what it would cost to replace your own car.",[],{"type":70,"text":2523,"spans":2524,"direction":73},"If affordability is under pressure, speak to the insurer before cancelling. A structured review may identify a more suitable cover level or excess without leaving the car completely uninsured",[],"article_content_text$b283e1dc-22bb-4b68-b3d9-8a6aa95d3cbf",{"variation":1505,"version":1506,"items":2527,"primary":2528,"id":2533,"slice_type":1514,"slice_label":9},[],{"heading":1642,"content":2529,"link_heading":1363},[2530],{"type":70,"text":2531,"spans":2532,"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":1649,"version":1506,"items":2535,"primary":2536,"id":2569,"slice_type":1514,"slice_label":9},[],{"heading":1652,"content":2537,"sub_sections":2538,"link_heading":1363},[],[2539,2545,2551,2557,2563],{"subheading":2540,"list":2541,"link_subsection":1363},"Does increasing my excess reduce my premium?",[2542],{"type":70,"text":2543,"spans":2544,"direction":73},"It may, depending on the insurer and risk profile. The trade-off is a higher contribution after a claim.",[],{"subheading":2546,"list":2547,"link_subsection":1363},"Can working from home reduce car insurance costs?",[2548],{"type":70,"text":2549,"spans":2550,"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":2552,"list":2553,"link_subsection":1363},"Will a tracking device lower my premium?",[2554],{"type":70,"text":2555,"spans":2556,"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":2558,"list":2559,"link_subsection":1363},"Should I remove car hire to save money?",[2560],{"type":70,"text":2561,"spans":2562,"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":2564,"list":2565,"link_subsection":1363},"Is cancelling insurance the fastest way to save?",[2566],{"type":70,"text":2567,"spans":2568,"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},[2576],{"type":70,"text":2445,"spans":2577,"direction":73},[],{"id":1703,"type":1704,"tags":2579,"lang":16,"slug":631,"first_publication_date":1706,"last_publication_date":1707,"uid":1708,"link_type":393,"key":2580,"isBroken":395},[],"280124b6-74db-451a-a082-bf6c5b570e9d",[],{"dimensions":2583,"alt":2435,"copyright":9,"url":2436,"id":2437,"edit":2584},{"width":1495,"height":2232},{"x":28,"y":28,"zoom":29,"background":30},1792069755580]