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Between bond approvals, transfer costs, inspections and moving plans, insurance can sometimes feel like just another box to tick. But understanding the different types of home insurance from the start can help you protect one of the biggest investments you'll ever make. \nFor many first-time homeowners, one of the biggest misconceptions is that a single insurance policy covers everything. In reality, home insurance often consists of different types of cover designed to protect different parts of your life.",[],"article_content_text$41dbda89-194e-46b5-891f-8ae27d67345d","article_content_text",{"variation":1505,"version":1506,"items":1516,"primary":1517,"id":1536,"slice_type":1514,"slice_label":9},[],{"heading":1518,"content":1519,"link_heading":1364},"Buildings insurance: protecting the structure of your home",[1520,1527,1530,1533],{"type":70,"text":1521,"spans":1522,"direction":73},"Buildings insurance covers the physical structure of your property. This includes the house itself, as well as permanent fixtures and fittings such as built-in cupboards, kitchen units, garages, boundary walls and other permanent improvements.  ",[1523],{"start":28,"end":1524,"type":216,"data":1525},19,{"link_type":78,"url":1526,"target":135},"https://www.miway.co.za/buildings-insurance",{"type":70,"text":1528,"spans":1529,"direction":73},"A useful way to think about buildings insurance is to ask: \"If my home was severely damaged, what would it cost to rebuild it?\" ",[],{"type":70,"text":1531,"spans":1532,"direction":73},"Many first-time buyers focus on the property's purchase price, but insurers are generally more concerned with the cost of rebuilding the home, including materials, labour, site clearance and professional fees.  ",[],{"type":70,"text":1534,"spans":1535,"direction":73},"Buildings insurance typically protects against risks such as fire, storms, floods, hail, theft-related damage, burst pipes and other unexpected events that could affect the structure of your home.",[],"article_content_text$e4ff3614-4f4e-4d79-be78-340dc71ce580",{"variation":1505,"version":1506,"items":1538,"primary":1539,"id":1560,"slice_type":1514,"slice_label":9},[],{"heading":1540,"content":1541,"link_heading":1364},"Home contents insurance: covering what makes a house a home",[1542,1545,1551,1554,1557],{"type":70,"text":1543,"spans":1544,"direction":73},"Once you've secured the property itself, it's worth considering everything inside it. ",[],{"type":70,"text":1546,"spans":1547,"direction":73},"Home contents insurance is designed to protect the belongings you keep in your home, including furniture, appliances, clothing, electronics and other personal possessions.  ",[1548],{"start":28,"end":27,"type":216,"data":1549},{"link_type":78,"url":1550,"target":135},"https://www.miway.co.za/home-insurance",{"type":70,"text":1552,"spans":1553,"direction":73},"Many first-time homeowners underestimate the value of their contents. While replacing a single sofa or television may seem manageable, replacing every item after a major event such as a fire or burglary can quickly become extremely expensive. ",[],{"type":70,"text":1555,"spans":1556,"direction":73},"Taking a room-by-room inventory can help you understand the true value of your possessions. This exercise not only gives you a clearer picture of what you own, but also helps ensure you don't accidentally underinsure your belongings. ",[],{"type":70,"text":1558,"spans":1559,"direction":73},"Home contents insurance can provide cover for events such as theft, fire, storms, burst pipes and certain accidental losses, depending on the policy and cover selected. ",[],"article_content_text$2b24333b-8adc-48cb-a388-baa198dcfcb2",{"variation":1505,"version":1506,"items":1562,"primary":1563,"id":1581,"slice_type":1514,"slice_label":9},[],{"heading":1564,"content":1565,"link_heading":1364},"Moveables insurance: protection beyond your front door",[1566,1569,1575,1578],{"type":70,"text":1567,"spans":1568,"direction":73},"One area that first-time homeowners often overlook is cover for belongings they regularly take outside the home. ",[],{"type":70,"text":1570,"spans":1571,"direction":73},"Moveables insurance, often referred to as all-risk or portable possessions cover, is designed for items that travel with you. Think smartphones, laptops, watches, jewellery, cameras, sporting equipment and other valuables that could be lost, stolen or damaged while you're away from home.  ",[1572],{"start":28,"end":1524,"type":216,"data":1573},{"link_type":78,"url":1574,"target":135},"https://www.miway.co.za/all-risk-insurance",{"type":70,"text":1576,"spans":1577,"direction":73},"This distinction is important because home contents insurance generally focuses on items kept at your insured address, while moveables insurance extends protection to possessions that accompany you during your daily activities or while travelling.  ",[],{"type":70,"text":1579,"spans":1580,"direction":73},"For today's homeowners, where remote work and mobile technology have become part of everyday life, portable possessions can represent a significant financial investment worth protecting.",[],"article_content_text$0bfef72d-85c3-483d-ba53-9aef089f3fca",{"variation":1505,"version":1506,"items":1583,"primary":1584,"id":1606,"slice_type":1514,"slice_label":9},[],{"heading":1585,"content":1586,"link_heading":1364},"A few smart insurance habits for first-time buyers",[1587,1590,1594,1597,1600,1603],{"type":70,"text":1588,"spans":1589,"direction":73},"As you settle into your new home, keep these practical tips in mind: ",[],{"type":1591,"text":1592,"spans":1593,"direction":73},"list-item","Review your cover regularly as your home and belongings change. ",[],{"type":1591,"text":1595,"spans":1596,"direction":73},"Keep records, photographs and proof of purchase for valuable items. ",[],{"type":1591,"text":1598,"spans":1599,"direction":73},"Update your insurer when you make major renovations or additions to your property. ",[],{"type":1591,"text":1601,"spans":1602,"direction":73},"Make sure valuable items are insured for realistic replacement values. ",[],{"type":1591,"text":1604,"spans":1605,"direction":73},"Understand what is covered, what is excluded and how excesses work before you need to claim. ",[],"article_content_text$4ebf8482-a5ab-498f-ab11-8585e44085ca",{"variation":1505,"version":1506,"items":1608,"primary":1609,"id":1618,"slice_type":1514,"slice_label":9},[],{"heading":1610,"content":1611,"link_heading":1364},"Final Thoughts",[1612,1615],{"type":70,"text":1613,"spans":1614,"direction":73},"Home insurance isn't just about protecting bricks, mortar and belongings. It's about creating financial resilience when unexpected events occur. By understanding the difference between buildings insurance, home contents insurance and moveables insurance, first-time homeowners can make more informed decisions and build a stronger foundation for their future. ",[],{"type":70,"text":1616,"spans":1617,"direction":73},"After all, buying your first home is a significant achievement. Making sure it's properly protected is simply part of being a prepared homeowner. ",[],"article_content_text$26f7ba77-dada-4e90-b5a5-62c7430ad7f9","What Should First-Time Homebuyers Know About Insurance? | Miway","Buying your first home is a major milestone. Between bond approvals, transfer costs, inspections and moving plans, get tips and more form Miway Insurance.",{"dimensions":1622,"alt":1497,"copyright":9,"url":1625,"id":1499,"edit":1626},{"width":1623,"height":1624},2400,1260,"https://images.prismic.io/miway-website/9uNBxvSfEghCCV1g_WhatshouldFirst-TimeHomebuyersKnowAboutHomeInsurance_-1--1-.png?auto=format,compress&rect=523,0,1116,586&w=2400&h=1260",{"x":1627,"y":28,"zoom":29,"background":30},523,{"link_type":35},[1630],{"type":70,"text":1631,"spans":1632,"direction":73},"Buying your first home is a major milestone. Between bond approvals, transfer costs, inspections and moving plans, insurance can sometimes feel like just another box to tick.",[],"Miway",{"id":1635,"type":1636,"tags":1637,"lang":16,"slug":777,"first_publication_date":1638,"last_publication_date":1639,"uid":777,"data":1640,"link_type":393,"key":1670,"isBroken":395},"akuheBEAACsACNSf","service_block",[761,688],"2026-07-06T13:17:07+0000","2026-07-07T07:58:00+0000",{"description":1641,"cta_text":1645,"cta_link_href":1646,"buttons":1648,"pictogram":1655,"title":1669},[1642],{"type":70,"text":1643,"spans":1644,"direction":73},"Protect your home and belongings against unexpected events",[],"Get a Quote Now",{"link_type":78,"key":1647,"url":1550},"eee88982-41f2-44f6-b958-061352def8f3",[1649],{"button_text":1650,"button_link":1651,"button_colour":1654,"button_variant":1505,"functionality":1650},"Call me back",{"link_type":78,"key":1652,"url":1653},"43316aca-b1a0-49c5-a706-f5c292e733c9","#button","white",{"dimensions":1656,"alt":9,"copyright":9,"url":1659,"id":1660,"edit":1661,"mobile":1663},{"width":1657,"height":1658},338,361,"https://images.prismic.io/miway-website/aLVwZGGNHVfTOe_U_Pictogram-2-.png?auto=format,compress&rect=35,0,159,170&w=338&h=361","aLVwZGGNHVfTOe_U",{"x":1662,"y":28,"zoom":29,"background":30},35,{"dimensions":1664,"alt":9,"copyright":9,"url":1667,"id":1660,"edit":1668},{"width":1665,"height":1666},200,212,"https://images.prismic.io/miway-website/aLVwZGGNHVfTOe_U_Pictogram-2-.png?auto=format,compress&rect=35,0,160,170&w=200&h=212",{"x":1662,"y":28,"zoom":29,"background":30},"Home Insurance","95e939b3-540d-495e-ad3c-f2e0a91ead11",[],{"dimensions":1673,"alt":1497,"copyright":9,"url":1498,"id":1499,"edit":1674},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},[1676,1822,2066,2227],{"id":1677,"uid":1678,"url":1679,"type":1470,"href":1680,"tags":1681,"first_publication_date":1682,"last_publication_date":1682,"slugs":1683,"linked_documents":1685,"lang":16,"alternate_languages":1686,"data":1687},"avLHYhIAACcAN-1D","how-does-insuring-an-electric-or-hybrid-car-differ-from-insuring-a-petrol-car-in-sa","/blog/how-does-insuring-an-electric-or-hybrid-car-differ-from-insuring-a-petrol-car-in-sa","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=avQpNBIAAC4AOj0t&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22avLHYhIAACcAN-1D%22%29+%5D%5D",[],"2026-11-11T08:37:08+0000",[1684],"2026-11-11t1400000000",[],[],{"date":1688,"heading":1689,"duration":9,"article_type":1690,"category":1693,"related_product":1697,"thumbnail":1700,"type":9,"related_insurance":9,"slices":1706,"meta_title":1809,"meta_description":1810,"meta_keywords":1811,"meta_image":1812,"canonical":1816,"intro":1817,"author":9,"service_block":1818,"in_this_article":1819,"hero_image":1821},"2026-11-11T14:00:00+0000","How does insuring an electric or hybrid car differ from insuring a petrol car in South Africa?",{"id":1339,"type":1340,"tags":1691,"lang":16,"slug":1342,"first_publication_date":1343,"last_publication_date":1343,"uid":1342,"url":1344,"link_type":393,"key":1692,"isBroken":395},[],"1fde85ca-13cb-42fb-ae9c-15e6b0e3d1f4",{"id":1485,"type":1486,"tags":1694,"lang":16,"slug":1378,"first_publication_date":1488,"last_publication_date":1488,"uid":1378,"url":1344,"data":1695,"link_type":393,"key":1696,"isBroken":395},[],{"name":680},"e6bf157c-75c4-4637-8677-9da3745067b2",{"id":626,"type":515,"tags":1698,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":1699,"isBroken":395},[519],"ddec7d0e-729d-4f18-bc7e-1ca394d7ea7e",{"dimensions":1701,"alt":1702,"copyright":9,"url":1703,"id":1704,"edit":1705},{"width":1495,"height":1496},"Electric car vs petrol car ","https://images.prismic.io/miway-website/vg63UFrrENo2cTB1_HowdoesinsuringanelectricorhybridcardifferfrominsuringapetrolcarinSouthAfrica_.png?auto=format,compress","vg63UFrrENo2cTB1",{"x":28,"y":28,"zoom":29,"background":30},[1707,1727,1739,1751,1763,1772],{"variation":1505,"version":1506,"items":1708,"primary":1709,"id":1726,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":1710,"link_heading":1364},[1711,1714],{"type":70,"text":1712,"spans":1713,"direction":73},"An electric or hybrid car may have different repair, battery, charging and parts considerations from a petrol car. Insurance differences depend on the specific vehicle and policy. Before buying cover, disclose the vehicle type and ask how the insurer treats the battery, charging equipment, roadside assistance and specialist repairs.",[],{"type":70,"text":1715,"spans":1716,"direction":73},"Compare the vehicle-specific information on Miway’s car insurance and motorcycle insurance.",[1717,1722],{"start":1718,"end":1719,"type":216,"data":1720},52,65,{"link_type":78,"url":1721,"target":135},"https://www.miway.co.za/car-insurance",{"start":118,"end":1723,"type":216,"data":1724},90,{"link_type":78,"url":1725,"target":135},"https://www.miway.co.za/motorcycle-insurance","article_content_text$52f281cf-3651-4cc9-b854-e32a445cc227",{"variation":1505,"version":1506,"items":1728,"primary":1729,"id":1738,"slice_type":1514,"slice_label":9},[],{"heading":1730,"content":1731,"link_heading":1364},"What vehicle details should I disclose?",[1732,1735],{"type":70,"text":1733,"spans":1734,"direction":73},"Give the exact make, model, year, variant and whether the vehicle is fully electric, plug-in hybrid or a conventional hybrid. Tell the insurer about an installed home charger or other equipment if it is being insured.",[],{"type":70,"text":1736,"spans":1737,"direction":73},"Ask whether battery ownership, leasing or a separate battery agreement changes the claim process. Keep purchase and installation documents.",[],"article_content_text$33b75528-ebc4-435e-adde-f76b8b1c7a4a",{"variation":1505,"version":1506,"items":1740,"primary":1741,"id":1750,"slice_type":1514,"slice_label":9},[],{"heading":1742,"content":1743,"link_heading":1364},"What should I ask about repairs and assistance?",[1744,1747],{"type":70,"text":1745,"spans":1746,"direction":73},"Ask which repair network handles the vehicle, whether parts availability affects repair timelines and what happens after a battery or charging-system fault. Check whether roadside assistance includes recovery to a suitable repair location and what distance or incident limits apply.",[],{"type":70,"text":1748,"spans":1749,"direction":73},"Do not assume a standard tow truck is suitable for every vehicle. Follow the manufacturer’s safety instructions and the insurer’s approved recovery process.",[],"article_content_text$fb6f41c3-435b-41c9-91fc-b550ee098bd6",{"variation":1505,"version":1506,"items":1752,"primary":1753,"id":1762,"slice_type":1514,"slice_label":9},[],{"heading":1754,"content":1755,"link_heading":1364},"How should I think about charging at home?",[1756,1759],{"type":70,"text":1757,"spans":1758,"direction":73},"Use charging equipment installed and maintained according to applicable technical requirements. Ask a qualified electrician about the property installation and retain certificates or invoices. Confirm separately whether fixed equipment or portable charging cables are insured and under which section.",[],{"type":70,"text":1760,"spans":1761,"direction":73},"Compare policy limits, exclusions, excesses and repair conditions. The label “electric vehicle cover” alone does not explain what the policy pays for.",[],"article_content_text$2119b67e-e6f6-4e4b-ac54-56438ab2aafe",{"variation":1505,"version":1506,"items":1764,"primary":1765,"id":1771,"slice_type":1514,"slice_label":9},[],{"heading":1766,"content":1767,"link_heading":1364},"What should readers do next?",[1768],{"type":70,"text":1769,"spans":1770,"direction":73},"Check the relevant policy schedule and wording, then contact the insurer through an official channel if a personal decision depends on cover. Keep records of any advice or policy change. Miway product information should link to the current page and must not imply that every event or expense is covered.",[],"article_content_text$87015937-2635-4bac-839f-318df5219445",{"variation":1773,"version":1506,"items":1774,"primary":1775,"id":1808,"slice_type":1514,"slice_label":9},"subheadingBulletLists",[],{"heading":1776,"content":1777,"sub_sections":1778,"link_heading":1364},"Frequently asked questions",[],[1779,1784,1790,1796,1802],{"subheading":1780,"list":1781,"link_subsection":1364},"What is the first thing to know about how does insuring an electric or hybrid car differ from insuring a petrol car in south africa?",[1782],{"type":70,"text":1712,"spans":1783,"direction":73},[],{"subheading":1785,"list":1786,"link_subsection":1364},"Does insurance automatically cover every situation described here?",[1787],{"type":70,"text":1788,"spans":1789,"direction":73},"No. Cover depends on the current policy wording, schedule, limits, exclusions and the facts of the event. Ask the insurer to confirm a specific situation.",[],{"subheading":1791,"list":1792,"link_subsection":1364},"What information should I keep?",[1793],{"type":70,"text":1794,"spans":1795,"direction":73},"Keep relevant policy documents, dated records and proof of ownership or actions taken. The insurer will confirm which documents are required for a particular enquiry or claim.",[],{"subheading":1797,"list":1798,"link_subsection":1364},"When should I contact my insurer or a professional?",[1799],{"type":70,"text":1800,"spans":1801,"direction":73},"Contact the insurer when the article’s issue affects your policy or a potential claim. For immediate danger, health, safety, legal or technical questions, contact the appropriate emergency service or qualified professional first.",[],{"subheading":1803,"list":1804,"link_subsection":1364},"Where can I find reliable South African guidance?",[1805],{"type":70,"text":1806,"spans":1807,"direction":73},"Start with the relevant official regulator or government source linked in this article, then check Miway’s current product wording for policy-specific information.",[],"article_content_text$80283d06-699a-4ec6-a371-3bc94baa31a7","Insuring Electric or Hybrid Cars VS a Petrol Car in SA | Miway","An electric or hybrid car may have different repair, battery, charging and parts considerations from a petrol car. Get informed at Miway Insurance","electric car insurance",{"dimensions":1813,"alt":1702,"copyright":9,"url":1814,"id":1704,"edit":1815},{"width":1623,"height":1624},"https://images.prismic.io/miway-website/vg63UFrrENo2cTB1_HowdoesinsuringanelectricorhybridcardifferfrominsuringapetrolcarinSouthAfrica_.png?auto=format,compress&rect=523,0,1116,586&w=2400&h=1260",{"x":1627,"y":28,"zoom":29,"background":30},{"link_type":35},[],{"link_type":393},[1820],{"text":9},{},{"id":1823,"uid":1824,"url":1825,"type":1470,"href":1826,"tags":1827,"first_publication_date":1828,"last_publication_date":1828,"slugs":1829,"linked_documents":1831,"lang":16,"alternate_languages":1832,"data":1833},"attcYhIAACgA2112","what-role-does-home-valuation-play-in-determining-insurance-premiums","/blog/what-role-does-home-valuation-play-in-determining-insurance-premiums","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=avQpNBIAAC4AOj0t&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22attcYhIAACgA2112%22%29+%5D%5D",[],"2026-10-24T19:02:23+0000",[1830],"2026-10-23t1700000000",[],[],{"date":1834,"heading":1835,"duration":9,"article_type":1836,"category":1839,"related_product":1843,"thumbnail":1846,"type":1501,"related_insurance":9,"slices":1852,"meta_title":2043,"meta_description":2044,"meta_keywords":2045,"meta_image":2046,"canonical":2050,"intro":2051,"author":1633,"service_block":2054,"in_this_article":2062,"hero_image":2063},"2026-10-23T17:00:00+0000","What role does home valuation play in determining insurance premiums?",{"id":1367,"type":1340,"tags":1837,"lang":16,"slug":1369,"first_publication_date":1370,"last_publication_date":1370,"uid":1369,"url":1344,"link_type":393,"key":1838,"isBroken":395},[],"459c06b7-c8d4-49fe-a631-1a41e84e6877",{"id":1485,"type":1486,"tags":1840,"lang":16,"slug":1378,"first_publication_date":1488,"last_publication_date":1488,"uid":1378,"url":1344,"data":1841,"link_type":393,"key":1842,"isBroken":395},[],{"name":680},"1dad7543-cf1b-4ba6-b249-743c3440b540",{"id":789,"type":515,"tags":1844,"lang":16,"slug":791,"first_publication_date":792,"last_publication_date":793,"uid":791,"url":794,"link_type":393,"key":1845,"isBroken":395},[517,688,519],"9d19112f-ae73-4110-9310-2dda34f190c0",{"dimensions":1847,"alt":1848,"copyright":9,"url":1849,"id":1850,"edit":1851},{"width":1495,"height":1496},"Home insurance","https://images.prismic.io/miway-website/ps4Ik4LQItvIgXh2_WhatRoleDoesHomeValuationPlayinDeterminingInsurance_Premiums-1-.png?auto=format,compress","ps4Ik4LQItvIgXh2",{"x":28,"y":28,"zoom":29,"background":30},[1853,1865,1877,1901,1949,1964,1979,1999,2023],{"variation":1505,"version":1506,"items":1854,"primary":1855,"id":1864,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":1856,"link_heading":1364},[1857],{"type":70,"text":1858,"spans":1859,"direction":73},"Do you know what it would cost to rebuild your home insurance from the ground up? The answer could have a significant impact on your insurance cover and premium. ",[1860],{"start":1861,"end":1862,"type":216,"data":1863},47,61,{"link_type":78,"url":1550,"target":135},"article_content_text$2356bfe2-00e8-4d0e-8c89-0721dec8ca18",{"variation":1505,"version":1506,"items":1866,"primary":1867,"id":1876,"slice_type":1514,"slice_label":9},[],{"heading":1868,"content":1869,"link_heading":1364},"Why does an accurate home valuation matter?",[1870,1873],{"type":70,"text":1871,"spans":1872,"direction":73},"Insuring your home isn't simply about how much you paid for it or what you could sell it for today. Your home's insured value should reflect what it would cost to rebuild the property if it were severely damaged or destroyed. ",[],{"type":70,"text":1874,"spans":1875,"direction":73},"Getting this figure right helps you choose appropriate cover, understand your premium and reduce the risk of being underinsured when you need to claim.",[],"article_content_text$81c3fa1f-0118-4975-883f-38d6f5a2855b",{"variation":1505,"version":1506,"items":1878,"primary":1879,"id":1900,"slice_type":1514,"slice_label":9},[],{"heading":1880,"content":1881,"link_heading":1364},"Market value vs rebuilding cost",[1882,1888,1892],{"type":70,"text":1883,"spans":1884,"direction":73},"Market value is what someone might pay to buy your property. It is influenced by factors such as location, demand and land value. ",[1885],{"start":28,"end":1886,"type":1887},12,"strong",{"type":70,"text":1889,"spans":1890,"direction":73},"Rebuilding cost is what it would cost to reconstruct your home, including materials, labour and relevant additional expenses. ",[1891],{"start":28,"end":862,"type":1887},{"type":70,"text":1893,"spans":1894,"direction":73},"For buildings insurance, rebuilding cost is the more important figure however there are Different Types of Property Valuations. Your cover should reflect the cost of restoring the physical structure, not simply its selling price or purchase value. ",[1895],{"start":1896,"end":1897,"type":216,"data":1898},88,126,{"link_type":78,"url":1899,"target":135},"https://blog.rawson.co.za/the-ultimate-guide-to-property-valuation-in-south-africa","article_content_text$23c5b7e7-aadd-43b4-a548-cfdb1b1bf757",{"variation":1505,"version":1506,"items":1902,"primary":1903,"id":1948,"slice_type":1514,"slice_label":9},[],{"heading":1904,"content":1905,"link_heading":1364},"What costs should you include in your home valuation?",[1906,1909,1914,1919,1923,1927,1932,1940],{"type":70,"text":1907,"spans":1908,"direction":73},"Rebuilding involves more than replacing your home's walls and roof. When estimating your rebuilding cost, consider: ",[],{"type":1591,"text":1910,"spans":1911,"direction":73},"Materials and labour: The cost of reconstructing the property. ",[1912],{"start":28,"end":1913,"type":1887},21,{"type":1591,"text":1915,"spans":1916,"direction":73},"Demolition and site clearance: Removing damaged structures and preparing the site. ",[1917],{"start":28,"end":1918,"type":1887},30,{"type":1591,"text":1920,"spans":1921,"direction":73},"Professional and municipal fees: Relevant architectural, engineering and approval costs. ",[1922],{"start":28,"end":705,"type":1887},{"type":1591,"text":1924,"spans":1925,"direction":73},"Permanent fixtures and fittings: Built-in cupboards, fitted kitchens and other permanent installations. ",[1926],{"start":28,"end":705,"type":1887},{"type":1591,"text":1928,"spans":1929,"direction":73},"Outbuildings and extras: Garages, walls, patios, swimming pools and other insured structures. ",[1930],{"start":28,"end":1931,"type":1887},24,{"type":70,"text":1933,"spans":1934,"direction":73},"Miway's Buildings Insurance guidance highlights these costs as important considerations when determining the amount to insure. ",[1935],{"start":1936,"end":1937,"type":216,"data":1938},8,27,{"link_type":78,"url":1939,"target":135},"https://www.miway.co.za/blog/the-new-homeowner-s-guide-to-domestic-bliss",{"type":70,"text":1941,"spans":1942,"direction":73},"If you're unsure how much rebuilding your property would cost, ask your insurer for guidance or consider obtaining a professional valuation.",[1943],{"start":1944,"end":1945,"type":216,"data":1946},117,139,{"link_type":78,"url":1947,"target":135},"https://rawson.co.za/valuation?utm_term=real%20estate&utm_campaign=Valuation+Search+June+21&utm_source=adwords&utm_medium=ppc&hsa_acc=7220040897&hsa_cam=13372912018&hsa_grp=123153375277&hsa_ad=525549003822&hsa_src=g&hsa_tgt=kwd-10087871&hsa_kw=real%20estate&hsa_mt=b&hsa_net=adwords&hsa_ver=3&gad_source=1&gad_campaignid=13372912018&gbraid=0AAAAACrEzsucyBKMG0JPoELjZGhhP8Ys-&gclid=EAIaIQobChMIwY_i_qfIlwMVH5pQBh27myy1EAAYAiAAEgJNmvD_BwE","article_content_text$22b315e0-2986-4fe2-96bf-177bc5625724",{"variation":1505,"version":1506,"items":1950,"primary":1951,"id":1963,"slice_type":1514,"slice_label":9},[],{"heading":1952,"content":1953,"link_heading":1364},"How does home valuation affect your premium?",[1954,1957,1960],{"type":70,"text":1955,"spans":1956,"direction":73},"Your insured value is one factor insurers consider when calculating your premium. Other factors, including your property's location, construction, risk profile and selected cover, can also influence the price. ",[],{"type":70,"text":1958,"spans":1959,"direction":73},"Generally, a higher rebuilding cost means a higher potential insurance payout, which can affect your premium. However, deliberately reducing your insured value to lower your monthly payment could leave you without enough cover to rebuild your home after a major loss. ",[],{"type":70,"text":1961,"spans":1962,"direction":73},"The goal is to insure your property for the appropriate amount, rather than simply choosing the lowest premium.",[],"article_content_text$4366098b-f1b0-486e-b130-bbafb3887c73",{"variation":1505,"version":1506,"items":1965,"primary":1966,"id":1978,"slice_type":1514,"slice_label":9},[],{"heading":1967,"content":1968,"link_heading":1364},"Have renovations changed your home's value?",[1969,1972,1975],{"type":70,"text":1970,"spans":1971,"direction":73},"Renovations can increase rebuilding costs, even if they don't increase your home's market value by the same amount. ",[],{"type":70,"text":1973,"spans":1974,"direction":73},"A new kitchen, room extension, garage, swimming pool or solar installation could change the amount of cover you need. ",[],{"type":70,"text":1976,"spans":1977,"direction":73},"After making significant improvements, review your policy and notify your insurer. Keeping your insured value up to date helps ensure that your cover reflects the property you own today. ",[],"article_content_text$e7617a7f-f3af-483d-a712-7ffe50c5bdd8",{"variation":1505,"version":1506,"items":1980,"primary":1981,"id":1998,"slice_type":1514,"slice_label":9},[],{"heading":1982,"content":1983,"link_heading":1364},"What happens if your home is underinsured?",[1984,1987,1990,1993],{"type":70,"text":1985,"spans":1986,"direction":73},"Underinsurance occurs when your insured amount is lower than the value required to cover your property adequately under your policy. ",[],{"type":70,"text":1988,"spans":1989,"direction":73},"If a major loss occurs, your payout may not cover the full rebuilding cost. Depending on your policy wording, an average clause may also reduce a claim proportionally when the property is underinsured. ",[],{"type":70,"text":1991,"spans":1992,"direction":73},"For example, if rebuilding your home would cost R2 million but you insured it for only R1 million, you could face a significant shortfall. ",[],{"type":70,"text":1994,"spans":1995,"direction":73},"Reducing your insured value to save on premiums today could leave you facing much larger expenses later.",[1996],{"start":28,"end":1997,"type":1887},104,"article_content_text$6ce651ba-12aa-4297-bd3c-00e398b09e98",{"variation":1505,"version":1506,"items":2000,"primary":2001,"id":2022,"slice_type":1514,"slice_label":9},[],{"heading":2002,"content":2003,"link_heading":1364},"How often should you review your insured value?",[2004,2007,2010,2013,2016,2019],{"type":70,"text":2005,"spans":2006,"direction":73},"Review your rebuilding costs regularly, particularly: ",[],{"type":1591,"text":2008,"spans":2009,"direction":73},"After renovations or extensions. ",[],{"type":1591,"text":2011,"spans":2012,"direction":73},"When installing solar panels or other permanent features. ",[],{"type":1591,"text":2014,"spans":2015,"direction":73},"When construction costs increase significantly. ",[],{"type":1591,"text":2017,"spans":2018,"direction":73},"During your annual insurance review. ",[],{"type":70,"text":2020,"spans":2021,"direction":73},"Check your policy schedule and ask your insurer whether your current insured value remains appropriate.",[],"article_content_text$ab1bd3a3-3d0a-4583-ad19-09933dc33243",{"variation":1505,"version":1506,"items":2024,"primary":2025,"id":2042,"slice_type":1514,"slice_label":9},[],{"heading":2026,"content":2027,"link_heading":395},"Protect your home with the right cover",[2028,2031,2034],{"type":70,"text":2029,"spans":2030,"direction":73},"An accurate home valuation helps ensure your property is insured for the right amount, reducing the risk of underinsurance and unexpected rebuilding costs. ",[],{"type":70,"text":2032,"spans":2033,"direction":73},"Review your insured value regularly and explore Miway Buildings Insurance to find cover suited to your home's needs. ",[],{"type":70,"text":2035,"spans":2036,"direction":73},"Get a Miway Buildings Insurance quote.",[2037,2040],{"start":28,"end":2038,"type":216,"data":2039},37,{"link_type":78,"url":1526,"target":135},{"start":28,"end":2041,"type":1887},38,"article_content_text$b62b9871-1474-4185-bd42-53ee00874b26","How Home Valuation Affects Buildings Insurance Premiums? | Miway","Learn how rebuilding costs affect home insurance premiums, what to include in your property valuation and how to avoid underinsurance in South Africa.","building insurance",{"dimensions":2047,"alt":1848,"copyright":9,"url":2048,"id":1850,"edit":2049},{"width":1623,"height":1624},"https://images.prismic.io/miway-website/ps4Ik4LQItvIgXh2_WhatRoleDoesHomeValuationPlayinDeterminingInsurance_Premiums-1-.png?auto=format,compress&rect=523,0,1116,586&w=2400&h=1260",{"x":1627,"y":28,"zoom":29,"background":30},{"link_type":35},[2052],{"type":70,"text":1858,"spans":2053,"direction":73},[],{"id":2055,"type":1636,"tags":2056,"lang":16,"slug":2057,"first_publication_date":2058,"last_publication_date":2059,"uid":2060,"link_type":393,"key":2061,"isBroken":395},"ZwZojxAAACAAqGYz",[],"truck-insurance","2024-10-09T11:27:16+0000","2025-05-26T06:48:24+0000","some-service-block","efd0f26f-7b2c-4878-98b4-56466523e36f",[],{"dimensions":2064,"alt":1848,"copyright":9,"url":1849,"id":1850,"edit":2065},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},{"id":2067,"uid":2068,"url":2069,"type":1470,"href":2070,"tags":2071,"first_publication_date":2072,"last_publication_date":2072,"slugs":2073,"linked_documents":2075,"lang":16,"alternate_languages":2076,"data":2077},"atsM_BIAACoAoA7t","steps-to-take-to-lower-my-home-insurance-premium","/blog/steps-to-take-to-lower-my-home-insurance-premium","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=avQpNBIAAC4AOj0t&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22atsM_BIAACoAoA7t%22%29+%5D%5D",[959],"2026-10-23T11:08:01+0000",[2074],"2026-10-23t0500000000",[],[],{"date":2078,"heading":2079,"duration":9,"article_type":2080,"category":2083,"related_product":2087,"thumbnail":2090,"type":9,"related_insurance":9,"slices":2096,"meta_title":2208,"meta_description":2209,"meta_keywords":2210,"meta_image":2211,"canonical":2215,"intro":2216,"author":1633,"service_block":2220,"in_this_article":2223,"hero_image":2224},"2026-10-23T05:00:00+0000","What steps can I take to lower my home insurance premium?",{"id":1367,"type":1340,"tags":2081,"lang":16,"slug":1369,"first_publication_date":1370,"last_publication_date":1370,"uid":1369,"url":1344,"link_type":393,"key":2082,"isBroken":395},[],"f6de306a-059b-48b8-adb0-b49a04e600a3",{"id":1485,"type":1486,"tags":2084,"lang":16,"slug":1378,"first_publication_date":1488,"last_publication_date":1488,"uid":1378,"url":1344,"data":2085,"link_type":393,"key":2086,"isBroken":395},[],{"name":680},"776c404a-3711-4083-a2f8-b9ee71dec4b8",{"id":772,"type":515,"tags":2088,"lang":16,"slug":774,"first_publication_date":775,"last_publication_date":776,"uid":777,"url":778,"link_type":393,"key":2089,"isBroken":395},[517,688,519],"cd5b0fb3-7af9-4692-8989-647739209060",{"dimensions":2091,"alt":2092,"copyright":9,"url":2093,"id":2094,"edit":2095},{"width":1495,"height":1496},"Home Insurance ","https://images.prismic.io/miway-website/2CzCnWlRYE0QLaZj_WhatStepsCanITaketoLowerMyHomeInsurancePremiums.png?auto=format,compress","2CzCnWlRYE0QLaZj",{"x":28,"y":28,"zoom":29,"background":30},[2097,2111,2120,2188],{"variation":1505,"version":1506,"items":2098,"primary":2099,"id":2110,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":2100,"link_heading":1364},[2101,2104,2107],{"type":70,"text":2102,"spans":2103,"direction":73},"Rising fuel prices, interest rates and living costs are putting pressure on household budgets. While cutting insurance may seem like an easy saving, cancelling your home contents cover could leave you paying to replace your belongings after an insured event. ",[],{"type":70,"text":2105,"spans":2106,"direction":73},"The good news is that you can look for savings without compromising essential protection. ",[],{"type":70,"text":2108,"spans":2109,"direction":73}," ",[],"article_content_text$1c31b190-7bee-4f66-8441-51fbbba4cf11",{"variation":1505,"version":1506,"items":2112,"primary":2113,"id":2119,"slice_type":1514,"slice_label":9},[],{"heading":2114,"content":2115,"link_heading":1364},"How to review your current policy",[2116],{"type":70,"text":2117,"spans":2118,"direction":73},"Lowering your home insurance premium doesn't have to mean sacrificing essential protection. A few practical adjustments could help you manage your monthly costs while keeping your belongings covered. Here are five steps to review your policy, identify potential savings and get better value from your insurance. ",[],"article_content_text$583c5ba4-4e2a-47a8-9e51-fac739814fa7",{"variation":1773,"version":1506,"items":2121,"primary":2122,"id":2187,"slice_type":1514,"slice_label":9},[],{"heading":2114,"content":2123,"sub_sections":2126,"link_heading":1364},[2124],{"type":70,"text":2117,"spans":2125,"direction":73},[],[2127,2139,2151,2163,2172],{"subheading":2128,"list":2129,"link_subsection":1364},"Review your current policy",[2130,2133,2136],{"type":70,"text":2131,"spans":2132,"direction":73},"Your circumstances can change over time. You may have bought new belongings, upgraded your electronics or changed your security arrangements. ",[],{"type":70,"text":2134,"spans":2135,"direction":73},"Check what your policy covers, which exclusions apply, what excess you would pay when claiming and whether you're paying for optional benefits you no longer need. ",[],{"type":70,"text":2137,"spans":2138,"direction":73},"Contact your insurer before removing cover. A lower premium isn't necessarily worth the risk of being left exposed to a significant expense.",[],{"subheading":2140,"list":2141,"link_subsection":1364},"Consider adjusting your excess",[2142,2145,2148],{"type":70,"text":2143,"spans":2144,"direction":73},"Your excess is the amount you pay towards an approved claim, subject to your policy terms. Depending on your policy, choosing a higher voluntary excess may reduce your monthly premium. ",[],{"type":70,"text":2146,"spans":2147,"direction":73},"Miway Home Contents Insurance has a standard excess of R1,500, with the option for eligible policyholders to choose a voluntary excess of up to R5,000. Additional excesses may apply, including a separate standard excess for lightning and power surge claims. ",[],{"type":70,"text":2149,"spans":2150,"direction":73},"Before increasing your excess, consider whether you could comfortably afford it if you needed to claim. Compare the monthly saving against the additional amount you might have to pay yourself. ",[],{"subheading":2152,"list":2153,"link_subsection":1364},"Make sure your insured values are accurate",[2154,2157,2160],{"type":70,"text":2155,"spans":2156,"direction":73},"Reducing your insured values simply to lower your premium can leave you underinsured. ",[],{"type":70,"text":2158,"spans":2159,"direction":73},"Home contents insurance should reflect the cost of replacing your belongings. Review your furniture, appliances, electronics and other possessions, and update your valuations when you make significant purchases. ",[],{"type":70,"text":2161,"spans":2162,"direction":73},"The aim is to insure your belongings for an appropriate replacement value, not simply to choose the lowest possible amount. ",[],{"subheading":2164,"list":2165,"link_subsection":1364},"Review your security and maintenance",[2166,2169],{"type":70,"text":2167,"spans":2168,"direction":73},"Good security and regular maintenance can help manage risk. Secure doors and windows, maintain existing security systems, and address leaks or other maintenance issues before they worsen. ",[],{"type":70,"text":2170,"spans":2171,"direction":73},"Ask your insurer whether security improvements could affect your premium before spending money on upgrades specifically to save on insurance. ",[],{"subheading":2173,"list":2174,"link_subsection":1364},"Review your optional cover",[2175,2178,2181,2184],{"type":70,"text":2176,"spans":2177,"direction":73},"Your premium depends partly on the value of your belongings and the level of cover you choose. Review your optional benefits to determine whether they still suit your household. ",[],{"type":70,"text":2179,"spans":2180,"direction":73},"Miway Home Contents Insurance covers specified events such as theft, fire, storms, burst pipes and geyser damage, subject to policy terms. Optional benefits include extended theft cover, locks and keys, garden and leisure equipment, and lightning and power surges. ",[],{"type":70,"text":2182,"spans":2183,"direction":73},"Ask your insurer what each option costs and which risks it covers before making changes. If you regularly take valuables such as a cellphone or laptop outside your home, check whether you need separate portable possessions cover. ",[],{"type":70,"text":2185,"spans":2186,"direction":73},"The aim is to pay for protection that fits your circumstances without leaving important belongings exposed.",[],"article_content_text$7ee655ed-4f81-4ad4-9d8c-19bc00d62ccb",{"variation":1505,"version":1506,"items":2189,"primary":2190,"id":2207,"slice_type":1514,"slice_label":9},[],{"heading":2191,"content":2192,"link_heading":1364},"Keep your belongings protected while managing costs",[2193,2196,2199,2202],{"type":70,"text":2194,"spans":2195,"direction":73},"Rising living costs make reviewing household expenses important, but cancelling insurance could expose you to costs far greater than the premiums you save. ",[],{"type":70,"text":2197,"spans":2198,"direction":73},"Start by reviewing your excess, insured values and optional benefits. You may find ways to reduce your premium while retaining the protection your belongings need. ",[],{"type":70,"text":2200,"spans":2201,"direction":73},"Review Miway's home contents cover to see whether its available protection and benefits suit your household and budget. ",[],{"type":70,"text":2203,"spans":2204,"direction":73},"Explore Miway Home Contents Insurance ",[2205],{"start":28,"end":2038,"type":216,"data":2206},{"link_type":78,"url":1550,"target":135},"article_content_text$7f5b023b-7623-4b27-9bf3-00dfa89ca5b0","How to Lower Your Home Insurance Premiums in SA | Miway","Rising living costs putting pressure on your budget? Discover ways to lower home contents insurance premiums without leaving your belongings underinsured.","home insurance",{"dimensions":2212,"alt":2092,"copyright":9,"url":2213,"id":2094,"edit":2214},{"width":1623,"height":1624},"https://images.prismic.io/miway-website/2CzCnWlRYE0QLaZj_WhatStepsCanITaketoLowerMyHomeInsurancePremiums.png?auto=format,compress&rect=523,0,1116,586&w=2400&h=1260",{"x":1627,"y":28,"zoom":29,"background":30},{"link_type":35},[2217],{"type":70,"text":2218,"spans":2219,"direction":73},"Rising living costs putting pressure on your budget? Discover practical ways to lower home contents insurance premiums without leaving your belongings underinsured.",[],{"id":1635,"type":1636,"tags":2221,"lang":16,"slug":777,"first_publication_date":1638,"last_publication_date":1639,"uid":777,"link_type":393,"key":2222,"isBroken":395},[761,688],"bad28ec8-677f-48b0-9102-b885b19483a0",[],{"dimensions":2225,"alt":2092,"copyright":9,"url":2093,"id":2094,"edit":2226},{"width":1495,"height":1496},{"x":28,"y":28,"zoom":29,"background":30},{"id":2228,"uid":2229,"url":2230,"type":1470,"href":2231,"tags":2232,"first_publication_date":2234,"last_publication_date":2234,"slugs":2235,"linked_documents":2237,"lang":16,"alternate_languages":2238,"data":2239},"as_othUAAC8Abbck","what-is-the-difference-between-scratch-and-dent-cover-and-comprehensive-car-insurance","/blog/what-is-the-difference-between-scratch-and-dent-cover-and-comprehensive-car-insurance","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=avQpNBIAAC4AOj0t&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22as_othUAAC8Abbck%22%29+%5D%5D",[495,517,2233],"Your car","2026-10-15T06:58:16+0000",[2236],"2026-10-15t2100000000",[],[],{"date":2240,"heading":2241,"duration":9,"article_type":2242,"category":2245,"related_product":2249,"thumbnail":2252,"type":1501,"related_insurance":2260,"slices":2261,"meta_title":2437,"meta_description":2438,"meta_keywords":2439,"meta_image":2440,"canonical":2444,"intro":2445,"author":1633,"service_block":2449,"in_this_article":2456,"hero_image":2457},"2026-10-15T21:00:00+0000","What is the difference between scratch and dent cover and comprehensive car insurance",{"id":1339,"type":1340,"tags":2243,"lang":16,"slug":1342,"first_publication_date":1343,"last_publication_date":1343,"uid":1342,"url":1344,"link_type":393,"key":2244,"isBroken":395},[],"0051f76c-1be7-4afb-ac97-c09dd9ad9e6b",{"id":1485,"type":1486,"tags":2246,"lang":16,"slug":1378,"first_publication_date":1488,"last_publication_date":1488,"uid":1378,"url":1344,"data":2247,"link_type":393,"key":2248,"isBroken":395},[],{"name":680},"d61abdb3-4cbe-46e0-a204-ce1287837e6e",{"id":626,"type":515,"tags":2250,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":2251,"isBroken":395},[519],"a654a79f-02ef-44fe-aa24-1dd3c85806b3",{"dimensions":2253,"alt":2256,"copyright":9,"url":2257,"id":2258,"edit":2259},{"width":2254,"height":2255},2161,585,"Scratch and dent cover ","https://images.prismic.io/miway-website/whPs9N-YPK7KKA8p_Scratchanddent.jpg?auto=format,compress","whPs9N-YPK7KKA8p",{"x":28,"y":28,"zoom":29,"background":30},"Car",[2262,2274,2286,2300,2312,2339,2356,2368,2392,2401],{"variation":1505,"version":1506,"items":2263,"primary":2264,"id":2273,"slice_type":1514,"slice_label":9},[],{"heading":9,"content":2265,"link_heading":1364},[2266],{"type":70,"text":2267,"spans":2268,"direction":73},"Scratch and dent cover is limited protection for minor cosmetic vehicle damage, while comprehensive car insurance covers a much broader range of insured risks, including major accidental damage, theft, hijacking, fire, weather events and third-party liability. Scratch and dent cover can complement comprehensive insurance, but it is not a substitute for it.",[2269],{"start":28,"end":2270,"type":216,"data":2271},22,{"link_type":78,"url":2272,"target":135},"https://www.miway.co.za/chips-scratch-and-dent","article_content_text$f531008f-0dd6-4a63-824c-51e08700a8ff",{"variation":1505,"version":1506,"items":2275,"primary":2276,"id":2285,"slice_type":1514,"slice_label":9},[],{"heading":2277,"content":2278,"link_heading":1364},"What is scratch and dent cover",[2279,2282],{"type":70,"text":2280,"spans":2281,"direction":73},"Scratch and dent cover is designed for small, repairable damage caused by everyday motoring. Depending on the product, it may include light scratches, minor dents, paint chips, scuffed bumpers or windscreen chips, subject to size, location, repair method and claim limits.",[],{"type":70,"text":2283,"spans":2284,"direction":73},"Miway’s Scratch and Dent cover currently describes protection for paint and windscreen chips, minor scuffs, dents and scratches. Customers should check the policy wording for eligible panels, damage measurements, excesses, repair limits and exclusions.",[],"article_content_text$9992bb3d-ff43-43d2-91ec-234971053b72",{"variation":1505,"version":1506,"items":2287,"primary":2288,"id":2299,"slice_type":1514,"slice_label":9},[],{"heading":2289,"content":2290,"link_heading":1364},"What is comprehensive car insurance",[2291,2296],{"type":70,"text":2292,"spans":2293,"direction":73},"Comprehensive car insurance is broad motor cover for accidental loss of or damage to the insured vehicle and liability for damage to another party’s property. Depending on the policy, insured events may include collisions, theft, hijacking, fire, hail, storms and floods.",[2294],{"start":28,"end":1937,"type":216,"data":2295},{"link_type":78,"url":1721,"target":135},{"type":70,"text":2297,"spans":2298,"direction":73},"Comprehensive does not mean every possible event is automatically covered. Excesses, exclusions, security conditions, driver details, vehicle use and policy limits still apply. The schedule and wording remain the final source of cover.",[],"article_content_text$8b756f17-ef7d-4d37-9a80-0a2635c96d39",{"variation":1505,"version":1506,"items":2301,"primary":2302,"id":2311,"slice_type":1514,"slice_label":9},[],{"heading":2303,"content":2304,"link_heading":1364},"What is the main difference",[2305,2308],{"type":70,"text":2306,"spans":2307,"direction":73},"The main difference is the scale and type of risk. Scratch and dent cover deals with defined cosmetic damage that can usually be repaired without major panel replacement. Comprehensive insurance responds to broader, potentially severe financial losses involving the vehicle or third parties.",[],{"type":70,"text":2309,"spans":2310,"direction":73},"A shallow parking dent may fit a scratch and dent policy. Damage from a collision that affects several panels, lights or structural components is more likely to fall under comprehensive cover, if the event is insured. The insurer determines the applicable section after assessment.",[],"article_content_text$d9a85b7a-0ed2-493c-91b0-735348c39c4d",{"variation":1505,"version":1506,"items":2313,"primary":2314,"id":2338,"slice_type":1514,"slice_label":9},[],{"heading":2315,"content":2316,"link_heading":1364},"What scratch and dent cover usually does not replace",[2317,2320,2323,2326,2329,2332,2335],{"type":70,"text":2318,"spans":2319,"direction":73},"•  Cover for theft or hijacking.",[],{"type":70,"text":2321,"spans":2322,"direction":73},"•  Major collision or structural damage.",[],{"type":70,"text":2324,"spans":2325,"direction":73},"•  Fire, hail, flood or other insured weather losses.",[],{"type":70,"text":2327,"spans":2328,"direction":73},"•  Third-party property damage liability.",[],{"type":70,"text":2330,"spans":2331,"direction":73},"•  Mechanical breakdown, maintenance or wear and tear.",[],{"type":70,"text":2333,"spans":2334,"direction":73},"•  Damage outside the product’s size, panel or repair limits.",[],{"type":70,"text":2336,"spans":2337,"direction":73},"Because these exposures can be financially significant, a low-cost cosmetic policy should not be treated as full vehicle insurance.",[],"article_content_text$d01530c8-4972-4b63-ab4a-245aebba31ca",{"variation":1505,"version":1506,"items":2340,"primary":2341,"id":2355,"slice_type":1514,"slice_label":9},[],{"heading":2342,"content":2343,"link_heading":1364},"Why drivers may choose both types of cover",[2344,2347],{"type":70,"text":2345,"spans":2346,"direction":73},"Comprehensive policyholders may hesitate to claim for a small scratch because the comprehensive excess could exceed the repair cost or the claim could affect their claims history or rewards. A separate scratch and dent product can provide a defined route for eligible minor repairs.",[],{"type":70,"text":2348,"spans":2349,"direction":73},"Using both types of cover can therefore separate frequent cosmetic damage from less frequent but serious risks. Miway also offers MiMotor Combo, which bundles Scratch and Dent with Tyre and Rim cover for customers who want both forms of day-to-day protection.",[2350],{"start":2351,"end":2352,"type":216,"data":2353},130,143,{"link_type":78,"url":2354,"target":135},"https://www.miway.co.za/mimotor-combo","article_content_text$f84390a1-1356-46ec-9507-f82c5e46aecc",{"variation":1505,"version":1506,"items":2357,"primary":2358,"id":2367,"slice_type":1514,"slice_label":9},[],{"heading":2359,"content":2360,"link_heading":1364},"How claims and excesses can differ",[2361,2364],{"type":70,"text":2362,"spans":2363,"direction":73},"Scratch and dent claims typically use a specialised repair network and may be subject to a product-specific excess and annual repair limit. Comprehensive claims can involve assessment, towing, panel beating, parts replacement, total-loss calculations and third-party costs.",[],{"type":70,"text":2365,"spans":2366,"direction":73},"Do not arrange repairs before approval. Photograph the damage, record when and how it occurred, and submit the claim through the insurer’s approved channel. Miway customers can use the Miway App or the claims process described online.",[],"article_content_text$67bf2be9-3c42-4922-8eeb-b66caffea5e9",{"variation":1505,"version":1506,"items":2369,"primary":2370,"id":2391,"slice_type":1514,"slice_label":9},[],{"heading":2371,"content":2372,"link_heading":1364},"How to choose the right cover",[2373,2376,2379,2382,2385,2388],{"type":70,"text":2374,"spans":2375,"direction":73},"•  Choose comprehensive cover when you need protection against major own-vehicle loss and third-party liability.",[],{"type":70,"text":2377,"spans":2378,"direction":73},"•  Consider scratch and dent cover when minor cosmetic damage matters and the product limits suit your vehicle.",[],{"type":70,"text":2380,"spans":2381,"direction":73},"•  Compare premiums, excesses, annual limits and excluded damage.",[],{"type":70,"text":2383,"spans":2384,"direction":73},"•  Check whether the vehicle is financed, because the finance agreement may require comprehensive cover.",[],{"type":70,"text":2386,"spans":2387,"direction":73},"•  Ask how an incident involving both cosmetic and major damage will be handled.",[],{"type":70,"text":2389,"spans":2390,"direction":73},"The right arrangement depends on the vehicle’s value, finance status, repair costs, use and the losses the owner could fund without insurance.",[],"article_content_text$361b809f-a60c-49d0-8d08-e2dd887b0d2f",{"variation":1505,"version":1506,"items":2393,"primary":2394,"id":2400,"slice_type":1514,"slice_label":9},[],{"heading":2395,"content":2396,"link_heading":1364},"The bottom line",[2397],{"type":70,"text":2398,"spans":2399,"direction":73},"Scratch and dent cover is a focused cosmetic repair product. Comprehensive car insurance is broad financial protection against major vehicle and liability risks. Many drivers may benefit from both, but the terms, limits and exclusions should be compared before purchase.",[],"article_content_text$9cf8745b-6bb3-4be3-b2d1-ab36db15db24",{"variation":1773,"version":1506,"items":2402,"primary":2403,"id":2436,"slice_type":1514,"slice_label":9},[],{"heading":1776,"content":2404,"sub_sections":2405,"link_heading":1364},[],[2406,2412,2418,2424,2430],{"subheading":2407,"list":2408,"link_subsection":1364},"Is scratch and dent cover the same as comprehensive car insurance?",[2409],{"type":70,"text":2410,"spans":2411,"direction":73},"No. Scratch and dent cover is limited to defined minor cosmetic damage. Comprehensive insurance protects against a broader range of major insured events and third-party liability.",[],{"subheading":2413,"list":2414,"link_subsection":1364},"Can I buy scratch and dent cover without comprehensive insurance?",[2415],{"type":70,"text":2416,"spans":2417,"direction":73},"Some products may be available separately. Eligibility and conditions vary, so confirm this with the insurer and do not assume it provides full vehicle protection.",[],{"subheading":2419,"list":2420,"link_subsection":1364},"Will comprehensive insurance pay for a small scratch?",[2421],{"type":70,"text":2422,"spans":2423,"direction":73},"It may if the cause is insured, but the excess could be higher than the repair cost and policy terms apply. Ask the insurer before claiming.",[],{"subheading":2425,"list":2426,"link_subsection":1364},"Does scratch and dent cover include windscreen chips?",[2427],{"type":70,"text":2428,"spans":2429,"direction":73},"Some products do. Miway’s product description includes windscreen chips, but repair criteria, limits and exclusions in the policy wording apply.",[],{"subheading":2431,"list":2432,"link_subsection":1364},"Which cover do I need for a financed car?",[2433],{"type":70,"text":2434,"spans":2435,"direction":73},"Finance agreements commonly require comprehensive insurance. Confirm the lender’s requirements; scratch and dent cover alone is generally not equivalent.",[],"article_content_text$71d30962-af1d-4e8f-a406-a81757da4e25","Scratch and Dent vs Comprehensive Car Insurance | Miway Insurance","Compare scratch and dent cover with comprehensive car insurance, including what each covers, common limits, claims and when SA drivers may need both.","scratch and dent insurance, comprehensive insurance",{"dimensions":2441,"alt":2256,"copyright":9,"url":2442,"id":2258,"edit":2443},{"width":1623,"height":1624},"https://images.prismic.io/miway-website/whPs9N-YPK7KKA8p_Scratchanddent.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":1627,"y":28,"zoom":29,"background":30},{"link_type":35},[2446],{"type":70,"text":2447,"spans":2448,"direction":73},"Scratch and dent cover is limited protection for minor cosmetic vehicle damage, while comprehensive car insurance covers a much broader range of insured risks, including major accidental damage, theft, hijacking, fire, weather events and third-party liability.",[],{"id":2450,"type":1636,"tags":2451,"lang":16,"slug":631,"first_publication_date":2452,"last_publication_date":2453,"uid":2454,"link_type":393,"key":2455,"isBroken":395},"ZwYbiRAAACEAp-qZ",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block","9fc7118c-e95f-4033-94dc-72cb956ec49d",[],{"dimensions":2458,"alt":2256,"copyright":9,"url":2257,"id":2258,"edit":2459},{"width":2254,"height":2255},{"x":28,"y":28,"zoom":29,"background":30},1794410533365]