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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","article_content_text",{"variation":1505,"version":1506,"items":1516,"primary":1517,"id":1526,"slice_type":1514,"slice_label":9},[],{"heading":1518,"content":1519,"link_heading":1363},"Start with an accurate policy review",[1520,1523],{"type":70,"text":1521,"spans":1522,"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":1524,"spans":1525,"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$1a8c01d1-d5d6-42bb-9846-e49638793f5c",{"variation":1505,"version":1506,"items":1528,"primary":1529,"id":1542,"slice_type":1514,"slice_label":9},[],{"heading":1530,"content":1531,"link_heading":1363},"Choose the excess carefully",[1532,1539],{"type":70,"text":1533,"spans":1534,"direction":73},"The excess is the amount the policyholder must contribute to an accepted claim. A higher voluntary excess may lower the monthly premium, but it transfers more cost to you. Ask for quotes at several excess levels and compare the total financial effect.",[1535],{"start":156,"end":1536,"type":216,"data":1537},10,{"link_type":78,"url":1538,"target":135},"https://www.miway.co.za/car-insurance-excess",{"type":70,"text":1540,"spans":1541,"direction":73},"Keep at least the selected excess accessible in emergency savings. Also check whether additional excesses apply for young drivers, late-night incidents, unlisted drivers, theft or other circumstances.",[],"article_content_text$dfd89df5-ff90-4872-a0ad-6ceba1cbf52d",{"variation":1505,"version":1506,"items":1544,"primary":1545,"id":1554,"slice_type":1514,"slice_label":9},[],{"heading":1546,"content":1547,"link_heading":1363},"Keep essential cover and reassess optional benefits",[1548,1551],{"type":70,"text":1549,"spans":1550,"direction":73},"Separate core risks from convenience benefits. Accident, theft, hijacking, weather and third-party liability losses can be financially severe. 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Compare the saving with the likely alternative transport cost.",[],{"subheading":1635,"list":1636,"link_subsection":1363},"Is cancelling insurance the fastest way to save?",[1637],{"type":70,"text":1638,"spans":1639,"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},[1647],{"type":70,"text":1511,"spans":1648,"direction":73},[],"Miway",{"id":1651,"type":1652,"tags":1653,"lang":16,"slug":631,"first_publication_date":1654,"last_publication_date":1655,"uid":1656,"data":1657,"link_type":393,"key":1695,"isBroken":395},"ZwYbiRAAACEAp-qZ","service_block",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block",{"description":1658,"cta_text":1316,"cta_link_href":1666,"buttons":1669,"pictogram":1682,"title":706},[1659],{"type":70,"text":1660,"spans":1661,"direction":73},"A way to protect your car and pay less for your cover. Just what you want!",[1662],{"start":1663,"end":1664,"type":1665},26,29,"em",{"id":626,"type":515,"tags":1667,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":1668,"isBroken":395},[519],"df3f5962-daae-4e19-ac70-ef188b87fd0c",[1670,1676],{"button_text":1671,"button_link":1672,"button_colour":1675,"button_variant":1505,"functionality":1671},"Call me back",{"link_type":78,"key":1673,"url":1674},"60025c2d-f431-4863-a505-be4c3df58a8a","#button","white",{"button_text":1677,"button_link":1678,"button_colour":1675,"button_variant":1681,"functionality":1677},"Get my quote",{"link_type":78,"key":1679,"url":1680},"ab10dc5c-9813-4473-b782-486b1325356f","#quote","outline",{"dimensions":1683,"alt":9,"copyright":9,"url":1686,"id":1687,"edit":1688,"mobile":1689},{"width":1684,"height":1685},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":1690,"alt":9,"copyright":9,"url":1693,"id":1687,"edit":1694},{"width":1691,"height":1692},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},"280124b6-74db-451a-a082-bf6c5b570e9d",[],{"dimensions":1698,"alt":1497,"copyright":9,"url":1498,"id":1499,"edit":1699},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},[1701,1908,2083,2247],{"id":1702,"uid":1703,"url":1704,"type":1469,"href":1705,"tags":1706,"first_publication_date":1707,"last_publication_date":1707,"slugs":1708,"linked_documents":1710,"lang":16,"alternate_languages":1711,"data":1712},"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=asdvMRIAAC0A1xvb&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asdrEBIAACcA1xMi%22%29+%5D%5D",[760,958,1472],"2026-10-08T10:23:44+0000",[1709],"2026-10-08t1000000000",[],[],{"date":1713,"heading":1714,"duration":9,"article_type":1715,"category":1718,"related_product":1722,"thumbnail":1725,"type":1501,"related_insurance":784,"slices":1731,"meta_title":1884,"meta_description":1885,"meta_keywords":1886,"meta_image":1887,"canonical":1894,"intro":1895,"author":1649,"service_block":1898,"in_this_article":1904,"hero_image":1905},"2026-10-08T10:00:00+0000","How to calculate the value of your home contents and avoid underinsurance",{"id":1366,"type":1339,"tags":1716,"lang":16,"slug":1368,"first_publication_date":1369,"last_publication_date":1369,"uid":1368,"url":1343,"link_type":393,"key":1717,"isBroken":395},[],"76a185d3-6918-4db0-8152-e77892cdb60f",{"id":1485,"type":1486,"tags":1719,"lang":16,"slug":1377,"first_publication_date":1488,"last_publication_date":1488,"uid":1377,"url":1343,"data":1720,"link_type":393,"key":1721,"isBroken":395},[],{"name":680},"9f895797-68d8-4099-8999-79aba2c25100",{"id":804,"type":515,"tags":1723,"lang":16,"slug":806,"first_publication_date":807,"last_publication_date":808,"uid":809,"url":810,"link_type":393,"key":1724,"isBroken":395},[517,688,519],"da09e7c7-c5f4-4ec8-9617-4379e09b0b2b",{"dimensions":1726,"alt":1727,"copyright":9,"url":1728,"id":1729,"edit":1730},{"width":1495,"height":1496},"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},[1732,1740,1752,1779,1791,1818,1840,1848],{"variation":1505,"version":1506,"items":1733,"primary":1734,"id":1739,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":1735,"link_heading":1363},[1736],{"type":70,"text":1737,"spans":1738,"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":1741,"primary":1742,"id":1751,"slice_type":1514,"slice_label":9},[],{"heading":1743,"content":1744,"link_heading":1363},"What is underinsurance",[1745,1748],{"type":70,"text":1746,"spans":1747,"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":1749,"spans":1750,"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$cb1aed01-256b-4099-aadc-0830e03d185e",{"variation":1505,"version":1506,"items":1753,"primary":1754,"id":1778,"slice_type":1514,"slice_label":9},[],{"heading":1755,"content":1756,"link_heading":1363},"How to calculate home contents value",[1757,1760,1763,1766,1769,1772,1775],{"type":70,"text":1758,"spans":1759,"direction":73},"·       Walk through every room, garage, storeroom and outdoor living area.",[],{"type":70,"text":1761,"spans":1762,"direction":73},"·       List furniture, appliances, electronics, clothing, linen, kitchenware, tools, books, décor, sports equipment and other belongings.",[],{"type":70,"text":1764,"spans":1765,"direction":73},"·       Use current retail replacement prices, not what the items originally cost or their second-hand value.",[],{"type":70,"text":1767,"spans":1768,"direction":73},"·       Record quantities for groups such as clothing, crockery and bedding.",[],{"type":70,"text":1770,"spans":1771,"direction":73},"·       Obtain current professional valuations for jewellery, art or collectibles where required.",[],{"type":70,"text":1773,"spans":1774,"direction":73},"·       Add the room totals and retain a reasonable allowance for small forgotten items.",[],{"type":70,"text":1776,"spans":1777,"direction":73},"A spreadsheet, home-inventory app, photos and short videos can make the review easier. Store copies securely away from the home or in protected cloud storage.",[],"article_content_text$e47ea243-782d-4be9-881a-2a4f408f57e3",{"variation":1505,"version":1506,"items":1780,"primary":1781,"id":1790,"slice_type":1514,"slice_label":9},[],{"heading":1782,"content":1783,"link_heading":1363},"Items people often forget",[1784,1787],{"type":70,"text":1785,"spans":1786,"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":1788,"spans":1789,"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$c4e90129-73fe-4d17-b4cd-19133076a1f9",{"variation":1505,"version":1506,"items":1792,"primary":1793,"id":1817,"slice_type":1514,"slice_label":9},[],{"heading":1794,"content":1795,"link_heading":1363},"When to update the insured amount",[1796,1799,1802,1805,1808,1811,1814],{"type":70,"text":1797,"spans":1798,"direction":73},"·       After moving or renovating",[],{"type":70,"text":1800,"spans":1801,"direction":73},"·       After buying furniture, appliances or electronics",[],{"type":70,"text":1803,"spans":1804,"direction":73},"·       After receiving jewellery, art or inherited items",[],{"type":70,"text":1806,"spans":1807,"direction":73},"·       When replacement prices rise materially",[],{"type":70,"text":1809,"spans":1810,"direction":73},"·       When household members move in or out",[],{"type":70,"text":1812,"spans":1813,"direction":73},"·       At every annual policy review",[],{"type":70,"text":1815,"spans":1816,"direction":73},"Tell the insurer about material changes rather than waiting for renewal. Keep receipts, serial numbers, photographs and valuation certificates where available.",[],"article_content_text$c75ab059-64e6-41ab-9a34-da26cc8b5c19",{"variation":1505,"version":1506,"items":1819,"primary":1820,"id":1839,"slice_type":1514,"slice_label":9},[],{"heading":1821,"content":1822,"link_heading":1363},"How to reduce the risk of a claim shortfall",[1823,1826],{"type":70,"text":1824,"spans":1825,"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":1827,"spans":1828,"direction":73},"Miway’s home insurance information and underinsurance guide provide a useful starting point for reviewing household cover.",[1829,1834],{"start":1830,"end":1831,"type":216,"data":1832},8,22,{"link_type":78,"url":1833,"target":135},"https://www.miway.co.za/home-insurance",{"start":1835,"end":1836,"type":216,"data":1837},39,59,{"link_type":78,"url":1838,"target":135},"https://www.miway.co.za/blog/how-to-avoid-underinsuring-your-household-contents","article_content_text$740d0c64-c9f0-4b12-9d44-6c0466bfd231",{"variation":1505,"version":1506,"items":1841,"primary":1842,"id":1847,"slice_type":1514,"slice_label":9},[],{"heading":1597,"content":1843,"link_heading":1363},[1844],{"type":70,"text":1845,"spans":1846,"direction":73},"A reliable contents value comes from an inventory, not a guess. Price every room at current replacement cost, document high-value possessions and refresh the total regularly. The few hours spent recording belongings can reduce uncertainty when a loss occurs.",[],"article_content_text$bc3355d7-0e45-4c57-bfca-3e51afd3bb51",{"variation":1604,"version":1506,"items":1849,"primary":1850,"id":1883,"slice_type":1514,"slice_label":9},[],{"heading":1607,"content":1851,"sub_sections":1852,"link_heading":1363},[],[1853,1859,1865,1871,1877],{"subheading":1854,"list":1855,"link_subsection":1363},"Should home contents be insured at purchase price or replacement value?",[1856],{"type":70,"text":1857,"spans":1858,"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":1860,"list":1861,"link_subsection":1363},"What is the average clause?",[1862],{"type":70,"text":1863,"spans":1864,"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":1866,"list":1867,"link_subsection":1363},"How often should I value my home contents?",[1868],{"type":70,"text":1869,"spans":1870,"direction":73},"Review the value at least annually and after major purchases, renovations, gifts, inheritance or significant price changes.",[],{"subheading":1872,"list":1873,"link_subsection":1363},"Do I need receipts for every item?",[1874],{"type":70,"text":1875,"spans":1876,"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":1878,"list":1879,"link_subsection":1363},"Are laptops and jewellery covered outside the home?",[1880],{"type":70,"text":1881,"spans":1882,"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":1888,"alt":1727,"copyright":9,"url":1891,"id":1729,"edit":1892},{"width":1889,"height":1890},2400,1260,"https://images.prismic.io/miway-website/RGJ_MMzYkT0EIvwB_Image7-1-.jpg?auto=format,compress&rect=501,0,1160,609&w=2400&h=1260",{"x":1893,"y":28,"zoom":29,"background":30},501,{"link_type":35},[1896],{"type":70,"text":1737,"spans":1897,"direction":73},[],{"id":1899,"type":1652,"tags":1900,"lang":16,"slug":776,"first_publication_date":1901,"last_publication_date":1902,"uid":776,"link_type":393,"key":1903,"isBroken":395},"akuheBEAACsACNSf",[760,688],"2026-07-06T13:17:07+0000","2026-07-07T07:58:00+0000","4cdcd398-4d1d-4bf3-90f9-28bc3588baf4",[],{"dimensions":1906,"alt":1727,"copyright":9,"url":1728,"id":1729,"edit":1907},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},{"id":1909,"uid":1910,"url":1911,"type":1469,"href":1912,"tags":1913,"first_publication_date":1914,"last_publication_date":1914,"slugs":1915,"linked_documents":1917,"lang":16,"alternate_languages":1918,"data":1919},"asdL_xIAAC0A1ta6","car-insurance-types-in-south-africa-compared","/blog/car-insurance-types-in-south-africa-compared","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=asdvMRIAAC0A1xvb&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asdL_xIAAC0A1ta6%22%29+%5D%5D",[624,1472,958],"2026-10-08T08:13:41+0000",[1916],"how-to-choose-the-right-level-of-cover",[],[],{"date":1479,"heading":1920,"duration":9,"article_type":1921,"category":1924,"related_product":1928,"thumbnail":1931,"type":1501,"related_insurance":1502,"slices":1937,"meta_title":1920,"meta_description":2066,"meta_keywords":1933,"meta_image":2067,"canonical":2071,"intro":2072,"author":1649,"service_block":2076,"in_this_article":2079,"hero_image":2080},"Car Insurance Types in South Africa Compared",{"id":1338,"type":1339,"tags":1922,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":1923,"isBroken":395},[],"6c8d043a-3ef6-43ca-9678-36e952aee9b2",{"id":1485,"type":1486,"tags":1925,"lang":16,"slug":1377,"first_publication_date":1488,"last_publication_date":1488,"uid":1377,"url":1343,"data":1926,"link_type":393,"key":1927,"isBroken":395},[],{"name":680},"7b680ceb-4881-46b3-88d8-0ed5f169c2fe",{"id":626,"type":515,"tags":1929,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":1930,"isBroken":395},[519],"9d762204-2339-4f1e-b257-f65305ad2453",{"dimensions":1932,"alt":1933,"copyright":9,"url":1934,"id":1935,"edit":1936},{"width":1495,"height":1496},"types of car insurance","https://images.prismic.io/miway-website/gVxfhM3sGH-ofcPJ_Image2-1-.jpg?auto=format,compress","gVxfhM3sGH-ofcPJ",{"x":28,"y":28,"zoom":29,"background":30},[1938,1959,1971,1983,2013,2022,2030],{"variation":1505,"version":1506,"items":1939,"primary":1940,"id":1958,"slice_type":1514,"slice_label":9},[],{"heading":1941,"content":1942,"link_heading":1363},"What is comprehensive car insurance",[1943,1955],{"type":70,"text":1944,"spans":1945,"direction":73},"Comprehensive car insurance generally covers accidental loss of or damage to your own insured vehicle and liability for damage to another party’s property. Depending on the policy, insured events may include collisions, theft, hijacking, fire, hail, storm or flood. Limits, exclusions and excesses apply.",[1946,1951],{"start":1947,"end":1948,"type":216,"data":1949},14,27,{"link_type":78,"url":1950,"target":135},"https://www.miway.co.za/car-insurance",{"start":1952,"end":1953,"type":216,"data":1954},289,297,{"link_type":78,"url":1538,"target":135},{"type":70,"text":1956,"spans":1957,"direction":73},"It is often considered when a vehicle is financed, valuable, difficult to replace from savings, or used frequently. A finance agreement may require appropriate cover even though private car insurance is not generally compulsory under South African law.",[],"article_content_text$4c19a89e-cfec-48f5-8120-2452e7d99b82",{"variation":1505,"version":1506,"items":1960,"primary":1961,"id":1970,"slice_type":1514,"slice_label":9},[],{"heading":1962,"content":1963,"link_heading":1363},"What is third party fire and theft insurance",[1964,1967],{"type":70,"text":1965,"spans":1966,"direction":73},"Third-party, fire and theft insurance generally covers legal liability for damage to another person’s property and loss of or damage to the insured car from specified events such as fire, theft or hijacking. It normally does not cover accidental collision damage to your own vehicle.",[],{"type":70,"text":1968,"spans":1969,"direction":73},"This middle option may suit an unfinanced vehicle whose owner wants theft and fire protection but is willing and able to fund their own accident repairs.",[],"article_content_text$0cccd78c-cb01-4895-bff8-c90586727a84",{"variation":1505,"version":1506,"items":1972,"primary":1973,"id":1982,"slice_type":1514,"slice_label":9},[],{"heading":1974,"content":1975,"link_heading":1363},"What is third party only car insurance",[1976,1979],{"type":70,"text":1977,"spans":1978,"direction":73},"Third-party-only insurance generally covers legal liability if the insured driver damages another person’s vehicle or property. It does not usually pay to repair or replace the insured driver’s own vehicle after an accident, theft, fire or weather event.",[],{"type":70,"text":1980,"spans":1981,"direction":73},"It may have a lower premium, but the owner carries most of the risk to their own car. Even an older car can be costly to replace, so affordability should be tested against the potential loss not only the premium.",[],"article_content_text$d847018a-7f30-4b82-8a13-5d0922aab028",{"variation":1505,"version":1506,"items":1984,"primary":1985,"id":2012,"slice_type":1514,"slice_label":9},[],{"heading":1986,"content":1987,"link_heading":1363},"How to choose the right level of cover",[1988,1991,1994,1997,2000,2003,2006,2009],{"type":1989,"text":1986,"spans":1990,"direction":73},"heading2",[],{"type":70,"text":1992,"spans":1993,"direction":73},"·       Check whether a vehicle finance agreement specifies cover.",[],{"type":70,"text":1995,"spans":1996,"direction":73},"·       Estimate the cost of replacing the car without insurance.",[],{"type":70,"text":1998,"spans":1999,"direction":73},"·       Consider theft, hijacking, weather and accident exposure.",[],{"type":70,"text":2001,"spans":2002,"direction":73},"·       Compare the premium with all applicable excesses.",[],{"type":70,"text":2004,"spans":2005,"direction":73},"·       Review third-party liability limits and exclusions.",[],{"type":70,"text":2007,"spans":2008,"direction":73},"·       Confirm who may drive the vehicle and how it may be used.",[],{"type":70,"text":2010,"spans":2011,"direction":73},"Use the current policy schedule and wording as the final source of truth. Product names can look similar while benefits and conditions differ between insurers.",[],"article_content_text$f289f726-f701-4771-8def-65abb6e0cc6c",{"variation":1505,"version":1506,"items":2014,"primary":2015,"id":2021,"slice_type":1514,"slice_label":9},[],{"heading":2016,"content":2017,"link_heading":1363},"A practical example",[2018],{"type":70,"text":2019,"spans":2020,"direction":73},"If you cause a collision that damages your own car and another vehicle, comprehensive cover may respond to both losses, subject to the policy. Third-party, fire and theft or third-party-only cover may respond to the other vehicle’s damage but not your own collision damage. The precise outcome depends on liability, terms, excesses and exclusions.",[],"article_content_text$e8cfca3a-994c-4eb1-9fbb-045469054dbe",{"variation":1505,"version":1506,"items":2023,"primary":2024,"id":2029,"slice_type":1514,"slice_label":9},[],{"heading":1597,"content":2025,"link_heading":1363},[2026],{"type":70,"text":2027,"spans":2028,"direction":73},"Choose comprehensive cover when broad protection for your own car and third-party liability matters. Consider third-party, fire and theft when specified risks to your car still matter but you accept your own accident-repair risk. Choose third-party only only after understanding how much risk remains uninsured.",[],"article_content_text$9a687379-249b-4674-9b49-e4e933ce589a",{"variation":1604,"version":1506,"items":2031,"primary":2032,"id":2065,"slice_type":1514,"slice_label":9},[],{"heading":1607,"content":2033,"sub_sections":2034,"link_heading":1363},[],[2035,2041,2047,2053,2059],{"subheading":2036,"list":2037,"link_subsection":1363},"What is the broadest type of car insurance?",[2038],{"type":70,"text":2039,"spans":2040,"direction":73},"Comprehensive car insurance is generally the broadest option because it can protect the insured vehicle and cover third-party property liability, subject to the policy.",[],{"subheading":2042,"list":2043,"link_subsection":1363},"Does third-party insurance cover my own car?",[2044],{"type":70,"text":2045,"spans":2046,"direction":73},"Third-party-only cover generally does not cover damage to your own car. It mainly covers legal liability for damage to another party’s property.",[],{"subheading":2048,"list":2049,"link_subsection":1363},"Does third-party fire and theft cover accident damage?",[2050],{"type":70,"text":2051,"spans":2052,"direction":73},"It generally does not cover collision damage to your own car, although it may cover third-party liability and specified fire, theft or hijacking losses.",[],{"subheading":2054,"list":2055,"link_subsection":1363},"Do financed cars need comprehensive insurance?",[2056],{"type":70,"text":2057,"spans":2058,"direction":73},"The finance agreement commonly requires suitable cover. Check the contract and confirm the requirement with the finance provider.",[],{"subheading":2060,"list":2061,"link_subsection":1363},"Can I change my car insurance cover later?",[2062],{"type":70,"text":2063,"spans":2064,"direction":73},"Insurers may allow changes after reassessing the risk. Confirm the effective date, revised premium, excesses and any new conditions before relying on the change.",[],"article_content_text$e8b41283-792a-4dd8-95f9-03bcc3b41afe","Compare comprehensive, third-party fire and theft, and third-party-only car insurance in South Africa, including what each option generally covers.",{"dimensions":2068,"alt":1933,"copyright":9,"url":2069,"id":1935,"edit":2070},{"width":1889,"height":1890},"https://images.prismic.io/miway-website/gVxfhM3sGH-ofcPJ_Image2-1-.jpg?auto=format,compress&rect=501,0,1160,609&w=2400&h=1260",{"x":1893,"y":28,"zoom":29,"background":30},{"link_type":35},[2073],{"type":70,"text":2074,"spans":2075,"direction":73},"The main difference between car insurance types is whose loss is protected and which events are insured. Comprehensive insurance generally offers the broadest protection. Third-party, fire and theft adds specified protection for your car, while third-party only mainly protects against liability for damage to someone else’s property.",[],{"id":1651,"type":1652,"tags":2077,"lang":16,"slug":631,"first_publication_date":1654,"last_publication_date":1655,"uid":1656,"link_type":393,"key":2078,"isBroken":395},[],"7edcad41-80a6-4a5d-a1ad-ca756b5b1fd2",[],{"dimensions":2081,"alt":1933,"copyright":9,"url":1934,"id":1935,"edit":2082},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},{"id":2084,"uid":2085,"url":2086,"type":1469,"href":2087,"tags":2088,"first_publication_date":2089,"last_publication_date":2089,"slugs":2090,"linked_documents":2092,"lang":16,"alternate_languages":2093,"data":2094},"asdlxRIAACoA1wj-","what-does-home-contents-insurance-cover-in-south-africa","/blog/what-does-home-contents-insurance-cover-in-south-africa","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=asdvMRIAAC0A1xvb&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22asdlxRIAACoA1wj-%22%29+%5D%5D",[760,958,1472],"2026-10-08T10:05:13+0000",[2091],"2026-10-08t0700000000",[],[],{"date":2095,"heading":2096,"duration":9,"article_type":2097,"category":2100,"related_product":2104,"thumbnail":2107,"type":9,"related_insurance":9,"slices":2113,"meta_title":2229,"meta_description":2230,"meta_keywords":2231,"meta_image":2232,"canonical":2236,"intro":2237,"author":1649,"service_block":2240,"in_this_article":2243,"hero_image":2244},"2026-10-08T07:00:00+0000","What does home contents insurance cover in South Africa",{"id":1366,"type":1339,"tags":2098,"lang":16,"slug":1368,"first_publication_date":1369,"last_publication_date":1369,"uid":1368,"url":1343,"link_type":393,"key":2099,"isBroken":395},[],"500b4cfd-8a68-4d78-aa3e-899d1e34b01b",{"id":1485,"type":1486,"tags":2101,"lang":16,"slug":1377,"first_publication_date":1488,"last_publication_date":1488,"uid":1377,"url":1343,"data":2102,"link_type":393,"key":2103,"isBroken":395},[],{"name":680},"5d22183e-deb8-4006-8654-b46a58449c86",{"id":771,"type":515,"tags":2105,"lang":16,"slug":773,"first_publication_date":774,"last_publication_date":775,"uid":776,"url":777,"link_type":393,"key":2106,"isBroken":395},[517,688,519],"14b25011-ca1a-453a-b8f5-dc771a37f813",{"dimensions":2108,"alt":2109,"copyright":9,"url":2110,"id":2111,"edit":2112},{"width":1495,"height":1496},"Home contents insurance","https://images.prismic.io/miway-website/8EzqSoUVhgG-oPvJ_Image8-1-.jpg?auto=format,compress","8EzqSoUVhgG-oPvJ",{"x":28,"y":28,"zoom":29,"background":30},[2114,2122,2138,2150,2180,2192,2221],{"variation":1505,"version":1506,"items":2115,"primary":2116,"id":2121,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":2117,"link_heading":1363},[2118],{"type":70,"text":2119,"spans":2120,"direction":73},"Home contents insurance generally protects eligible movable belongings kept at the insured home against specified events such as theft, fire, storm or water damage. Exact cover varies by policy, so the schedule and wording determine which belongings, events, limits, security conditions and excesses apply.",[],"article_content_text$f316232e-b016-4cba-8768-ccc84c990e45",{"variation":1505,"version":1506,"items":2123,"primary":2124,"id":2137,"slice_type":1514,"slice_label":9},[],{"heading":2125,"content":2126,"link_heading":1363},"What counts as home contents",[2127,2134],{"type":70,"text":2128,"spans":2129,"direction":73},"Home contents are generally the movable possessions you would take with you if you moved home. They can include furniture, appliances, clothing, electronics, kitchenware, linen, décor and other eligible household belongings.",[2130],{"start":705,"end":2131,"type":216,"data":2132},51,{"link_type":78,"url":2133,"target":135},"https://www.miway.co.za/all-risk-insurance",{"type":70,"text":2135,"spans":2136,"direction":73},"Permanent structures and fixtures such as the roof, walls and fitted installations usually fall under buildings insurance rather than contents insurance. Tenants commonly insure their belongings, while property owners may need both buildings and contents cover.",[],"article_content_text$5e58f4d9-76cb-4c11-a67c-4f11b6e4037a",{"variation":1505,"version":1506,"items":2139,"primary":2140,"id":2149,"slice_type":1514,"slice_label":9},[],{"heading":2141,"content":2142,"link_heading":1363},"Which events may be covered",[2143,2146],{"type":70,"text":2144,"spans":2145,"direction":73},"Depending on the selected cover and wording, insured events may include theft or attempted theft, fire, lightning, explosion, storm, hail, flood, burst pipes or other sudden water damage. Some policies also provide limited alternative accommodation or household emergency assistance.",[],{"type":70,"text":2147,"spans":2148,"direction":73},"Cover is not unlimited. Security requirements, proof of forcible entry, maintenance obligations, item limits, exclusions and excesses may affect a claim.",[],"article_content_text$5527f76a-632a-488f-86b4-9856196a7691",{"variation":1505,"version":1506,"items":2151,"primary":2152,"id":2179,"slice_type":1514,"slice_label":9},[],{"heading":2153,"content":2154,"link_heading":1363},"What may not be covered",[2155,2158,2161,2164,2167,2170,2173,2176],{"type":70,"text":2156,"spans":2157,"direction":73},"·       Gradual deterioration, rust, wear and tear",[],{"type":70,"text":2159,"spans":2160,"direction":73},"·       Poor maintenance or preventable damage",[],{"type":70,"text":2162,"spans":2163,"direction":73},"·       Pest or vermin damage",[],{"type":70,"text":2165,"spans":2166,"direction":73},"·       Unexplained disappearance",[],{"type":70,"text":2168,"spans":2169,"direction":73},"·       Business stock or equipment not declared for suitable cover",[],{"type":70,"text":2171,"spans":2172,"direction":73},"·       Portable possessions lost or damaged away from home without relevant cover",[],{"type":70,"text":2174,"spans":2175,"direction":73},"·       Losses exceeding single-item or category limits",[],{"type":70,"text":2177,"spans":2178,"direction":73},"This list is general, not exhaustive. Read the specific policy wording and schedule before relying on cover.",[],"article_content_text$d1b7e083-20f1-47c5-90cb-10d1d433d8c0",{"variation":1505,"version":1506,"items":2181,"primary":2182,"id":2191,"slice_type":1514,"slice_label":9},[],{"heading":2183,"content":2184,"link_heading":1363},"Home contents vs buildings vs portable possessions cover",[2185,2188],{"type":70,"text":2186,"spans":2187,"direction":73},"Buildings insurance protects the physical structure and permanent fixtures. Home contents insurance protects eligible movable belongings at the insured residence. Portable possessions or all-risk cover is intended for selected items that regularly leave the home, such as a phone, laptop, camera, watch or jewellery.",[],{"type":70,"text":2189,"spans":2190,"direction":73},"These covers solve different problems. A complete household review should identify what is fixed, what stays at home and what travels with household members.",[],"article_content_text$902c9308-3f13-4281-8d3f-d7ddceafe71d",{"variation":1505,"version":1506,"items":2193,"primary":2194,"id":2220,"slice_type":1514,"slice_label":9},[],{"heading":2195,"content":2196,"link_heading":1363},"How to make the cover work properly",[2197,2200,2203,2206,2209,2212,2215],{"type":70,"text":2198,"spans":2199,"direction":73},"·       Insure all contents at current replacement value.",[],{"type":70,"text":2201,"spans":2202,"direction":73},"·       Disclose the correct address, occupancy and security information.",[],{"type":70,"text":2204,"spans":2205,"direction":73},"·       Specify high-value items where required.",[],{"type":70,"text":2207,"spans":2208,"direction":73},"·       Add suitable cover for portable possessions taken outside.",[],{"type":70,"text":2210,"spans":2211,"direction":73},"·       Keep receipts, photos, serial numbers and valuations.",[],{"type":70,"text":2213,"spans":2214,"direction":73},"·       Report material changes and review cover each year.",[],{"type":70,"text":2216,"spans":2217,"direction":73},"Miway’s home insurance page explains its current household cover options. Benefits remain subject to the final quote, policy schedule and wording.",[2218],{"start":1830,"end":1831,"type":216,"data":2219},{"link_type":78,"url":1833,"target":135},"article_content_text$1708bee5-5b0f-4eef-ab8d-813b5ee20a8f",{"variation":1505,"version":1506,"items":2222,"primary":2223,"id":2228,"slice_type":1514,"slice_label":9},[],{"heading":1597,"content":2224,"link_heading":1363},[2225],{"type":70,"text":2226,"spans":2227,"direction":73},"Home contents insurance is designed to help replace or repair insured belongings after specified events not every type of loss. Accurate valuations, correct disclosures and an understanding of limits and exclusions are essential to avoiding surprises at claim stage.",[],"article_content_text$8eb41181-2d04-42f8-9b47-9f0873971f35","What Home Contents Insurance Covers in South Africa","Learn what home contents insurance generally covers in South Africa, what may be excluded and how it differs from buildings and portable possessions cover.","home insurance",{"dimensions":2233,"alt":2109,"copyright":9,"url":2234,"id":2111,"edit":2235},{"width":1889,"height":1890},"https://images.prismic.io/miway-website/8EzqSoUVhgG-oPvJ_Image8-1-.jpg?auto=format,compress&rect=501,0,1160,609&w=2400&h=1260",{"x":1893,"y":28,"zoom":29,"background":30},{"link_type":35},[2238],{"type":70,"text":2230,"spans":2239,"direction":73},[],{"id":1899,"type":1652,"tags":2241,"lang":16,"slug":776,"first_publication_date":1901,"last_publication_date":1902,"uid":776,"link_type":393,"key":2242,"isBroken":395},[760,688],"1238a592-08a9-415d-a7fc-d289528f4655",[],{"dimensions":2245,"alt":2109,"copyright":9,"url":2110,"id":2111,"edit":2246},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},{"id":2248,"uid":2249,"url":2250,"type":1469,"href":2251,"tags":2252,"first_publication_date":2254,"last_publication_date":2255,"slugs":2256,"linked_documents":2258,"lang":16,"alternate_languages":2259,"data":2260},"Z5M_HhAAACQAZf5L","protection-against-mechanical-breakdowns","/blog/protection-against-mechanical-breakdowns","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=asdvMRIAAC0A1xvb&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z5M_HhAAACQAZf5L%22%29+%5D%5D",[688,996,2253],"Safety","2025-01-24T07:20:01+0000","2026-10-02T11:46:33+0000",[2257],"2026-10-02t0717000000",[],[],{"date":2261,"heading":2262,"duration":29,"article_type":2263,"category":2266,"related_product":2270,"thumbnail":2273,"type":1501,"related_insurance":1502,"slices":2281,"meta_title":2262,"meta_description":2524,"meta_keywords":9,"meta_image":2525,"canonical":2530,"intro":2531,"author":1649,"service_block":2534,"in_this_article":2537,"hero_image":2539},"2026-10-02T07:17:00+0000","Protection against mechanical breakdowns",{"id":1338,"type":1339,"tags":2264,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":2265,"isBroken":395},[],"0605deaa-e3ba-4425-bbe6-f150a4bfb2d9",{"id":1485,"type":1486,"tags":2267,"lang":16,"slug":1377,"first_publication_date":1488,"last_publication_date":1488,"uid":1377,"url":1343,"data":2268,"link_type":393,"key":2269,"isBroken":395},[],{"name":680},"7954b0e4-efbd-4c96-b99f-3cfb7316d2e9",{"id":626,"type":515,"tags":2271,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":2272,"isBroken":395},[519],"70bfeec5-df12-41ac-aaa0-4ce645a34b27",{"dimensions":2274,"alt":2277,"copyright":9,"url":2278,"id":2279,"edit":2280},{"width":2275,"height":2276},1153,321,"moto","https://images.prismic.io/miway-website/Z5M-tJbqstJ99z1E_ProtectionAgainstMechanicalBreakdowns.jpeg?auto=format,compress","Z5M-tJbqstJ99z1E",{"x":28,"y":28,"zoom":29,"background":30},[2282,2304,2322,2348,2376,2418,2451,2477,2492],{"variation":1505,"version":1506,"items":2283,"primary":2284,"id":2303,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":2285,"link_heading":1363},[2286,2289,2296],{"type":70,"text":2287,"spans":2288,"direction":73},"Owning a car comes with freedom, convenience and, occasionally, an unexpected repair bill. Even if you service your vehicle regularly and keep it in good condition, mechanical or electrical components can still fail.",[],{"type":70,"text":2290,"spans":2291,"direction":73},"And when your manufacturer's warranty has expired, the cost of getting your vehicle back on the road could come straight out of your pocket.",[2292],{"start":1947,"end":2293,"type":216,"data":2294},37,{"link_type":78,"url":2295,"target":135},"https://www.miway.co.za/motor-warranty",{"type":70,"text":2297,"spans":2298,"direction":73},"That's where understanding the difference between car insurance and a motor warranty becomes important.",[2299],{"start":2300,"end":2301,"type":2302},50,63,"strong","article_content_text$3094c44d-a97f-4680-9d20-408f6b5f239c",{"variation":1505,"version":1506,"items":2305,"primary":2306,"id":2321,"slice_type":1514,"slice_label":9},[],{"heading":2307,"content":2308,"link_heading":1363},"What is a mechanical breakdown?",[2309,2312,2315,2318],{"type":70,"text":2310,"spans":2311,"direction":73},"A mechanical breakdown happens when one of your vehicle's mechanical components suddenly stops working and needs to be repaired or replaced.",[],{"type":70,"text":2313,"spans":2314,"direction":73},"Depending on your vehicle and the problem, this could involve the engine, transmission, cooling system, air-conditioning system or other working components.",[],{"type":70,"text":2316,"spans":2317,"direction":73},"An electrical failure is similar, but affects electrical components or systems in the vehicle.",[],{"type":70,"text":2319,"spans":2320,"direction":73},"While regular servicing and good vehicle maintenance can reduce the risk of certain problems, they cannot guarantee that a component will never fail.",[],"article_content_text$fbdc6fa1-3074-4cb7-8b7b-71c630feb2f1",{"variation":1505,"version":1506,"items":2323,"primary":2324,"id":2347,"slice_type":1514,"slice_label":9},[],{"heading":2325,"content":2326,"link_heading":1363},"Why mechanical breakdown cover matters",[2327,2330,2341,2344],{"type":70,"text":2328,"spans":2329,"direction":73},"South Africans are keeping their vehicles for longer.",[],{"type":70,"text":2331,"spans":2332,"direction":73},"According to the Retail Motor Industry Organisation's 2026 extended-warranty guidance, citing Lightstone Auto statistics from June 2026, the average age of South Africa's vehicle parc is approximately 10 years and 11 months. It also reports that 47% of passenger cars fall into the 6–15-year age bands.",[2333,2338],{"start":2334,"end":2335,"type":216,"data":2336},17,85,{"link_type":78,"url":2337,"target":135},"https://www.rmi.org.za/understanding-extended-warranties/",{"start":2339,"end":2340,"type":2302},201,223,{"type":70,"text":2342,"spans":2343,"direction":73},"For many motorists, that means driving a vehicle after its original manufacturer's warranty has ended.",[],{"type":70,"text":2345,"spans":2346,"direction":73},"Once that happens, an unexpected mechanical or electrical failure can become an unexpected expense too.",[],"article_content_text$57748e54-cb7f-44fe-b2e8-540a54e81d29",{"variation":1505,"version":1506,"items":2349,"primary":2350,"id":2375,"slice_type":1514,"slice_label":9},[],{"heading":2351,"content":2352,"link_heading":1363},"Does car insurance cover mechanical breakdowns?",[2353,2359,2362,2365,2368],{"type":70,"text":2354,"spans":2355,"direction":73},"Generally, car insurance and a motor warranty protect you against different risks.",[2356],{"start":2357,"end":2358,"type":2302},11,81,{"type":70,"text":2360,"spans":2361,"direction":73},"Car insurance is designed to provide protection against insured events specified in your policy. Depending on the cover you choose, this may include accidental damage, theft, hijacking, fire and certain weather-related damage.",[],{"type":70,"text":2363,"spans":2364,"direction":73},"A mechanical failure caused by a component breaking down is different.",[],{"type":70,"text":2366,"spans":2367,"direction":73},"That's why it's important not to assume that comprehensive car insurance automatically pays for repairs when your engine, gearbox or another mechanical component fails.",[],{"type":70,"text":2369,"spans":2370,"direction":73},"You can read more about Miway car insurance and its different cover options before deciding what protection works for you.",[2371],{"start":2372,"end":2373,"type":216,"data":2374},24,75,{"link_type":78,"url":1950,"target":135},"article_content_text$c17716d3-7eeb-4858-8da0-a8a8be36676a",{"variation":1505,"version":1506,"items":2377,"primary":2378,"id":2417,"slice_type":1514,"slice_label":9},[],{"heading":2379,"content":2380,"link_heading":1363},"What is a motor warranty?",[2381,2384,2387,2392,2395,2398,2402,2405,2408,2411,2414],{"type":70,"text":2382,"spans":2383,"direction":73},"A motor warranty is designed to help with eligible repair or replacement costs when covered mechanical or electrical components fail, subject to the terms, limits and exclusions of the policy.",[],{"type":70,"text":2385,"spans":2386,"direction":73},"This becomes particularly relevant when your manufacturer's warranty has expired.",[],{"type":70,"text":2388,"spans":2389,"direction":73},"Miway's MiWarranty provides cover for mechanical and electrical breakdown and is available for eligible newer vehicles that were not sold with a warranty as well as older vehicles where the manufacturer's warranty has expired.",[2390],{"start":1830,"end":2391,"type":2302},18,{"type":70,"text":2393,"spans":2394,"direction":73},"Depending on the MiWarranty option selected and your vehicle, cover can extend across a range of components.",[],{"type":70,"text":2396,"spans":2397,"direction":73},"These may include:",[],{"type":2399,"text":2400,"spans":2401,"direction":73},"list-item","Engine.",[],{"type":2399,"text":2403,"spans":2404,"direction":73},"Transmission.",[],{"type":2399,"text":2406,"spans":2407,"direction":73},"Cooling system.",[],{"type":2399,"text":2409,"spans":2410,"direction":73},"Air-conditioning components.",[],{"type":2399,"text":2412,"spans":2413,"direction":73},"Electrical components.",[],{"type":70,"text":2415,"spans":2416,"direction":73},"Always check your policy wording and coversheet to confirm exactly which components, limits and conditions apply to your vehicle.",[],"article_content_text$23c1bcc4-5212-488c-99ea-2f6638d97964",{"variation":1505,"version":1506,"items":2419,"primary":2420,"id":2450,"slice_type":1514,"slice_label":9},[],{"heading":2421,"content":2422,"link_heading":1363},"Car insurance vs motor warranty",[2423,2426,2431,2436,2440,2443],{"type":70,"text":2424,"spans":2425,"direction":73},"Here's the easiest way to understand the difference.",[],{"type":70,"text":2427,"spans":2428,"direction":73},"Car insurance helps protect you financially against specified insured events such as accidental damage, theft or hijacking, depending on your selected cover.",[2429],{"start":28,"end":2430,"type":2302},13,{"type":70,"text":2432,"spans":2433,"direction":73},"A motor warranty is designed around eligible mechanical and electrical component failures.",[2434],{"start":123,"end":2435,"type":2302},16,{"type":70,"text":2437,"spans":2438,"direction":73},"And roadside assistance provides practical help when you're stranded, rather than automatically paying for the underlying mechanical repair.",[2439],{"start":156,"end":27,"type":2302},{"type":70,"text":2441,"spans":2442,"direction":73},"These products can therefore work alongside one another rather than replacing one another.",[],{"type":70,"text":2444,"spans":2445,"direction":73},"Miway's guide on what to do when your car breaks down on the highway explains the difference between insurance, roadside assistance and motor warranty in more detail.",[2446],{"start":2334,"end":2447,"type":216,"data":2448},68,{"link_type":78,"url":2449,"target":135},"https://www.miway.co.za/blog/car-broke-down-on-the-highway-what-south-african-drivers-should-do","article_content_text$9cf9d276-25ea-49a9-86d8-660611f01526",{"variation":1505,"version":1506,"items":2452,"primary":2453,"id":2476,"slice_type":1514,"slice_label":9},[],{"heading":2454,"content":2455,"link_heading":1363},"What should you check before choosing cover?",[2456,2459,2462,2465,2468],{"type":70,"text":2457,"spans":2458,"direction":73},"Not every motor warranty works in exactly the same way.",[],{"type":70,"text":2460,"spans":2461,"direction":73},"Before choosing mechanical breakdown cover, check which components are included, whether there are vehicle age or mileage requirements, what claim limits apply and whether an excess is payable.",[],{"type":70,"text":2463,"spans":2464,"direction":73},"You should also understand the servicing and maintenance requirements.",[],{"type":70,"text":2466,"spans":2467,"direction":73},"This matters because a warranty is not the same thing as a service plan. Regular servicing remains an important part of looking after your vehicle.",[],{"type":70,"text":2469,"spans":2470,"direction":73},"If you're unsure about the difference, read Miway's guide to maintenance plans vs service plans.",[2471],{"start":2472,"end":2473,"type":216,"data":2474},61,95,{"link_type":78,"url":2475,"target":135},"https://www.miway.co.za/blog/maintenance-plans-vs-service-plans-what-s-the-difference","article_content_text$91a69a6f-50be-4b88-a4b2-3eb5942ab77d",{"variation":1505,"version":1506,"items":2478,"primary":2479,"id":2491,"slice_type":1514,"slice_label":9},[],{"heading":2480,"content":2481,"link_heading":1363},"What happens when your manufacturer's warranty expires?",[2482,2485,2488],{"type":70,"text":2483,"spans":2484,"direction":73},"The end of a manufacturer's warranty doesn't mean your car is suddenly unreliable. It simply means that you may no longer have the same manufacturer-backed protection if an eligible component fails.",[],{"type":70,"text":2486,"spans":2487,"direction":73},"This is a good time to review how you would deal with an unexpected repair.",[],{"type":70,"text":2489,"spans":2490,"direction":73},"Ask yourself what protection you already have, what isn't covered by your car insurance, and whether additional motor warranty cover makes sense for your vehicle and budget.",[],"article_content_text$ddbe3f82-cee1-4d79-a1ee-56c5c1df9516",{"variation":1505,"version":1506,"items":2493,"primary":2494,"id":2523,"slice_type":1514,"slice_label":9},[],{"heading":2495,"content":2496,"link_heading":1363},"Keep unexpected repairs from becoming unexpected bills",[2497,2500,2506,2509,2513],{"type":70,"text":2498,"spans":2499,"direction":73},"You can't predict every mechanical breakdown. But you can prepare for what it could mean financially.",[],{"type":70,"text":2501,"spans":2502,"direction":73},"The right combination of regular servicing, suitable car insurance and appropriate motor warranty protection can help you manage different risks associated with owning a vehicle.",[2503],{"start":2504,"end":2505,"type":2302},53,66,{"type":70,"text":2507,"spans":2508,"direction":73},"Miway's MiWarranty offers different cover options for eligible vehicles, with protection for mechanical and electrical breakdowns subject to the applicable terms, conditions and limits.",[],{"type":70,"text":2510,"spans":2511,"direction":73},"Want extra protection once your manufacturer's warranty ends?",[2512],{"start":28,"end":2472,"type":2302},{"type":70,"text":2514,"spans":2515,"direction":73},"Find out how MiWarranty can help protect you against eligible mechanical and electrical breakdowns, or get a Miway car insurance quote and choose cover that works for you.",[2516,2519],{"start":28,"end":2517,"type":216,"data":2518},98,{"link_type":78,"url":2295,"target":135},{"start":2520,"end":2521,"type":216,"data":2522},103,134,{"link_type":78,"url":1950,"target":135},"article_content_text$89773ead-1e38-4934-a90e-5e1e3fac4f85","Purchasing a car is often seen as the easy part, however, maintaining a car is the hard part. As a responsible car owner, you take pride in making sure that your car is serviced regularly and maintained when needs be. However, we are never financially prepared for any mechanical breakdown.",{"dimensions":2526,"alt":9,"copyright":9,"url":2527,"id":2279,"edit":2528},{"width":1889,"height":1890},"https://images.prismic.io/miway-website/Z5M-tJbqstJ99z1E_ProtectionAgainstMechanicalBreakdowns.jpeg?auto=format,compress&rect=271,0,611,321&w=2400&h=1260",{"x":2529,"y":28,"zoom":29,"background":30},271,{"link_type":35},[2532],{"type":70,"text":2524,"spans":2533,"direction":73},[],{"id":1651,"type":1652,"tags":2535,"lang":16,"slug":631,"first_publication_date":1654,"last_publication_date":1655,"uid":1656,"link_type":393,"key":2536,"isBroken":395},[],"2c46f80c-8c69-4ab5-b4ee-21d5ef6e57e6",[2538],{"text":2262},{"dimensions":2540,"alt":9,"copyright":9,"url":2278,"id":2279,"edit":2541},{"width":2275,"height":2276},{"x":28,"y":28,"zoom":29,"background":30},1791470747369]