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With moveables cover, your insurance keeps pace with your lifestyle — protecting you when it matters most.",[1700],{"start":32,"end":1701,"type":219,"data":1702},38,{"link_type":81,"url":1703,"target":1637},"https://www.miway.co.za/blog/what-you-should-know-about-all-risk-insurance",{"type":73,"text":1705,"spans":1706,"direction":76},"Don’t leave your most valuable possessions exposed. Get moveables cover with Miway and enjoy peace of mind wherever life takes you. 👉 Get a quick quote online now.",[1707,1710],{"start":1708,"end":1709,"type":1629},56,82,{"start":1711,"end":1712,"type":219,"data":1713},135,163,{"link_type":81,"url":1714,"target":138},"https://www.miway.co.za/?utm_source=copilot.com","article_content_text$bdd9559e-c0e1-405f-9940-cc36da6ab88d","Your most valuable items — smartphones, laptops, jewellery — are often at risk outside your home. Learn why moveables cover (all-risk insurance) is essential for modern lifestyles in South Africa.","moveables all risk",{"dimensions":1719,"alt":1610,"copyright":9,"url":1722,"id":1612,"edit":1723},{"width":1720,"height":1721},2400,1260,"https://images.prismic.io/miway-website/ahXe-LK9tuLqEKUI_moveables-insurance.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":1724,"y":32,"zoom":7,"background":33},523,{"link_type":38},[1727],{"type":73,"text":1728,"spans":1729,"direction":76},"South Africans often focus on protecting valuables at home, but many of their most expensive possessions are carried daily and face greater risk outside the house.",[],"Miway",{"id":1732,"type":1733,"tags":1734,"lang":20,"slug":1735,"first_publication_date":1736,"last_publication_date":1737,"uid":1738,"data":1739,"link_type":411,"key":1770,"isBroken":413},"ZwY4_BAAACAAqBd3","service_block",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block",{"description":1740,"cta_text":401,"cta_link_href":1744,"buttons":1747,"pictogram":1756,"title":1769},[1741],{"type":73,"text":1742,"spans":1743,"direction":76},"If you are looking for some help, this is the right place. Find help now.",[],{"id":403,"type":404,"tags":1745,"lang":20,"slug":406,"first_publication_date":407,"last_publication_date":408,"uid":409,"url":410,"link_type":411,"key":1746,"isBroken":413},[],"8d400839-0eaf-4b3f-b247-2b8ca5063521",[1748,1752],{"button_text":1749,"button_link":1750,"button_colour":1751,"button_variant":1617,"functionality":1749},"Call me back",{"link_type":38},"white",{"button_text":1753,"button_link":1754,"button_colour":1751,"button_variant":1755,"functionality":1753},"Get my quote",{"link_type":38},"outline",{"dimensions":1757,"alt":9,"copyright":9,"url":1760,"id":861,"edit":1761,"mobile":1762},{"width":1758,"height":1759},338,361,"https://images.prismic.io/miway-website/Z7hoHp7c43Q3gD6w_MiGuard.png?auto=format,compress&rect=1,0,963,1028&w=338&h=361",{"x":7,"y":32,"zoom":7,"background":33},{"dimensions":1763,"alt":9,"copyright":9,"url":1766,"id":861,"edit":1767},{"width":1764,"height":1765},200,212,"https://images.prismic.io/miway-website/Z7hoHp7c43Q3gD6w_MiGuard.png?auto=format,compress&rect=0,3,964,1022&w=200&h=212",{"x":32,"y":1768,"zoom":7,"background":33},3,"Need some help?","176a1e22-174d-4820-97ee-7174929e5f04",[],{"dimensions":1773,"alt":1610,"copyright":9,"url":1611,"id":1612,"edit":1774},{"width":1608,"height":1609},{"x":32,"y":32,"zoom":7,"background":33},[1776,1980,2305,2468],{"id":1777,"uid":1778,"url":1779,"type":1577,"href":1780,"tags":1781,"first_publication_date":1782,"last_publication_date":1783,"slugs":1784,"linked_documents":1786,"lang":20,"alternate_languages":1787,"data":1788},"Z5ddLRAAACMAbDAY","why-your-insurance-premiums-don-t-decline-as-your-car-gets-older","/blog/why-your-insurance-premiums-don-t-decline-as-your-car-gets-older","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=ahXh3BIAAC0AbA7G&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z5ddLRAAACMAbDAY%22%29+%5D%5D",[1014,706],"2025-01-27T10:17:19+0000","2026-03-19T20:02:42+0000",[1785],"1.-vehicle-repair-costs",[],[],{"date":1789,"heading":1790,"duration":1768,"article_type":1791,"category":1794,"related_product":1798,"thumbnail":1799,"type":1614,"related_insurance":1807,"slices":1808,"meta_title":1790,"meta_description":1957,"meta_keywords":1958,"meta_image":1959,"canonical":1964,"intro":1965,"author":1730,"service_block":1969,"in_this_article":1976,"hero_image":1977},"2026-03-19T11:00:00+0000","Why your insurance premiums don't decline as your car gets older",{"id":1354,"type":1355,"tags":1792,"lang":20,"slug":1357,"first_publication_date":1358,"last_publication_date":1358,"uid":1357,"url":1359,"link_type":411,"key":1793,"isBroken":413},[],"54454419-8472-4d77-8105-c33f206ad264",{"id":1597,"type":1598,"tags":1795,"lang":20,"slug":1600,"first_publication_date":1601,"last_publication_date":1601,"uid":1600,"url":1359,"data":1796,"link_type":411,"key":1797,"isBroken":413},[],{"name":698},"5eb89dc7-aa18-4eba-8556-504365c537f8",{"link_type":411},{"dimensions":1800,"alt":1803,"copyright":9,"url":1804,"id":1805,"edit":1806},{"width":1801,"height":1802},1152,404,"Lady standing behind classic car","https://images.prismic.io/miway-website/Z5dcN5bqstJ993p2_WhyYourInsurancePremiumsDontDeclineAsYourCarGetsOlder.jpeg?auto=format,compress","Z5dcN5bqstJ993p2",{"x":32,"y":32,"zoom":7,"background":33},"Car",[1809,1825,1844,1910,1922,1945],{"variation":1617,"version":1618,"items":1810,"primary":1811,"id":1824,"slice_type":1640,"slice_label":9},[],{"heading":9,"content":1812,"link_heading":413},[1813,1821],{"type":73,"text":1814,"spans":1815,"direction":76},"In reality, the way insurers calculate premiums is far more complex. While a vehicle’s market value usually declines each year, several other factors influence what you pay for car insurance. These include the cost of repairs, inflation, theft risk, claims history, and the overall cost of insurance across the industry.",[1816],{"start":1817,"end":1818,"type":219,"data":1819},177,190,{"link_type":81,"url":1820,"target":1637},"https://www.miway.co.za/car-insurance",{"type":73,"text":1822,"spans":1823,"direction":76},"Understanding how these elements work together can help drivers make better decisions about their insurance cover and avoid surprises when reviewing or renewing their policy.",[],"article_content_text$b3b7af22-ec0b-4464-bada-68fb01fcfb2d",{"variation":1617,"version":1618,"items":1826,"primary":1827,"id":1843,"slice_type":1640,"slice_label":9},[],{"heading":1828,"content":1829,"link_heading":1638},"Why car insurance premiums don’t always decrease",[1830,1833,1840],{"type":73,"text":1831,"spans":1832,"direction":76},"Although vehicles depreciate over time, the cost of repairing them often increases. Modern vehicles include sophisticated electronics such as sensors, cameras, advanced driver-assistance systems and specialised materials. These technologies improve safety but can significantly increase repair costs.",[],{"type":73,"text":1834,"spans":1835,"direction":76},"According to Statistics South Africa Consumer Price Index reports, inflation continues to influence the cost of goods and services across the economy, including vehicle parts and labour. As repair costs increase, insurers must account for these expenses when calculating premiums.",[1836],{"start":1837,"end":1655,"type":219,"data":1838},13,{"link_type":81,"url":1839,"target":138},"https://www.statssa.gov.za",{"type":73,"text":1841,"spans":1842,"direction":76},"This means that even though your vehicle may be worth less than when you purchased it, the cost of repairing damage after an accident may still be high.",[],"article_content_text$99de3afc-0d4f-4279-8751-42a27f811d5b",{"variation":1617,"version":1618,"items":1845,"primary":1846,"id":1909,"slice_type":1640,"slice_label":9},[],{"heading":1847,"content":1848,"link_heading":1638},"Key factors that influence car insurance premiums",[1849,1852,1856,1859,1867,1870,1873,1876,1879,1882,1885,1893,1896,1899,1902],{"type":73,"text":1850,"spans":1851,"direction":76},"Insurance premiums are calculated using a range of variables. Understanding these factors explains why premiums may remain stable even when your vehicle depreciates.",[],{"type":1853,"text":1854,"spans":1855,"direction":76},"heading3","1. Vehicle repair costs",[],{"type":73,"text":1857,"spans":1858,"direction":76},"Modern vehicles are more technologically advanced than ever before. While these systems improve safety, they also increase the cost of repairs. Even a minor accident can involve replacing sensors, recalibrating driver-assistance systems, or sourcing specialised components.",[],{"type":73,"text":1860,"spans":1861,"direction":76},"If you want to understand the types of cover that protect against these risks, MiWay explains the details in their guide to comprehensive car insurance.",[1862],{"start":1863,"end":1864,"type":219,"data":1865},124,151,{"link_type":81,"url":1866,"target":138},"https://www.miway.co.za/blog/what-is-comprehensive-car-insurance/",{"type":73,"text":1868,"spans":1869,"direction":76},"Comprehensive cover typically protects against accidents, theft, and damage to your vehicle, which is why repair costs play a significant role in determining insurance pricing.",[],{"type":1853,"text":1871,"spans":1872,"direction":76},"2. Inflation and parts pricing",[],{"type":73,"text":1874,"spans":1875,"direction":76},"Inflation affects nearly every sector of the economy, including the automotive repair industry. Spare parts, specialised tools, and labour costs can increase over time, particularly when parts need to be imported.",[],{"type":73,"text":1877,"spans":1878,"direction":76},"When these costs rise faster than vehicle depreciation, insurers may need to maintain or adjust premiums to reflect the true cost of potential claims.",[],{"type":1853,"text":1880,"spans":1881,"direction":76},"3. Your driver risk profile",[],{"type":73,"text":1883,"spans":1884,"direction":76},"Your car insurance premium is not based only on the vehicle. Insurers also evaluate the driver's risk profile. This may include driving history, previous claims, annual mileage, and where the vehicle is typically parked.",[],{"type":73,"text":1886,"spans":1887,"direction":76},"If you want to better understand what happens after an incident, MiWay provides a helpful explanation in their guide to navigating an insurance claim.",[1888],{"start":1889,"end":1890,"type":219,"data":1891},105,149,{"link_type":81,"url":1892,"target":138},"https://www.miway.co.za/blog/know-your-way-through-a-claim/",{"type":73,"text":1894,"spans":1895,"direction":76},"Drivers with fewer claims and a lower risk profile may benefit from more favourable premiums.",[],{"type":1853,"text":1897,"spans":1898,"direction":76},"4. Theft and accident trends",[],{"type":73,"text":1900,"spans":1901,"direction":76},"Insurance premiums are also influenced by broader industry trends such as theft, fraud, and accident rates.",[],{"type":73,"text":1903,"spans":1904,"direction":76},"According to the South African Insurance Crime Bureau, vehicle-related claims remain a significant contributor to insurance costs across the country. When theft or accident rates increase, insurers may adjust pricing across the market.",[1905],{"start":1683,"end":1906,"type":219,"data":1907},53,{"link_type":81,"url":1908,"target":138},"https://saicb.co.za","article_content_text$1edef068-c1b9-449a-9900-2433d53be61c",{"variation":1617,"version":1618,"items":1911,"primary":1912,"id":1921,"slice_type":1640,"slice_label":9},[],{"heading":1913,"content":1914,"link_heading":1638},"Why older vehicles can sometimes cost more to insure",[1915,1918],{"type":73,"text":1916,"spans":1917,"direction":76},"In some cases, older vehicles may actually become more expensive to insure. This can happen when replacement parts become harder to find or when certain models are targeted more frequently by thieves.",[],{"type":73,"text":1919,"spans":1920,"direction":76},"Older vehicles may also lack modern safety systems that help prevent accidents, which can increase risk for insurers.",[],"article_content_text$5cb1bffd-097c-42d3-98a6-2ae129481e45",{"variation":1617,"version":1618,"items":1923,"primary":1924,"id":1944,"slice_type":1640,"slice_label":9},[],{"heading":1925,"content":1926,"link_heading":413},"Should you review your car insurance policy?",[1927,1930,1933,1941],{"type":73,"text":1928,"spans":1929,"direction":76},"Because many variables affect insurance pricing, reviewing your policy regularly is a smart way to ensure your cover still matches your needs.",[],{"type":73,"text":1931,"spans":1932,"direction":76},"A policy review can help you adjust your insured value, update personal details, or review your excess to ensure your premium reflects your current situation.",[],{"type":73,"text":1934,"spans":1935,"direction":76},"If you are considering new options, explore Miway car insurance solutions to compare cover options and request a personalised quote.",[1936],{"start":1937,"end":1938,"type":219,"data":1939},44,73,{"link_type":81,"url":1940,"target":138},"https://www.miway.co.za/car-insurance/",{"type":73,"text":1942,"spans":1943,"direction":76},"Understanding how insurers calculate premiums allows you to make informed decisions about protecting your vehicle while managing costs.",[],"article_content_text$1da790bd-d247-4f6a-bd2a-f2fc7d3be3f0",{"variation":1617,"version":1618,"items":1946,"primary":1947,"id":1955,"slice_type":1956,"slice_label":9},[],{"image":1948},{"dimensions":1949,"alt":9,"copyright":9,"url":1952,"id":1953,"edit":1954},{"width":1950,"height":1951},698,310,"https://images.prismic.io/miway-website/Z5dc1ZbqstJ993qV_UnderstandTheInsurancedValueOfYourVechile.jpeg?auto=format,compress","Z5dc1ZbqstJ993qV",{"x":32,"y":32,"zoom":7,"background":33},"article_content_image$5d8a8396-29f2-49bd-af32-83383ba9ec13","article_content_image","Learn why car insurance premiums don’t always decrease as vehicles age. Discover the factors that influence car insurance pricing in South Africa.","car insurance",{"dimensions":1960,"alt":1803,"copyright":9,"url":1961,"id":1805,"edit":1962},{"width":1720,"height":1721},"https://images.prismic.io/miway-website/Z5dcN5bqstJ993p2_WhyYourInsurancePremiumsDontDeclineAsYourCarGetsOlder.jpeg?auto=format,compress&rect=191,0,770,404&w=2400&h=1260",{"x":1963,"y":32,"zoom":7,"background":33},191,{"link_type":38},[1966],{"type":73,"text":1967,"spans":1968,"direction":76},"Many motorists assume that as their vehicle gets older and loses value, their car insurance premium should automatically decrease. This assumption seems logical: if the car is worth less, the financial risk to the insurer should also be lower.",[],{"id":1970,"type":1733,"tags":1971,"lang":20,"slug":649,"first_publication_date":1972,"last_publication_date":1973,"uid":1974,"link_type":411,"key":1975,"isBroken":413},"ZwYbiRAAACEAp-qZ",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block","d98fde8e-3e65-42e0-9212-3853b625ac75",[],{"dimensions":1978,"alt":1803,"copyright":9,"url":1804,"id":1805,"edit":1979},{"width":1801,"height":1802},{"x":32,"y":32,"zoom":7,"background":33},{"id":1981,"uid":1982,"url":1983,"type":1577,"href":1984,"tags":1985,"first_publication_date":1986,"last_publication_date":1987,"slugs":1988,"linked_documents":1990,"lang":20,"alternate_languages":1991,"data":1992},"Z6XXghIAACYAO6tv","the-importance-of-stating-the-correct-regular-driver","/blog/the-importance-of-stating-the-correct-regular-driver","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=ahXh3BIAAC0AbA7G&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z6XXghIAACYAO6tv%22%29+%5D%5D",[706,1014,976],"2025-02-07T09:51:25+0000","2026-03-11T05:34:45+0000",[1989],"2026-03-11t0500000000",[],[],{"date":1993,"heading":1994,"duration":1768,"article_type":1995,"category":1998,"related_product":2002,"thumbnail":2005,"type":1614,"related_insurance":1807,"slices":2013,"meta_title":1994,"meta_description":2288,"meta_keywords":1958,"meta_image":2289,"canonical":2293,"intro":2294,"author":1730,"service_block":2298,"in_this_article":2301,"hero_image":2302},"2026-03-11T05:00:00+0000","The importance of stating the correct regular driver",{"id":1354,"type":1355,"tags":1996,"lang":20,"slug":1357,"first_publication_date":1358,"last_publication_date":1358,"uid":1357,"url":1359,"link_type":411,"key":1997,"isBroken":413},[],"9d689e54-0dd1-439c-92bd-3b517a5604c8",{"id":1597,"type":1598,"tags":1999,"lang":20,"slug":1600,"first_publication_date":1601,"last_publication_date":1601,"uid":1600,"url":1359,"data":2000,"link_type":411,"key":2001,"isBroken":413},[],{"name":698},"3abd855e-3558-4529-837b-7c23aa519e96",{"id":644,"type":533,"tags":2003,"lang":20,"slug":646,"first_publication_date":647,"last_publication_date":648,"uid":649,"url":650,"link_type":411,"key":2004,"isBroken":413},[537],"6d59d956-8008-4463-8e9b-0ad04419d7bb",{"dimensions":2006,"alt":2009,"copyright":9,"url":2010,"id":2011,"edit":2012},{"width":2007,"height":2008},980,490,"Lady sitting in car facing out window","https://images.prismic.io/miway-website/Z6XWwZbqstJ9-WDB_TheImportanceOfStatingTheCorrectRegularDriver.jpeg?auto=format,compress","Z6XWwZbqstJ9-WDB",{"x":32,"y":32,"zoom":7,"background":33},[2014,2029,2062,2092,2106,2134,2161,2220,2259],{"variation":1617,"version":1618,"items":2015,"primary":2016,"id":2028,"slice_type":1640,"slice_label":9},[],{"heading":9,"content":2017,"link_heading":413},[2018,2025],{"type":73,"text":2019,"spans":2020,"direction":76},"When you take out car insurance, one of the first questions you’ll be asked is: “Who is the regular (main) driver of the vehicle?” It sounds simple, but it matters more than most people realise — because your premium and your cover are priced around the risk profile of the person who drives the car most often.",[2021],{"start":2022,"end":2023,"type":219,"data":2024},18,31,{"link_type":81,"url":1820,"target":1637},{"type":73,"text":2026,"spans":2027,"direction":76},"If you’re sharing a vehicle as a family, if your child has started driving more regularly, or if your work pattern has changed, this is one detail you don’t want to “set and forget”.",[],"article_content_text$65fff967-5eef-439b-801c-f3d4ce59a9f3",{"variation":1617,"version":1618,"items":2030,"primary":2031,"id":2061,"slice_type":1640,"slice_label":9},[],{"heading":2032,"content":2033,"link_heading":1638},"What does 'regular driver' mean?",[2034,2040,2043,2046,2049,2052,2055],{"type":73,"text":2035,"spans":2036,"direction":76},"Your regular driver (also called the main driver or primary driver) is the person who drives the insured vehicle most often in a typical period (usually measured over a month).",[2037],{"start":2038,"end":2039,"type":1629},113,123,{"type":73,"text":2041,"spans":2042,"direction":76},"That’s not always the policyholder.",[],{"type":73,"text":2044,"spans":2045,"direction":76},"For example:",[],{"type":1658,"text":2047,"spans":2048,"direction":76},"You own the car, but your partner drives it to work every day.",[],{"type":1658,"text":2050,"spans":2051,"direction":76},"You bought a car for your family, but your child uses it most of the week.",[],{"type":1658,"text":2053,"spans":2054,"direction":76},"You work from home now, and the “regular driver” has changed without you noticing.",[],{"type":73,"text":2056,"spans":2057,"direction":76},"If the car is shared fairly evenly, tell your insurer who drives it most and mention any additional/nominated drivers who use it often — honesty is the safest route.",[2058],{"start":1938,"end":2059,"type":2060},76,"em","article_content_text$8554eff4-f74e-4024-a362-f30bdc45caa5",{"variation":1617,"version":1618,"items":2063,"primary":2064,"id":2091,"slice_type":1640,"slice_label":9},[],{"heading":2065,"content":2066,"link_heading":1638},"Why does the regular driver affect your premium?",[2067,2070,2073,2076,2079,2082,2085,2088],{"type":73,"text":2068,"spans":2069,"direction":76},"Your insurer calculates your premium using a risk profile — and the regular driver is a big part of that calculation.",[],{"type":73,"text":2071,"spans":2072,"direction":76},"Typically, risk factors can include:",[],{"type":1658,"text":2074,"spans":2075,"direction":76},"Age and driving experience (first-time and young drivers often price differently)",[],{"type":1658,"text":2077,"spans":2078,"direction":76},"Driving and claims history",[],{"type":1658,"text":2080,"spans":2081,"direction":76},"Where the car is kept (address/area)",[],{"type":1658,"text":2083,"spans":2084,"direction":76},"How the car is used (private vs business use)",[],{"type":1658,"text":2086,"spans":2087,"direction":76},"Security and theft risk factors (like tracking devices, alarms, parking)",[],{"type":73,"text":2089,"spans":2090,"direction":76},"It’s not about “catching you out”. It’s about pricing the cover correctly based on the person most likely to be behind the wheel.",[],"article_content_text$35d5afe2-8de4-4a38-a589-1dbc8a79bb68",{"variation":1617,"version":1618,"items":2093,"primary":2094,"id":2105,"slice_type":1640,"slice_label":9},[],{"heading":2095,"content":2096,"link_heading":1638},"A quick South African reality check (why risk matters)",[2097],{"type":73,"text":2098,"spans":2099,"direction":76},"South Africa’s vehicle crime landscape remains a major factor in underwriting. Tracker’s Vehicle Crime Index for Jul–Dec 2024 shows that hijackings made up 56% of vehicle crime incidents nationally, compared to 44% theft. \nThat’s one reason insurers take accurate driver and risk information seriously — it helps ensure premiums and cover reflect real-world exposure.",[2100],{"start":2101,"end":2102,"type":219,"data":2103},79,125,{"link_type":81,"url":2104,"target":138},"https://datahub.tracker.co.za/crime-index/","article_content_text$8a755a52-cc86-44e1-8c75-a600c4406ebf",{"variation":1617,"version":1618,"items":2107,"primary":2108,"id":2133,"slice_type":1640,"slice_label":9},[],{"heading":2109,"content":2110,"link_heading":1638},"Why do some people name the wrong regular driver?",[2111,2114,2120,2125,2130],{"type":73,"text":2112,"spans":2113,"direction":76},"Most of the time, it happens for one of these reasons:",[],{"type":2115,"text":2116,"spans":2117,"direction":76},"o-list-item","Trying to reduce the premium\nPeople assume that listing an older, more experienced driver will automatically make the policy cheaper — even if that person rarely drives the car.",[2118],{"start":32,"end":2119,"type":1629},28,{"type":2115,"text":2121,"spans":2122,"direction":76},"Family cars change hands over time\nA child starts driving to campus daily. A partner changes jobs. Someone relocates. The regular driver changes, but the policy doesn’t.",[2123],{"start":32,"end":2124,"type":1629},34,{"type":2115,"text":2126,"spans":2127,"direction":76},"Confusion between “owner”, “policyholder”, and “regular driver”\nThese can be three different people — and that’s allowed — as long as it’s disclosed correctly.",[2128],{"start":32,"end":2129,"type":1629},63,{"type":73,"text":2131,"spans":2132,"direction":76},"There’s also a term insurers use for intentionally misrepresenting the main driver to get a lower premium: fronting. Whether or not you call it that, the risk is the same — it can create problems when you claim.",[],"article_content_text$381fa9fa-8dd9-47a0-97cf-5e362766419b",{"variation":1617,"version":1618,"items":2135,"primary":2136,"id":2160,"slice_type":1640,"slice_label":9},[],{"heading":2137,"content":2138,"link_heading":1638},"What’s the risk of noting the wrong driver?",[2139,2142,2145,2148,2151,2154,2157],{"type":73,"text":2140,"spans":2141,"direction":76},"Insurance is built on good faith — you give accurate information, and your insurer agrees to cover you based on that information.",[],{"type":73,"text":2143,"spans":2144,"direction":76},"If the wrong regular driver is listed, it can lead to:",[],{"type":1658,"text":2146,"spans":2147,"direction":76},"Delays while details are verified at claims stage",[],{"type":1658,"text":2149,"spans":2150,"direction":76},"Adjustments (like additional excesses) depending on the policy terms",[],{"type":1658,"text":2152,"spans":2153,"direction":76},"In serious cases, a claim being declined if there’s material misrepresentation",[],{"type":1658,"text":2155,"spans":2156,"direction":76},"Higher premiums later, because your risk profile has been affected",[],{"type":73,"text":2158,"spans":2159,"direction":76},"The key point: insurers commonly validate driver details when a claim happens — especially when the incident driver differs from the driver on the schedule.",[],"article_content_text$56ac0e80-5368-40e2-8276-17f892ef81f6",{"variation":1617,"version":1618,"items":2162,"primary":2163,"id":2219,"slice_type":1640,"slice_label":9},[],{"heading":2164,"content":2165,"link_heading":1638},"Does this mean I can’t let someone else drive my car?",[2166,2171,2174,2178,2181,2184,2192,2197,2202,2205,2213,2216],{"type":73,"text":2167,"spans":2168,"direction":76},"You usually can let someone else drive — but it depends on your policy terms (for example, whether your cover is open driver vs named/nominated driver).",[2169],{"start":2170,"end":879,"type":2060},12,{"type":73,"text":2172,"spans":2173,"direction":76},"In many cases, if:",[],{"type":1658,"text":2175,"spans":2176,"direction":76},"the regular driver is correctly noted,",[2177],{"start":159,"end":2022,"type":1629},{"type":1658,"text":2179,"spans":2180,"direction":76},"the person driving is legally licensed (and complying with the law),",[],{"type":1658,"text":2182,"spans":2183,"direction":76},"and policy conditions are met,",[],{"type":73,"text":2185,"spans":2186,"direction":76},"…your insurer can still cover you if an accident happens while someone else is driving — although an additional excess may apply depending on the circumstances and the driver.\n\nCommon examples where you should double-check your policy",[2187,2190],{"start":2188,"end":2189,"type":1629},101,118,{"start":1817,"end":2191,"type":1629},234,{"type":1658,"text":2193,"spans":2194,"direction":76},"A young driver (or new driver) starts using the car more often",[2195],{"start":126,"end":2196,"type":1629},14,{"type":1658,"text":2198,"spans":2199,"direction":76},"A learner driver uses the car (some policies require a licensed driver to be present)",[2200],{"start":126,"end":2201,"type":1629},16,{"type":1658,"text":2203,"spans":2204,"direction":76},"You share a car between two households",[],{"type":1658,"text":2206,"spans":2207,"direction":76},"Your car use changes from private to business use",[2208,2210],{"start":2209,"end":1027,"type":1629},26,{"start":2211,"end":2212,"type":1629},37,49,{"type":1658,"text":2214,"spans":2215,"direction":76},"Someone moves in (or moves out) and the “regular driver” shifts",[],{"type":73,"text":2217,"spans":2218,"direction":76},"If you’re not sure how your policy treats additional drivers, ask before there’s a problem — it’s much easier to fix upfront than at claim time.",[],"article_content_text$0b448205-ccc8-49c5-bedd-1d8b3e5d1a1a",{"variation":1617,"version":1618,"items":2221,"primary":2222,"id":2258,"slice_type":1640,"slice_label":9},[],{"heading":2223,"content":2224,"link_heading":1638},"Quick checklist: how to keep your cover accurate (and claim-ready)",[2225,2228,2233,2238,2242,2246,2250,2255],{"type":73,"text":2226,"spans":2227,"direction":76},"Use this simple review once a quarter (or whenever life changes):",[],{"type":1658,"text":2229,"spans":2230,"direction":76},"Who drives the car most often right now? (That’s your regular/main driver.)",[2231],{"start":32,"end":2232,"type":1629},40,{"type":1658,"text":2234,"spans":2235,"direction":76},"Has a child/partner started driving the car more frequently?",[2236],{"start":32,"end":2237,"type":1629},60,{"type":1658,"text":2239,"spans":2240,"direction":76},"Has the car’s use changed? (private vs business)",[2241],{"start":32,"end":2209,"type":1629},{"type":1658,"text":2243,"spans":2244,"direction":76},"Has the overnight address changed?",[2245],{"start":32,"end":2124,"type":1629},{"type":1658,"text":2247,"spans":2248,"direction":76},"Do you need to list additional/nominated drivers?",[2249],{"start":32,"end":2212,"type":1629},{"type":1658,"text":2251,"spans":2252,"direction":76},"Do your excess amounts still make sense for your household?",[2253],{"start":32,"end":2254,"type":1629},59,{"type":73,"text":2256,"spans":2257,"direction":76},"A small update now can save a big headache later.",[],"article_content_text$6321497b-9654-46ba-a4e8-ce504dea5f1a",{"variation":1617,"version":1618,"items":2260,"primary":2261,"id":2287,"slice_type":1640,"slice_label":9},[],{"heading":2262,"content":2263,"link_heading":1638},"The bottom line",[2264,2267,2270,2273,2276,2279],{"type":73,"text":2265,"spans":2266,"direction":76},"Stating the correct regular driver helps you:",[],{"type":1658,"text":2268,"spans":2269,"direction":76},"Pay a premium that matches the actual risk",[],{"type":1658,"text":2271,"spans":2272,"direction":76},"Avoid surprises at claims stage",[],{"type":1658,"text":2274,"spans":2275,"direction":76},"Keep your cover clear if someone else drives the car occasionally",[],{"type":1658,"text":2277,"spans":2278,"direction":76},"Build a clean insurance history for the right driver over time",[],{"type":73,"text":2280,"spans":2281,"direction":76},"Full disclosure is nearly always the best strategy — especially when it can affect your financial outcome later. Remember to review your policy regularly and let your insurer know when anything changes.\n\nIf you’re unsure who should be listed as the regular driver (or whether you need nominated drivers), check your policy wording or speak to your insurer before you need to claim.",[2282],{"start":2283,"end":2284,"type":219,"data":2285},334,380,{"link_type":81,"url":2286,"target":1637},"https://www.miway.co.za/contact-miway","article_content_text$82c34d60-b65b-485a-aabc-a08cec8f1fb6","Car insurance tip: naming the correct regular driver helps price your premium fairly and avoids claim issues. Learn what to do if drivers change.",{"dimensions":2290,"alt":2009,"copyright":9,"url":2291,"id":2011,"edit":2292},{"width":1720,"height":1721},"https://images.prismic.io/miway-website/Z6XWwZbqstJ9-WDB_TheImportanceOfStatingTheCorrectRegularDriver.jpeg?auto=format,compress&rect=23,0,933,490&w=2400&h=1260",{"x":31,"y":32,"zoom":7,"background":33},{"link_type":38},[2295],{"type":73,"text":2296,"spans":2297,"direction":76},"\"Who is the regular driver of the vehicle?\" – a common question you’ll be asked when shopping for insurance. Often, the importance of stating the correct regular driver to your insurer is not clearly understood; we are here to help you understand why this question is asked and how it affects your policy.",[],{"id":1970,"type":1733,"tags":2299,"lang":20,"slug":649,"first_publication_date":1972,"last_publication_date":1973,"uid":1974,"link_type":411,"key":2300,"isBroken":413},[],"bbb69bfe-7504-48ab-b826-ea70e2b5b9f9",[],{"dimensions":2303,"alt":2009,"copyright":9,"url":2010,"id":2011,"edit":2304},{"width":2007,"height":2008},{"x":32,"y":32,"zoom":7,"background":33},{"id":2306,"uid":2307,"url":2308,"type":1577,"href":2309,"tags":2310,"first_publication_date":2311,"last_publication_date":2312,"slugs":2313,"linked_documents":2315,"lang":20,"alternate_languages":2316,"data":2317},"aamjRhIAACgAN_gr","sa-motorists-urged-to-prepare-for-rising-climate-risks","/blog/sa-motorists-urged-to-prepare-for-rising-climate-risks","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=ahXh3BIAAC0AbA7G&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aamjRhIAACgAN_gr%22%29+%5D%5D",[],"2026-03-05T16:28:58+0000","2026-03-10T12:19:53+0000",[2314],"2026-03-05t1538000000",[],[],{"date":2318,"heading":2319,"duration":9,"article_type":2320,"category":2325,"related_product":2329,"thumbnail":2332,"type":1614,"related_insurance":1807,"slices":2338,"meta_title":2449,"meta_description":2450,"meta_keywords":2451,"meta_image":2452,"canonical":2456,"intro":2457,"author":1730,"service_block":2461,"in_this_article":2464,"hero_image":2465},"2026-03-05T15:38:00+0000","Extreme weather now the #1 cause of Car Insurance Claims in South Africa – Why 65% of Motorists are at risk in 2026",{"id":2321,"type":1355,"tags":2322,"lang":20,"slug":649,"first_publication_date":2323,"last_publication_date":2323,"uid":649,"url":1359,"link_type":411,"key":2324,"isBroken":413},"Zv5wjBAAAB8AnGdt",[],"2024-10-03T10:23:22+0000","36b045e1-7ae2-4245-8713-30ef32a3140d",{"id":1597,"type":1598,"tags":2326,"lang":20,"slug":1600,"first_publication_date":1601,"last_publication_date":1601,"uid":1600,"url":1359,"data":2327,"link_type":411,"key":2328,"isBroken":413},[],{"name":698},"6661603b-76d9-4c66-933c-70afca2a44b6",{"id":644,"type":533,"tags":2330,"lang":20,"slug":646,"first_publication_date":647,"last_publication_date":648,"uid":649,"url":650,"link_type":411,"key":2331,"isBroken":413},[537],"d333eb25-cd6b-43a3-9cf3-1a9c48730cbe",{"dimensions":2333,"alt":2334,"copyright":9,"url":2335,"id":2336,"edit":2337},{"width":1608,"height":1609},"man walking in rain under umbrella","https://images.prismic.io/miway-website/abAMDlxvIZEnjhsw_motorists_prepare_for_climate_change.jpg?auto=format,compress","abAMDlxvIZEnjhsw",{"x":32,"y":32,"zoom":7,"background":33},[2339,2347,2369,2388,2428],{"variation":1617,"version":1618,"items":2340,"primary":2341,"id":2346,"slice_type":1640,"slice_label":9},[],{"heading":9,"content":2342,"link_heading":413},[2343],{"type":73,"text":2344,"spans":2345,"direction":76},"With climate change driving more frequent and intense storms, a single flood or hail event can turn your car into a total write-off — and leave you with repair bills running into tens or even hundreds of thousands of rand.",[],"article_content_text$d597ecdb-467a-4e70-b24c-960eee2574e1",{"variation":1617,"version":1618,"items":2348,"primary":2349,"id":2368,"slice_type":1640,"slice_label":9},[],{"heading":2350,"content":2351,"link_heading":1638},"How extreme weather destroys vehicles in minutes",[2352,2359,2364],{"type":1658,"text":2353,"spans":2354,"direction":76},"Flash Flooding Even 15–30 cm of moving water can cause hydrolock — water enters the engine, bends rods, and destroys the motor. Most cars are written off after driving through floodwater.",[2355,2356],{"start":32,"end":2196,"type":1629},{"start":2357,"end":2358,"type":1629},55,64,{"type":1658,"text":2360,"spans":2361,"direction":76},"Hail Damage Golf-ball-sized hail shatters windscreens, dents panels, cracks lights, and damages roof structures. Repair costs frequently exceed R40,000–R80,000.",[2362],{"start":32,"end":2363,"type":1629},11,{"type":1658,"text":2365,"spans":2366,"direction":76},"Lightning & Electrical Surges Modern vehicles are packed with computers. A lightning strike can fry ECUs, infotainment systems, and sensors — damage that often only appears days later.",[2367],{"start":32,"end":1650,"type":1629},"article_content_text$3c4bc1cf-0fb7-4fc7-a217-f92aca174483",{"variation":1617,"version":1618,"items":2370,"primary":2371,"id":2387,"slice_type":1640,"slice_label":9},[],{"heading":2372,"content":2373,"link_heading":1638},"What to do if your car is damaged by flood, hail or storm",[2374,2377,2381,2384],{"type":1658,"text":2375,"spans":2376,"direction":76},"Stay safe — never drive through floodwater.",[],{"type":1658,"text":2378,"spans":2379,"direction":76},"As soon as it is safe, log your claim immediately via your insurer’s app or call centre.",[2380],{"start":31,"end":2212,"type":1629},{"type":1658,"text":2382,"spans":2383,"direction":76},"Take clear photos from all angles, note the exact location and time, and keep all supporting evidence.",[],{"type":1658,"text":2385,"spans":2386,"direction":76},"Ensure accurate documentation, including photographs, incident details and supporting information.",[],"article_content_text$cd67f920-5d13-4ab6-8f6e-e3fc23d73023",{"variation":1617,"version":1618,"items":2389,"primary":2390,"id":2427,"slice_type":1640,"slice_label":9},[],{"heading":2391,"content":2392,"link_heading":1638},"The Smartest Protection: Comprehensive Car Insurance + Prevention",[2393,2399,2402,2405,2408,2411,2416,2419,2422],{"type":73,"text":2394,"spans":2395,"direction":76},"Insurance cannot stop the rain or hail, but comprehensive motor insurance is the only financial shield that covers:",[2396,2398],{"start":1937,"end":1938,"type":219,"data":2397},{"link_type":81,"url":1820,"target":1637},{"start":1937,"end":1938,"type":1629},{"type":1658,"text":2400,"spans":2401,"direction":76},"Total vehicle write-off due to flood or storm",[],{"type":1658,"text":2403,"spans":2404,"direction":76},"Hail damage repairs",[],{"type":1658,"text":2406,"spans":2407,"direction":76},"Lightning damage to electronics",[],{"type":1658,"text":2409,"spans":2410,"direction":76},"Towing and alternative transport after an event",[],{"type":73,"text":2412,"spans":2413,"direction":76},"Preventative steps every South African driver should take right now:",[2414],{"start":32,"end":2415,"type":1629},68,{"type":1658,"text":2417,"spans":2418,"direction":76},"Avoid low-lying roads during heavy rain warnings",[],{"type":1658,"text":2420,"spans":2421,"direction":76},"Use covered parking or a hail cover when storms are forecast",[],{"type":1658,"text":2423,"spans":2424,"direction":76},"Check your insurance schedule today — make sure you have comprehensive cover (not just third-party or fire & theft)",[2425],{"start":2426,"end":2059,"type":1629},57,"article_content_text$34f9b2be-6c24-41c0-bb83-94c3d3177118",{"variation":1617,"version":1618,"items":2429,"primary":2430,"id":2448,"slice_type":1640,"slice_label":9},[],{"heading":2431,"content":2432,"link_heading":1638},"Final Word: Don’t wait for the next storm",[2433,2438,2441],{"type":73,"text":2434,"spans":2435,"direction":76},"Extreme weather is no longer a rare event — it is the new normal and the biggest risk facing South African motorists in 2026.",[2436],{"start":1938,"end":2437,"type":1629},85,{"type":73,"text":2439,"spans":2440,"direction":76},"If your car is uninsured or only partially covered, you are gambling with your financial future every time the sky darkens.",[],{"type":73,"text":2442,"spans":2443,"direction":76},"Review your car insurance today. Get comprehensive cover that actually protects you against floods, hail, and storms — before the next extreme weather event hits your province.",[2444,2447],{"start":32,"end":2023,"type":219,"data":2445},{"link_type":81,"url":2446,"target":1637},"https://www.miway.co.za/car-insurance-quotes",{"start":32,"end":723,"type":1629},"article_content_text$c2ad0571-2649-4eb4-b379-024b7fdc64a6","Extreme Weather Now the #1 Cause of Car Insurance Claims in South Africa – Why 65% of Motorists Are at Risk in 2026","Extreme weather (floods, hail & storms) has overtaken theft as South Africa’s top car insurance claim cause in 2026. With 65% of motorists uninsured, discover how to protect your vehicle from costly weather damage.","weather, claims, car insurance",{"dimensions":2453,"alt":2334,"copyright":9,"url":2454,"id":2336,"edit":2455},{"width":1720,"height":1721},"https://images.prismic.io/miway-website/abAMDlxvIZEnjhsw_motorists_prepare_for_climate_change.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":1724,"y":32,"zoom":7,"background":33},{"link_type":38},[2458],{"type":73,"text":2459,"spans":2460,"direction":76},"The South African Insurance Association (SAIA) and multiple industry studies confirm that approximately 65% of vehicles on South African roads have no insurance cover at all. This leaves millions of drivers financially exposed when disaster strikes.",[],{"id":1732,"type":1733,"tags":2462,"lang":20,"slug":1735,"first_publication_date":1736,"last_publication_date":1737,"uid":1738,"link_type":411,"key":2463,"isBroken":413},[],"76c7893e-68da-49bb-9167-1fa2f0c80b40",[],{"dimensions":2466,"alt":2334,"copyright":9,"url":2335,"id":2336,"edit":2467},{"width":1608,"height":1609},{"x":32,"y":32,"zoom":7,"background":33},{"id":2469,"uid":2470,"url":2471,"type":1577,"href":2472,"tags":2473,"first_publication_date":2474,"last_publication_date":2475,"slugs":2476,"linked_documents":2478,"lang":20,"alternate_languages":2479,"data":2480},"Z5dYaxAAACQAbCgO","sasria-insurance-explained","/blog/sasria-insurance-explained","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=ahXh3BIAAC0AbA7G&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z5dYaxAAACQAbCgO%22%29+%5D%5D",[706,535,976],"2025-01-27T09:57:01+0000","2026-02-19T16:15:13+0000",[2477],"2026-02-19t1800000000",[],[],{"date":2481,"heading":2482,"duration":1768,"article_type":2483,"category":2486,"related_product":2490,"thumbnail":2491,"type":1614,"related_insurance":802,"slices":2498,"meta_title":2482,"meta_description":2800,"meta_keywords":2801,"meta_image":2802,"canonical":2808,"intro":2809,"author":1730,"service_block":2813,"in_this_article":2816,"hero_image":2817},"2026-02-19T18:00:00+0000","SASRIA Insurance, Explained",{"id":1392,"type":1355,"tags":2484,"lang":20,"slug":1394,"first_publication_date":1395,"last_publication_date":1395,"uid":1394,"url":1359,"link_type":411,"key":2485,"isBroken":413},[],"9dcf96d8-ac1d-4f3d-916f-425f698fcd9a",{"id":1597,"type":1598,"tags":2487,"lang":20,"slug":1600,"first_publication_date":1601,"last_publication_date":1601,"uid":1600,"url":1359,"data":2488,"link_type":411,"key":2489,"isBroken":413},[],{"name":698},"9c0ea190-29bc-420d-b07c-8c73cd455791",{"link_type":411},{"dimensions":2492,"alt":9,"copyright":9,"url":2495,"id":2496,"edit":2497},{"width":2493,"height":2494},1049,384,"https://images.prismic.io/miway-website/Z5dXhZbqstJ993l9_SASRIAInsuranceExplained.jpeg?auto=format,compress","Z5dXhZbqstJ993l9",{"x":32,"y":32,"zoom":7,"background":33},[2499,2517,2552,2581,2590,2602,2667,2698,2734,2779],{"variation":1617,"version":1618,"items":2500,"primary":2501,"id":2516,"slice_type":1640,"slice_label":9},[],{"heading":2502,"content":2503,"link_heading":1638},"What is SASRIA?",[2504,2510,2513],{"type":73,"text":2505,"spans":2506,"direction":76},"SASRIA SOC Ltd is South Africa’s specialist insurer for “special risks” — events like civil commotion, public disorder, strikes, riots and terrorism that are typically excluded from standard short-term insurance policies.",[2507],{"start":32,"end":2196,"type":219,"data":2508},{"link_type":81,"url":2509,"target":138},"https://sasria.co.za/",{"type":73,"text":2511,"spans":2512,"direction":76},"SASRIA exists because these risks can cause widespread, high-severity losses that the conventional market struggles to price and reinsure at scale. SASRIA itself explains that its origin is tied to historic unrest and the need for a dedicated special-risk insurer.",[],{"type":73,"text":2514,"spans":2515,"direction":76},"Miway’s current definition aligns with SASRIA’s own description: SASRIA is state-owned and provides special-risk cover to individuals, businesses and government entities with assets in South Africa.",[],"article_content_text$ffb6b773-4d27-4e5e-8357-effa0ec30d9b",{"variation":1617,"version":1618,"items":2518,"primary":2519,"id":2551,"slice_type":1640,"slice_label":9},[],{"heading":2520,"content":2521,"link_heading":1638},"What does SASRIA cover?",[2522,2527,2531,2535,2540,2545,2548],{"type":73,"text":2523,"spans":2524,"direction":76},"SASRIA cover applies to loss or damage caused by special-risk events, commonly including:",[2525],{"start":2526,"end":2415,"type":1629},24,{"type":1658,"text":2528,"spans":2529,"direction":76},"Terrorism",[2530],{"start":32,"end":1634,"type":1629},{"type":1658,"text":2532,"spans":2533,"direction":76},"Public disorder / civil commotion",[2534],{"start":32,"end":1027,"type":1629},{"type":1658,"text":2536,"spans":2537,"direction":76},"Strikes",[2538],{"start":32,"end":2539,"type":1629},7,{"type":1658,"text":2541,"spans":2542,"direction":76},"Riots",[2543],{"start":32,"end":2544,"type":1629},5,{"type":1658,"text":2546,"spans":2547,"direction":76},"(And related political/non-political disturbance categories referenced in SASRIA guidance)",[],{"type":73,"text":2549,"spans":2550,"direction":76},"In plain terms: if property is damaged during qualifying unrest-related events (for example, riot or public disturbance), SASRIA is designed to respond where standard insurance would usually exclude the cause of loss.",[],"article_content_text$8913b22f-68f7-455c-b25d-04f97480e308",{"variation":1617,"version":1618,"items":2553,"primary":2554,"id":2580,"slice_type":1640,"slice_label":9},[],{"heading":2555,"content":2556,"link_heading":1638},"What SASRIA does not cover (and why this matters)",[2557,2561,2564,2571,2574,2577],{"type":73,"text":2558,"spans":2559,"direction":76},"Looting is not the same as theft",[2560],{"start":32,"end":723,"type":1629},{"type":73,"text":2562,"spans":2563,"direction":76},"SASRIA’s wording and legal commentary make this clear:",[],{"type":1658,"text":2565,"spans":2566,"direction":76},"Looting must happen during an insured SASRIA event (like riot/public disturbance).",[2567],{"start":32,"end":2568,"type":219,"data":2569},50,{"link_type":81,"url":2570,"target":138},"https://www.dlapiper.com/en-za/insights/publications/2021/07/public-unrest-damage-and-sasria-claim-if-you-can",{"type":1658,"text":2572,"spans":2573,"direction":76},"SASRIA does not cover theft as a standalone event.",[],{"type":73,"text":2575,"spans":2576,"direction":76},"Why it matters: after unrest, many people describe losses as “theft”, but whether it qualifies as SASRIA depends on the insured peril context, not just the fact that items are missing.",[],{"type":73,"text":2578,"spans":2579,"direction":76},"Other common exclusions (policy-wording dependent) include war/war-related activity and certain extreme terrorism categories referenced in policy documentation.",[],"article_content_text$27e36d0a-2cb4-4aa9-9f29-f6b4e9bb5c2d",{"variation":1617,"version":1618,"items":2582,"primary":2583,"id":2589,"slice_type":1640,"slice_label":9},[],{"heading":2584,"content":2585,"link_heading":1638},"Is SASRIA cover compulsory in South Africa?",[2586],{"type":73,"text":2587,"spans":2588,"direction":76},"Generally, SASRIA is not compulsory — it’s typically an optional add-on (often called a SASRIA “coupon” or extension) attached to an underlying policy, depending on product type and insurer structure. SASRIA’s own Q&A states policyholders may choose not to purchase SASRIA cover (but should understand the exposure).",[],"article_content_text$9caa49f6-c68e-4bfc-8ae6-87ef08e352f2",{"variation":1617,"version":1618,"items":2591,"primary":2592,"id":2601,"slice_type":1640,"slice_label":9},[],{"heading":2593,"content":2594,"link_heading":1638},"How do you get SASRIA cover?",[2595,2598],{"type":73,"text":2596,"spans":2597,"direction":76},"Most people don’t buy SASRIA directly from SASRIA. Instead, SASRIA is usually added through your insurer/broker as an extension to the underlying policy, and your insurer helps administer claims routing and documentation.",[],{"type":73,"text":2599,"spans":2600,"direction":76},"This “distributed” model is also how many industry explanations describe SASRIA operating through insurers as agents.",[],"article_content_text$499afa27-669b-4c86-a931-9887fc2040c9",{"variation":2603,"version":1618,"items":2604,"primary":2605,"id":2666,"slice_type":1640,"slice_label":9},"subheadingBulletLists",[],{"heading":2606,"content":2607,"sub_sections":2608,"link_heading":1638},"How SASRIA works with Miway cover types",[],[2609,2625,2643],{"subheading":2610,"list":2611},"SASRIA and car insurance (motor)",[2612,2615,2619,2622],{"type":73,"text":2613,"spans":2614,"direction":76},"If your vehicle is damaged during unrest-related events (for example, riot/public disorder), SASRIA motor cover is designed to address that special-risk cause of loss, subject to terms and definitions in the policy wording. SASRIA’s motor wording documents describe SASRIA as covering special risks such as civil commotion, strike, riot, public disorder and terrorism.",[],{"type":73,"text":2616,"spans":2617,"direction":76},"Practical example (motor):",[2618],{"start":32,"end":2209,"type":1629},{"type":1658,"text":2620,"spans":2621,"direction":76},"A car is damaged during a public disturbance event → SASRIA may be the relevant special-risk trigger (depending on facts and wording).",[],{"type":1658,"text":2623,"spans":2624,"direction":76},"A car is stolen overnight with no qualifying unrest event → that’s typically standard theft cover under your underlying motor policy (not SASRIA).",[],{"subheading":2626,"list":2627},"SASRIA and home insurance (buildings + home contents)",[2628,2632,2637,2640],{"type":73,"text":2629,"spans":2630,"direction":76},"SASRIA is about the cause of loss (special-risk events), not the asset class. If qualifying unrest causes damage to your home structure or contents, SASRIA may respond to that peril, subject to the underlying policy structure and the SASRIA extension attached.",[2631],{"start":8,"end":1027,"type":1629},{"type":73,"text":2633,"spans":2634,"direction":76},"Practical example (home):",[2635],{"start":32,"end":2636,"type":1629},25,{"type":1658,"text":2638,"spans":2639,"direction":76},"Windows smashed and contents damaged during riots → likely SASRIA-triggered (if defined event).",[],{"type":1658,"text":2641,"spans":2642,"direction":76},"Burglar breaks in weeks later unrelated to unrest → standard theft/burglary considerations apply, not SASRIA.",[],{"subheading":2644,"list":2645},"SASRIA and business insurance (property + stock)",[2646,2649,2653,2658,2663],{"type":73,"text":2647,"spans":2648,"direction":76},"For businesses, SASRIA is especially relevant because unrest can create clustered losses: damaged shopfronts, destroyed stock, and forced closures.",[],{"type":73,"text":2650,"spans":2651,"direction":76},"But watch the distinction:",[2652],{"start":32,"end":2209,"type":1629},{"type":1658,"text":2654,"spans":2655,"direction":76},"Property/stock damage caused by qualifying unrest = SASRIA-type peril response",[2656],{"start":32,"end":2657,"type":1629},21,{"type":1658,"text":2659,"spans":2660,"direction":76},"Loss of income because you had to close = business interruption territory (may require BI cover; SASRIA BI is separate and policy-structured)",[2661],{"start":32,"end":2662,"type":1629},39,{"type":73,"text":2664,"spans":2665,"direction":76},"SASRIA has specific documents/wording for business interruption as a category, which is a clue that BI isn’t automatically included unless it’s specifically arranged.",[],"article_content_text$a7876868-feb1-4265-acc3-42c9d44fad74",{"variation":1617,"version":1618,"items":2668,"primary":2669,"id":2697,"slice_type":1640,"slice_label":9},[],{"heading":2670,"content":2671,"link_heading":1638},"Does SASRIA cover business interruption automatically?",[2672,2675,2678,2681,2685,2688,2691,2694],{"type":73,"text":2673,"spans":2674,"direction":76},"Not automatically.",[],{"type":73,"text":2676,"spans":2677,"direction":76},"A key reason businesses get caught off-guard is assuming “SASRIA covers everything that happens during unrest.” In reality, material damage (physical loss) and business interruption (loss of income/standing charges) are often structured as separate cover components.",[],{"type":73,"text":2679,"spans":2680,"direction":76},"SASRIA publishes separate BI wording, reinforcing that BI is treated distinctly.",[],{"type":73,"text":2682,"spans":2683,"direction":76},"What to do: If downtime is your biggest risk (retail, warehousing, manufacturing), ask specifically about:",[2684],{"start":32,"end":2363,"type":1629},{"type":1658,"text":2686,"spans":2687,"direction":76},"SASRIA BI availability (if applicable)",[],{"type":1658,"text":2689,"spans":2690,"direction":76},"Waiting periods",[],{"type":1658,"text":2692,"spans":2693,"direction":76},"Sum insured for gross profit/standing charges",[],{"type":1658,"text":2695,"spans":2696,"direction":76},"Documentation required (turnover proof, payroll, financials)",[],"article_content_text$0f6f9ede-bbea-416e-a177-ba19753094fa",{"variation":1617,"version":1618,"items":2699,"primary":2700,"id":2733,"slice_type":1640,"slice_label":9},[],{"heading":2701,"content":2702,"link_heading":1638},"Claims: how to avoid delays (simple, practical steps)",[2703,2706,2710,2713,2716,2719,2722,2725,2728],{"type":73,"text":2704,"spans":2705,"direction":76},"If an unrest-related event happens, the fastest way to reduce claim friction is to create a clean evidence pack:",[],{"type":73,"text":2707,"spans":2708,"direction":76},"Your “48-hour SASRIA-ready” checklist",[2709],{"start":32,"end":2211,"type":1629},{"type":1658,"text":2711,"spans":2712,"direction":76},"Photos/video of damage (wide + close-up)",[],{"type":1658,"text":2714,"spans":2715,"direction":76},"Police case number (where required/appropriate)",[],{"type":1658,"text":2717,"spans":2718,"direction":76},"Inventory list of damaged items/stock",[],{"type":1658,"text":2720,"spans":2721,"direction":76},"Proof of ownership/value (invoices, supplier statements)",[],{"type":1658,"text":2723,"spans":2724,"direction":76},"Timeline of events (what happened, when, where)",[],{"type":1658,"text":2726,"spans":2727,"direction":76},"Security footage if available",[],{"type":73,"text":2729,"spans":2730,"direction":76},"And if looting is involved, remember the key rule: it must occur during an insured SASRIA event — not as a standalone “theft” occurrence.",[2731],{"start":1655,"end":2732,"type":1629},71,"article_content_text$e2f93cb4-50d2-41c9-b990-ab9ad49468a8",{"variation":1617,"version":1618,"items":2735,"primary":2736,"id":2778,"slice_type":1640,"slice_label":9},[],{"heading":2737,"content":2738,"link_heading":1638},"Frequently Asked Questions",[2739,2744,2748,2753,2756,2760,2767,2772],{"type":73,"text":2740,"spans":2741,"direction":76},"·       What does SASRIA cover in one sentence?",[2742],{"start":2743,"end":1651,"type":1629},8,{"type":73,"text":2745,"spans":2746,"direction":76},"SASRIA covers loss or damage caused by special risks like civil commotion, public disorder, strikes, riots and terrorism in South Africa.",[2747],{"start":217,"end":1319,"type":1629},{"type":73,"text":2749,"spans":2750,"direction":76},"·       Is SASRIA cover compulsory?",[2751],{"start":2743,"end":2752,"type":1629},35,{"type":73,"text":2754,"spans":2755,"direction":76},"No — SASRIA’s official Q&A indicates it’s not compulsory and can be opted out of (with understanding of the risk).",[],{"type":73,"text":2757,"spans":2758,"direction":76},"·       Does SASRIA cover looting?",[2759],{"start":2743,"end":2124,"type":1629},{"type":73,"text":2761,"spans":2762,"direction":76},"Looting can be covered only if it occurs during an insured SASRIA event (like riot/public disturbance). SASRIA does not cover theft as a standalone peril.",[2763,2764],{"start":31,"end":2732,"type":1629},{"start":2765,"end":2766,"type":1629},116,119,{"type":73,"text":2768,"spans":2769,"direction":76},"·       Does SASRIA cover business interruption?",[2770],{"start":2743,"end":2771,"type":1629},48,{"type":73,"text":2773,"spans":2774,"direction":76},"Business interruption is typically treated as a separate cover component and has its own SASRIA wording structure, so it should be confirmed and arranged explicitly.",[2775],{"start":32,"end":2657,"type":219,"data":2776},{"link_type":81,"url":2777,"target":1637},"https://www.miway.co.za/business-insurance/business-interruption","article_content_text$73613a04-a320-4303-bddc-e4f3af04afee",{"variation":1617,"version":1618,"items":2780,"primary":2781,"id":2799,"slice_type":1640,"slice_label":9},[],{"heading":2782,"content":2783,"link_heading":1638},"In Conclusion",[2784],{"type":73,"text":2785,"spans":2786,"direction":76},"If you’re not sure whether SASRIA is included on your policy (or whether you have the right limits for your car, home or business), it’s worth checking now — before you ever need it.",[2787,2791,2794],{"start":2788,"end":2789,"type":219,"data":2790},108,111,{"link_type":81,"url":1820,"target":1637},{"start":2038,"end":2792,"type":219,"data":2793},117,{"link_type":81,"url":1636,"target":1637},{"start":2795,"end":2796,"type":219,"data":2797},121,129,{"link_type":81,"url":2798,"target":1637},"https://www.miway.co.za/business-insurance","article_content_text$2004c43a-1c6e-4346-a0ef-1ae902f7f91a","SASRIA explained: what it covers and excludes, how it works with car, home and business insurance, plus the key looting vs theft rule and claim tips for South Africans.","sasria",{"dimensions":2803,"alt":2804,"copyright":9,"url":2805,"id":2496,"edit":2806},{"width":1720,"height":1721},"People protesting","https://images.prismic.io/miway-website/Z5dXhZbqstJ993l9_SASRIAInsuranceExplained.jpeg?auto=format,compress&rect=159,0,731,384&w=2400&h=1260",{"x":2807,"y":32,"zoom":7,"background":33},159,{"link_type":38},[2810],{"type":73,"text":2811,"spans":2812,"direction":76},"South Africa has a history of political and social activism, and mass action may result in severe damage to property and losses in productivity and income.",[],{"id":1732,"type":1733,"tags":2814,"lang":20,"slug":1735,"first_publication_date":1736,"last_publication_date":1737,"uid":1738,"link_type":411,"key":2815,"isBroken":413},[],"bcaa3e8f-5bbd-41e3-b93f-4d4833b5fb1f",[],{"dimensions":2818,"alt":2804,"copyright":9,"url":2495,"id":2496,"edit":2819},{"width":2493,"height":2494},{"x":32,"y":32,"zoom":7,"background":33},1779955903505]