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This includes the bricks and mortar of your house, as well as any outbuildings, extras like your garage, permanent fixtures and special features like swimming pools. And don't forget, you'll need to cover the cost of clearing the site and any council fees, which could add another 20-30% to your rebuild costs.",[],{"question":1702,"answer":1703},"Is home contents insurance different to building insurance?",[1704],{"type":70,"text":1705,"spans":1706,"direction":73},"Yup. Look at it this way: home contents insurance covers all your belongings, so if you were to flip your house upside down, everything that falls will be covered under home contents insurance. Building insurance on the other hand covers the physical structure of your home and its fixtures. ",[],{"question":1708,"answer":1709},"Should I update the value of my house after doing renovations?",[1710],{"type":70,"text":1711,"spans":1712,"direction":73},"Absolutely! If you made some changes to your place, you’ll need to update your insurance policy to reflect the increased value of your home. Renovations can bump up your home's value, so you might need extra cover. Making sure your insurance matches your home's real value is super important so you stay fully protected.",[],{"question":1714,"answer":1715},"Is my solar system covered as part of the building insurance?",[1716],{"type":70,"text":1717,"spans":1718,"direction":73},"Yes, absolutely! Please make sure that you update your building sum insured to include both the replacement and installation costs of solar.",[],{"question":1720,"answer":1721},"Does my home / building insurance cover leaks?",[1722],{"type":70,"text":1723,"spans":1724,"direction":73},"Yup, it does! If a pipe decides to go rogue and turns your kitchen into a swimming pool, our building insurance has got your back. It covers damage caused by leaks, including the havoc they wreak on your floors and walls. However, it’s always important to check the specifics of what’s covered on your policy.",[],{"question":1726,"answer":1727},"What is personal liability under building cover and who does it cover?",[1728],{"type":70,"text":1729,"spans":1730,"direction":73},"Personal liability cover protects you if someone sues you for injuries or damages that happen to them while they’re on your property.",[],{"question":1732,"answer":1733},"I have an emergency at home – what should I do?",[1734],{"type":70,"text":1735,"spans":1736,"direction":73},"Burst pipe at 1 am? No worries, we’ll organise a plumber right away and cover any damages. Simply give us a call on 0860606764 or via WhatsApp or on the Miway App.",[1737],{"start":1738,"end":1739,"type":216,"data":1740},116,126,{"link_type":78,"url":1741,"target":1742},"tel:0860606764","_self",{"question":1744,"answer":1745},"Does my home / building insurance cover my appliances?",[1746],{"type":70,"text":1747,"spans":1748,"direction":73},"Your appliances are only covered for lightning and power surges under building insurance.",[],{"question":1750,"answer":1751},"What excess do I need to pay on my home insurance?",[1752],{"type":70,"text":1753,"spans":1754,"direction":73},"There’s a standard excess on all building claims of R2 200, but additional excesses may apply so please make sure you check your excesses on your coversheet.",[],{"question":1756,"answer":1757},"Is the online quote final and accurate?",[1758],{"type":70,"text":1759,"spans":1760,"direction":73},"Yup! As long as the information you shared with us is accurate, your quote will be too. Of course, while your quote is final, you can always add on Miway Extras or change your policy at any time through the Miway App or our Self-service portal.  But the premium we quote you is exactly what you’ll pay, no hidden fees or surprises.",[],{"question":1762,"answer":1763},"Is homeowners’ insurance the same as building insurance?",[1764],{"type":70,"text":1765,"spans":1766,"direction":73},"Yes, homeowners insurance and building insurance are exactly the same thing. With Miway you can also add home contents cover for items like your TV, furniture, and personal belongings. ",[],{"question":1768,"answer":1769},"My building insurance is with the bank where my bond is – can I move it to Miway?",[1770],{"type":70,"text":1771,"spans":1772,"direction":73},"Yes, you can! Switching to us is easy, even if your house is financed. Just share your current insurer details and your financing info with us. We'll handle the rest and make sure the transition is smooth, without you paying double premiums during the switch.",[1773],{"start":1774,"end":1775,"type":1649},258,259,{"question":1777,"answer":1778},"Can I get building insurance even if I rent out the property?",[1779],{"type":70,"text":1780,"spans":1781,"direction":73},"Yes, you can! You're all set with Miway’s building insurance for long-term rental situations, whether it's a room in your house or a cottage on your property. Just a heads-up, though: our policy doesn't cover short-term rentals like Airbnb or if you're renting out your property for commercial use.",[1782],{"start":1783,"end":1784,"type":1649},158,159,{"question":1786,"answer":1787},"Is my geyser covered under building insurance?",[1788],{"type":70,"text":1789,"spans":1790,"direction":73},"Yup! We’ve got your back for water damage caused by things like your geyser overflowing or bursting, and affecting your permanent fixtures.",[],{"question":1792,"answer":1793},"What is wear and tear and why is it not covered?",[1794],{"type":70,"text":1795,"spans":1796,"direction":73},"Wear and tear is the general deterioration of your property over time due to exposure to weather conditions or a sudden once-off event, like a flood, for example. If the wear and tear is due to poor construction or a lack of maintenance and upkeep, the damage won’t be covered.",[],{"question":1798,"answer":1799},"How do I put in a home / buildings insurance claim?",[1800],{"type":70,"text":1801,"spans":1802,"direction":73},"You can submit a claim through the Miway App at any time, or you can call our customer support during office hours on 0860646464 so a friendly agent can talk you through the process.",[1803],{"start":1804,"end":1805,"type":216,"data":1806},118,128,{"link_type":78,"url":1807,"target":1742},"tel:0860646464",{"question":1809,"answer":1810},"When do I need to pay my excess?",[1811],{"type":70,"text":1812,"spans":1813,"direction":73},"Your excess is what you’ll need to pay out of your own pocket in a lump sum payment when your claim is approved. You may have additional excesses on your policy coversheet, depending on what you signed up for. So always check your policy details to make sure what’s needed when you claim.",[],{"question":1815,"answer":1816},"How can I cancel my insurance cover with Miway?",[1817],{"type":70,"text":1818,"spans":1819,"direction":73},"We’d hate to see you go, but you can cancel your Miway cover at any time. Just give us a call on 0860646464 to get it sorted. Cancellation is instant, and if there’s refund due, we’ll sort that out immediately too. And tell us why you’re leaving here.",[1820],{"start":1821,"end":1822,"type":216,"data":1823},97,107,{"link_type":78,"url":1807,"target":1742},[1825,2173,2380,2945],{"id":1826,"uid":1827,"url":1828,"type":1829,"href":1830,"tags":1831,"first_publication_date":1832,"last_publication_date":1833,"slugs":1834,"linked_documents":1836,"lang":16,"alternate_languages":1837,"data":1838},"Z6XXghIAACYAO6tv","the-importance-of-stating-the-correct-regular-driver","/blog/the-importance-of-stating-the-correct-regular-driver","article","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=apVSvRIAACwAyLal&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z6XXghIAACYAO6tv%22%29+%5D%5D",[688,996,958],"2025-02-07T09:51:25+0000","2026-08-05T07:19:14+0000",[1835],"2026-07-30t1700000000",[],[],{"date":1839,"heading":1840,"duration":1597,"article_type":1841,"category":1844,"related_product":1847,"thumbnail":1850,"type":1858,"related_insurance":1859,"slices":1860,"meta_title":2145,"meta_description":2146,"meta_keywords":2147,"meta_image":2148,"canonical":2154,"intro":2155,"author":2159,"service_block":2160,"in_this_article":2168,"hero_image":2169},"2026-07-30T17:00:00+0000","Why declaring the correct regular driver matters for your Car Insurance",{"id":1337,"type":1338,"tags":1842,"lang":16,"slug":1340,"first_publication_date":1341,"last_publication_date":1341,"uid":1340,"url":1342,"link_type":393,"key":1843,"isBroken":395},[],"9d689e54-0dd1-439c-92bd-3b517a5604c8",{"id":1614,"type":1615,"tags":1845,"lang":16,"slug":1376,"first_publication_date":1617,"last_publication_date":1617,"uid":1376,"url":1342,"link_type":393,"key":1846,"isBroken":395},[],"3abd855e-3558-4529-837b-7c23aa519e96",{"id":626,"type":515,"tags":1848,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":1849,"isBroken":395},[519],"6d59d956-8008-4463-8e9b-0ad04419d7bb",{"dimensions":1851,"alt":1854,"copyright":9,"url":1855,"id":1856,"edit":1857},{"width":1852,"height":1853},980,490,"some car insurers offer discounts for working from home","https://images.prismic.io/miway-website/Z6XWwZbqstJ9-WDB_TheImportanceOfStatingTheCorrectRegularDriver.jpeg?auto=format,compress","Z6XWwZbqstJ9-WDB",{"x":28,"y":28,"zoom":29,"background":30},"Article","Car",[1861,1884,1922,1952,1966,1992,2019,2078,2117],{"variation":1588,"version":1492,"items":1862,"primary":1863,"id":1882,"slice_type":1883,"slice_label":9},[],{"heading":1864,"content":1865,"link_heading":1362},"What Is a regular driver?",[1866,1874],{"type":70,"text":1867,"spans":1868,"direction":73},"The regular driver is the person who drives the insured vehicle most often during a typical month. This person may be different from the vehicle owner or policyholder, making it important to identify the correct individual when arranging cover.",[1869],{"start":1870,"end":1871,"type":216,"data":1872},56,64,{"link_type":78,"url":1873,"target":135},"https://www.miway.co.za/car-insurance",{"type":70,"text":1875,"spans":1876,"direction":73},"When you take out car insurance online, 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.",[1877],{"start":1878,"end":1879,"type":216,"data":1880},18,38,{"link_type":78,"url":1881,"target":135},"https://www.santam.co.za/insurance/for-me/car/","article_content_text$65fff967-5eef-439b-801c-f3d4ce59a9f3","article_content_text",{"variation":1588,"version":1492,"items":1885,"primary":1886,"id":1921,"slice_type":1883,"slice_label":9},[],{"heading":1887,"content":1888,"link_heading":1362},"What does 'regular driver' mean? and why the regular driver affects your premium",[1889,1896,1899,1902,1906,1909,1912,1918],{"type":70,"text":1890,"spans":1891,"direction":73},"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 measure over a month).",[1892],{"start":1893,"end":1894,"type":1895},113,123,"strong",{"type":70,"text":1897,"spans":1898,"direction":73},"That’s not always the policyholder.",[],{"type":70,"text":1900,"spans":1901,"direction":73},"For example:",[],{"type":1903,"text":1904,"spans":1905,"direction":73},"list-item","You own the car, but your partner drives it to work every day.",[],{"type":1903,"text":1907,"spans":1908,"direction":73},"You bought a car for your family, but your child uses it most of the week.",[],{"type":1903,"text":1910,"spans":1911,"direction":73},"You work from home now, and the “regular driver” has changed without you noticing.",[],{"type":70,"text":1913,"spans":1914,"direction":73},"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.\n",[1915],{"start":1916,"end":1917,"type":1649},73,76,{"type":70,"text":1919,"spans":1920,"direction":73},"Insurers assess factors such as driving experience, claims history, vehicle usage, overnight parking location and theft risk when determining premiums. These factors are linked to the person who uses the vehicle most frequently.",[],"article_content_text$8554eff4-f74e-4024-a362-f30bdc45caa5",{"variation":1588,"version":1492,"items":1923,"primary":1924,"id":1951,"slice_type":1883,"slice_label":9},[],{"heading":1925,"content":1926,"link_heading":1362},"Why does the regular driver affect your premium?",[1927,1930,1933,1936,1939,1942,1945,1948],{"type":70,"text":1928,"spans":1929,"direction":73},"Your insurer calculates your premium using a risk profile and the regular driver is a big part of that calculation.",[],{"type":70,"text":1931,"spans":1932,"direction":73},"Typically, risk factors can include:",[],{"type":1903,"text":1934,"spans":1935,"direction":73},"Age and driving experience (first-time and young drivers often price differently)",[],{"type":1903,"text":1937,"spans":1938,"direction":73},"Driving and claims history",[],{"type":1903,"text":1940,"spans":1941,"direction":73},"Where the car is kept (address/area)",[],{"type":1903,"text":1943,"spans":1944,"direction":73},"How the car is used (private vs business use)",[],{"type":1903,"text":1946,"spans":1947,"direction":73},"Security and theft risk factors (like tracking devices, alarms, parking)",[],{"type":70,"text":1949,"spans":1950,"direction":73},"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":1588,"version":1492,"items":1953,"primary":1954,"id":1965,"slice_type":1883,"slice_label":9},[],{"heading":1955,"content":1956,"link_heading":1362},"A quick South African reality check (why risk matters)",[1957],{"type":70,"text":1958,"spans":1959,"direction":73},"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.",[1960],{"start":1961,"end":1962,"type":216,"data":1963},79,125,{"link_type":78,"url":1964,"target":135},"https://datahub.tracker.co.za/crime-index/","article_content_text$8a755a52-cc86-44e1-8c75-a600c4406ebf",{"variation":1588,"version":1492,"items":1967,"primary":1968,"id":1991,"slice_type":1883,"slice_label":9},[],{"heading":1969,"content":1970,"link_heading":1362},"Why do some people name the wrong regular driver?",[1971,1974,1979,1983,1988],{"type":70,"text":1972,"spans":1973,"direction":73},"Most of the time, it happens for one of these reasons:",[],{"type":1975,"text":1976,"spans":1977,"direction":73},"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.",[1978],{"start":28,"end":1647,"type":1895},{"type":1975,"text":1980,"spans":1981,"direction":73},"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.",[1982],{"start":28,"end":1535,"type":1895},{"type":1975,"text":1984,"spans":1985,"direction":73},"Confusion between “owner”, “policyholder”, and “regular driver”\nThese can be three different people and that’s allowed as long as it’s disclosed correctly.",[1986],{"start":28,"end":1987,"type":1895},63,{"type":70,"text":1989,"spans":1990,"direction":73},"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":1588,"version":1492,"items":1993,"primary":1994,"id":2018,"slice_type":1883,"slice_label":9},[],{"heading":1995,"content":1996,"link_heading":1362},"What’s the risk of noting the wrong driver?",[1997,2000,2003,2006,2009,2012,2015],{"type":70,"text":1998,"spans":1999,"direction":73},"Insurance is built on good faith you give accurate information, and your insurer agrees to cover you based on that information.",[],{"type":70,"text":2001,"spans":2002,"direction":73},"If the wrong regular driver is listed, it can lead to:",[],{"type":1903,"text":2004,"spans":2005,"direction":73},"Delays while details are verified at claims stage",[],{"type":1903,"text":2007,"spans":2008,"direction":73},"Adjustments (like additional excesses) depending on the policy terms",[],{"type":1903,"text":2010,"spans":2011,"direction":73},"In serious cases, a claim being declined if there’s material misrepresentation",[],{"type":1903,"text":2013,"spans":2014,"direction":73},"Higher premiums later, because your risk profile has been affected",[],{"type":70,"text":2016,"spans":2017,"direction":73},"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":1588,"version":1492,"items":2020,"primary":2021,"id":2077,"slice_type":1883,"slice_label":9},[],{"heading":2022,"content":2023,"link_heading":1362},"Does this mean I can’t let someone else drive my car?",[2024,2029,2032,2036,2039,2042,2050,2055,2060,2063,2071,2074],{"type":70,"text":2025,"spans":2026,"direction":73},"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).",[2027],{"start":2028,"end":861,"type":1649},12,{"type":70,"text":2030,"spans":2031,"direction":73},"In many cases, if:",[],{"type":1903,"text":2033,"spans":2034,"direction":73},"the regular driver is correctly noted,",[2035],{"start":156,"end":1878,"type":1895},{"type":1903,"text":2037,"spans":2038,"direction":73},"the person driving is legally licensed (and complying with the law),",[],{"type":1903,"text":2040,"spans":2041,"direction":73},"and policy conditions are met,",[],{"type":70,"text":2043,"spans":2044,"direction":73},"…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",[2045,2047],{"start":2046,"end":1738,"type":1895},99,{"start":2048,"end":2049,"type":1895},175,232,{"type":1903,"text":2051,"spans":2052,"direction":73},"A young driver (or new driver) starts using the car more often",[2053],{"start":123,"end":2054,"type":1895},14,{"type":1903,"text":2056,"spans":2057,"direction":73},"A learner driver uses the car (some policies require a licensed driver to be present)",[2058],{"start":123,"end":2059,"type":1895},16,{"type":1903,"text":2061,"spans":2062,"direction":73},"You share a car between two households",[],{"type":1903,"text":2064,"spans":2065,"direction":73},"Your car use changes from private to business use",[2066,2068],{"start":2067,"end":1009,"type":1895},26,{"start":2069,"end":2070,"type":1895},37,49,{"type":1903,"text":2072,"spans":2073,"direction":73},"Someone moves in (or moves out) and the “regular driver” shifts",[],{"type":70,"text":2075,"spans":2076,"direction":73},"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":1588,"version":1492,"items":2079,"primary":2080,"id":2116,"slice_type":1883,"slice_label":9},[],{"heading":2081,"content":2082,"link_heading":1362},"Quick checklist: how to keep your cover accurate (and claim-ready)",[2083,2086,2091,2096,2100,2104,2108,2113],{"type":70,"text":2084,"spans":2085,"direction":73},"Use this simple review once a quarter (or whenever life changes):",[],{"type":1903,"text":2087,"spans":2088,"direction":73},"Who drives the car most often right now? (That’s your regular/main driver.)",[2089],{"start":28,"end":2090,"type":1895},40,{"type":1903,"text":2092,"spans":2093,"direction":73},"Has a child/partner started driving the car more frequently?",[2094],{"start":28,"end":2095,"type":1895},60,{"type":1903,"text":2097,"spans":2098,"direction":73},"Has the car’s use changed? (private vs business)",[2099],{"start":28,"end":2067,"type":1895},{"type":1903,"text":2101,"spans":2102,"direction":73},"Has the overnight address changed?",[2103],{"start":28,"end":1535,"type":1895},{"type":1903,"text":2105,"spans":2106,"direction":73},"Do you need to list additional/nominated drivers?",[2107],{"start":28,"end":2070,"type":1895},{"type":1903,"text":2109,"spans":2110,"direction":73},"Do your excess amounts still make sense for your household?",[2111],{"start":28,"end":2112,"type":1895},59,{"type":70,"text":2114,"spans":2115,"direction":73},"A small update now can save a big headache later.",[],"article_content_text$6321497b-9654-46ba-a4e8-ce504dea5f1a",{"variation":1588,"version":1492,"items":2118,"primary":2119,"id":2144,"slice_type":1883,"slice_label":9},[],{"heading":2120,"content":2121,"link_heading":1362},"The bottom line",[2122,2125,2128,2131,2134,2137],{"type":70,"text":2123,"spans":2124,"direction":73},"Stating the correct regular driver helps you:",[],{"type":1903,"text":2126,"spans":2127,"direction":73},"Pay a premium that matches the actual risk",[],{"type":1903,"text":2129,"spans":2130,"direction":73},"Avoid surprises at claims stage",[],{"type":1903,"text":2132,"spans":2133,"direction":73},"Keep your cover clear if someone else drives the car occasionally",[],{"type":1903,"text":2135,"spans":2136,"direction":73},"Build a clean insurance history for the right driver over time",[],{"type":70,"text":2138,"spans":2139,"direction":73},"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.",[2140],{"start":1660,"end":2141,"type":216,"data":2142},378,{"link_type":78,"url":2143,"target":1742},"https://www.miway.co.za/contact-miway","article_content_text$82c34d60-b65b-485a-aabc-a08cec8f1fb6","The importance of stating the correct regular driver","Car insurance tip: naming the correct regular driver helps price your premium fairly and avoids claim issues. Learn what to do if drivers change.","car insurance",{"dimensions":2149,"alt":1854,"copyright":9,"url":2152,"id":1856,"edit":2153},{"width":2150,"height":2151},2400,1260,"https://images.prismic.io/miway-website/Z6XWwZbqstJ9-WDB_TheImportanceOfStatingTheCorrectRegularDriver.jpeg?auto=format,compress&rect=23,0,933,490&w=2400&h=1260",{"x":27,"y":28,"zoom":29,"background":30},{"link_type":35},[2156],{"type":70,"text":2157,"spans":2158,"direction":73},"One of the most important questions asked when applying for car insurance is who the regular driver of the vehicle is. While it may seem like a simple detail, it plays an important role in how insurers assess risk and calculate premiums. Keeping this information accurate helps ensure your policy reflects your circumstances and supports a smoother claims process.",[],"Miway",{"id":2161,"type":2162,"tags":2163,"lang":16,"slug":631,"first_publication_date":2164,"last_publication_date":2165,"uid":2166,"link_type":393,"key":2167,"isBroken":395},"ZwYbiRAAACEAp-qZ","service_block",[],"2024-10-09T06:00:31+0000","2026-04-09T16:11:50+0000","blog-service-block","bbb69bfe-7504-48ab-b826-ea70e2b5b9f9",[],{"dimensions":2170,"alt":2171,"copyright":9,"url":1855,"id":1856,"edit":2172},{"width":1852,"height":1853},"Lady sitting in car facing out window",{"x":28,"y":28,"zoom":29,"background":30},{"id":2174,"uid":2175,"url":2176,"type":1829,"href":2177,"tags":2178,"first_publication_date":2179,"last_publication_date":2180,"slugs":2181,"linked_documents":2183,"lang":16,"alternate_languages":2184,"data":2185},"Z6M9gRIAACUAN3TB","potholes-sinkholes-and-holes-in-your-pocket","/blog/potholes-sinkholes-and-holes-in-your-pocket","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=apVSvRIAACwAyLal&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z6M9gRIAACUAN3TB%22%29+%5D%5D",[958,688,996],"2025-02-05T10:29:34+0000","2026-08-05T07:21:15+0000",[2182],"2026-07-30t0700000000",[],[],{"date":2186,"heading":2187,"duration":1597,"article_type":2188,"category":2191,"related_product":2194,"thumbnail":2197,"type":1858,"related_insurance":1859,"slices":2204,"meta_title":2361,"meta_description":2362,"meta_keywords":9,"meta_image":2363,"canonical":2368,"intro":2369,"author":2159,"service_block":2373,"in_this_article":2376,"hero_image":2377},"2026-07-30T07:00:00+0000","Potholes, Sinkholes and Car Insurance: How South African drivers can protect their vehicles",{"id":1337,"type":1338,"tags":2189,"lang":16,"slug":1340,"first_publication_date":1341,"last_publication_date":1341,"uid":1340,"url":1342,"link_type":393,"key":2190,"isBroken":395},[],"ffb99c39-952b-4bc9-a8df-12b7b88c30b0",{"id":1614,"type":1615,"tags":2192,"lang":16,"slug":1376,"first_publication_date":1617,"last_publication_date":1617,"uid":1376,"url":1342,"link_type":393,"key":2193,"isBroken":395},[],"4edc38eb-ce95-44b4-b81b-54ea251f5e62",{"id":626,"type":515,"tags":2195,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":2196,"isBroken":395},[519],"3b1b9939-8938-4993-9f44-b9d586f8bb5e",{"dimensions":2198,"alt":9,"copyright":9,"url":2201,"id":2202,"edit":2203},{"width":2199,"height":2200},2544,1158,"https://images.prismic.io/miway-website/Z4e8IJbqstJ99fX7_Design2544x1158.png?auto=format,compress","Z4e8IJbqstJ99fX7",{"x":28,"y":28,"zoom":29,"background":30},[2205,2226,2239,2248,2257,2269,2278,2293],{"variation":1588,"version":1492,"items":2206,"primary":2207,"id":2225,"slice_type":1883,"slice_label":9},[],{"heading":2208,"content":2209,"link_heading":1362},"Why potholes cause so much damage",[2210,2215,2218],{"type":70,"text":2211,"spans":2212,"direction":73},"Tips for taking on South Africa's aging roads",[2213],{"start":28,"end":2214,"type":1649},45,{"type":70,"text":2216,"spans":2217,"direction":73},"It should come as no surprise to motorists on South African roads, that most tyre repairs are the result of damage caused by potholes and poor road conditions. According to a tyre repair centre, heavy rains worsen the state of existing potholes and even worse, obscure the vision of unsuspecting drivers, making potholes almost invisible to the naked eye.  ",[],{"type":70,"text":2219,"spans":2220,"direction":73},"But no need to fret, we’ve got you! Here are a few tips to avoid holes in your pockets by minimizing potential damage and costly repairs:\n\nPotholes can damage tyres, rims, suspension, wheel alignment and the vehicle undercarriage. Heavy rainfall often makes potholes deeper and harder to identify.",[2221],{"start":2222,"end":2223,"type":216,"data":2224},208,215,{"link_type":78,"url":1873,"target":135},"article_content_text$7514fa3b-9a9a-40e3-8501-833cc7339181",{"variation":1588,"version":1492,"items":2227,"primary":2228,"id":2238,"slice_type":1883,"slice_label":9},[],{"heading":2229,"content":2230,"link_heading":1362},"Don't slam on the brakes",[2231],{"type":70,"text":2232,"spans":2233,"direction":73},"We know that potholes have a way of ‘appearing out of nowhere’, catching you unawares when you’re on the road. But whatever you do, don’t slam on the brakes, it won’t do your vehicle any favours. Braking as you attempt to cross a pothole is when most damage to your car is likely to happen. If you spot one on the road ahead, slow down gradually before you reach the gaping hole. While this might go against your instincts, your car is likely to be better off as a result. And because even cautious driving can’t prevent every mishap, consider getting a car insurance quote to ensure you have the right cover for the road ahead.",[2234],{"start":2235,"end":2236,"type":216,"data":2237},554,573,{"link_type":78,"url":1881,"target":135},"article_content_text$655daab4-c2ce-4a1f-b1e1-9fdba9401991",{"variation":1588,"version":1492,"items":2240,"primary":2241,"id":2247,"slice_type":1883,"slice_label":9},[],{"heading":2242,"content":2243,"link_heading":1362},"Go with what you know",[2244],{"type":70,"text":2245,"spans":2246,"direction":73},"Stick to routes you are familiar with to avoid unexpected surprises. If you're unable to stick to your typical commuting route, make sure to stick to the speed limit, as this will help you to a more-than-bumpy ride over potholes which will cause unnecessary damage.",[],"article_content_text$d2133874-5a34-454c-9e71-8fb157119ee1",{"variation":1588,"version":1492,"items":2249,"primary":2250,"id":2256,"slice_type":1883,"slice_label":9},[],{"heading":2251,"content":2252,"link_heading":1362},"Mind the puddles",[2253],{"type":70,"text":2254,"spans":2255,"direction":73},"Just about every part of the country has a rainy season, some more than others. Rainy conditions can result in potholes appearing to be no more than mere puddles. Careful, potholes pretending to be puddles tend to conceal the depth and nature of these treacherous obstacles. So, stay alert in wet weather, and hold the steering wheel firmly to prevent your vehicle from jerking or veering out of control. If your wheels are properly aligned, you should have relatively free passage as you pass over the pothole, so make sure to check your alignment regularly.",[],"article_content_text$13126f6f-212a-4307-9904-1f278617b559",{"variation":1588,"version":1492,"items":2258,"primary":2259,"id":2268,"slice_type":1883,"slice_label":9},[],{"heading":2260,"content":2261,"link_heading":1362},"Make sure you're insured",[2262],{"type":70,"text":2263,"spans":2264,"direction":73},"Whether you’ve named your car Miss Daisy or Herbie, show some love by making sure your ‘little baby’ is covered. Most comprehensive car insurance plans do make provisions for tyre and rim damage sustained as a result of driving through a pothole, so if you're a regular road user, touch base with your insurer to make sure that your vehicle is appropriately covered in the event of an unwelcome pothole or sinkhole incident.",[2265],{"start":1804,"end":2266,"type":216,"data":2267},145,{"link_type":78,"url":1873,"target":135},"article_content_text$57144797-a1e7-4818-94f5-4807379f17f3",{"variation":1588,"version":1492,"items":2270,"primary":2271,"id":2277,"slice_type":1883,"slice_label":9},[],{"heading":2272,"content":2273,"link_heading":1362},"Post-pothole checks",[2274],{"type":70,"text":2275,"spans":2276,"direction":73},"If you find yourself involved in a nasty little encounter with a pothole, make sure to give your vehicle a thorough once-over. If possible, pull over to the side of the road to check that your tyres are still intact, and make sure to check for any oil or water leaks, which can occur as a result of damage to the undercarriage of the car.",[],"article_content_text$46ec21cd-1553-4c45-bbec-fbc720cdd3e5",{"variation":1588,"version":1492,"items":2279,"primary":2280,"id":2292,"slice_type":1883,"slice_label":9},[],{"heading":2281,"content":2282,"link_heading":1362},"Expert insight",[2283,2286,2289],{"type":70,"text":2284,"spans":2285,"direction":73},"Transport Minister Fikile Mbalula recently announced that 80% of South African roads have reached the end of their 20-year lifespan. So, the sad reality is that potholes are likely to be an undesirable but inevitable feature of our country’s roads for some time to come.",[],{"type":70,"text":2287,"spans":2288,"direction":73},"We hope our tips help you to pre-empt and prepare for potholes, so that you live your way -  enjoying every road-trip, whether you’re on holiday, visiting loved ones, or doing school runs.",[],{"type":70,"text":2290,"spans":2291,"direction":73},"Miway is a licensed non-life insurer and Financial Services Provider (FSP 33970).",[],"article_content_text$d7ee3091-b8f8-4a57-ae1b-caf952e5c4ee",{"variation":2294,"version":1492,"items":2295,"primary":2296,"id":2360,"slice_type":1883,"slice_label":9},"subheadingBulletLists",[],{"heading":2297,"content":2298,"sub_sections":2299,"link_heading":395},"10 Frequently Asked Questions",[],[2300,2306,2312,2318,2324,2330,2336,2342,2348,2354],{"subheading":2301,"list":2302,"link_subsection":1362},"1. What is a regular driver?",[2303],{"type":70,"text":2304,"spans":2305,"direction":73},"The regular driver is the person who drives the insured vehicle most often during a typical month.",[],{"subheading":2307,"list":2308,"link_subsection":1362},"Why do insurers ask who the regular driver is?",[2309],{"type":70,"text":2310,"spans":2311,"direction":73},"Because the regular driver's risk profile helps determine the insurance premium.",[],{"subheading":2313,"list":2314,"link_subsection":1362},"Can the regular driver be different from the policyholder?",[2315],{"type":70,"text":2316,"spans":2317,"direction":73},"Yes. The owner, policyholder and regular driver may all be different people if correctly disclosed.",[],{"subheading":2319,"list":2320,"link_subsection":1362},"Does changing the regular driver affect my premium?",[2321],{"type":70,"text":2322,"spans":2323,"direction":73},"It may, as insurers reassess the risk profile based on the new regular driver.",[],{"subheading":2325,"list":2326,"link_subsection":1362},"What happens if I list the wrong regular driver?",[2327],{"type":70,"text":2328,"spans":2329,"direction":73},"Incorrect information may lead to claim delays, additional excesses or other consequences depending on the policy and circumstances.",[],{"subheading":2331,"list":2332,"link_subsection":1362},"Can someone else drive my insured car?",[2333],{"type":70,"text":2334,"spans":2335,"direction":73},"Many policies allow occasional drivers, subject to policy terms and conditions.",[],{"subheading":2337,"list":2338,"link_subsection":1362},"When should I update my insurer?",[2339],{"type":70,"text":2340,"spans":2341,"direction":73},"Whenever the regular driver, vehicle usage or household circumstances change.",[],{"subheading":2343,"list":2344,"link_subsection":1362},"What is insurance fronting?",[2345],{"type":70,"text":2346,"spans":2347,"direction":73},"Fronting refers to deliberately misrepresenting the regular driver to obtain a lower premium.",[],{"subheading":2349,"list":2350,"link_subsection":1362},"Does working from home affect who the regular driver is?",[2351],{"type":70,"text":2352,"spans":2353,"direction":73},"It can. Lifestyle changes may mean someone else now drives the vehicle more frequently.",[],{"subheading":2355,"list":2356,"link_subsection":1362},"How often should I review my car insurance details?",[2357],{"type":70,"text":2358,"spans":2359,"direction":73},"Review your policy at least annually and after any significant change in your driving arrangements.",[],"article_content_text$e35f3f8c-03c4-4bfb-874d-805615dd6458","Potholes, Sinkholes and Holes in Your Pocket","It should come as no surprise to motorists on South African roads, that most tyre repairs are the result of damage caused by potholes and poor road conditions. According to a tyre repair centre, heavy rains worsen the state of existing potholes and even worse, obscure the vision of unsuspecting drivers, making potholes almost invisible to the naked eye.",{"dimensions":2364,"alt":9,"copyright":9,"url":2365,"id":2202,"edit":2366},{"width":2150,"height":2151},"https://images.prismic.io/miway-website/Z4e8IJbqstJ99fX7_Design2544x1158.png?auto=format,compress&rect=169,0,2206,1158&w=2400&h=1260",{"x":2367,"y":28,"zoom":29,"background":30},169,{"link_type":35},[2370],{"type":70,"text":2371,"spans":2372,"direction":73},"Potholes and deteriorating roads are an everyday reality for many South African motorists. While avoiding every pothole is impossible, understanding how to drive safely, reduce damage and ensure you have the right insurance cover can save you thousands in unexpected repair costs.",[],{"id":2161,"type":2162,"tags":2374,"lang":16,"slug":631,"first_publication_date":2164,"last_publication_date":2165,"uid":2166,"link_type":393,"key":2375,"isBroken":395},[],"881f66d7-c11f-4266-8ea9-184c0b9edfcf",[],{"dimensions":2378,"alt":9,"copyright":9,"url":2201,"id":2202,"edit":2379},{"width":2199,"height":2200},{"x":28,"y":28,"zoom":29,"background":30},{"id":2381,"uid":2382,"url":2383,"type":1829,"href":2384,"tags":2385,"first_publication_date":2386,"last_publication_date":2387,"slugs":2388,"linked_documents":2390,"lang":16,"alternate_languages":2391,"data":2392},"Z6nbVhIAACcAQczx","what-to-do-if-your-car-breaks-down-on-the-highway","/blog/what-to-do-if-your-car-breaks-down-on-the-highway","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=apVSvRIAACwAyLal&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z6nbVhIAACcAQczx%22%29+%5D%5D",[688,996,958],"2025-02-10T10:56:36+0000","2026-07-14T13:18:04+0000",[2389],"2026-06-29t0700000000",[],[],{"date":2393,"heading":2394,"duration":123,"article_type":2395,"category":2398,"related_product":2401,"thumbnail":2404,"type":1858,"related_insurance":1859,"slices":2410,"meta_title":2926,"meta_description":2927,"meta_keywords":2928,"meta_image":2929,"canonical":2933,"intro":2934,"author":2159,"service_block":2938,"in_this_article":2941,"hero_image":2942},"2026-06-29T07:00:00+0000","What to do if your car breaks down on the highway",{"id":1337,"type":1338,"tags":2396,"lang":16,"slug":1340,"first_publication_date":1341,"last_publication_date":1341,"uid":1340,"url":1342,"link_type":393,"key":2397,"isBroken":395},[],"a855ccfc-3f69-45ca-8c35-518d4991b2fd",{"id":1614,"type":1615,"tags":2399,"lang":16,"slug":1376,"first_publication_date":1617,"last_publication_date":1617,"uid":1376,"url":1342,"link_type":393,"key":2400,"isBroken":395},[],"37c21d96-8fcf-4b0e-abde-aeb0d99e2a91",{"id":626,"type":515,"tags":2402,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":2403,"isBroken":395},[519],"ebf544fb-3be3-4723-990f-684a5a5ef93a",{"dimensions":2405,"alt":2406,"copyright":9,"url":2407,"id":2408,"edit":2409},{"width":1852,"height":1853},"emergency assistance benefit","https://images.prismic.io/miway-website/Z6na0pbqstJ9-a6k_WhatToDoIfYourCarBreaksDownOnTheHighway.jpeg?auto=format,compress","Z6na0pbqstJ9-a6k",{"x":28,"y":28,"zoom":29,"background":30},[2411,2427,2463,2495,2528,2555,2573,2615,2649,2695,2730,2763,2790,2831,2865,2908],{"variation":1588,"version":1492,"items":2412,"primary":2413,"id":2426,"slice_type":1883,"slice_label":9},[],{"heading":9,"content":2414,"link_heading":395},[2415,2423],{"type":70,"text":2416,"spans":2417,"direction":73},"Many breakdown situations happen unexpectedly, even in well-maintained vehicles. According to the Road Traffic Management Corporation, roadside emergencies and preventable vehicle issues continue to contribute to traffic disruptions and dangerous roadside conditions across South Africa.",[2418],{"start":2419,"end":2420,"type":216,"data":2421},98,133,{"link_type":78,"url":2422,"target":135},"https://www.rtmc.co.za/",{"type":70,"text":2424,"spans":2425,"direction":73},"The good news is that staying calm and following a few important safety steps can make a significant difference.",[],"article_content_text$1d9c749b-1850-41b5-9a75-2b4117a718af",{"variation":1588,"version":1492,"items":2428,"primary":2429,"id":2462,"slice_type":1883,"slice_label":9},[],{"heading":2430,"content":2431,"link_heading":1362},"Stay calm and focus on safety first",[2432,2435,2438,2441,2444,2447,2450,2453,2456,2459],{"type":70,"text":2433,"spans":2434,"direction":73},"The first priority during a highway breakdown is safety.",[],{"type":70,"text":2436,"spans":2437,"direction":73},"If you notice warning signs such as:",[],{"type":1903,"text":2439,"spans":2440,"direction":73},"Loss of power",[],{"type":1903,"text":2442,"spans":2443,"direction":73},"Smoke from the engine",[],{"type":1903,"text":2445,"spans":2446,"direction":73},"Unusual noises",[],{"type":1903,"text":2448,"spans":2449,"direction":73},"Overheating",[],{"type":1903,"text":2451,"spans":2452,"direction":73},"Steering difficulty",[],{"type":1903,"text":2454,"spans":2455,"direction":73},"Dashboard warning lights",[],{"type":70,"text":2457,"spans":2458,"direction":73},"try to move your vehicle safely out of active traffic as soon as possible.",[],{"type":70,"text":2460,"spans":2461,"direction":73},"Avoid braking suddenly or swerving aggressively, especially on busy highways.",[],"article_content_text$39a82356-f8d5-4df6-b027-5abc66ceda6f",{"variation":1588,"version":1492,"items":2464,"primary":2465,"id":2494,"slice_type":1883,"slice_label":9},[],{"heading":2466,"content":2467,"link_heading":1362},"Move your vehicle to a safe area",[2468,2471,2474,2477,2480,2483,2486],{"type":70,"text":2469,"spans":2470,"direction":73},"If the vehicle is still moving:",[],{"type":1903,"text":2472,"spans":2473,"direction":73},"Signal early",[],{"type":1903,"text":2475,"spans":2476,"direction":73},"Check mirrors carefully",[],{"type":1903,"text":2478,"spans":2479,"direction":73},"Move slowly toward the emergency lane or road shoulder",[],{"type":1903,"text":2481,"spans":2482,"direction":73},"Avoid stopping around blind corners or hills where visibility is poor",[],{"type":70,"text":2484,"spans":2485,"direction":73},"If possible, stop as far away from moving traffic as you can.",[],{"type":70,"text":2487,"spans":2488,"direction":73},"According to Arrive Alive, secondary accidents often happen when stranded vehicles remain too close to active traffic lanes.",[2489],{"start":2490,"end":2491,"type":216,"data":2492},13,25,{"link_type":78,"url":2493,"target":135},"https://www.arrivealive.co.za","article_content_text$b86d004d-234a-4c8f-8441-83111a24fa39",{"variation":1588,"version":1492,"items":2496,"primary":2497,"id":2527,"slice_type":1883,"slice_label":9},[],{"heading":2498,"content":2499,"link_heading":1362},"Turn on hazard lights immediately",[2500,2503,2506,2509,2512,2515,2518,2521,2524],{"type":70,"text":2501,"spans":2502,"direction":73},"Your hazard lights help alert other drivers that your vehicle is experiencing a problem.",[],{"type":70,"text":2504,"spans":2505,"direction":73},"Turn them on immediately after pulling over.",[],{"type":70,"text":2507,"spans":2508,"direction":73},"If visibility is poor because of:",[],{"type":1903,"text":2510,"spans":2511,"direction":73},"Rain",[],{"type":1903,"text":2513,"spans":2514,"direction":73},"Fog",[],{"type":1903,"text":2516,"spans":2517,"direction":73},"Darkness",[],{"type":1903,"text":2519,"spans":2520,"direction":73},"Smoke",[],{"type":1903,"text":2522,"spans":2523,"direction":73},"Dust",[],{"type":70,"text":2525,"spans":2526,"direction":73},"hazard lights become even more important for roadside visibility.",[],"article_content_text$707a418e-11c3-490e-a5f6-e114c45971f7",{"variation":1588,"version":1492,"items":2529,"primary":2530,"id":2554,"slice_type":1883,"slice_label":9},[],{"heading":2531,"content":2532,"link_heading":1362},"Stay inside the vehicle if it’s unsafe outside",[2533,2536,2539,2542,2545,2548,2551],{"type":70,"text":2534,"spans":2535,"direction":73},"Many motorists instinctively exit the vehicle immediately after stopping. However, this is not always the safest option.",[],{"type":70,"text":2537,"spans":2538,"direction":73},"If traffic is moving quickly and there is no safe roadside area, remaining inside the vehicle with your seatbelt fastened may sometimes be safer than standing near moving traffic.",[],{"type":70,"text":2540,"spans":2541,"direction":73},"If you must exit:",[],{"type":1903,"text":2543,"spans":2544,"direction":73},"Leave through the passenger side where possible",[],{"type":1903,"text":2546,"spans":2547,"direction":73},"Move far away from traffic",[],{"type":1903,"text":2549,"spans":2550,"direction":73},"Keep children away from the roadway",[],{"type":1903,"text":2552,"spans":2553,"direction":73},"Stand behind roadside barriers if available",[],"article_content_text$09a70dd6-63cf-4f7d-b94f-1294acc7e04d",{"variation":1588,"version":1492,"items":2556,"primary":2557,"id":2572,"slice_type":1883,"slice_label":9},[],{"heading":2558,"content":2559,"link_heading":1362},"Place a warning triangle behind your vehicle",[2560,2563,2566],{"type":70,"text":2561,"spans":2562,"direction":73},"South African road regulations require vehicles to carry reflective warning triangles.",[],{"type":70,"text":2564,"spans":2565,"direction":73},"Place the triangle a safe distance behind your vehicle to alert approaching traffic.",[],{"type":70,"text":2567,"spans":2568,"direction":73},"The South African Police Service encourages motorists to use visible warning devices during roadside emergencies, particularly at night or during poor weather conditions.",[2569],{"start":156,"end":705,"type":216,"data":2570},{"link_type":78,"url":2571,"target":135},"https://www.saps.gov.za/","article_content_text$80687e18-2bea-4256-817b-5c8ef2639dcb",{"variation":1588,"version":1492,"items":2574,"primary":2575,"id":2614,"slice_type":1883,"slice_label":9},[],{"heading":2576,"content":2577,"link_heading":1362},"Do not attempt dangerous repairs on the highway",[2578,2581,2585,2588,2591,2594,2599,2602,2605,2608,2611],{"type":70,"text":2579,"spans":2580,"direction":73},"Trying to repair your vehicle while standing near high-speed traffic can be dangerous.",[],{"type":70,"text":2582,"spans":2583,"direction":73},"Avoid attempting repairs unless:",[2584],{"start":28,"end":705,"type":1895},{"type":1903,"text":2586,"spans":2587,"direction":73},"It is safe to do so",[],{"type":1903,"text":2589,"spans":2590,"direction":73},"You are well away from moving traffic",[],{"type":1903,"text":2592,"spans":2593,"direction":73},"Conditions are stable and visible",[],{"type":70,"text":2595,"spans":2596,"direction":73},"This is especially important during:",[2597],{"start":28,"end":2598,"type":1895},36,{"type":1903,"text":2600,"spans":2601,"direction":73},"Heavy rain",[],{"type":1903,"text":2603,"spans":2604,"direction":73},"Night driving",[],{"type":1903,"text":2606,"spans":2607,"direction":73},"Peak traffic periods",[],{"type":1903,"text":2609,"spans":2610,"direction":73},"Poor visibility conditions",[],{"type":70,"text":2612,"spans":2613,"direction":73},"If you have a flat tyre, move the vehicle to a safer location before attempting to change it.",[],"article_content_text$e14b2407-00b4-456a-a192-64183138dc51",{"variation":1588,"version":1492,"items":2616,"primary":2617,"id":2648,"slice_type":1883,"slice_label":9},[],{"heading":2618,"content":2619,"link_heading":1362},"Call for Roadside Assistance",[2620,2623,2630,2633,2636,2639,2642,2645],{"type":70,"text":2621,"spans":2622,"direction":73},"Once you are safe, contact roadside assistance or emergency support.",[],{"type":70,"text":2624,"spans":2625,"direction":73},"Many drivers now rely on roadside assistance services included with their car insurance benefits, helping provide support during:",[2626],{"start":2627,"end":2628,"type":216,"data":2629},74,96,{"link_type":78,"url":1873,"target":1742},{"type":1903,"text":2631,"spans":2632,"direction":73},"Flat tyres",[],{"type":1903,"text":2634,"spans":2635,"direction":73},"Battery failures",[],{"type":1903,"text":2637,"spans":2638,"direction":73},"Mechanical breakdowns",[],{"type":1903,"text":2640,"spans":2641,"direction":73},"Fuel shortages",[],{"type":1903,"text":2643,"spans":2644,"direction":73},"Towing emergencies",[],{"type":70,"text":2646,"spans":2647,"direction":73},"Having access to roadside assistance can help reduce waiting times and improve safety during stressful situations.",[],"article_content_text$235b8d7e-36e6-4c27-9fb3-017daf3e02f5",{"variation":1588,"version":1492,"items":2650,"primary":2651,"id":2694,"slice_type":1883,"slice_label":9},[],{"heading":2652,"content":2653,"link_heading":1362},"Keep an emergency kit in your vehicle",[2654,2657,2660,2663,2666,2669,2672,2675,2678,2681,2684,2687],{"type":70,"text":2655,"spans":2656,"direction":73},"Emergency kits can make a major difference during roadside breakdowns.",[],{"type":70,"text":2658,"spans":2659,"direction":73},"Useful items include:",[],{"type":1903,"text":2661,"spans":2662,"direction":73},"Reflective triangles",[],{"type":1903,"text":2664,"spans":2665,"direction":73},"Torch",[],{"type":1903,"text":2667,"spans":2668,"direction":73},"Reflective jacket",[],{"type":1903,"text":2670,"spans":2671,"direction":73},"Cellphone charger",[],{"type":1903,"text":2673,"spans":2674,"direction":73},"Power bank",[],{"type":1903,"text":2676,"spans":2677,"direction":73},"Drinking water",[],{"type":1903,"text":2679,"spans":2680,"direction":73},"Basic first-aid kit",[],{"type":1903,"text":2682,"spans":2683,"direction":73},"Blanket",[],{"type":1903,"text":2685,"spans":2686,"direction":73},"Jumper cables",[],{"type":70,"text":2688,"spans":2689,"direction":73},"Regular vehicle maintenance checks may also help reduce the likelihood of unexpected roadside emergencies.",[2690],{"start":2691,"end":1535,"type":216,"data":2692},8,{"link_type":78,"url":2693,"target":1742},"https://www.miway.co.za/blog/car-maintenance-101-how-to-top-up-your-car-s-coolant","article_content_text$8eb56102-61f6-483d-9f12-439f836254ee",{"variation":1588,"version":1492,"items":2696,"primary":2697,"id":2729,"slice_type":1883,"slice_label":9},[],{"heading":2698,"content":2699,"link_heading":1362},"Common causes of highway breakdowns",[2700,2703,2706,2709,2712,2715,2718,2721,2724,2726],{"type":70,"text":2701,"spans":2702,"direction":73},"Many roadside emergencies are preventable.",[],{"type":70,"text":2704,"spans":2705,"direction":73},"Some of the most common causes include:",[],{"type":1903,"text":2707,"spans":2708,"direction":73},"Battery failure",[],{"type":1903,"text":2710,"spans":2711,"direction":73},"Engine 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breakdowns significantly.",[],{"type":70,"text":2739,"spans":2740,"direction":73},"Drivers should regularly:",[],{"type":1903,"text":2742,"spans":2743,"direction":73},"Check tyre pressure",[],{"type":1903,"text":2745,"spans":2746,"direction":73},"Monitor coolant levels",[],{"type":1903,"text":2748,"spans":2749,"direction":73},"Inspect battery condition",[],{"type":1903,"text":2751,"spans":2752,"direction":73},"Service brakes",[],{"type":1903,"text":2754,"spans":2755,"direction":73},"Replace worn tyres",[],{"type":1903,"text":2757,"spans":2758,"direction":73},"Check oil levels",[],{"type":70,"text":2760,"spans":2761,"direction":73},"Ignoring smaller warning signs can sometimes lead to larger and more expensive mechanical failures later.",[],"article_content_text$27270c51-25e6-4741-a805-82cafabe30b1",{"variation":1588,"version":1492,"items":2764,"primary":2765,"id":2789,"slice_type":1883,"slice_label":9},[],{"heading":2766,"content":2767,"link_heading":1362},"What to do while waiting for help",[2768,2771,2774,2777,2780,2783,2786],{"type":70,"text":2769,"spans":2770,"direction":73},"While waiting for assistance:",[],{"type":1903,"text":2772,"spans":2773,"direction":73},"Keep your phone charged",[],{"type":1903,"text":2775,"spans":2776,"direction":73},"Share your location with someone you trust",[],{"type":1903,"text":2778,"spans":2779,"direction":73},"Remain aware of your surroundings",[],{"type":1903,"text":2781,"spans":2782,"direction":73},"Avoid accepting help from strangers if you feel unsafe",[],{"type":1903,"text":2784,"spans":2785,"direction":73},"Keep valuables out of sight",[],{"type":70,"text":2787,"spans":2788,"direction":73},"If you feel threatened or unsafe, contact emergency services immediately.",[],"article_content_text$d2f8566d-5b8d-4fcc-b0dc-3a85748b5323",{"variation":1588,"version":1492,"items":2791,"primary":2792,"id":2830,"slice_type":1883,"slice_label":9},[],{"heading":2793,"content":2794,"link_heading":1362},"Why car insurance still matters during breakdowns",[2795,2798,2801,2804,2807,2810,2813,2816,2822],{"type":70,"text":2796,"spans":2797,"direction":73},"Unexpected roadside emergencies can become expensive quickly.",[],{"type":70,"text":2799,"spans":2800,"direction":73},"Costs may include:",[],{"type":1903,"text":2802,"spans":2803,"direction":73},"Towing",[],{"type":1903,"text":2805,"spans":2806,"direction":73},"Emergency repairs",[],{"type":1903,"text":2808,"spans":2809,"direction":73},"Accommodation",[],{"type":1903,"text":2811,"spans":2812,"direction":73},"Vehicle recovery",[],{"type":1903,"text":2814,"spans":2815,"direction":73},"Replacement transport",[],{"type":70,"text":2817,"spans":2818,"direction":73},"That’s why many motorists explore comprehensive car insurance options that may help provide support during unexpected vehicle incidents.",[2819],{"start":1535,"end":2820,"type":216,"data":2821},69,{"link_type":78,"url":1873,"target":1742},{"type":70,"text":2823,"spans":2824,"direction":73},"Understanding your roadside assistance and emergency support options before travelling long distances may help reduce stress during emergencies.",[2825],{"start":2826,"end":2827,"type":216,"data":2828},19,68,{"link_type":78,"url":2829,"target":1742},"https://www.miway.co.za/blog/9-medical-situations-your-insurer-can-assist-with","article_content_text$e2d181ba-ba2c-4de7-96a7-82e3ace39eb4",{"variation":1588,"version":1492,"items":2832,"primary":2833,"id":2864,"slice_type":1883,"slice_label":9},[],{"heading":2834,"content":2835,"link_heading":1362},"Before you start your next road trip",[2836,2839,2842,2845,2848,2851,2854,2857],{"type":70,"text":2837,"spans":2838,"direction":73},"Before travelling:",[],{"type":1903,"text":2840,"spans":2841,"direction":73},"Check tyres and tyre pressure",[],{"type":1903,"text":2843,"spans":2844,"direction":73},"Test lights and indicators",[],{"type":1903,"text":2846,"spans":2847,"direction":73},"Check coolant and oil 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High-speed traffic can make roadside areas dangerous. Move away from traffic where possible.",[],{"subheading":2884,"list":2885,"link_subsection":395},"Should I call roadside assistance or emergency services?",[2886],{"type":70,"text":2887,"spans":2888,"direction":73},"If the vehicle is safe and there are no injuries, roadside assistance is usually the first step. Contact emergency services if anyone is injured or unsafe.",[],{"subheading":2890,"list":2891,"link_subsection":395},"Can car insurance include roadside assistance?",[2892],{"type":70,"text":2893,"spans":2894,"direction":73},"Some policies may include roadside assistance or emergency support services depending on the level of cover selected.",[],{"subheading":2896,"list":2897,"link_subsection":395},"What causes most highway breakdowns?",[2898],{"type":70,"text":2899,"spans":2900,"direction":73},"Battery failures, tyre problems, overheating and poor vehicle maintenance are among the most common causes.",[],{"subheading":2902,"list":2903,"link_subsection":395},"How can I reduce the risk of breaking down?",[2904],{"type":70,"text":2905,"spans":2906,"direction":73},"Regular servicing, tyre inspections, battery checks and fluid monitoring may help reduce breakdown risks significantly.",[],"article_content_text$e84133d8-1b24-4ed2-9ded-548bd196ff54",{"variation":1588,"version":1492,"items":2909,"primary":2910,"id":2925,"slice_type":1883,"slice_label":9},[],{"heading":2911,"content":2912,"link_heading":1362},"Preparation can make all the difference",[2913,2916,2919],{"type":70,"text":2914,"spans":2915,"direction":73},"No driver expects their car to break down on the highway, but preparation and quick thinking can help keep everyone safer when unexpected situations happen.",[],{"type":70,"text":2917,"spans":2918,"direction":73},"Staying calm, prioritising safety and understanding your emergency support options may help make stressful roadside incidents easier to manage.",[],{"type":70,"text":2920,"spans":2921,"direction":73},"Combined with regular maintenance and the right car insurance cover, these simple precautions can help give drivers greater peace of mind on South African roads.",[2922],{"start":2923,"end":215,"type":216,"data":2924},48,{"link_type":78,"url":1873,"target":1742},"article_content_text$02359a22-53b8-4a52-b2aa-87529c154f73","What to do if your car breaks down on the highway | Miway.co.za","Breaking down in the middle of a busy highway is not an experience that anyone wants to go through. 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Whether it’s a flat tyre, overheating engine, dead battery or mechanical failure, knowing what to do next can help keep you and your passengers safe while reducing additional damage to your vehicle.",[],{"id":2161,"type":2162,"tags":2939,"lang":16,"slug":631,"first_publication_date":2164,"last_publication_date":2165,"uid":2166,"link_type":393,"key":2940,"isBroken":395},[],"21743dfd-ff6e-44da-9efc-bba3796f60ba",[],{"dimensions":2943,"alt":2406,"copyright":9,"url":2407,"id":2408,"edit":2944},{"width":1852,"height":1853},{"x":28,"y":28,"zoom":29,"background":30},{"id":2946,"uid":2947,"url":2948,"type":1829,"href":2949,"tags":2950,"first_publication_date":2951,"last_publication_date":2952,"slugs":2953,"linked_documents":2955,"lang":16,"alternate_languages":2956,"data":2957},"ajkpLxMAAC4AkW8Z","why-customising-your-insurance-matters-as-much-as-customising-your-coffee","/blog/why-customising-your-insurance-matters-as-much-as-customising-your-coffee","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=apVSvRIAACwAyLal&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ajkpLxMAAC4AkW8Z%22%29+%5D%5D",[624,688],"2026-06-22T18:30:04+0000","2026-07-14T13:19:58+0000",[2954],"2026-06-22t1817000000",[],[],{"date":2958,"heading":2959,"duration":9,"article_type":2960,"category":2963,"related_product":2966,"thumbnail":2969,"type":1858,"related_insurance":1859,"slices":2977,"meta_title":3103,"meta_description":3104,"meta_keywords":2147,"meta_image":3105,"canonical":3110,"intro":3111,"author":2159,"service_block":3115,"in_this_article":3118,"hero_image":3119},"2026-06-22T18:17:00+0000","Why customising your Insurance matters as much as customising your coffee",{"id":1374,"type":1338,"tags":2961,"lang":16,"slug":1376,"first_publication_date":1377,"last_publication_date":1378,"uid":1376,"url":1342,"link_type":393,"key":2962,"isBroken":395},[],"8761dbac-d0ff-4072-9722-f8c0aed31ec9",{"id":1614,"type":1615,"tags":2964,"lang":16,"slug":1376,"first_publication_date":1617,"last_publication_date":1617,"uid":1376,"url":1342,"link_type":393,"key":2965,"isBroken":395},[],"731783f0-9b45-4a2e-816f-891dcb6b4996",{"id":626,"type":515,"tags":2967,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":2968,"isBroken":395},[519],"d2ed0ae6-3600-4651-b8a4-1de5b5fd6db8",{"dimensions":2970,"alt":2973,"copyright":9,"url":2974,"id":2975,"edit":2976},{"width":2971,"height":2972},2161,585,"man at desk looking at laptop","https://images.prismic.io/miway-website/ajl8d1bRV8_QfvKd_car-insurance-and-coffee.jpg?auto=format,compress","ajl8d1bRV8_QfvKd",{"x":28,"y":28,"zoom":29,"background":30},[2978,2989,3013,3043,3084],{"variation":1588,"version":1492,"items":2979,"primary":2980,"id":2988,"slice_type":1883,"slice_label":9},[],{"heading":9,"content":2981,"link_heading":1362},[2982],{"type":70,"text":2983,"spans":2984,"direction":73},"Just like your coffee order, your insurance policy should be personalised to suit your lifestyle, budget, and financial needs. Taking the time to review your cover and understand how it works can make a significant difference when you need to claim",[2985],{"start":28,"end":1916,"type":216,"data":2986},{"link_type":78,"url":2987,"target":135},"https://insurancebiz.co.za/news/non-life/the-case-for-customizing-your-insurance,-not-just-your-coffee.html","article_content_text$3585179a-f62f-4d03-bc84-cbaa78df2d8b",{"variation":1588,"version":1492,"items":2990,"primary":2991,"id":3012,"slice_type":1883,"slice_label":9},[],{"heading":2992,"content":2993,"link_heading":1362},"What is an Insurance Excess?",[2994,2997,3000,3003,3006,3009],{"type":70,"text":2995,"spans":2996,"direction":73},"One of the most important parts of any insurance policy is the excess. 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However, this may not always suit your personal circumstances.",[],"article_content_text$e1657669-6e39-43a4-97c2-e4d24941f896",{"variation":1588,"version":1492,"items":3014,"primary":3015,"id":3042,"slice_type":1883,"slice_label":9},[],{"heading":3016,"content":3017,"link_heading":1362},"How to choose the right Insurance Excess",[3018,3021,3024,3027,3030,3033,3036,3039],{"type":70,"text":3019,"spans":3020,"direction":73},"Choosing the right excess depends on factors such as:",[],{"type":1903,"text":3022,"spans":3023,"direction":73},"Your monthly disposable income",[],{"type":1903,"text":3025,"spans":3026,"direction":73},"Your driving habits.",[],{"type":1903,"text":3028,"spans":3029,"direction":73},"Where you live",[],{"type":1903,"text":3031,"spans":3032,"direction":73},"Your exposure to risk",[],{"type":1903,"text":3034,"spans":3035,"direction":73},"Your ability to manage unexpected expenses.",[],{"type":70,"text":3037,"spans":3038,"direction":73},"A higher excess usually lowers your monthly premium, but it also means you will pay more when claiming. A lower excess may increase your monthly premium, but it can reduce financial pressure during a claim.",[],{"type":70,"text":3040,"spans":3041,"direction":73},"The best approach is to find a balance between affordable monthly premiums and a realistic amount you can comfortably pay if something goes wrong.",[],"article_content_text$3b5f8a0c-75ee-4917-845b-018d94a55823",{"variation":1588,"version":1492,"items":3044,"primary":3045,"id":3083,"slice_type":1883,"slice_label":9},[],{"heading":3046,"content":3047,"link_heading":1362},"Why insurance add-ons matter",[3048,3051,3056,3059,3062,3065,3071,3074,3077,3080],{"type":70,"text":3049,"spans":3050,"direction":73},"Insurance add-ons help tailor your policy to better suit your lifestyle and protection needs.",[],{"type":70,"text":3052,"spans":3053,"direction":73},"For motorists, optional add-ons may include:",[3054],{"start":156,"end":2490,"type":216,"data":3055},{"link_type":78,"url":1873,"target":1742},{"type":1903,"text":3057,"spans":3058,"direction":73},"Car hire",[],{"type":1903,"text":3060,"spans":3061,"direction":73},"Roadside assistance",[],{"type":1903,"text":3063,"spans":3064,"direction":73},"Tyre and rim cover",[],{"type":70,"text":3066,"spans":3067,"direction":73},"For homeowners, add-ons can include:",[3068],{"start":156,"end":2054,"type":216,"data":3069},{"link_type":78,"url":3070,"target":1742},"https://www.miway.co.za/home-insurance",{"type":1903,"text":3072,"spans":3073,"direction":73},"Lock and key replacement",[],{"type":1903,"text":3075,"spans":3076,"direction":73},"Power surge protection",[],{"type":1903,"text":3078,"spans":3079,"direction":73},"Lightning damage cover",[],{"type":70,"text":3081,"spans":3082,"direction":73},"These optional benefits provide additional peace of mind and help create a policy that works specifically for you.",[],"article_content_text$d7705fb0-3d1b-44de-9230-524437686003",{"variation":1588,"version":1492,"items":3085,"primary":3086,"id":3102,"slice_type":1883,"slice_label":9},[],{"heading":3087,"content":3088,"link_heading":1362},"There Is no one-size-fits-all insurance policy",[3089,3092,3095],{"type":70,"text":3090,"spans":3091,"direction":73},"Just as not everyone enjoys the same type of coffee, there is no single perfect insurance policy for everyone. Your insurance should evolve as your lifestyle, financial situation, and needs change over time.",[],{"type":70,"text":3093,"spans":3094,"direction":73},"Understanding your excess, reviewing your cover regularly, and selecting the right add-ons can help ensure you have insurance that truly fits your life — not just a default policy.",[],{"type":70,"text":3096,"spans":3097,"direction":73},"Choosing personalised insurance today can make all the difference tomorrow.",[3098],{"start":3099,"end":2069,"type":216,"data":3100},9,{"link_type":78,"url":3101,"target":1742},"https://www.miway.co.za/","article_content_text$7524931c-ebb6-49d7-8928-36509fcb1b16","Why Customising Your Insurance Matters as Much as Customising Your Coffee | Miway.co.za","Taking the time to review your cover and understand how it works can make a significant difference when you need to claim.",{"dimensions":3106,"alt":2973,"copyright":9,"url":3107,"id":2975,"edit":3108},{"width":2150,"height":2151},"https://images.prismic.io/miway-website/ajl8d1bRV8_QfvKd_car-insurance-and-coffee.jpg?auto=format,compress&rect=523,0,1114,585&w=2400&h=1260",{"x":3109,"y":28,"zoom":29,"background":30},523,{"link_type":35},[3112],{"type":70,"text":3113,"spans":3114,"direction":73},"Many South Africans spend time perfecting their daily coffee order, choosing the right blend, milk, and flavour to suit their preferences. 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