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It is often relevant for any SME that interacts with people, goods or property outside its own direct control.",[1642,1647],{"start":1643,"end":1644,"type":219,"data":1645},485,516,{"link_type":81,"url":1646,"target":1631},"https://www.miway.co.za/blog/what-are-the-different-types-of-liability",{"start":1648,"end":1649,"type":219,"data":1650},555,589,{"link_type":81,"url":1651,"target":138},"https://www.miway.co.za/site_files/documents/MiWay_Business_Insurance_Policy_Wording.pdf",true,"article_content_text$75cd2e68-69fc-451b-b934-15d70cc6255e",{"variation":1618,"version":1619,"items":1655,"primary":1656,"id":1676,"slice_type":1633,"slice_label":9},[],{"heading":1657,"content":1658,"link_heading":1652},"Why SMEs should pay attention to public liability",[1659],{"type":73,"text":1660,"spans":1661,"direction":76},"Small and medium-sized businesses often work with tighter cash flow and less margin for error than larger firms. That means the financial impact of a claim can be more severe, even when the incident itself seems straightforward.\n\nSouth African SMEs remain central to the economy. The OECD’s 2025 South Africa survey notes that SMEs account for around 60% of employment. At the same time, SME South Africa’s 2025 guide highlights that liability and workers’ compensation risks remain important for growing businesses, especially those operating in customer-facing or higher-risk sectors.\n\nIf an SME is sued, the costs can go beyond the incident itself. There may be legal expenses, reputational damage, delays in operations and pressure on cash flow. That is why public liability cover is often one of the more practical forms of business insurance for customer-facing businesses.",[1662,1667,1672],{"start":1663,"end":1664,"type":219,"data":1665},280,315,{"link_type":81,"url":1666,"target":138},"https://www.oecd.org/en/publications/oecd-economic-surveys-south-africa-2025_7e6a132a-en/full-report/enhancing-job-creation-and-workforce-integration-in-a-changing-economy_e1449aca.html",{"start":1668,"end":1669,"type":219,"data":1670},388,417,{"link_type":81,"url":1671,"target":138},"https://smesouthafrica.co.za/sme-guides/guide-to-business-insurance/",{"start":1673,"end":1674,"type":219,"data":1675},829,847,{"link_type":81,"url":1630,"target":1631},"article_content_text$27ddf62b-cc96-4430-b59c-7651660f46b5",{"variation":1618,"version":1619,"items":1678,"primary":1679,"id":1704,"slice_type":1633,"slice_label":9},[],{"heading":1680,"content":1681,"link_heading":1652},"Common examples of public liability claims",[1682,1685,1689,1692,1695,1698,1701],{"type":73,"text":1683,"spans":1684,"direction":76},"Public liability insurance becomes easier to understand when it is linked to real scenarios. Here are a few examples SMEs should think about:",[],{"type":1686,"text":1687,"spans":1688,"direction":76},"list-item","A customer slips on a wet floor at your shop, studio, office or salon and alleges your business was negligent.",[],{"type":1686,"text":1690,"spans":1691,"direction":76},"A contractor or delivery visitor is injured while on your premises.",[],{"type":1686,"text":1693,"spans":1694,"direction":76},"Your employee accidentally damages a client’s property while working on site.",[],{"type":1686,"text":1696,"spans":1697,"direction":76},"A business event, activation or installation causes accidental injury or third-party property damage.",[],{"type":1686,"text":1699,"spans":1700,"direction":76},"A business owner or staff member creates a situation where a third party alleges financial loss followed an insured liability event.",[],{"type":73,"text":1702,"spans":1703,"direction":76},"Not every incident will be covered automatically, and the outcome depends on the wording, facts, exclusions and policy limits. But these examples show why SMEs should not assume that “it probably won’t happen to us” is a sufficient risk strategy.",[],"article_content_text$814f2aea-ee67-4951-b141-890e2af4090d",{"variation":1618,"version":1619,"items":1706,"primary":1707,"id":1717,"slice_type":1633,"slice_label":9},[],{"heading":1708,"content":1709,"link_heading":1652},"What public liability usually does not mean",[1710],{"type":73,"text":1711,"spans":1712,"direction":76},"A common mistake is to treat all liability risks as the same. Public liability is not identical to professional indemnity, product liability or directors’ and officers’ liability. Those are related but distinct exposures.\n\nMiway’s own liability explainer is useful here because it separates broadform public liability, product liability, professional liability and directors’ and officers’ liability. That distinction matters. A business giving professional advice may need professional indemnity. A manufacturer or seller may also need product liability. A company with a board may have D&O exposure. Public liability is one part of a broader protection picture, not the whole picture.",[1713],{"start":1714,"end":1715,"type":219,"data":1716},291,399,{"link_type":81,"url":1646,"target":1631},"article_content_text$137a65eb-b59c-45d1-8359-ed87c569ab52",{"variation":1618,"version":1619,"items":1719,"primary":1720,"id":1745,"slice_type":1633,"slice_label":9},[],{"heading":1721,"content":1722,"link_heading":1652},"How public liability fits into wider business protection",[1723],{"type":73,"text":1724,"spans":1725,"direction":76},"SMEs rarely face just one type of risk. A business that serves customers may also own stock, equipment, vehicles or premises. It may need to think about interruption risk, theft, transit exposures or accidental damage alongside liability.\n\nThat is why it helps to view public liability as one element of a wider business insurance structure. What type of insurance does a business need? is a useful internal starting point because it frames liability alongside other key covers. Businesses that transport products may also need goods in transit cover, while businesses worried about lost revenue after a disruption should understand business interruption.\n\nThe point is not to buy everything blindly. It is to understand which risks are most relevant to how your business actually works.",[1726,1730,1735,1740],{"start":1727,"end":1728,"type":219,"data":1729},312,330,{"link_type":81,"url":1630,"target":1631},{"start":1731,"end":1732,"type":219,"data":1733},342,386,{"link_type":81,"url":1734,"target":1631},"https://www.miway.co.za/blog/what-type-of-insurance-does-a-business-need",{"start":1736,"end":1737,"type":219,"data":1738},528,550,{"link_type":81,"url":1739,"target":1631},"https://www.miway.co.za/blog/making-your-business-our-business-goods-in-transit-cover",{"start":1741,"end":1742,"type":219,"data":1743},633,654,{"link_type":81,"url":1744,"target":1631},"https://www.miway.co.za/blog/business-interruption-what-it-is-and-how-to-guard-against-it","article_content_text$4f5228de-d541-4e6f-914a-972fc3346b78",{"variation":1618,"version":1619,"items":1747,"primary":1748,"id":1754,"slice_type":1633,"slice_label":9},[],{"heading":1749,"content":1750,"link_heading":1652},"How to choose the right liability approach",[1751],{"type":73,"text":1752,"spans":1753,"direction":76},"For SMEs, the best starting point is not the premium alone. It is understanding where your business interacts with the public, where third-party loss could arise, and what size of claim the business could realistically absorb.\n\nHelpful questions include:\n• Do customers, clients, suppliers or contractors visit your premises?\n• Do your staff work at client sites or in public-facing spaces?\n• Could your operations damage a third party’s property?\n• Would a legal claim place your business under severe cash-flow pressure?\n• Do you already have other liability exposures beyond public liability?\n\nIf the answer to these questions points to regular public interaction or third-party risk, public liability is likely worth careful consideration.",[],"article_content_text$ee340f83-6a54-417f-969a-204a19d9df07",{"variation":1618,"version":1619,"items":1756,"primary":1757,"id":1773,"slice_type":1633,"slice_label":9},[],{"heading":1758,"content":1759,"link_heading":1652},"Conclusion",[1760,1763],{"type":73,"text":1761,"spans":1762,"direction":76},"Public liability insurance is best understood as financial protection against one of the most unpredictable risks an SME can face: a third-party claim. For many South African businesses, it is a practical way to protect cash flow, legal position and continuity when something goes wrong.\n\nThe most useful approach is not to treat liability as a technical afterthought. It is to look at how your business operates, where public-facing risk exists, and how public liability fits into your broader protection plan.",[],{"type":73,"text":1764,"spans":1765,"direction":76},"If your business interacts with customers, suppliers, contractors or the public, now is a good time to review your Miway business insurance options and explore the different types of liability so your cover matches the way your business actually works.",[1766,1769],{"start":1767,"end":108,"type":219,"data":1768},115,{"link_type":81,"url":1630,"target":1631},{"start":1770,"end":1771,"type":219,"data":1772},160,192,{"link_type":81,"url":1646,"target":1631},"article_content_text$a16f4267-39af-4271-bbdd-b42d04e0afc0","Public liability insurance helps protect your business if a third party claims your business activities caused injury, property damage or financial loss.","Public Liability",{"dimensions":1777,"alt":1611,"copyright":9,"url":1780,"id":1613,"edit":1781},{"width":1778,"height":1779},2400,1260,"https://images.prismic.io/miway-website/Z9qxlDiBA97GipXs_Business_interruption.jpeg?auto=format,compress&rect=271,0,611,321&w=2400&h=1260",{"x":1782,"y":32,"zoom":7,"background":33},271,{"link_type":38},[1785],{"type":73,"text":1786,"spans":1787,"direction":76},"If you run a small or growing business, you are probably focused on sales, service delivery, staff, stock and cash flow. But there is another risk that many SMEs underestimate until something goes wrong: the risk of a third-party claim.",[],"Miway",{"id":1790,"type":1791,"tags":1792,"lang":20,"slug":1793,"first_publication_date":1794,"last_publication_date":1795,"uid":1796,"data":1797,"link_type":411,"key":1828,"isBroken":413},"ZwY4_BAAACAAqBd3","service_block",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block",{"description":1798,"cta_text":401,"cta_link_href":1802,"buttons":1805,"pictogram":1814,"title":1827},[1799],{"type":73,"text":1800,"spans":1801,"direction":76},"If you are looking for some help, this is the right place. Find help now.",[],{"id":403,"type":404,"tags":1803,"lang":20,"slug":406,"first_publication_date":407,"last_publication_date":408,"uid":409,"url":410,"link_type":411,"key":1804,"isBroken":413},[],"8d400839-0eaf-4b3f-b247-2b8ca5063521",[1806,1810],{"button_text":1807,"button_link":1808,"button_colour":1809,"button_variant":1618,"functionality":1807},"Call me back",{"link_type":38},"white",{"button_text":1811,"button_link":1812,"button_colour":1809,"button_variant":1813,"functionality":1811},"Get my quote",{"link_type":38},"outline",{"dimensions":1815,"alt":9,"copyright":9,"url":1818,"id":861,"edit":1819,"mobile":1820},{"width":1816,"height":1817},338,361,"https://images.prismic.io/miway-website/Z7hoHp7c43Q3gD6w_MiGuard.png?auto=format,compress&rect=1,0,963,1028&w=338&h=361",{"x":7,"y":32,"zoom":7,"background":33},{"dimensions":1821,"alt":9,"copyright":9,"url":1824,"id":861,"edit":1825},{"width":1822,"height":1823},200,212,"https://images.prismic.io/miway-website/Z7hoHp7c43Q3gD6w_MiGuard.png?auto=format,compress&rect=0,3,964,1022&w=200&h=212",{"x":32,"y":1826,"zoom":7,"background":33},3,"Need some help?","f8365371-7c32-4c8f-9dc1-96438fe7538a",[],{"dimensions":1831,"alt":1611,"copyright":9,"url":1612,"id":1613,"edit":1832},{"width":1609,"height":1610},{"x":32,"y":32,"zoom":7,"background":33},[1834,2051,2225,2374],{"id":1835,"uid":1836,"url":1837,"type":1582,"href":1838,"tags":1839,"first_publication_date":1840,"last_publication_date":1840,"slugs":1841,"linked_documents":1843,"lang":20,"alternate_languages":1844,"data":1845},"aefQCRAAACQARGXj","goods-in-transit-insurance-explained","/blog/goods-in-transit-insurance-explained","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aeiSgxAAACIARa_u&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aefQCRAAACQARGXj%22%29+%5D%5D",[653,1015],"2026-04-21T19:46:20+0000",[1842],"2026-04-21t1931000000",[],[],{"date":1846,"heading":1847,"duration":9,"article_type":1848,"category":1851,"related_product":1855,"thumbnail":1858,"type":1615,"related_insurance":9,"slices":1866,"meta_title":1847,"meta_description":2032,"meta_keywords":2033,"meta_image":2034,"canonical":2039,"intro":2040,"author":1788,"service_block":2044,"in_this_article":2047,"hero_image":2048},"2026-04-21T19:31:00+0000","Goods in Transit Insurance Explained",{"id":1594,"type":1356,"tags":1849,"lang":20,"slug":657,"first_publication_date":1596,"last_publication_date":1596,"uid":657,"url":1360,"link_type":411,"key":1850,"isBroken":413},[],"99142deb-09a3-4d44-a42a-46c58c7ff478",{"id":1599,"type":1600,"tags":1852,"lang":20,"slug":657,"first_publication_date":1602,"last_publication_date":1602,"uid":657,"url":1360,"data":1853,"link_type":411,"key":1854,"isBroken":413},[],{"name":997},"38e786b1-ebf1-4435-b2fc-0e38a281966b",{"id":1032,"type":533,"tags":1856,"lang":20,"slug":1034,"first_publication_date":1035,"last_publication_date":1036,"uid":1037,"url":1038,"link_type":411,"key":1857,"isBroken":413},[653,537],"75089f39-816a-4eae-83c0-4380bb274d67",{"dimensions":1859,"alt":1862,"copyright":9,"url":1863,"id":1864,"edit":1865},{"width":1860,"height":1861},2161,585,"Man loading boxes into a truck","https://images.prismic.io/miway-website/aaBdxMFoBIGEg3Y0_business-insurance-101-v2.jpg?auto=format,compress","aaBdxMFoBIGEg3Y0",{"x":32,"y":32,"zoom":7,"background":33},[1867,1879,1897,1915,1942,1955,1964,1986,2010],{"variation":1618,"version":1619,"items":1868,"primary":1869,"id":1878,"slice_type":1633,"slice_label":9},[],{"heading":9,"content":1870,"link_heading":413},[1871],{"type":73,"text":1872,"spans":1873,"direction":76},"That is where Goods in transit insurance becomes important. Goods in transit insurance is designed to protect items being transported by road to and from a specified business address against risks such as accidental damage, theft, hijacking, fire or other insured transit-related loss, subject to the wording and conditions of the policy.\n\nFor many SMEs, this should be viewed as part of a wider business insurance strategy. It matters because one delivery loss can disrupt cash flow, delay orders and damage customer trust, especially when margins are already under pressure.",[1874],{"start":1875,"end":1876,"type":219,"data":1877},396,414,{"link_type":81,"url":1630,"target":1631},"article_content_text$a6fd7c4b-dbdc-4103-b7d3-7557413bbbad",{"variation":1618,"version":1619,"items":1880,"primary":1881,"id":1896,"slice_type":1633,"slice_label":9},[],{"heading":1882,"content":1883,"link_heading":1652},"What is Goods in Transit Insurance?",[1884],{"type":73,"text":1885,"spans":1886,"direction":76},"Goods in transit insurance protects goods or stock while they are being transported by road. In simple terms, it is cover for the load rather than the vehicle itself.\n\nThis distinction is important. A delivery van, bakkie or truck may be insured for accident damage or theft, but the products, stock or materials inside the vehicle may require separate protection. Miway’s 2026 Goods in Transit explainer makes this clear by explaining that vehicle insurance protects the vehicle, while Goods in transit insurance protects the goods being transported.\n\nMiway’s product wording and product page also show that this type of cover is built specifically for businesses that carry stock or goods by road. Miway Goods in transit cover confirms that the cover can include protection after an incident, including moving goods to a safe place or destination where applicable under the policy.",[1887,1891],{"start":1888,"end":1889,"type":219,"data":1890},365,404,{"link_type":81,"url":1739,"target":1631},{"start":1892,"end":1893,"type":219,"data":1894},700,728,{"link_type":81,"url":1895,"target":1631},"https://www.miway.co.za/business-insurance/goods-in-transit","article_content_text$8f9a48e2-e46a-439f-9cd9-7e0c800771c2",{"variation":1618,"version":1619,"items":1898,"primary":1899,"id":1914,"slice_type":1633,"slice_label":9},[],{"heading":1900,"content":1901,"link_heading":1652},"Why this cover matters for South African SMEs",[1902],{"type":73,"text":1903,"spans":1904,"direction":76},"For SMEs, transport risk is often more serious than it first appears. A business may depend on stock deliveries, site-to-site movement of materials, customer orders or mobile service operations. If those goods are damaged, stolen or hijacked while in transit, the financial impact can extend beyond the value of the load itself.\n\nThere may also be knock-on effects such as missed deadlines, customer dissatisfaction, replacement costs and cash-flow pressure. That matters in a country where SMEs remain central to economic activity. The OECD’s 2025 South Africa survey notes that SMEs account for around 60% of employment, which reinforces how important continuity and resilience are for smaller businesses.\n\nLogistics crime also remains a practical concern. Reuters reported in 2024 that South Africa’s last-mile delivery operators were facing rising hijacking pressure, with delivery vehicles carrying valuable goods becoming prime targets. This is one reason Goods in transit insurance should be treated as a practical business risk conversation, not a niche add-on.",[1905,1909],{"start":1906,"end":1907,"type":219,"data":1908},533,568,{"link_type":81,"url":1666,"target":138},{"start":1910,"end":1911,"type":219,"data":1912},759,783,{"link_type":81,"url":1913,"target":138},"https://www.reuters.com/world/africa/hijacks-big-security-concern-safricas-last-mile-delivery-companies-2024-09-12/","article_content_text$7f70750b-04e4-485a-a914-d2125a5b3e5f",{"variation":1618,"version":1619,"items":1916,"primary":1917,"id":1941,"slice_type":1633,"slice_label":9},[],{"heading":1918,"content":1919,"link_heading":1652},"What Goods in transit insurance typically covers",[1920,1923,1926,1929,1932,1935,1938],{"type":73,"text":1921,"spans":1922,"direction":76},"The exact cover depends on the wording and the policy you choose, but in general this type of insurance is designed to respond to losses involving goods being transported by road.",[],{"type":1686,"text":1924,"spans":1925,"direction":76},"Accidental damage during transport, such as damage following a collision or rollover",[],{"type":1686,"text":1927,"spans":1928,"direction":76},"Fire or explosion affecting the goods while they are in transit",[],{"type":1686,"text":1930,"spans":1931,"direction":76},"Theft or hijacking of the load, where insured and subject to the terms of the policy",[],{"type":1686,"text":1933,"spans":1934,"direction":76},"Loading and unloading risks, where these are included in the wording",[],{"type":1686,"text":1936,"spans":1937,"direction":76},"Costs linked to protecting the goods after an incident, depending on the product structure",[],{"type":73,"text":1939,"spans":1940,"direction":76},"This is why Goods in transit insurance works best when the business clearly understands what is being moved, how often it is transported, and which routes or methods create the greatest risk.",[],"article_content_text$37c59b4a-2b73-493f-9db7-1e75a623d7ac",{"variation":1618,"version":1619,"items":1943,"primary":1944,"id":1954,"slice_type":1633,"slice_label":9},[],{"heading":1945,"content":1946,"link_heading":1652},"What it does not automatically mean",[1947],{"type":73,"text":1948,"spans":1949,"direction":76},"A common mistake is to assume that this cover solves every transport-related risk. It does not automatically mean that damage to the vehicle itself is covered under the goods section, or that every type of item, every route or every circumstance will be insured by default.\n\nMiway’s business insurance wording is useful here because it draws distinctions between vehicle damage, goods damage, liability and supporting covers. The Miway Business Insurance Policy Wording makes it clear that policy terms, limits, security conditions and exclusions matter. That is why the best question is not only “do I have transit cover?” but “does my Goods in transit insurance actually match the way I transport goods?”",[1950],{"start":1951,"end":1952,"type":219,"data":1953},426,469,{"link_type":81,"url":1651,"target":138},"article_content_text$0b6edf02-5b73-45b0-a690-3074b1c0b124",{"variation":1618,"version":1619,"items":1956,"primary":1957,"id":1963,"slice_type":1633,"slice_label":9},[],{"heading":1958,"content":1959,"link_heading":1652},"Who should consider Goods in transit insurance?",[1960],{"type":73,"text":1961,"spans":1962,"direction":76},"This cover is especially relevant for businesses that move goods as part of their normal operations. That can include retailers, wholesalers, manufacturers, courier-type operations, service businesses moving client items, and SMEs delivering stock to customers or transferring materials between sites.\n\nIt can also matter for businesses that are scaling. As operations grow, so do stock volumes, delivery frequency and exposure on the road. That is why Miway’s newer SME content often frames cover in relation to business growth rather than static risk.",[],"article_content_text$5071cfca-7b56-4c5a-a383-041b4fad69d7",{"variation":1618,"version":1619,"items":1965,"primary":1966,"id":1985,"slice_type":1633,"slice_label":9},[],{"heading":1967,"content":1968,"link_heading":1652},"How this fits into wider business insurance",[1969],{"type":73,"text":1970,"spans":1971,"direction":76},"Goods in transit insurance is usually most useful when it is seen as one part of a broader protection structure. A business moving stock on the road may also need vehicle cover, stock or asset cover, liability protection and interruption planning depending on the nature of the operation.\n\nThat is where business insurance becomes a bigger conversation. What type of insurance does a business need? helps frame different cover types, while Protecting equipment, vehicles and stock as your business scales gives a more current Miway perspective on how risk changes as a business grows.\n\nThe point is not to buy everything at once. It is to identify where the business is genuinely exposed and then match protection to those realities.",[1972,1976,1980],{"start":1973,"end":1974,"type":219,"data":1975},304,322,{"link_type":81,"url":1630,"target":1631},{"start":1977,"end":1978,"type":219,"data":1979},354,398,{"link_type":81,"url":1734,"target":1631},{"start":1981,"end":1982,"type":219,"data":1983},440,504,{"link_type":81,"url":1984,"target":1631},"https://www.miway.co.za/blog/protecting-equipment-vehicles-and-stock-as-your-business-scales","article_content_text$1b3a8082-72bf-4b31-bde9-a502b9c750bd",{"variation":1618,"version":1619,"items":1987,"primary":1988,"id":2009,"slice_type":1633,"slice_label":9},[],{"heading":1989,"content":1990,"link_heading":1652},"Common mistakes to avoid",[1991,1994,1997,2000,2003,2006],{"type":1686,"text":1992,"spans":1993,"direction":76},"Assuming the vehicle policy automatically covers the load",[],{"type":1686,"text":1995,"spans":1996,"direction":76},"Using outdated values for the goods you transport",[],{"type":1686,"text":1998,"spans":1999,"direction":76},"Ignoring route, hijacking or security conditions",[],{"type":1686,"text":2001,"spans":2002,"direction":76},"Forgetting to review cover when delivery volumes increase",[],{"type":1686,"text":2004,"spans":2005,"direction":76},"Treating Goods in transit insurance as separate from wider business continuity planning",[],{"type":73,"text":2007,"spans":2008,"direction":76},"These are the kinds of gaps that can make a policy feel present on paper but less useful in practice. A simple review of what you move, how often you move it, and what a loss would actually cost can go a long way.",[],"article_content_text$b4fd822f-549c-431f-8c63-e58396fafad4",{"variation":1618,"version":1619,"items":2011,"primary":2012,"id":2031,"slice_type":1633,"slice_label":9},[],{"heading":1758,"content":2013,"link_heading":1652},[2014,2017,2020],{"type":73,"text":2015,"spans":2016,"direction":76},"Goods in transit insurance is best understood as cover for the load while it is on the road, not automatic cover for everything connected to a transport operation. For many SMEs, it is a practical way to protect stock, materials or customer goods against theft, hijacking, accidental damage and other insured transit losses.",[],{"type":73,"text":2018,"spans":2019,"direction":76},"If your business depends on deliveries, transported stock or movement between sites, this cover can help protect cash flow and continuity when something goes wrong.",[],{"type":73,"text":2021,"spans":2022,"direction":76},"If your business moves stock, materials or customer goods by road, now is a good time to review your Miway Goods in transit cover options and explore Miway’s Goods in Transit explainer so your protection matches the way your business actually delivers.",[2023,2027],{"start":2024,"end":2025,"type":219,"data":2026},101,137,{"link_type":81,"url":1895,"target":1631},{"start":2028,"end":2029,"type":219,"data":2030},150,184,{"link_type":81,"url":1739,"target":1631},"article_content_text$a8fb1d2d-ea83-490a-86a6-2ae60379bb52","Goods in transit insurance is designed to protect items being transported by road to and from a specified business address against risks such as accidental damage, theft, hijacking, fire or other insured transit-related loss","goods in transit, git",{"dimensions":2035,"alt":1862,"copyright":9,"url":2036,"id":1864,"edit":2037},{"width":1778,"height":1779},"https://images.prismic.io/miway-website/aaBdxMFoBIGEg3Y0_business-insurance-101-v2.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":2038,"y":32,"zoom":7,"background":33},523,{"link_type":38},[2041],{"type":73,"text":2042,"spans":2043,"direction":76},"If your business moves stock, materials, equipment or customer goods by road, there is an important question to ask: what protects the items while they are on the move? Many business owners assume that if the vehicle is insured, the load inside it is automatically insured too. In practice, that is not always the case.",[],{"id":1790,"type":1791,"tags":2045,"lang":20,"slug":1793,"first_publication_date":1794,"last_publication_date":1795,"uid":1796,"link_type":411,"key":2046,"isBroken":413},[],"a643f465-90b1-483b-a257-b6d79b4b3604",[],{"dimensions":2049,"alt":1862,"copyright":9,"url":1863,"id":1864,"edit":2050},{"width":1860,"height":1861},{"x":32,"y":32,"zoom":7,"background":33},{"id":2052,"uid":2053,"url":2054,"type":1582,"href":2055,"tags":2056,"first_publication_date":2057,"last_publication_date":2057,"slugs":2058,"linked_documents":2060,"lang":20,"alternate_languages":2061,"data":2062},"aefFpBAAACQARFRV","commercial-vehicle-insurance-vs-fleet-insurance","/blog/commercial-vehicle-insurance-vs-fleet-insurance","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aeiSgxAAACIARa_u&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aefFpBAAACQARFRV%22%29+%5D%5D",[1014,653],"2026-04-21T19:01:07+0000",[2059],"2026-04-21t1845000000",[],[],{"date":2063,"heading":2064,"duration":9,"article_type":2065,"category":2068,"related_product":2072,"thumbnail":2075,"type":1615,"related_insurance":2083,"slices":2084,"meta_title":2064,"meta_description":2206,"meta_keywords":2207,"meta_image":2208,"canonical":2213,"intro":2214,"author":1788,"service_block":2218,"in_this_article":2221,"hero_image":2222},"2026-04-21T18:45:00+0000","Commercial Vehicle Insurance vs Fleet Insurance",{"id":1594,"type":1356,"tags":2066,"lang":20,"slug":657,"first_publication_date":1596,"last_publication_date":1596,"uid":657,"url":1360,"link_type":411,"key":2067,"isBroken":413},[],"2b6f174b-d18c-4e62-a24d-7f8366a00281",{"id":1599,"type":1600,"tags":2069,"lang":20,"slug":657,"first_publication_date":1602,"last_publication_date":1602,"uid":657,"url":1360,"data":2070,"link_type":411,"key":2071,"isBroken":413},[],{"name":997},"ac19811b-aa60-4629-88ec-fa7a7417c325",{"id":1011,"type":533,"tags":2073,"lang":20,"slug":1016,"first_publication_date":1017,"last_publication_date":1018,"uid":1019,"url":1020,"link_type":411,"key":2074,"isBroken":413},[537,1013,1003,1014,1015,653],"b81fe8df-7ba8-4c40-8cad-37f792eeb4bb",{"dimensions":2076,"alt":2079,"copyright":9,"url":2080,"id":2081,"edit":2082},{"width":2077,"height":2078},2881,1160,"Truck driver standing in front of truck","https://images.prismic.io/miway-website/aFkOknfc4bHWimms_Fleetbanner.jpg?auto=format,compress","aFkOknfc4bHWimms",{"x":32,"y":32,"zoom":7,"background":33},"Car",[2085,2097,2109,2121,2139,2151,2170,2188],{"variation":1618,"version":1619,"items":2086,"primary":2087,"id":2096,"slice_type":1633,"slice_label":9},[],{"heading":2088,"content":2089,"link_heading":1652},"Why vehicle insurance matters for businesses",[2090,2093],{"type":73,"text":2091,"spans":2092,"direction":76},"Vehicles are often central to business operations. Delivery companies, contractors, technicians and logistics providers depend on vehicles to serve customers and generate revenue.",[],{"type":73,"text":2094,"spans":2095,"direction":76},"When a vehicle is damaged or stolen, the impact extends beyond repair costs. Operational delays missed deliveries and customer dissatisfaction can also affect the business.",[],"article_content_text$a71d917d-3377-46e2-ab62-d03de88cc4f7",{"variation":1618,"version":1619,"items":2098,"primary":2099,"id":2108,"slice_type":1633,"slice_label":9},[],{"heading":2100,"content":2101,"link_heading":1652},"What Is Commercial Vehicle Insurance?",[2102,2105],{"type":73,"text":2103,"spans":2104,"direction":76},"Commercial vehicle insurance protects a single vehicle used for business purposes. This may include delivery vans, company cars or service vehicles.",[],{"type":73,"text":2106,"spans":2107,"direction":76},"Each vehicle is insured individually under its own policy. Businesses that operate only one or two vehicles often choose this type of coverage.",[],"article_content_text$18f5bf1a-e384-409a-bd90-c057f6b5a7ac",{"variation":1618,"version":1619,"items":2110,"primary":2111,"id":2120,"slice_type":1633,"slice_label":9},[],{"heading":2112,"content":2113,"link_heading":1652},"What is Fleet Insurance?",[2114,2117],{"type":73,"text":2115,"spans":2116,"direction":76},"Fleet Insurance allows businesses to insure multiple vehicles under one policy. Instead of managing separate policies for each vehicle, all vehicles are grouped together under one insurance structure.",[],{"type":73,"text":2118,"spans":2119,"direction":76},"This approach simplifies policy management and may make it easier for businesses to update coverage as vehicles are added, replaced or removed.",[],"article_content_text$aad74592-93fe-4c78-8f32-4241a42541cf",{"variation":1618,"version":1619,"items":2122,"primary":2123,"id":2138,"slice_type":1633,"slice_label":9},[],{"heading":2124,"content":2125,"link_heading":1652},"Key differences between Fleet and Commercial Vehicle Insurance",[2126,2129,2132,2135],{"type":1686,"text":2127,"spans":2128,"direction":76},"Commercial vehicle insurance protects individual vehicles",[],{"type":1686,"text":2130,"spans":2131,"direction":76},"Fleet Insurance covers multiple vehicles under a single policy",[],{"type":1686,"text":2133,"spans":2134,"direction":76},"Fleet policies simplify administration for growing businesses",[],{"type":1686,"text":2136,"spans":2137,"direction":76},"Fleet cover makes it easier to update insurance as the fleet expands",[],"article_content_text$c2d1dc9e-b5e9-4e76-aa23-ebfaef65d0b8",{"variation":1618,"version":1619,"items":2140,"primary":2141,"id":2150,"slice_type":1633,"slice_label":9},[],{"heading":2142,"content":2143,"link_heading":1652},"Which businesses should consider Fleet Insurance?",[2144,2147],{"type":73,"text":2145,"spans":2146,"direction":76},"Businesses that operate several vehicles may benefit from fleet coverage. This often includes delivery companies, logistics operations, contractors, field service providers and maintenance teams.",[],{"type":73,"text":2148,"spans":2149,"direction":76},"When vehicles form a central part of business operations, managing them under one insurance structure can simplify risk management.",[],"article_content_text$04b18359-cbac-421c-8d7f-1507ca66b979",{"variation":1618,"version":1619,"items":2152,"primary":2153,"id":2169,"slice_type":1633,"slice_label":9},[],{"heading":2154,"content":2155,"link_heading":1652},"How Fleet Insurance fits into Business Insurance",[2156,2162],{"type":73,"text":2157,"spans":2158,"direction":76},"Fleet Insurance is often one component of a broader business insurance strategy that protects multiple aspects of a company.",[2159],{"start":2160,"end":121,"type":219,"data":2161},52,{"link_type":81,"url":1630,"target":1631},{"type":73,"text":2163,"spans":2164,"direction":76},"Businesses may also require cover for premises, equipment, liability exposure, operational interruptions and goods in transit cover.",[2165],{"start":2166,"end":2167,"type":219,"data":2168},109,131,{"link_type":81,"url":1739,"target":1631},"article_content_text$4a767856-dd72-4fe4-9c70-f8b7b173c1d1",{"variation":1618,"version":1619,"items":2171,"primary":2172,"id":2187,"slice_type":1633,"slice_label":9},[],{"heading":2173,"content":2174,"link_heading":1652},"Advantages of Fleet Insurance",[2175,2178,2181,2184],{"type":1686,"text":2176,"spans":2177,"direction":76},"Simplified policy administration",[],{"type":1686,"text":2179,"spans":2180,"direction":76},"Coverage for multiple vehicles under one structure",[],{"type":1686,"text":2182,"spans":2183,"direction":76},"Easier updates when vehicles change",[],{"type":1686,"text":2185,"spans":2186,"direction":76},"Improved oversight of fleet risk",[],"article_content_text$1402d57d-8569-4f80-a3fc-dbd2814f81b1",{"variation":1618,"version":1619,"items":2189,"primary":2190,"id":2205,"slice_type":1633,"slice_label":9},[],{"heading":1758,"content":2191,"link_heading":1652},[2192,2195,2198],{"type":73,"text":2193,"spans":2194,"direction":76},"Commercial vehicle insurance can work well for businesses operating a small number of vehicles. However, organisations managing multiple vehicles may benefit from Fleet Insurance because it simplifies policy management and provides structured coverage.",[],{"type":73,"text":2196,"spans":2197,"direction":76},"Choosing the right insurance approach depends on the size of the fleet, the nature of the business and the operational risks involved.",[],{"type":73,"text":2199,"spans":2200,"direction":76},"To explore protection for company vehicles, review Miway business insurance solutions designed for South African businesses.",[2201],{"start":2202,"end":2203,"type":219,"data":2204},51,75,{"link_type":81,"url":1630,"target":1631},"article_content_text$ea4f2a60-42fa-4a3c-a41e-a1dec721805c","Understanding the difference between commercial vehicle insurance and Fleet Insurance can help business owners choose the most appropriate protection for their operations","fleet insurance",{"dimensions":2209,"alt":2079,"copyright":9,"url":2210,"id":2081,"edit":2211},{"width":1778,"height":1779},"https://images.prismic.io/miway-website/aFkOknfc4bHWimms_Fleetbanner.jpg?auto=format,compress&rect=336,0,2210,1160&w=2400&h=1260",{"x":2212,"y":32,"zoom":7,"background":33},336,{"link_type":38},[2215],{"type":73,"text":2216,"spans":2217,"direction":76},"Businesses that rely on vehicles often face an important decision when choosing insurance coverage. Should each vehicle be insured individually, or should the business consider Fleet Insurance?\n\nUnderstanding the difference between commercial vehicle insurance and Fleet Insurance can help business owners choose the most appropriate protection for their operations.",[],{"id":1790,"type":1791,"tags":2219,"lang":20,"slug":1793,"first_publication_date":1794,"last_publication_date":1795,"uid":1796,"link_type":411,"key":2220,"isBroken":413},[],"8a0d978f-725b-402f-b5d1-cf05888f0733",[],{"dimensions":2223,"alt":2079,"copyright":9,"url":2080,"id":2081,"edit":2224},{"width":2077,"height":2078},{"x":32,"y":32,"zoom":7,"background":33},{"id":2226,"uid":2227,"url":2228,"type":1582,"href":2229,"tags":2230,"first_publication_date":2231,"last_publication_date":2232,"slugs":2233,"linked_documents":2235,"lang":20,"alternate_languages":2236,"data":2237},"Z9gz_xIAACgAiMjJ","3-mistakes-that-could-sink-your-yellow-metal-business","/blog/3-mistakes-that-could-sink-your-yellow-metal-business","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aeiSgxAAACIARa_u&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z9gz_xIAACgAiMjJ%22%29+%5D%5D",[1003,653,976],"2025-03-17T14:39:10+0000","2026-04-21T18:42:20+0000",[2234],"2026-04-20t0700000000",[],[],{"date":2238,"heading":2239,"duration":126,"article_type":2240,"category":2243,"related_product":2247,"thumbnail":2250,"type":1615,"related_insurance":9,"slices":2258,"meta_title":2350,"meta_description":2351,"meta_keywords":2352,"meta_image":2353,"canonical":2358,"intro":2359,"author":1788,"service_block":2367,"in_this_article":2370,"hero_image":2371},"2026-04-20T07:00:00+0000","3 Mistakes that Could Sink your Yellow Metal Business",{"id":1402,"type":1356,"tags":2241,"lang":20,"slug":1404,"first_publication_date":1405,"last_publication_date":1405,"uid":1404,"url":1360,"link_type":411,"key":2242,"isBroken":413},[],"f8bb94c6-7c8a-4fb6-a0ff-1b3a79c4d5e2",{"id":1599,"type":1600,"tags":2244,"lang":20,"slug":657,"first_publication_date":1602,"last_publication_date":1602,"uid":657,"url":1360,"data":2245,"link_type":411,"key":2246,"isBroken":413},[],{"name":997},"720f1a63-9835-4625-8ab8-1439d3a533f1",{"id":1267,"type":533,"tags":2248,"lang":20,"slug":1269,"first_publication_date":1270,"last_publication_date":1271,"uid":1269,"url":1272,"link_type":411,"key":2249,"isBroken":413},[653,1003,537],"6cd83fc1-5c1e-482c-9791-8d4ac1054d8b",{"dimensions":2251,"alt":2254,"copyright":9,"url":2255,"id":2256,"edit":2257},{"width":2252,"height":2253},980,490,"Huge bulldozer","https://images.prismic.io/miway-website/Z9gzeziBA97GijgZ_3_Mistakes_that_Could_Sink_your_Yellow_Metal_Business.jpeg?auto=format,compress","Z9gzeziBA97GijgZ",{"x":32,"y":32,"zoom":7,"background":33},[2259,2271,2283,2298,2328],{"variation":1618,"version":1619,"items":2260,"primary":2261,"id":2270,"slice_type":1633,"slice_label":9},[],{"heading":9,"content":2262,"link_heading":413},[2263],{"type":73,"text":2264,"spans":2265,"direction":76},"That is why a smart mix of operational discipline and the right business insurance matters. The goal is not just to insure an asset, but to protect your ability to keep working when something goes wrong.",[2266],{"start":2267,"end":2268,"type":219,"data":2269},64,82,{"link_type":81,"url":1630,"target":1631},"article_content_text$20ef0274-d39c-4f5e-b03e-7ffedf147d05",{"variation":1618,"version":1619,"items":2272,"primary":2273,"id":2282,"slice_type":1633,"slice_label":9},[],{"heading":2274,"content":2275,"link_heading":1652},"Eight out of ten small businesses could fail within the first five years. Avoid these mistakes:",[2276,2279],{"type":73,"text":2277,"spans":2278,"direction":76},"The original article made a broad failure-rate claim. A stronger 2026 refresh keeps the practical warning, but grounds the message in current business reality: margins are tight, equipment is expensive, and downtime can hurt small businesses fast.",[],{"type":73,"text":2280,"spans":2281,"direction":76},"Absa’s 2025 Small Business Growth Index notes that South Africa’s SMME sector contributes around 34% of GDP and about 60% of employment, which reinforces how important resilient small businesses are to the wider economy. Meanwhile, Statistics South Africa reported annual inflation in mining and construction plant and equipment prices during 2025, underlining how costly repair and replacement can become when equipment is damaged or stolen.",[],"article_content_text$fac3eec4-6bef-409a-8464-75298bf46d1f",{"variation":1618,"version":1619,"items":2284,"primary":2285,"id":2297,"slice_type":1633,"slice_label":9},[],{"heading":2286,"content":2287,"link_heading":1652},"Not doing risk management",[2288,2291,2294],{"type":73,"text":2289,"spans":2290,"direction":76},"Consider the risks facing loaders, graders, excavators and other yellow metal assets. On-site accidents, operator error, poor storage, weather exposure, vandalism and theft can all interrupt work and drain cash flow.",[],{"type":73,"text":2292,"spans":2293,"direction":76},"Good risk management means more than locking a gate at night. It includes operator training, scheduled inspections, service records, route planning, site security, asset registers and clear incident-response steps. In practical terms, this reduces claims, limits downtime and gives your business a better chance of getting back to work quickly.",[],{"type":73,"text":2295,"spans":2296,"direction":76},"A refreshed article should keep this point simple: risk management is not separate from insurance. It strengthens it. When your business can show that it manages equipment responsibly, it supports better operational resilience.",[],"article_content_text$be58457f-e26d-43ad-b12a-25e21daf0a5f",{"variation":1618,"version":1619,"items":2299,"primary":2300,"id":2327,"slice_type":1633,"slice_label":9},[],{"heading":2301,"content":2302,"link_heading":1652},"Not having the right business insurance in place",[2303,2306],{"type":73,"text":2304,"spans":2305,"direction":76},"Not every policy is designed for the way a yellow metal business actually works. If machinery is transported between sites, used alongside commercial vehicles or exposed to third-party risks, the cover structure needs to reflect that reality.",[],{"type":73,"text":2307,"spans":2308,"direction":76},"For businesses moving equipment or materials, truck insurance and goods in transit cover can become an important part of the conversation. If third-party exposure is part of the job, liability insurance may also need to be considered alongside core business insurance.",[2309,2314,2318,2323],{"start":2310,"end":2311,"type":219,"data":2312},46,61,{"link_type":81,"url":2313,"target":1631},"https://www.miway.co.za/business-insurance/truck-insurance",{"start":2315,"end":2316,"type":219,"data":2317},66,88,{"link_type":81,"url":1895,"target":1631},{"start":2319,"end":2320,"type":219,"data":2321},183,202,{"link_type":81,"url":2322,"target":1631},"https://www.miway.co.za/business-insurance/liability-insurance",{"start":2324,"end":2325,"type":219,"data":2326},249,267,{"link_type":81,"url":1630,"target":1631},"article_content_text$ee22aeab-354c-4b94-867a-230a24112620",{"variation":1618,"version":1619,"items":2329,"primary":2330,"id":2349,"slice_type":1633,"slice_label":9},[],{"heading":2331,"content":2332,"link_heading":1652},"Not considering the size of your fleet",[2333,2336,2339,2342],{"type":73,"text":2334,"spans":2335,"direction":76},"If your business has grown from a few vehicles or machines into a wider fleet, your insurance should grow with it. The risk profile of a small operator is different from that of a business managing several trucks, trailers, machines or operators across multiple sites.",[],{"type":73,"text":2337,"spans":2338,"direction":76},"This is where under-insurance and outdated sums insured become dangerous. A policy that made sense a year ago may not reflect your current replacement costs, your transport patterns or your actual exposure to theft, accidental damage and liability.",[],{"type":73,"text":2340,"spans":2341,"direction":76},"A better refresh keeps the original point, but updates it with a clearer business message: as your fleet grows, review your cover before a loss happens, not after.",[],{"type":73,"text":2343,"spans":2344,"direction":76},"If your business relies on yellow metal, trucks or specialist equipment, review your current cover before the next incident tests it. Explore Miway business insurance solutions and speak to Miway about cover that fits the scale and realities of your operation.",[2345],{"start":2346,"end":2347,"type":219,"data":2348},142,176,{"link_type":81,"url":1630,"target":1631},"article_content_text$be7bb86a-599c-4d14-8070-cd90f0a7522e","3 Mistakes that Could Sink Your Yellow Metal Business","Avoid costly mistakes when managing heavy equipment. Learn three risks that could sink your yellow metal business and how the right business insurance protects you","yellow metals",{"dimensions":2354,"alt":2355,"copyright":9,"url":2356,"id":2256,"edit":2357},{"width":1778,"height":1779},"Huge Bulldozer","https://images.prismic.io/miway-website/Z9gzeziBA97GijgZ_3_Mistakes_that_Could_Sink_your_Yellow_Metal_Business.jpeg?auto=format,compress&rect=23,0,933,490&w=2400&h=1260",{"x":31,"y":32,"zoom":7,"background":33},{"link_type":38},[2360],{"type":73,"text":2361,"spans":2362,"direction":76},"Small, medium and micro enterprises (SMMEs) remain a vital part of South Africa’s economy, especially in sectors such as construction, mining, logistics and infrastructure. If your business depends on yellow metal, the cost of equipment damage, theft, transport loss or downtime can put pressure on cash flow and project delivery.",[2363],{"start":2364,"end":2365,"type":2366},173,214,"strong",{"id":1790,"type":1791,"tags":2368,"lang":20,"slug":1793,"first_publication_date":1794,"last_publication_date":1795,"uid":1796,"link_type":411,"key":2369,"isBroken":413},[],"f5dad0c9-4e8f-4c6c-bb44-79c8a8c8f360",[],{"dimensions":2372,"alt":2254,"copyright":9,"url":2255,"id":2256,"edit":2373},{"width":2252,"height":2253},{"x":32,"y":32,"zoom":7,"background":33},{"id":2375,"uid":2376,"url":2377,"type":1582,"href":2378,"tags":2379,"first_publication_date":2380,"last_publication_date":2381,"slugs":2382,"linked_documents":2384,"lang":20,"alternate_languages":2385,"data":2386},"acuhABAAACIABAmv","ehailing-drivers-urged-for-transparency-to-avoid-risks","/blog/ehailing-drivers-urged-for-transparency-to-avoid-risks","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aeiSgxAAACIARa_u&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22acuhABAAACIABAmv%22%29+%5D%5D",[653,1014],"2026-03-31T11:10:13+0000","2026-03-31T11:29:07+0000",[2383],"2026-03-31t1110000000",[],[],{"date":2387,"heading":2388,"duration":9,"article_type":2389,"category":2392,"related_product":2396,"thumbnail":2399,"type":1615,"related_insurance":2083,"slices":2405,"meta_title":2388,"meta_description":2478,"meta_keywords":2479,"meta_image":2480,"canonical":2484,"intro":2485,"author":1788,"service_block":2493,"in_this_article":2500,"hero_image":2501},"2026-03-31T11:10:00+0000","SA’s e‑hailing drivers urged for transparency to avoid risks",{"id":1594,"type":1356,"tags":2390,"lang":20,"slug":657,"first_publication_date":1596,"last_publication_date":1596,"uid":657,"url":1360,"link_type":411,"key":2391,"isBroken":413},[],"53c879c1-6ef0-4e37-8974-af92d36bb503",{"id":1599,"type":1600,"tags":2393,"lang":20,"slug":657,"first_publication_date":1602,"last_publication_date":1602,"uid":657,"url":1360,"data":2394,"link_type":411,"key":2395,"isBroken":413},[],{"name":997},"a67a7097-4e1c-4538-ba95-e80cf0a04840",{"id":1011,"type":533,"tags":2397,"lang":20,"slug":1016,"first_publication_date":1017,"last_publication_date":1018,"uid":1019,"url":1020,"link_type":411,"key":2398,"isBroken":413},[537,1013,1003,1014,1015,653],"e36e40d0-7501-4e9b-81af-dc6ccfc20c3f",{"dimensions":2400,"alt":2401,"copyright":9,"url":2402,"id":2403,"edit":2404},{"width":1860,"height":1861},"Woman on phone booking an Uber","https://images.prismic.io/miway-website/acuhupGXnQHGZH9e_ehailing-transparancy.jpg?auto=format,compress","acuhupGXnQHGZH9e",{"x":32,"y":32,"zoom":7,"background":33},[2406,2419,2433,2442,2451,2460,2469],{"variation":1618,"version":1619,"items":2407,"primary":2408,"id":2418,"slice_type":1633,"slice_label":9},[],{"heading":9,"content":2409,"link_heading":413},[2410],{"type":73,"text":2411,"spans":2412,"direction":76},"An alarming trend is emerging within South Africa’s e-hailing sector, raising concerns in the insurance industry, with some drivers opting for personal vehicle insurance instead of commercial cover in an attempt to save on monthly premiums. While this may appear to offer short-term savings, the potential risks can be significant.",[2413],{"start":2414,"end":2415,"type":219,"data":2416},143,170,{"link_type":81,"url":2417,"target":1631},"https://www.miway.co.za/car-insurance","article_content_text$cf818102-fca9-410d-9d6b-f82b3f5bc625",{"variation":1618,"version":1619,"items":2420,"primary":2421,"id":2432,"slice_type":1633,"slice_label":9},[],{"heading":2422,"content":2423,"link_heading":1652},"Why is it important to disclose the correct use of a vehicle?",[2424],{"type":73,"text":2425,"spans":2426,"direction":76},"Failing to insure a vehicle correctly for commercial use can lead to significant risks. If a vehicle is being used for e-hailing and this has not been disclosed to the insurer, any claim arising from that vehicle – whether due to accident, theft or third-party injury, may be rejected outright on the basis of misrepresentation.",[2427],{"start":2428,"end":2429,"type":219,"data":2430},119,128,{"link_type":81,"url":2431,"target":1631},"https://www.miway.co.za/business-insurance/e-hailing-insurance","article_content_text$90d8eeb5-470d-4d60-908e-90d225048d81",{"variation":1618,"version":1619,"items":2434,"primary":2435,"id":2441,"slice_type":1633,"slice_label":9},[],{"heading":2436,"content":2437,"link_heading":1652},"What is material misrepresentation?",[2438],{"type":73,"text":2439,"spans":2440,"direction":76},"In insurance terms, material misrepresentation occurs when a policyholder provides false, incomplete or misleading information to an insurer, whether at policy inception, renewal or claim stage. This means that even if a driver initially insured their vehicle for personal use but later began using it for e-hailing without informing their insurer, they still risk having a claim declined.",[],"article_content_text$eea3cb94-3411-41f0-a841-61364383d2eb",{"variation":1618,"version":1619,"items":2443,"primary":2444,"id":2450,"slice_type":1633,"slice_label":9},[],{"heading":2445,"content":2446,"link_heading":1652},"How is e-hailing different to private or general business purposes?",[2447],{"type":73,"text":2448,"spans":2449,"direction":76},"Once a vehicle is used to transport fare‑paying passengers, its risk profile changes significantly. From an insurance perspective, the vehicle is no longer being used for private or general business purposes, but for fare-paying passenger transport, which carries significantly higher exposure.",[],"article_content_text$9de9604c-0655-41ff-accb-45bfe94378c6",{"variation":1618,"version":1619,"items":2452,"primary":2453,"id":2459,"slice_type":1633,"slice_label":9},[],{"heading":2454,"content":2455,"link_heading":1652},"Does standard business-use vehicle insurance automatically cover e-hailing?",[2456],{"type":73,"text":2457,"spans":2458,"direction":76},"Another common misconception is that standard business-use vehicle insurance automatically covers e-hailing activities. The moment a driver accepts a ride through an e-hailing platform, the vehicle is effectively operating commercially, and a standard business policy does not automatically extend to cover this.",[],"article_content_text$f15319dc-04da-4666-b60d-6a0ddfc62b30",{"variation":1618,"version":1619,"items":2461,"primary":2462,"id":2468,"slice_type":1633,"slice_label":9},[],{"heading":2463,"content":2464,"link_heading":1652},"What risk is involved when vehicle use is incorrect?",[2465],{"type":73,"text":2466,"spans":2467,"direction":76},"Beyond the risks to drivers themselves, insurance brokers also have a responsibility to ensure clients are properly advised when vehicles may be used commercially. From a broker’s perspective, proceeding with personal lines cover while aware that the client intends to use the vehicle commercially, even at a later stage, exposes both the client and the broker to unnecessary risk.",[],"article_content_text$1c7bd466-baef-4448-baa7-e4aa8af16c1f",{"variation":1618,"version":1619,"items":2470,"primary":2471,"id":2477,"slice_type":1633,"slice_label":9},[],{"heading":2472,"content":2473,"link_heading":1652},"The bottom line",[2474],{"type":73,"text":2475,"spans":2476,"direction":76},"Insurance works on the principle of full disclosure. Drivers must ensure that their insurer knows exactly how their vehicle is being used so that the correct cover is in place. While commercial cover may cost slightly more upfront, it ensures drivers are protected should something go wrong.",[],"article_content_text$5f66b521-dd0f-4ac7-a45b-9cd31d7b1318","An alarming trend is emerging within South Africa’s e-hailing sector with some drivers opting for personal vehicle insurance instead of commercial cover","ehailing insurance",{"dimensions":2481,"alt":2401,"copyright":9,"url":2482,"id":2403,"edit":2483},{"width":1778,"height":1779},"https://images.prismic.io/miway-website/acuhupGXnQHGZH9e_ehailing-transparancy.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":2038,"y":32,"zoom":7,"background":33},{"link_type":38},[2486],{"type":73,"text":2487,"spans":2488,"direction":76},"South Africa’s e-hailing economy has expanded rapidly in recent years, with an estimated 150 000 drivers currently operating across the country[i]. Many of these drivers work part time, using platforms after hours to supplement their income, while others rely on e-hailing as their primary source of income. ",[2489],{"start":2490,"end":2491,"type":2492},306,307,"em",{"id":2494,"type":1791,"tags":2495,"lang":20,"slug":649,"first_publication_date":2496,"last_publication_date":2497,"uid":2498,"link_type":411,"key":2499,"isBroken":413},"ZwYbiRAAACEAp-qZ",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block","480ba581-77d3-4131-97ff-0d1e30a78b63",[],{"dimensions":2502,"alt":2401,"copyright":9,"url":2402,"id":2403,"edit":2503},{"width":1860,"height":1861},{"x":32,"y":32,"zoom":7,"background":33},1776872714074]