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better",{"name":1659,"link":1660,"summary":1663},"All your questions answered",{"id":493,"type":386,"tags":1661,"lang":16,"slug":496,"first_publication_date":497,"last_publication_date":498,"uid":496,"url":499,"link_type":393,"key":1662,"isBroken":395},[495],"7e9997da-1f96-44e1-bd02-8dfac0138126","Find all the answers in our FAQs","contact_details$0883da69-2169-4dbb-83af-f7e7c615c5dd","contact_details",{"variation":1506,"version":1482,"items":1667,"primary":1668,"id":1707,"slice_type":1708,"slice_label":9},[],{"heading":1669,"details":1670,"alignment":1363,"background":395,"download_heading":9,"slides":1674,"hide_app_icons":395},"Do it all your way on the Miway App",[1671],{"type":70,"text":1672,"spans":1673,"direction":73},"From emergency help to easily uploading pics when you claim. \u2028From a safe ride home to all your docs and details safe in one place.",[],[1675,1687,1697],{"heading":1676,"details":1677,"screenshot":1678,"field_link":1686},"Manage and submit claims","Log a claim, upload pics for inspection, get real-time updates and on-demand support.",{"dimensions":1679,"alt":9,"copyright":9,"url":1682,"id":1683,"edit":1684},{"width":1680,"height":1681},331,751,"https://images.prismic.io/miway-website/aKwTpmGNHVfTOQdQ_Claimssummary.png?auto=format,compress&rect=108,0,1601,3632&w=331&h=751","aKwTpmGNHVfTOQdQ",{"x":1685,"y":28,"zoom":29,"background":30},108,{"link_type":35},{"heading":1688,"details":1689,"screenshot":1690,"field_link":1696},"Activate roadside assistance","Connect with our team to get instant help at home or on the road, or book a WeDrive ride home.",{"dimensions":1691,"alt":9,"copyright":9,"url":1692,"id":1693,"edit":1694},{"width":1680,"height":1681},"https://images.prismic.io/miway-website/aKwTw2GNHVfTOQdR_ItemView-MaxView1.png?auto=format,compress&rect=36,0,1488,3376&w=331&h=751","aKwTw2GNHVfTOQdR",{"x":1695,"y":28,"zoom":29,"background":30},36,{"link_type":35},{"heading":1698,"details":1699,"screenshot":1700,"field_link":1706},"Sort out all your admin","Update your info, manage your policy, request documents, and get chat support.",{"dimensions":1701,"alt":9,"copyright":9,"url":1702,"id":1703,"edit":1704},{"width":1680,"height":1681},"https://images.prismic.io/miway-website/aKwT2mGNHVfTOQdU_AppdashboardPL2items.png?auto=format,compress&rect=10,0,1500,3404&w=331&h=751","aKwT2mGNHVfTOQdU",{"x":1705,"y":28,"zoom":29,"background":30},10,{"link_type":35},"app_section$b65336e4-37d4-4fb9-b5e9-8ca4c8196270","app_section",{"variation":1506,"version":1482,"items":1710,"primary":1711,"id":1713,"slice_type":1714,"slice_label":9},[],{"heading":1712},"Blogs & more","latest_articles$b1022402-2b52-4522-a385-87f1053475b4","latest_articles","Get an insurance quote from Miway Insurance","Get free Insurance Quotes Online from MiWay, a South African Insurance company that provides affordable Home Insurance, Business & Car Insurance.","Insurance Quotes, Car Insurance, Insurance Auto, Budget Insurance, Cheap Insurance, Vehicle Insurance, Accident Insurance, Motor Insurance, Insurance Cover, Women Insurance, Car Insurance South Africa, Insurance for Car, Household Insurance, myway",{},{"link_type":35},"WebPage",{"page":29,"results_per_page":1722,"results_size":1722,"total_results_size":1723,"total_pages":123,"next_page":1724,"prev_page":9,"results":1725,"version":6548,"license":6549},20,37,"https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5Bat%28document.type%2C+%22page%22%29%5D%5D&page=2&pageSize=20&fetchLinks=for_me",[1726,2168,2485,2623,2949,3113,3289,3762,3874,4081,4431,4711,4782,4985,5176,5507,5777,6013,6208,6349],{"id":1727,"uid":1728,"url":1729,"type":386,"href":1730,"tags":1731,"first_publication_date":1732,"last_publication_date":1733,"slugs":1734,"linked_documents":1736,"lang":16,"alternate_languages":1737,"data":1738},"ablQIhEAACEAIYLL","friday-is-miday-terms-of-use","/friday-is-miday-terms-of-use","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ablQIhEAACEAIYLL%22%29+%5D%5D",[],"2026-03-17T13:26:47+0000","2026-09-03T13:15:49+0000",[1735],"friday-is-miday-terms--conditions",[],[],{"title":1739,"slices":1743,"meta_title":2160,"meta_description":2161,"meta_keywords":9,"meta_image":2162,"canonical":2167,"schema_page_type":1720},[1740],{"type":1487,"text":1741,"spans":1742,"direction":73},"Friday is Miday Terms & Conditions",[],[1744,1769],{"variation":1745,"version":1482,"items":1746,"primary":1747,"id":1768,"slice_type":1504,"slice_label":9},"simpleWithImage",[],{"heading":1748,"details":1749,"image":1757,"card":1764},"Friday is Miday Competition Terms and Conditions",[1750],{"type":70,"text":1751,"spans":1752,"direction":73},"Miway Insurance Limited (“Miway”), in partnership with Jacaranda FM, is running the “Friday MiDay” competition (“Competition”). ",[1753],{"start":1754,"end":1755,"type":1756},84,99,"strong",{"dimensions":1758,"alt":9,"copyright":9,"url":1761,"id":1762,"edit":1763},{"width":1759,"height":1760},586,439,"https://images.prismic.io/miway-website/9fhxLio313SvxD6A_2462Miway_InteComms_SPO_586x439_5.jpg?auto=format,compress","9fhxLio313SvxD6A",{"x":28,"y":28,"zoom":29,"background":30},[1765],{"heading":1766,"content":1767},"The Competition forms part of Miway's sponsorship of Friday Is MiDay, a Jacaranda FM feature where listeners are invited to share why Friday is their day by submitting voice notes.",[],"hero_section$84bad08e-1bf8-480e-b858-e80f57ebb04c",{"variation":1506,"version":1482,"items":1770,"primary":1771,"id":2158,"slice_type":2159,"slice_label":9},[],{"content":1772},[1773],{"heading":1774,"text":1775},"Terms and Conditions",[1776,1780,1783,1789,1792,1798,1801,1803,1807,1809,1815,1818,1821,1823,1828,1830,1836,1839,1842,1845,1848,1851,1854,1857,1859,1864,1866,1869,1873,1876,1879,1882,1884,1888,1890,1893,1896,1899,1902,1905,1908,1911,1914,1916,1921,1923,1926,1930,1933,1936,1939,1941,1945,1947,1953,1959,1962,1965,1967,1971,1973,1976,1979,1982,1985,1988,1991,1994,1997,2000,2002,2007,2009,2012,2017,2020,2022,2026,2028,2031,2034,2037,2040,2042,2047,2049,2052,2055,2058,2060,2065,2067,2070,2073,2076,2079,2082,2085,2088,2091,2093,2098,2100,2103,2106,2109,2112,2115,2118,2120,2125,2127,2134,2140,2142,2146,2148,2151,2156],{"type":70,"text":1777,"spans":1778,"direction":73},"1. Competition ",[1779],{"start":28,"end":861,"type":1756},{"type":70,"text":1781,"spans":1782,"direction":73},"",[],{"type":70,"text":1784,"spans":1785,"direction":73},"1.1 Miway Insurance Limited (“Miway”), in partnership with Jacaranda FM, is running the “Friday MiDay” competition (“Competition”). ",[1786],{"start":1787,"end":1788,"type":1756},88,103,{"type":70,"text":1790,"spans":1791,"direction":73},"1.2 The Competition forms part of Miway's sponsorship of Friday Is MiDay, a Jacaranda FM feature where listeners are invited to share why Friday is their day by submitting voice notes. ",[],{"type":70,"text":1793,"spans":1794,"direction":73},"1.3 Selected voice notes may be played on air during Breakfast with Martin Bester, Fridays between 06:00 and 09:00. ",[1795],{"start":1796,"end":1797,"type":1756},53,81,{"type":70,"text":1799,"spans":1800,"direction":73},"1.4 The Competition aims to celebrate the Friday feeling and give eligible participants the opportunity to win a cash prize. ",[],{"type":70,"text":1781,"spans":1802,"direction":73},[],{"type":70,"text":1804,"spans":1805,"direction":73},"2. Competition period ",[1806],{"start":28,"end":1613,"type":1756},{"type":70,"text":1781,"spans":1808,"direction":73},[],{"type":70,"text":1810,"spans":1811,"direction":73},"2.1 The Competition will commence on 4 September 2026 and close on 30 November 2026 (“Competition Period”). ",[1812,1814],{"start":1723,"end":1813,"type":1756},54,{"start":215,"end":1754,"type":1756},{"type":70,"text":1816,"spans":1817,"direction":73},"2.2 voice notes received before the campaign opens or after the Competition closes will not qualify. ",[],{"type":70,"text":1819,"spans":1820,"direction":73},"2.3 Miway and Jacaranda reserve the right to amend, extend, suspend or terminate the Campaign where reasonably necessary, subject to applicable law. ",[],{"type":70,"text":1781,"spans":1822,"direction":73},[],{"type":70,"text":1824,"spans":1825,"direction":73},"3. Who may enter? ",[1826],{"start":28,"end":1827,"type":1756},18,{"type":70,"text":1781,"spans":1829,"direction":73},[],{"type":70,"text":1831,"spans":1832,"direction":73},"3.1 The Competition is open to South African residents aged 18 years or older, subject to the exclusions below. ",[1833],{"start":1834,"end":1835,"type":1756},31,77,{"type":70,"text":1837,"spans":1838,"direction":73},"3.2 Participants must provide accurate and valid information when entering the Competition. ",[],{"type":70,"text":1840,"spans":1841,"direction":73},"3.3 The following persons are not eligible to participate: ",[],{"type":70,"text":1843,"spans":1844,"direction":73},"a) Directors, employees and agents of Miway; ",[],{"type":70,"text":1846,"spans":1847,"direction":73},"b) Directors, employees and agents of Jacaranda FM and/or its participating service providers; ",[],{"type":70,"text":1849,"spans":1850,"direction":73},"c) Employees of Miway's advertising, marketing, creative, media and other agencies directly involved in the Competition; ",[],{"type":70,"text":1852,"spans":1853,"direction":73},"d) The immediate family members of persons referred to above; and Company Confidential ",[],{"type":70,"text":1855,"spans":1856,"direction":73},"e) Any other person directly involved in the administration or execution of the Competition. ",[],{"type":70,"text":1781,"spans":1858,"direction":73},[],{"type":70,"text":1860,"spans":1861,"direction":73},"4. How to enter ",[1862],{"start":28,"end":1863,"type":1756},16,{"type":70,"text":1781,"spans":1865,"direction":73},[],{"type":70,"text":1867,"spans":1868,"direction":73},"4.1 To enter, participants must submit a voice note via the instructions provided by Jacaranda FM during the Competition Period. ",[],{"type":70,"text":1870,"spans":1871,"direction":73},"4.2 The voice note must explain why Friday is the participant's day. ",[1872],{"start":705,"end":215,"type":1756},{"type":70,"text":1874,"spans":1875,"direction":73},"4.3 Entries must be original and submitted by the participants. ",[],{"type":70,"text":1877,"spans":1878,"direction":73},"4.4 Participants must follow all entry instructions provided by Miway and/or Jacaranda FM. ",[],{"type":70,"text":1880,"spans":1881,"direction":73},"4.5 Entries that are incomplete, illegible, corrupted, submitted through an unauthorised channel or received outside the Competition Period may be disqualified. ",[],{"type":70,"text":1781,"spans":1883,"direction":73},[],{"type":70,"text":1885,"spans":1886,"direction":73},"5. Entry requirements ",[1887],{"start":28,"end":1613,"type":1756},{"type":70,"text":1781,"spans":1889,"direction":73},[],{"type":70,"text":1891,"spans":1892,"direction":73},"5.1 Each voice note must: ",[],{"type":70,"text":1894,"spans":1895,"direction":73},"a) be the participant's original content; ",[],{"type":70,"text":1897,"spans":1898,"direction":73},"b) relate to the Friday Is MiDay theme; ",[],{"type":70,"text":1900,"spans":1901,"direction":73},"c) be suitable for public broadcast; ",[],{"type":70,"text":1903,"spans":1904,"direction":73},"d) not contain unlawful, defamatory, discriminatory, offensive, threatening, obscene or otherwise inappropriate content; and ",[],{"type":70,"text":1906,"spans":1907,"direction":73},"e) not infringe the intellectual property, privacy, publicity or other rights of any third party. ",[],{"type":70,"text":1909,"spans":1910,"direction":73},"5.2 Participants must not include confidential, sensitive or unnecessary personal information about themselves or another person in their voice note. ",[],{"type":70,"text":1912,"spans":1913,"direction":73},"5.4 Miway and/or Jacaranda FM reserve the right to reject or disqualify any entry that does not comply with these requirements. ",[],{"type":70,"text":1781,"spans":1915,"direction":73},[],{"type":70,"text":1917,"spans":1918,"direction":73},"6. Selection of entries ",[1919],{"start":28,"end":1920,"type":1756},24,{"type":70,"text":1781,"spans":1922,"direction":73},[],{"type":70,"text":1924,"spans":1925,"direction":73},"6.1 E Eligible entries will be assessed by an appointed judging panel based on creativity, originality, relevance to the Friday Is MiDay theme and suitability for broadcast. ",[],{"type":70,"text":1927,"spans":1928,"direction":73},"6.2 The Competition will award R1 000 (One Thousand Rand) to the selected winner for each applicable Friday during the Competition Period. ",[1929],{"start":1834,"end":214,"type":1756},{"type":70,"text":1931,"spans":1932,"direction":73},"6.3 I If the winner is verified as an active Miway policyholder at the time of winner verification, they will receive an additional R1 000 bringing your total winnings to R2000. ",[],{"type":70,"text":1934,"spans":1935,"direction":73},"6.4 The decision of the appointed judging/selection panel will be final and no correspondence will be entered into regarding the selection of winners, subject to applicable law. Company Confidential ",[],{"type":70,"text":1937,"spans":1938,"direction":73},"6.5 A participant may submit multiple entries, however only one prize may be awarded to the same individual during the Competition Period. ",[],{"type":70,"text":1781,"spans":1940,"direction":73},[],{"type":70,"text":1942,"spans":1943,"direction":73},"7. Prizes ",[1944],{"start":28,"end":1705,"type":1756},{"type":70,"text":1781,"spans":1946,"direction":73},[],{"type":70,"text":1948,"spans":1949,"direction":73},"7.1 Each applicable weekly prize consists of R1 000 (One Thousand Rand) cash. ",[1950],{"start":1951,"end":1952,"type":1756},45,76,{"type":70,"text":1954,"spans":1955,"direction":73},"7.2 The total Competition prize pool is R40 000 (Forty Thousand Rand). ",[1956],{"start":1957,"end":1958,"type":1756},40,69,{"type":70,"text":1960,"spans":1961,"direction":73},"7.3 No prize may be exchanged for another prize, transferred to another person or redeemed for its cash equivalent, other than where the prize itself is cash. ",[],{"type":70,"text":1963,"spans":1964,"direction":73},"7.4 Miway reserves the right, where reasonably necessary and subject to applicable law, to substitute a prize with another prize of equal or greater value. ",[],{"type":70,"text":1781,"spans":1966,"direction":73},[],{"type":70,"text":1968,"spans":1969,"direction":73},"8. Winner verification ",[1970],{"start":28,"end":27,"type":1756},{"type":70,"text":1781,"spans":1972,"direction":73},[],{"type":70,"text":1974,"spans":1975,"direction":73},"8.1 A potential winner will be contacted using the contact details supplied during entry. ",[],{"type":70,"text":1977,"spans":1978,"direction":73},"8.2 The potential winner may be required to provide reasonable documentation to verify their identity and eligibility. ",[],{"type":70,"text":1980,"spans":1981,"direction":73},"8.3 This may include: ",[],{"type":70,"text":1983,"spans":1984,"direction":73},"a) proof of identity; ",[],{"type":70,"text":1986,"spans":1987,"direction":73},"b) proof of contact details; ",[],{"type":70,"text":1989,"spans":1990,"direction":73},"c) banking confirmation; and/or ",[],{"type":70,"text":1992,"spans":1993,"direction":73},"d) any other reasonable documentation required to process the prize. ",[],{"type":70,"text":1995,"spans":1996,"direction":73},"8.4 Miway will not be responsible for a failure to contact a potential winner where the contact details provided are incorrect, incomplete or no longer valid. ",[],{"type":70,"text":1998,"spans":1999,"direction":73},"8.5 If a potential winner cannot be contacted, fails to provide the required verification information within 60 days and/or is found to be ineligible or otherwise fails to comply with these Terms and Conditions, their prize may be forfeited. ",[],{"type":70,"text":1781,"spans":2001,"direction":73},[],{"type":70,"text":2003,"spans":2004,"direction":73},"9. Prize payment ",[2005],{"start":28,"end":2006,"type":1756},17,{"type":70,"text":1781,"spans":2008,"direction":73},[],{"type":70,"text":2010,"spans":2011,"direction":73},"9.1 Once the winner has successfully completed the verification process, the prize will be paid into a valid bank account belonging to the winner, subject to the applicable payment process. ",[],{"type":70,"text":2013,"spans":2014,"direction":73},"9.2 Prize payment will be processed within 60 days after successful verification. Company Confidential ",[2015],{"start":44,"end":2016,"type":1756},51,{"type":70,"text":2018,"spans":2019,"direction":73},"9.3 Miway will not be responsible for delays caused by incorrect banking information, banking institutions or circumstances outside Miway's reasonable control. ",[],{"type":70,"text":1781,"spans":2021,"direction":73},[],{"type":70,"text":2023,"spans":2024,"direction":73},"10. Use of voice notes and publicity ",[2025],{"start":28,"end":1723,"type":1756},{"type":70,"text":1781,"spans":2027,"direction":73},[],{"type":70,"text":2029,"spans":2030,"direction":73},"10.1 By submitting an entry, the participant acknowledges that their voice note may be selected and played on Jacaranda FM as part of Friday Is MiDay. ",[],{"type":70,"text":2032,"spans":2033,"direction":73},"10.2The participant grants Miway and Jacaranda FM a non-exclusive, royalty-free, worldwide licence to use, reproduce, publish, broadcast and communicate the submitted voice note for purposes connected with the Competition and Friday Is MiDay, subject to applicable law. ",[],{"type":70,"text":2035,"spans":2036,"direction":73},"10.3 Such use may include broadcast on radio and publication on relevant digital and social media channels. ",[],{"type":70,"text":2038,"spans":2039,"direction":73},"10.4 Where a winner's name, voice, photograph or other identifying information is used for publicity purposes, the participant's consent will be obtained in accordance with applicable law and Miway's approved consent process. ",[],{"type":70,"text":1781,"spans":2041,"direction":73},[],{"type":70,"text":2043,"spans":2044,"direction":73},"11. Personal information ",[2045],{"start":28,"end":2046,"type":1756},25,{"type":70,"text":1781,"spans":2048,"direction":73},[],{"type":70,"text":2050,"spans":2051,"direction":73},"11.1 Miway will process participants' personal information for purposes including administering the Competition, verifying entries and winners, communicating with participants and facilitating prize payment. ",[],{"type":70,"text":2053,"spans":2054,"direction":73},"11.2 Participants' personal information will be processed in accordance with applicable data protection and privacy legislation and Miway's Privacy Policy, available at www.miway.co.za. ",[],{"type":70,"text":2056,"spans":2057,"direction":73},"11.3 Participants should not include unnecessary personal information relating to themselves or third parties in their voice notes. ",[],{"type":70,"text":1781,"spans":2059,"direction":73},[],{"type":70,"text":2061,"spans":2062,"direction":73},"12. Disqualification ",[2063],{"start":28,"end":2064,"type":1756},21,{"type":70,"text":1781,"spans":2066,"direction":73},[],{"type":70,"text":2068,"spans":2069,"direction":73},"12.1 Miway reserves the right to disqualify an entry if: ",[],{"type":70,"text":2071,"spans":2072,"direction":73},"a) the participant breaches these Terms and Conditions; ",[],{"type":70,"text":2074,"spans":2075,"direction":73},"b) the entry contains fraudulent, misleading or dishonest information; ",[],{"type":70,"text":2077,"spans":2078,"direction":73},"c) the participant attempts to manipulate or unfairly influence the Competition; ",[],{"type":70,"text":2080,"spans":2081,"direction":73},"d) the entry is not original; ",[],{"type":70,"text":2083,"spans":2084,"direction":73},"e) the participant is not eligible to enter; or ",[],{"type":70,"text":2086,"spans":2087,"direction":73},"f) the entry contains unlawful, offensive, defamatory, discriminatory or inappropriate content. Company Confidential ",[],{"type":70,"text":2089,"spans":2090,"direction":73},"12.2 Miway reserves the right to investigate suspected fraudulent or dishonest activity and to take appropriate action. ",[],{"type":70,"text":1781,"spans":2092,"direction":73},[],{"type":70,"text":2094,"spans":2095,"direction":73},"13. General ",[2096],{"start":28,"end":2097,"type":1756},12,{"type":70,"text":1781,"spans":2099,"direction":73},[],{"type":70,"text":2101,"spans":2102,"direction":73},"13.1 Participation in the Competition constitutes acceptance of these Terms and Conditions. ",[],{"type":70,"text":2104,"spans":2105,"direction":73},"13.2 Miway reserves the right to amend these Terms and Conditions where reasonably necessary, subject to applicable law. ",[],{"type":70,"text":2107,"spans":2108,"direction":73},"13.3 If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. ",[],{"type":70,"text":2110,"spans":2111,"direction":73},"13.4 Miway will not be liable for any technical failure, network interruption, telecommunications failure or other circumstance beyond its reasonable control that prevents a participant from entering the Competition. ",[],{"type":70,"text":2113,"spans":2114,"direction":73},"13.5 Miway is not responsible for entries that are lost, delayed, corrupted, incomplete or not successfully received for any reason. ",[],{"type":70,"text":2116,"spans":2117,"direction":73},"13.6 Miway's decision regarding the administration of the Competition and selection of winners will be final, subject to applicable law. ",[],{"type":70,"text":1781,"spans":2119,"direction":73},[],{"type":70,"text":2121,"spans":2122,"direction":73},"14. 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See more below",[2210],{"start":44,"end":2211,"type":1756},63,{"variation":1506,"version":1482,"items":2213,"primary":2214,"id":2158,"slice_type":2159,"slice_label":9},[],{"content":2215},[2216],{"heading":1774,"text":2217},[2218,2222,2231,2234,2237,2242,2246,2249,2253,2256,2259,2263,2268,2271,2275,2278,2281,2284,2287,2290,2293,2297,2302,2305,2308,2311,2314,2316,2320,2340,2343,2346,2352,2358,2361,2366,2377,2382,2385,2388,2391,2394,2398,2401,2404,2407,2410,2413,2418,2421,2424,2427,2430,2433,2436,2439,2442,2445,2448,2451,2455,2461,2464,2467,2470,2475],{"type":70,"text":2219,"spans":2220,"direction":73},"Competition Period",[2221],{"start":28,"end":1827,"type":1756},{"type":2223,"text":2224,"spans":2225,"direction":73},"o-list-item","The Competition will run from 1 September to 30 November 2026, forming part of the Micover Conversation campaign running from September to November 2026.",[2226,2228],{"start":2124,"end":2227,"type":1756},61,{"start":2229,"end":2230,"type":1756},126,152,{"type":2223,"text":2232,"spans":2233,"direction":73},"Entries received outside the applicable Competition Period will not be eligible.",[],{"type":2223,"text":2235,"spans":2236,"direction":73},"Prize draws will take place fortnightly during the Competition Period.",[],{"type":70,"text":2238,"spans":2239,"direction":73},"Eligibility",[2240],{"start":28,"end":2241,"type":1756},11,{"type":2223,"text":2243,"spans":2244,"direction":73},"The Competition is open to permanent residents and citizens of South Africa aged 18 years and older, unless otherwise stated.",[2245],{"start":2211,"end":1755,"type":1756},{"type":2223,"text":2247,"spans":2248,"direction":73},"To qualify for a chance to win, participants must: Participate in the relevant Micover Conversation social media activity by commenting, voting, debating or answering the weekly scenario; and Obtain an obligation free quote for the featured Miway insurance product during the applicable Competition Period.",[],{"type":2223,"text":2250,"spans":2251,"direction":73},"The featured insurance products must include Miway car, pet or home insurance.",[2252],{"start":1951,"end":1835,"type":1756},{"type":2223,"text":2254,"spans":2255,"direction":73},"Each qualifying interaction and obligation free quote must contain the entrants genuine information and completed by the entrant.",[],{"type":2223,"text":2257,"spans":2258,"direction":73},"Obtaining a quote does not guarantee that a participant will win a prize.",[],{"type":70,"text":2260,"spans":2261,"direction":73}," ",[2262],{"start":28,"end":29,"type":1756},{"type":70,"text":2264,"spans":2265,"direction":73},"Who is Not Eligible",[2266],{"start":28,"end":2267,"type":1756},19,{"type":70,"text":2269,"spans":2270,"direction":73},"The following individuals are not eligible to enter or win the Competition:",[],{"type":2272,"text":2273,"spans":2274,"direction":73},"list-item","Employees of Miway Insurance;",[],{"type":2272,"text":2276,"spans":2277,"direction":73},"Immediate family members of Miway employees, including spouses, partners, parents, children or siblings;",[],{"type":2272,"text":2279,"spans":2280,"direction":73},"Employees of Miway’s marketing, advertising, PR, media or digital agencies, including third-party service providers involved in the campaign;",[],{"type":2272,"text":2282,"spans":2283,"direction":73},"Any person directly involved in the administration, development or execution of the Competition; and",[],{"type":2272,"text":2285,"spans":2286,"direction":73},"Any other person prohibited from participating in promotional competitions in terms of applicable law.",[],{"type":70,"text":2288,"spans":2289,"direction":73},"The Promoter reserves the right to verify the eligibility of any participant at any time.",[],{"type":70,"text":2205,"spans":2291,"direction":73},[2292],{"start":28,"end":2097,"type":1756},{"type":2223,"text":2294,"spans":2295,"direction":73},"Participants must engage with the relevant Micover Conversation social media post by commenting, voting, debating or answering the featured scenario.",[2296],{"start":44,"end":2211,"type":1756},{"type":2223,"text":2298,"spans":2299,"direction":73},"Participants must then obtain a Miway insurance obligation free quote for the featured product during the applicable Competition Period.",[2300],{"start":705,"end":2301,"type":1756},94,{"type":2223,"text":2303,"spans":2304,"direction":73},"The featured product will vary throughout the campaign and may include: Car insurance; Pet insurance; or Home insurance.",[],{"type":2223,"text":2306,"spans":2307,"direction":73},"Participants must complete both the required social media engagement and quote action to qualify for a chance to win.",[],{"type":2223,"text":2309,"spans":2310,"direction":73},"A participant may participate in multiple Micover Conversation activities during the campaign, subject to the applicable entry requirements.",[],{"type":2223,"text":2312,"spans":2313,"direction":73},"All entries must be submitted using the participant's genuine details and must comply with these Terms and Conditions.",[],{"type":70,"text":1781,"spans":2315,"direction":73},[],{"type":70,"text":2317,"spans":2318,"direction":73},"Competition Mechanics",[2319],{"start":28,"end":2064,"type":1756},{"type":2223,"text":2321,"spans":2322,"direction":73},"The Micover Conversation campaign will run on a weekly social media rhythm, with: Monday: Car – Would You Claim That? Wednesday: Pet – Pet Court Friday: Home – What Would You Do?",[2323,2326,2329,2332,2335,2337],{"start":2324,"end":2325,"type":1756},82,89,{"start":2133,"end":2327,"type":2328},117,"em",{"start":2330,"end":2331,"type":1756},118,128,{"start":2333,"end":2334,"type":2328},135,144,{"start":2336,"end":2230,"type":1756},145,{"start":2338,"end":2339,"type":2328},160,178,{"type":2223,"text":2341,"spans":2342,"direction":73},"Participants are encouraged to comment, vote, debate and answer the relevant weekly scenario.",[],{"type":2223,"text":2344,"spans":2345,"direction":73},"Participants who complete the required engagement and obtain a qualifying Miway obligation free quote will stand a chance to win a prize.",[],{"type":2223,"text":2347,"spans":2348,"direction":73},"Prize winners will be selected through a random draw from all qualifying entries received during the relevant prize 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communication",[2380],{"start":156,"end":2381,"type":1756},90,{"type":2223,"text":2383,"spans":2384,"direction":73},"Prizes are not transferable, negotiable or redeemable for cash.",[],{"type":2223,"text":2386,"spans":2387,"direction":73},"A winner may not exchange a prize for another product, service or cash alternative.",[],{"type":2223,"text":2389,"spans":2390,"direction":73},"The Promoter reserves the right to substitute a prize with another prize of equal or greater value if circumstances outside its reasonable control make this necessary.",[],{"type":70,"text":2260,"spans":2392,"direction":73},[2393],{"start":28,"end":29,"type":1756},{"type":70,"text":2395,"spans":2396,"direction":73},"Winner Selection and Notification",[2397],{"start":28,"end":1009,"type":1756},{"type":2223,"text":2399,"spans":2400,"direction":73},"Winners will be selected by random draw following each applicable fortnightly prize period.",[],{"type":2223,"text":2402,"spans":2403,"direction":73},"Winners will be contacted using the contact details provided during the qualifying quote process and/or through the relevant social media platform, where applicable.",[],{"type":2223,"text":2405,"spans":2406,"direction":73},"Winners may be required to provide valid identification and/or other information reasonably required to verify their eligibility.",[],{"type":2223,"text":2408,"spans":2409,"direction":73},"If a selected winner cannot be contacted within a reasonable period, fails to meet the eligibility requirements, or is otherwise disqualified, the Promoter reserves the right to select an alternative winner.",[],{"type":2223,"text":2411,"spans":2412,"direction":73},"The Promoter reserves the right to withhold a prize where a selected participant cannot be verified as a valid entrant.",[],{"type":70,"text":2414,"spans":2415,"direction":73},"General",[2416],{"start":28,"end":2417,"type":1756},7,{"type":2223,"text":2419,"spans":2420,"direction":73},"The Promoter reserves the right to disqualify any 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being used in promotional material relating to the Competition, where applicable and subject to applicable law, without additional compensation.",[],{"type":2223,"text":2437,"spans":2438,"direction":73},"The Promoter's decision regarding the administration of the Competition, selection of winners and interpretation of these Terms and Conditions is final, subject to applicable law, and no correspondence will be entered into.",[],{"type":2223,"text":2440,"spans":2441,"direction":73},"The Competition is in no way sponsored, endorsed or administered by, or associated with, the social media platforms on which the Competition may be promoted.",[],{"type":2223,"text":2443,"spans":2444,"direction":73},"To the fullest extent permitted by law, the promoter shall not be liable for any loss, damage, injury or claim arising from participation in the Competition or acceptance or use of any prize.",[],{"type":2223,"text":2446,"spans":2447,"direction":73},"The Promoter reserves the right to remove 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We want to see your business grow, so we offer you solutions that serve each stage of your lifecycle, from start-up to seasoned pro. With cover for your premises, your people, your products and your vehicles.",[],[2587,2590,2593,2596],{"for_my_business_heading":996,"for_my_business_categories":2588},{"id":983,"type":686,"tags":2589,"lang":16,"slug":692,"first_publication_date":986,"last_publication_date":987,"uid":988,"link_type":393,"key":1564,"isBroken":395},[985,635],{"for_my_business_heading":1174,"for_my_business_categories":2591},{"id":1098,"type":686,"tags":2592,"lang":16,"slug":1100,"first_publication_date":1101,"last_publication_date":1102,"uid":1103,"link_type":393,"key":1568,"isBroken":395},[985,635],{"for_my_business_heading":1236,"for_my_business_categories":2594},{"id":1178,"type":686,"tags":2595,"lang":16,"slug":1180,"first_publication_date":1181,"last_publication_date":1181,"uid":1182,"link_type":393,"key":1572,"isBroken":395},[985,635],{"for_my_business_heading":916,"for_my_business_categories":2597},{"id":1240,"type":686,"tags":2598,"lang":16,"slug":825,"first_publication_date":1242,"last_publication_date":1243,"uid":1244,"link_type":393,"key":1576,"isBroken":395},[985,635],{"variation":1506,"version":1482,"items":2600,"primary":2601,"id":1582,"slice_type":1583,"slice_label":9},[],{},{"variation":1506,"version":1482,"items":2603,"primary":2604,"id":2613,"slice_type":2614,"slice_label":9},[],{"title":2605,"page_size":2155,"faqs":2606},"Business Insurance FAQs",{"id":2607,"type":496,"tags":2608,"lang":16,"slug":2609,"first_publication_date":2610,"last_publication_date":2610,"uid":2611,"link_type":393,"key":2612,"isBroken":395},"adfKeBIAACUAdVDT",[495],"business-insurance-faqs","2026-04-09T16:07:21+0000","faqs-business-insurance","b773d971-2da4-4f5e-a620-9a4b2439ad5c","faq_section$20de7abb-d5b5-492a-94aa-6e92c714b5cd","faq_section",{"variation":1506,"version":1482,"items":2616,"primary":2617,"id":1713,"slice_type":1714,"slice_label":9},[],{"heading":1712},"Business Insurance Quotes | Miway Business Insurance","Build your insurance based on what your business needs - whether you’re buying cover for your commercial vehicles, your building or office contents, we've got you covered.","business insurance, commercial insurance, truck insurance",{},{"link_type":35},{"id":2624,"uid":2625,"url":2626,"type":386,"href":2627,"tags":2628,"first_publication_date":2629,"last_publication_date":2630,"slugs":2631,"linked_documents":2633,"lang":16,"alternate_languages":2634,"data":2635},"ahifvRIAAC0ANtJk","r2000-dare-campaign-terms-of-use","/r2000-dare-campaign-terms-of-use","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ahifvRIAAC0ANtJk%22%29+%5D%5D",[],"2026-05-29T13:38:12+0000","2026-08-27T07:24:58+0000",[2632],"r2000-dare-campaign-terms-and-conditions",[],[],{"title":2636,"slices":2640,"meta_title":2943,"meta_description":2944,"meta_keywords":9,"meta_image":2945,"canonical":2948,"schema_page_type":1720},[2637],{"type":1487,"text":2638,"spans":2639,"direction":73},"R2,000 Dare Campaign Terms and Conditions",[],[2641,2665],{"variation":1745,"version":1482,"items":2642,"primary":2643,"id":1768,"slice_type":1504,"slice_label":9},[],{"heading":2638,"details":2644,"image":2655,"card":2662},[2645,2650],{"type":70,"text":2646,"spans":2647,"direction":73},"We'll beat your current premium! And if we can't? We'll pay you up to R2 000 — no fuss.",[2648],{"start":28,"end":2649,"type":1756},87,{"type":70,"text":2651,"spans":2652,"direction":73},"This campaign is run by Miway Insurance Limited, a licensed non-life insurer and authorised financial services provider (FSP 33970). Participating means you’ve read and agreed to everything below.",[2653],{"start":1920,"end":2654,"type":1756},47,{"dimensions":2656,"alt":9,"copyright":9,"url":2659,"id":2660,"edit":2661},{"width":2657,"height":2658},2880,1080,"https://images.prismic.io/miway-website/ahiXcbK9tuLqEPKY_DSM-580_Miway_Challenger_Campaign_Page_V3copy.webp?auto=format,compress","ahiXcbK9tuLqEPKY",{"x":28,"y":28,"zoom":29,"background":30},[2663],{"heading":9,"content":2664},[],{"variation":1506,"version":1482,"items":2666,"primary":2667,"id":2158,"slice_type":2159,"slice_label":9},[],{"content":2668},[2669],{"heading":1774,"text":2670},[2671,2675,2683,2686,2688,2692,2695,2704,2707,2710,2713,2716,2719,2722,2725,2728,2731,2734,2738,2741,2744,2747,2750,2753,2756,2759,2762,2765,2767,2769,2772,2775,2778,2780,2784,2787,2790,2793,2796,2799,2802,2805,2808,2811,2814,2816,2820,2823,2826,2829,2832,2835,2838,2841,2843,2847,2850,2853,2856,2859,2862,2868,2872,2875,2878,2881,2884,2887,2889,2893,2896,2899,2902,2905,2908,2911,2914,2917,2920,2923,2925,2929,2935,2940],{"type":70,"text":2672,"spans":2673,"direction":73},"1. Campaign Duration",[2674],{"start":28,"end":1722,"type":1756},{"type":70,"text":2676,"spans":2677,"direction":73},"1.1. This campaign will run from 1 June 2026 to 30 September 2026. Miway may extend the campaign period and/or adjust its terms and conditions at our discretion.",[2678,2680],{"start":1009,"end":2679,"type":1756},44,{"start":2681,"end":2682,"type":1756},48,65,{"type":70,"text":2684,"spans":2685,"direction":73},"1.2. Entries received outside of the campaign period will not be eligible.",[],{"type":70,"text":1781,"spans":2687,"direction":73},[],{"type":70,"text":2689,"spans":2690,"direction":73},"2.      How It Works",[2691],{"start":28,"end":1722,"type":1756},{"type":70,"text":2693,"spans":2694,"direction":73},"2.1.   The customer must get an obligation-free comprehensive car insurance          quote from Miway through the designated campaign platform.",[],{"type":70,"text":2696,"spans":2697,"direction":73},"2.2.   If our quote is not cheaper than what you’re currently paying, send                  your most recent comprehensive car insurance policy schedule to our             email address at DareUpdates@miway.co.za We will compare and                    validate  our quote and the schedule to assess the difference.",[2698],{"start":2699,"end":2700,"type":216,"data":2701},189,212,{"link_type":78,"url":2702,"target":2703},"DareUpdates@miway.co.za","_self",{"type":70,"text":2705,"spans":2706,"direction":73},"2.3.   We will assess premiums on a fair, like-for-like basis.  The following will           be taken into consideration:",[],{"type":2272,"text":2708,"spans":2709,"direction":73},"cover type;",[],{"type":2272,"text":2711,"spans":2712,"direction":73},"excess structure;",[],{"type":2272,"text":2714,"spans":2715,"direction":73},"car value and vehicle profile;",[],{"type":2272,"text":2717,"spans":2718,"direction":73},"rating and risk factors;",[],{"type":2272,"text":2720,"spans":2721,"direction":73},"regular drivers;",[],{"type":2272,"text":2723,"spans":2724,"direction":73},"additional benefits or add-ons.",[],{"type":70,"text":2726,"spans":2727,"direction":73},"2.4.      If Miway cannot beat your current comprehensive premium by                          offering you a lower premium, you will be awarded an amount equal to             the difference between your current car insurance premium and the                Miway quoted insurance premium for one month, up to the maximum              value of R2000 (Two Thousand Rand) in cash.",[],{"type":70,"text":2729,"spans":2730,"direction":73},"2.5.      Policies with a zero excess are not eligible for this campaign.",[],{"type":70,"text":2732,"spans":2733,"direction":73},"2.6.      We only make payment in cash once your quote has been validated,                and all supporting documents have been verified.",[],{"type":70,"text":2735,"spans":2736,"direction":73},"3.        Eligibility",[2737],{"start":28,"end":2064,"type":1756},{"type":70,"text":2739,"spans":2740,"direction":73},"To qualify for this campaign, you must:",[],{"type":70,"text":2742,"spans":2743,"direction":73},"3.1.       Be the regular driver of the vehicle.",[],{"type":70,"text":2745,"spans":2746,"direction":73},"3.2.      This campaign covers one vehicle per person.",[],{"type":70,"text":2748,"spans":2749,"direction":73},"3.3.      Request and receive an obligation-free comprehensive car insurance quote from Miway within the campaign period, either by calling Miway or by requesting a call-back via the Miway website.",[],{"type":70,"text":2751,"spans":2752,"direction":73},"3.4.      Be 18 years or older, and a South African citizen or permanent                          resident.",[],{"type":70,"text":2754,"spans":2755,"direction":73},"3.5.      Hold an active personal lines comprehensive car insurance policy.",[],{"type":70,"text":2757,"spans":2758,"direction":73},"3.6.      Have been on your existing policy for at least 30 consecutive days                   before the date of your Miway quote, and the schedule should not be              older than 30 days.",[],{"type":70,"text":2760,"spans":2761,"direction":73},"3.7.      Give us a current policy schedule that shows:",[],{"type":2272,"text":2763,"spans":2764,"direction":73},"your monthly premium;",[],{"type":2272,"text":2708,"spans":2766,"direction":73},[],{"type":2272,"text":2711,"spans":2768,"direction":73},[],{"type":2272,"text":2770,"spans":2771,"direction":73},"the insured vehicle’s details;",[],{"type":2272,"text":2773,"spans":2774,"direction":73},"the insurer’s name.",[],{"type":70,"text":2776,"spans":2777,"direction":73},"3.8.      Send all the required documents to us within 30 days of receiving                     your Miway quote.",[],{"type":70,"text":1781,"spans":2779,"direction":73},[],{"type":70,"text":2781,"spans":2782,"direction":73},"4.         Who’s Not Eligible",[2783],{"start":28,"end":2528,"type":1756},{"type":70,"text":2785,"spans":2786,"direction":73},"This campaign isn’t available to:",[],{"type":70,"text":2788,"spans":2789,"direction":73},"4.1.       Current Miway policyholders who already have an active car                              insurance policy with us.",[],{"type":70,"text":2791,"spans":2792,"direction":73},"4.2.      Anyone who requested a quote before the campaign start date and                  after the campaign end date.",[],{"type":70,"text":2794,"spans":2795,"direction":73},"4.3.       Quotes for Buildings, Home Contents and Value-Added Products.",[],{"type":70,"text":2797,"spans":2798,"direction":73},"4.4.      Quotes for Business Insurance.",[],{"type":70,"text":2800,"spans":2801,"direction":73},"4.5.      Anyone whose policy with Miway was cancelled by us or any other                   insurer, or by you, within the 6 months before participating in this                     campaign.",[],{"type":70,"text":2803,"spans":2804,"direction":73},"4.6.      Anyone who poses an unacceptable risk under Miway’s underwriting               criteria.",[],{"type":70,"text":2806,"spans":2807,"direction":73},"4.7.      Anyone who misses the documentation deadline or submits                               inaccurate, false or altered documents.",[],{"type":70,"text":2809,"spans":2810,"direction":73},"4.8.      Directors, staff, agents, consultants, immediate family to staff or                      contractors of Miway Insurance Limited, or any of its affiliated                           entities or campaign service providers.",[],{"type":70,"text":2812,"spans":2813,"direction":73},"4.9.      Quotes obtained through a third-party platform, price comparison                   website, or aggregator do not qualify. Only quotes sourced directly                  through the Miway website/platform will be accepted.",[],{"type":70,"text":1781,"spans":2815,"direction":73},[],{"type":70,"text":2817,"spans":2818,"direction":73},"5.      When We May Disqualify a Participant",[2819],{"start":28,"end":2679,"type":1756},{"type":70,"text":2821,"spans":2822,"direction":73},"Miway reserves the right to disqualify a participant if:",[],{"type":70,"text":2824,"spans":2825,"direction":73},"5.1.       Making payment would be unlawful under any applicable law,                            regulation, or directive.",[],{"type":70,"text":2827,"spans":2828,"direction":73},"5.2.      Fraud, dishonesty, or misrepresentation is involved — including but                  not limited to doctored documents, false information or inflated or                   inaccurate policy details.",[],{"type":70,"text":2830,"spans":2831,"direction":73},"5.3.      We have reasonable grounds to suspect abuse of the campaign, such             as but not limited to multiple entries and policies under different                       names or accounts.",[],{"type":70,"text":2833,"spans":2834,"direction":73},"5.4.      You haven’t followed these terms and conditions, or any related                        instructions issued by Miway.",[],{"type":70,"text":2836,"spans":2837,"direction":73},"5.5.      Participation or payment would breach any law, regulation, or internal              compliance rule.",[],{"type":70,"text":2839,"spans":2840,"direction":73},"5.6.      Miway reasonably concludes, in its sole discretion, that proceeding                 would carry reputational, legal or financial risk.",[],{"type":70,"text":1781,"spans":2842,"direction":73},[],{"type":70,"text":2844,"spans":2845,"direction":73},"6.        Documents You’ll Need",[2846],{"start":28,"end":1834,"type":1756},{"type":70,"text":2848,"spans":2849,"direction":73},"Send us all of the following within 30 days of receiving your Miway quote:",[],{"type":70,"text":2851,"spans":2852,"direction":73},"6.1.      Your current insurer’s comprehensive policy schedule — must be                     dated within the last 30 days of participation.",[],{"type":70,"text":2854,"spans":2855,"direction":73},"6.2.      Proof that your most recent premium has been paid, in your most                    recent bank statement (previous month).",[],{"type":70,"text":2857,"spans":2858,"direction":73},"6.3.      Bank account confirmation letter.",[],{"type":70,"text":2860,"spans":2861,"direction":73},"6.4.      Any additional documents we reasonably request to confirm your                     eligibility.",[],{"type":70,"text":2863,"spans":2864,"direction":73},"If you miss the 30-day window, you will forfeit the payment. There are no exceptions.",[2865,2867],{"start":28,"end":2866,"type":2328},85,{"start":28,"end":2866,"type":1756},{"type":70,"text":2869,"spans":2870,"direction":73},"7.         Payout to You",[2871],{"start":28,"end":1920,"type":1756},{"type":70,"text":2873,"spans":2874,"direction":73},"7.1.      If we can’t beat your premium on a like-for-like basis, we’ll pay you the            difference for one month of up to R2 000 (Two Thousand Rand) in                    cash.",[],{"type":70,"text":2876,"spans":2877,"direction":73},"7.2.      One payout per person, per campaign period, regardless of how many             vehicles you insure.",[],{"type":70,"text":2879,"spans":2880,"direction":73},"7.3.      Once we’ve verified your documents, we’ll process your payment                     within 30 business days.",[],{"type":70,"text":2882,"spans":2883,"direction":73},"7.4.      Delays caused by late or incomplete submissions are not Miway’s                     responsibility.",[],{"type":70,"text":2885,"spans":2886,"direction":73},"7.5.      If information you provide is incorrect it may slow things down — or                  disqualify you entirely.",[],{"type":70,"text":1781,"spans":2888,"direction":73},[],{"type":70,"text":2890,"spans":2891,"direction":73},"8.        General",[2892],{"start":28,"end":2006,"type":1756},{"type":70,"text":2894,"spans":2895,"direction":73},"8.1.     This campaign is exclusively for clients who request a quote directly                through the Miway website. It doesn’t apply to quotes arranged                        through brokers or intermediaries.",[],{"type":70,"text":2897,"spans":2898,"direction":73},"8.2.     Any costs you may incur beyond the payout are yours to cover. Miway             won’t reimburse expenses related to participating.",[],{"type":70,"text":2900,"spans":2901,"direction":73},"8.3.    You’re responsible for the accuracy of the documents you submit. If                 the information submitted by you turns out to be false or misleading,               you’ll be disqualified and may be excluded from future Miway                            campaigns.",[],{"type":70,"text":2903,"spans":2904,"direction":73},"8.4.     We may ask for more information to process your payout. If you don’t              provide us with a response within 30 days of your information being                requested, you may forfeit the payout. If you refuse to provide us with             the requested information or documentation within 30 days of being                requested, you will forfeit the payout.",[],{"type":70,"text":2906,"spans":2907,"direction":73},"8.5.     Miway may vary, pause or cancel this campaign, at any time without                notice. If that happens, you waive any rights arising from the                             campaign and won’t have recourse against Miway or its affiliates.",[],{"type":70,"text":2909,"spans":2910,"direction":73},"8.6.     Miway and its affiliates are not liable for any loss, damage, or                            expenses, direct or consequential, arising from your participation or                 use of a payout.",[],{"type":70,"text":2912,"spans":2913,"direction":73},"8.7.     These terms are governed by South African law.",[],{"type":70,"text":2915,"spans":2916,"direction":73},"8.8.     Miway’s decision on all matters relating to this campaign is final. No                 correspondence will be entered into.",[],{"type":70,"text":2918,"spans":2919,"direction":73},"8.9.     Your participation in this campaign and your acceptance of the payout             are your binding acceptance of the terms and conditions.",[],{"type":70,"text":2921,"spans":2922,"direction":73},"8.10.    You consent to receive marketing and/or campaign material from                      Miway. You are not in any way obliged to enter into a contract of                       insurance with Miway.",[],{"type":70,"text":1781,"spans":2924,"direction":73},[],{"type":70,"text":2926,"spans":2927,"direction":73},"9.       Data Privacy",[2928],{"start":28,"end":2064,"type":1756},{"type":70,"text":2930,"spans":2931,"direction":73},"9.1.     Personal information collected during the campaign will be processed             in accordance with the Protection of Personal Information Act                          (POPIA) and used solely for the administration of the campaign and                related Miway marketing purposes where consent has been provided.",[2932],{"start":2933,"end":2934,"type":1756},113,184,{"type":70,"text":2936,"spans":2937,"direction":73},"10.      Promoter",[2938],{"start":2939,"end":2006,"type":1756},9,{"type":70,"text":2941,"spans":2942,"direction":73},"10.1.   This Campaign is promoted by Miway Insurance, a licensed non-life                 insurer and Financial 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(\"Miway\", \"we\", \"us\", \"our\"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at info@miway.co.za.",[3316,3317,3319,3320],{"start":1835,"end":2324,"type":1756},{"start":3318,"end":1787,"type":1756},86,{"start":2373,"end":2301,"type":1756},{"start":3321,"end":3322,"type":1756},98,101,{"dimensions":3324,"alt":9,"copyright":9,"url":3327,"id":3328,"edit":3329},{"width":3325,"height":3326},1577,915,"https://images.prismic.io/miway-website/aFkcInfc4bHWimyU_Termsofuse.jpg?auto=format,compress","aFkcInfc4bHWimyU",{"x":28,"y":28,"zoom":29,"background":30},[3331],{"heading":3332,"content":3333},"Why we do this",[3334],{"type":70,"text":3335,"spans":3336,"direction":73},"This is to protect you as a consumer so you know what your rights and responsibilities are.",[],"hero_section$e0d9b548-0506-4fb8-8e6b-07b5d9a4cd1a",{"variation":1506,"version":1482,"items":3339,"primary":3340,"id":3754,"slice_type":2159,"slice_label":9},[],{"content":3341},[3342,3353,3374,3386,3413,3497,3557,3563,3575,3587,3593,3599,3626,3656,3662,3671,3677,3683,3689,3712,3730],{"heading":3343,"text":3344},"Why do we have the notice",[3345],{"type":70,"text":3346,"spans":3347,"direction":73},"This Privacy Notice describes how Miway, as part of the Santam Group collects, uses, discloses, retains, and protects your personal information, in accordance with the Protection of Personal Information Act (POPIA) and other relevant laws. The Privacy Notice applies to any website, application, form, document, product, or service that references this Privacy Notice. It also supplements any other privacy notices that may apply in respect of a Santam Group entity’s processing of personal information. Personal information transmitted to Miway will be treated in accordance with Miway’s Privacy Policy which can be accessed here.",[3348],{"start":3349,"end":3350,"type":216,"data":3351},626,630,{"link_type":78,"url":3352,"target":135},"https://www.miway.co.za/site_files/documents/Online_Privacy_Policy_FEB_2025.pdf",{"heading":3354,"text":3355},"How do we collect information",[3356,3359,3362,3365,3368,3371],{"type":70,"text":3357,"spans":3358,"direction":73},"We collect personal information about you and any other person whose details you provide to us in accordance with the relevant laws, either:",[],{"type":2272,"text":3360,"spans":3361,"direction":73},"Directly from you when you complete a product or service application form, electronically, telephonically, or by way of a hard copy;",[],{"type":2272,"text":3363,"spans":3364,"direction":73},"Indirectly from you when you interact with us electronically by way of our website, apps, or social media channels, which may include the collection of metadata (data about data);",[],{"type":2272,"text":3366,"spans":3367,"direction":73},"From employers and other contracted entities in the context of group insurance policies; and",[],{"type":2272,"text":3369,"spans":3370,"direction":73},"Where relevant, from third-party sources, such as other entities within Miway and the Santam Group, financial intermediaries that are representatives of Miway and the Santam Group entities or have intermediary agreements with Miway and Santam Group entities, public databases, data aggregators, other financial institutions, credit bureaus, and fraud prevention agencies.",[],{"type":70,"text":3372,"spans":3373,"direction":73},"Where we require personal information to provide you with our products and services, your failure to provide us with the necessary information will result in Miway being unable to provide you with our products and services. Where such services include financial advice, the appropriateness of the advice may be compromised if you do not provide complete and accurate information. You are responsible for informing Miway if your information changes.",[],{"heading":3375,"text":3376},"Collection of information by third parties",[3377,3380,3383],{"type":70,"text":3378,"spans":3379,"direction":73},"Owners or information system administrators of third-party websites that have links to the Miway website may collect personal information about you when you use these links. Miway does not control the collection or use of personal information by third parties and this Privacy Notice does not apply to third parties. Miway does not accept any responsibility or liability for third-party policies or your use of a third-party app, platform, or service.",[],{"type":70,"text":3381,"spans":3382,"direction":73},"Miway also uses certain social networking services such as Meta Platforms (Facebook), WhatsApp, Instagram, and X (Twitter) to communicate with the public and Miway clients. When you communicate with Miway through these services, that social networking service may collect your personal information for its own purposes. These services may track your use of our digital channels on those pages where the links are displayed. If you are logged into those services (including any Google service) while using our digital channels, their tracking will be associated with your profile with those service providers. These services have their own privacy policies, which are independent of Miway’s privacy policies and practices. Please ensure that you fully acquaint yourself with the terms of any such third-party privacy policies and practices.",[],{"type":70,"text":3384,"spans":3385,"direction":73},"Miway will only provide data to third-party information exchange services, for example, credit bureaus with your consent.",[],{"heading":3387,"text":3388},"What information do we collect",[3389,3392,3395,3398,3401,3404,3407,3410],{"type":70,"text":3390,"spans":3391,"direction":73},"POPIA defines personal information as \"information which relates to an identifiable, living, natural person, and where it is applicable, an identifiable, existing juristic person\". Your relationship with Miway as part of the Santam Group determines the exact nature of the personal information Miway processes, and the purpose for which such personal information is collected and used. The purpose for which your personal information is used can be found under \"How we Use your Information\" in this Privacy Notice. However, in many cases, if we are handling your personal information as part of our role as an insurer or as an agent for VAP providers, the personal information we may process includes the following:",[],{"type":2272,"text":3393,"spans":3394,"direction":73},"Information about you – for example, your name, identity number, age, gender, date of birth, nationality, and occupation (medical history and any existing conditions of each person insured may be collected depending on the entity you are interacting with in Miway and the respective insurance product). If you make a claim, we may also collect personal information from you about the claim and any relevant third parties. We acknowledge that information about your health is special personal information. Note that we will use that information strictly in accordance with applicable laws and for insurance purposes (including assessing the terms of the insurance contract, dealing with changes to the policy, and/or dealing with claims).",[],{"type":2272,"text":3396,"spans":3397,"direction":73},"Contact information – in some cases, for example, we may receive your email, address, phone number, and postal address.",[],{"type":2272,"text":3399,"spans":3400,"direction":73},"Online information – for example, cookies and IP address (your computer’s internet address), if you use our websites, apps, and/or social media channels, as well as approximate location data that may be obtained through GPS, Wi-Fi, or mobile network signals.",[],{"type":2272,"text":3402,"spans":3403,"direction":73},"Financial information – we may process information related to payments you make or receive in the context of an insurance policy or claim. We may process information regarding you in the context of providing financial advice and/or intermediary services.",[],{"type":2272,"text":3405,"spans":3406,"direction":73},"Contractual information – for example, details about the insurance policies you hold and with whom you hold them.",[],{"type":2272,"text":3408,"spans":3409,"direction":73},"Health information, where applicable, or medical-related issues relevant to a policy or a claim you have made.",[],{"type":70,"text":3411,"spans":3412,"direction":73},"In certain instances, we may need consent to process your personal information. If you give us your consent for a specific context, you are free to withdraw this consent at any time. Please note that where you have withdrawn your consent, this will not affect the processing that took place prior to such withdrawal, and it will not affect the processing of your personal information where consent is not required. You may refuse to provide us with your personal information for purposes of direct marketing, however, the supply of certain personal information may be mandatory in order to comply with regulatory and contractual requirements.",[],{"heading":3414,"text":3415},"How we use your information",[3416,3419,3422,3425,3428,3431,3434,3437,3440,3443,3446,3449,3452,3455,3458,3461,3464,3467,3470,3473,3476,3479,3482,3485,3488,3491,3494],{"type":70,"text":3417,"spans":3418,"direction":73},"We have certain regulatory obligations to process your personal information. We are also required by various laws to maintain a record of our dealings with clients.",[],{"type":70,"text":3420,"spans":3421,"direction":73},"For us to provide clients with the financial products and services they have requested and to notify them of important changes to such products and services, we may need to collect, use and disclose the personal information of clients, their representatives, controlling persons of entities, business contacts, staff of clients and service providers to third parties, including the Santam Group.",[],{"type":70,"text":3423,"spans":3424,"direction":73},"To the extent permissible under applicable laws, Miway may use your information:",[],{"type":2272,"text":3426,"spans":3427,"direction":73},"Where you have requested us to do so, to provide you with our financial products and services, and maintain our relationship with you;",[],{"type":2272,"text":3429,"spans":3430,"direction":73},"Where relevant, to provide you with financial advice and intermediary services;",[],{"type":2272,"text":3432,"spans":3433,"direction":73},"To consider, conclude, and administer your insurance application, which includes underwriting the risk to be insured;",[],{"type":2272,"text":3435,"spans":3436,"direction":73},"To execute a transaction in accordance with your request;",[],{"type":2272,"text":3438,"spans":3439,"direction":73},"To assess, check, and process claims;",[],{"type":2272,"text":3441,"spans":3442,"direction":73},"To meet our contractual obligations with you or take steps necessary for the conclusion of a contract with you;",[],{"type":2272,"text":3444,"spans":3445,"direction":73},"To comply with legislative and regulatory requirements, including codes of conduct and requirements, or requests of our regulators (including but not limited to the Financial Sector Conduct Authority and Prudential Authority);",[],{"type":2272,"text":3447,"spans":3448,"direction":73},"To undertake credit reference searches and/or verification;",[],{"type":2272,"text":3450,"spans":3451,"direction":73},"For the detection and prevention of unlawful activity, fraud, money laundering, and loss, including as part of party due diligence required under applicable laws and in terms of Miway Group policies;",[],{"type":2272,"text":3453,"spans":3454,"direction":73},"For purposes of online login and authorisation;",[],{"type":2272,"text":3456,"spans":3457,"direction":73},"Where relevant, to execute Miway’s and Santam Group’s strategic initiatives;",[],{"type":2272,"text":3459,"spans":3460,"direction":73},"Perform any risk analysis or for purposes of providing risk management services to you or our business in general;",[],{"type":2272,"text":3462,"spans":3463,"direction":73},"Record and/or monitor and have access to your telephone calls (i.e. voice recordings), correspondence, and electronic communications to/with us (or any of our employees, agents, or contractors) to accurately carry out your instructions and requests, to use as evidence and in the interests of crime prevention;",[],{"type":2272,"text":3465,"spans":3466,"direction":73},"In order to maintain the security of our digital channels and systems;",[],{"type":2272,"text":3468,"spans":3469,"direction":73},"For data analysis, statistical analysis, and research purposes;",[],{"type":2272,"text":3471,"spans":3472,"direction":73},"For behavioural data analysis, tracing, and profiling;",[],{"type":2272,"text":3474,"spans":3475,"direction":73},"For audit and record-keeping purposes;",[],{"type":2272,"text":3477,"spans":3478,"direction":73},"For purposes of proof and/or use in legal proceedings;",[],{"type":2272,"text":3480,"spans":3481,"direction":73},"To enhance your experience when interacting with Miway and to help us improve our offerings to you;",[],{"type":2272,"text":3483,"spans":3484,"direction":73},"Provided you have consented, Miway may share with other entities within the Miway Group and the Santam Group, with the aim of offering you the opportunity to take up some of the financial products to fulfil your needs, provided that you have not objected to receiving such marketing;",[],{"type":2272,"text":3486,"spans":3487,"direction":73},"Conduct market research and provide you with information about our products and services from time to time via email, telephone, or other means (for example, invite you to events);",[],{"type":2272,"text":3489,"spans":3490,"direction":73},"Process your marketing preferences (where you have unsubscribed from certain direct marketing communications, keeping a record of your information and request to ensure that we do not send such direct marketing to you again);",[],{"type":2272,"text":3492,"spans":3493,"direction":73},"Prevent or control the spread of any disease; and",[],{"type":2272,"text":3495,"spans":3496,"direction":73},"For any further processing required that is compatible with the above.",[],{"heading":3498,"text":3499},"Sharing your information",[3500,3503,3506,3509,3512,3515,3518,3521,3524,3527,3530,3533,3536,3539,3542,3545,3548,3551,3554],{"type":70,"text":3501,"spans":3502,"direction":73},"Miway will only share your personal information with third parties, including the Santam Group, if there is a legitimate interest to do so, upon a legitimate interest assessment conducted by Miway. We may disclose the personal information you provide to us to:",[],{"type":2272,"text":3504,"spans":3505,"direction":73},"Our third-party service providers and other Miway Group and Santam Group entities who are involved in the delivery and/or administration of financial advice, products, and services;",[],{"type":2272,"text":3507,"spans":3508,"direction":73},"Other third parties in relation to the purposes set out under the previous section (How we use your information);",[],{"type":2272,"text":3510,"spans":3511,"direction":73},"Other insurers, public bodies, and law enforcement (either directly or through shared databases) for fraud detection and prevention; and",[],{"type":2272,"text":3513,"spans":3514,"direction":73},"Reinsurers who provide reinsurance services to the Miway Group and to each other. Reinsurers will use your personal information to decide whether to provide reinsurance cover, assess and deal with reinsurance claims, and to meet legal obligations.",[],{"type":70,"text":3516,"spans":3517,"direction":73},"Where applicable, Miway will process and share your personal information with other companies within the Miway Group and the Santam Group for the purpose of facilitating your membership and providing benefits to a loyalty or rewards programme. Your personal information may also be shared with third-party suppliers from time to time for the purpose of facilitating and providing benefits to you by way of a loyalty or rewards programme or when needed to fulfil our contractual obligations to you.",[],{"type":70,"text":3519,"spans":3520,"direction":73},"Miway will not sell, rent, or trade your personal information to any third party. Miway may share information about you with advisers that are Miway Group and Santam Group representatives or have intermediary agreements with Miway, subject to obtaining your consent. Miway may also share information within the Miway Group and the Santam Group where it is in Miway's legitimate interest to do so.",[],{"type":70,"text":3522,"spans":3523,"direction":73},"Miway will disclose information when lawfully required to do so:",[],{"type":2272,"text":3525,"spans":3526,"direction":73},"To comply with any relevant legislation;",[],{"type":2272,"text":3528,"spans":3529,"direction":73},"To comply with any legal process; and",[],{"type":2272,"text":3531,"spans":3532,"direction":73},"By any regulatory authority (for example, the Financial Sector Conduct Authority or Prudential Authority).",[],{"type":70,"text":3534,"spans":3535,"direction":73},"On occasion, Miway – for legitimate purposes – share aggregated information with its stakeholders and business partners (for example, demographic data) in a manner that does not identify the persons to whom the information applies. However, Miway will not disclose your personal information to third parties unless there is a valid processing ground as set out in section 11 of POPIA.",[],{"type":70,"text":3537,"spans":3538,"direction":73},"Section 11(1) states that personal information may only be processed if:",[],{"type":2272,"text":3540,"spans":3541,"direction":73},"the data subject consented; or",[],{"type":2272,"text":3543,"spans":3544,"direction":73},"processing is necessary to carry out actions for the conclusion or performance of a contract to which the data subject is party; or",[],{"type":2272,"text":3546,"spans":3547,"direction":73},"processing complies with an obligation imposed by law on the responsible party; or",[],{"type":2272,"text":3549,"spans":3550,"direction":73},"processing protects a legitimate interest of the data subject; or",[],{"type":2272,"text":3552,"spans":3553,"direction":73},"processing is necessary for the proper performance of a public law duty by a public body; or",[],{"type":2272,"text":3555,"spans":3556,"direction":73},"processing is necessary for pursuing the legitimate interests of the responsible party or of a third party to whom the information is supplied.",[],{"heading":3558,"text":3559},"Transfer across borders",[3560],{"type":70,"text":3561,"spans":3562,"direction":73},"Some of the persons to whom we disclose your personal information may be situated outside of the Republic of South Africa (RSA) in jurisdictions that may not have similar data protection laws to the RSA. In this regard, we may send your personal information to service providers outside of the RSA for storage or processing on Miway’s behalf. We will not send your information to a country that does not have information protection legislation similar to that of the RSA unless we have ensured that the recipient agrees to effectively adhere to the principles for processing information in accordance with POPIA.",[],{"heading":3564,"text":3565},"Security of Information",[3566,3569,3572],{"type":70,"text":3567,"spans":3568,"direction":73},"Miway protects the integrity and confidentiality of your personal information. Miway has implemented appropriate technical and organisational information security measures to keep your information secure, accurate, current, and complete. Miway will take reasonable steps to safeguard the security of the information you transmit to us online.",[],{"type":70,"text":3570,"spans":3571,"direction":73},"Where third parties are required to process your personal information in relation to the purposes set out in this notice and for other lawful requirements, we ensure that they are contractually bound to apply the appropriate security practices.",[],{"type":70,"text":3573,"spans":3574,"direction":73},"Your personal information will be held and used for as long as permitted for legal, regulatory, fraud prevention, and legitimate business purposes, and where Miway no longer requires the use of your information, it will be securely anonymised.",[],{"heading":3576,"text":3577},"Right of access to information",[3578],{"type":70,"text":3579,"spans":3580,"direction":73},"The Promotion of Access to Information Act (PAIA), coupled with POPIA, offers a data subject the right to access information held by a public or private body in certain instances. This right can be exercised in accordance with the procedure outlined in Miway’s PAIA manual. The PAIA manual applicable to Miway can be found here.",[3581,3586],{"start":3582,"end":3583,"type":216,"data":3584},323,327,{"link_type":78,"url":3585,"target":135},"http://www.miway.co.za/site_files/documents/Miway_PAIA_Manual_2024_Final.pdf",{"start":3582,"end":3583,"type":1756},{"heading":3588,"text":3589},"Correction of your information",[3590],{"type":70,"text":3591,"spans":3592,"direction":73},"In accordance with POPIA, you have a right to correct any of your personal information held by Miway. This right should be exercised in accordance with the procedure outlined in their respective PAIA manuals..",[],{"heading":3594,"text":3595},"Objection for processing your own information",[3596],{"type":70,"text":3597,"spans":3598,"direction":73},"In accordance with POPIA, you may object to our processing of your personal information on reasonable grounds relating to your particular situation, unless legislation provides for such processing.",[],{"heading":3600,"text":3601},"Marketing",[3602,3605,3608,3623],{"type":70,"text":3603,"spans":3604,"direction":73},"In terms of section 69 (1) and (2), but subject to section 69 (3) of POPIA, the processing of your personal information for the purpose of direct marketing by means of any form of electronic communication, including automatic calling machines, facsimile machines, SMSs or e-mail is prohibited unless written consent to the processing is given by you. We may only approach you once for your consent.",[],{"type":70,"text":3606,"spans":3607,"direction":73},"\"Processing\" is as defined in section 1 of POPIA.",[],{"type":70,"text":3609,"spans":3610,"direction":73},"Where you provide your personal information to Miway in the context of a sale of one of our products or services, you agree to such Miway sending you information on news, trends, services, events and promotions for our own similar products and/or services, always subject to your right to opt-out of receiving such direct marketing at the time your information is collected and on each subsequent marketing communication thereafter. Miway maintains its own opt-out procedure. You may object to receiving direct marketing from Miway at any time by contacting Miway on 0860 64 64 64, emailing informationofficer@miway.co.za or sending a request to Personal Information Request.",[3611,3616,3617,3622],{"start":3612,"end":3613,"type":216,"data":3614},591,621,{"link_type":78,"url":3615,"target":135},"mailto:informationofficer@miway.co.za",{"start":3612,"end":3613,"type":1756},{"start":3618,"end":3619,"type":216,"data":3620},646,674,{"link_type":78,"url":3621,"target":135},"https://forms.office.com/r/UbQETv77kV",{"start":3618,"end":3619,"type":1756},{"type":70,"text":3624,"spans":3625,"direction":73},"Where you choose to exercise your right to opt out of direct marketing, please allow up to 3–5 business days for Miway to effect that change.",[],{"heading":3627,"text":3628},"Clickstream data",[3629,3632,3635,3638,3641,3644,3647,3650,3653],{"type":70,"text":3630,"spans":3631,"direction":73},"In the interests of better customer service, Miway may collect anonymous information from visitors to its websites. For example, Miway keeps track of the domains from which people visit its website and also measures visitor activity on its website. In the process, Miway ensures the information cannot be used to identify you. This information is sometimes known as \"clickstream data\". Miway or its analytics vendors (including Google Analytics) may use this data to analyse trends and statistics and to provide better customer service.",[],{"type":70,"text":3633,"spans":3634,"direction":73},"The information, referred to as traffic data, which may be collected includes:",[],{"type":2272,"text":3636,"spans":3637,"direction":73},"Your IP address;",[],{"type":2272,"text":3639,"spans":3640,"direction":73},"The search terms you have used;",[],{"type":2272,"text":3642,"spans":3643,"direction":73},"The pages accessed on the website and the links you’ve clicked on;",[],{"type":2272,"text":3645,"spans":3646,"direction":73},"The date and time you visited the website;",[],{"type":2272,"text":3648,"spans":3649,"direction":73},"The referring website (if any) through which you clicked through to our website; and",[],{"type":2272,"text":3651,"spans":3652,"direction":73},"The type of website browser you use.",[],{"type":70,"text":3654,"spans":3655,"direction":73},"As mentioned, the traffic data is aggregated and not personally identifiable and our website analysis will also respect any ‘do not track’ setting you might have on your web browser.",[],{"heading":3657,"text":3658},"Cookies",[3659],{"type":70,"text":3660,"spans":3661,"direction":73},"A cookie is a small text file that is downloaded onto ‘terminal equipment’ (e.g. a computer or smartphone) when you access a website. It allows the website to recognize your device and store some information about your preferences or past actions.",[],{"heading":3663,"text":3664},"What cookies do we use",[3665,3668],{"type":70,"text":3666,"spans":3667,"direction":73},"Some cookies which we use are essential to the functioning of our website. Some cookies help us with the performance and design of our website. This allows us to measure how many times a page has been visited, whether a page has been visited on the website through an advertisement or by other means. Other cookies help us to remember your settings which you may have selected or assist with other functionality when you browse and use our website. This helps us to remember what you have selected, so on your return visit – we remember your preferences. On certain pages of the website, we use cookies to help us understand your interests as you browse the internet, so we can tailor and render to you more personalised content and services in the future. This assists us in delivering relevant advertising to you during various advertising campaigns we may run from time to time through participating third-party sites.",[],{"type":70,"text":3669,"spans":3670,"direction":73},"In addition, we also use cookies on certain pages of our website to communicate with third-party data suppliers to extrapolate your digital behaviour. This helps us to understand and target more relevant advertising in the future. The information we receive is all aggregate and anonymous, but will include statistics such as demographics, online behaviour, product interests and lifestyle.",[],{"heading":3672,"text":3673},"How do I disable cookies",[3674],{"type":70,"text":3675,"spans":3676,"direction":73},"If you do not want to receive a cookie from the website, you have the option of setting your browser to notify you when you receive a cookie, so that you may determine whether to accept it or not. However, please be aware that if you do turn off 'cookies' in your browser, you will not be able to fully experience some of the features of the website. For example, you will not be able to benefit from automatic log-on and other personalisation features.",[],{"heading":3678,"text":3679},"Children",[3680],{"type":70,"text":3681,"spans":3682,"direction":73},"Miway is committed to complying with all applicable laws aimed at the protection of children, and particularly the protection of their personal information.",[],{"heading":3684,"text":3685},"Updates",[3686],{"type":70,"text":3687,"spans":3688,"direction":73},"This Privacy Notice was last updated in February 2025. This section will be updated whenever the Privacy Notice is materially changed. 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(\"Miway\", \"we\", \"us\", \"our\"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our practices with regards to your personal information, please contact us at info@miway.co.za..",[4105,4106,4107,4108],{"start":1835,"end":2324,"type":1756},{"start":3318,"end":1787,"type":1756},{"start":2373,"end":2301,"type":1756},{"start":3321,"end":3322,"type":1756},{"dimensions":4110,"alt":9,"copyright":9,"url":3327,"id":3328,"edit":4111},{"width":3325,"height":3326},{"x":28,"y":28,"zoom":29,"background":30},[4113],{"heading":3332,"content":4114},[4115],{"type":70,"text":3335,"spans":4116,"direction":73},[],{"variation":1506,"version":1482,"items":4118,"primary":4119,"id":3754,"slice_type":2159,"slice_label":9},[],{"content":4120},[4121,4130,4163,4178,4186,4204,4260,4300,4304,4312,4319,4323,4327,4343,4363,4367,4373,4377,4381,4385,4400,4411],{"heading":3343,"text":4122},[4123],{"type":70,"text":4124,"spans":4125,"direction":73},"This Privacy Notice describes how Miway, as part of the Santam Group collects, uses, discloses, retains, and protects your personal information, in accordance with the Protection of Personal Information Act (POPIA) and other relevant laws. The Privacy Notice applies to any website, application, form, document, product, or service that references this Privacy Notice. It also supplements any other privacy notices that may apply in respect of a Santam Group entity’s processing of personal information. Personal information transmitted to Miway will be treated in accordance with Miway’s Privacy Policy which can be accessed here.",[4126,4129],{"start":3349,"end":3350,"type":216,"data":4127},{"link_type":78,"url":4128,"target":135},"https://www.miway.co.za/site_files/documents/Online_Privacy_Policy_Sept_2018_FINAL.pdf",{"start":3349,"end":3350,"type":1756},{"heading":3354,"text":4131},[4132,4135,4138,4141,4144,4147,4150,4153,4161],{"type":2272,"text":4133,"spans":4134,"direction":73},"In order to access your profile on the website, you must register a profile. Use of the website includes, but is not limited to, requesting and completing a quotation and accepting a quotation and therefore entering into an InsurancePolicy with Miway.",[],{"type":2272,"text":4136,"spans":4137,"direction":73},"You acknowledge and accept that you must provide true and complete information on the website at all times. If any information changes, you will need to update your profile on this website.",[],{"type":2272,"text":4139,"spans":4140,"direction":73},"If you have an InsurancePolicy with Miway, the current status of your cover appears in your profile on the website and on your Coversheet (policy schedule),a copy of which is also stored in your profile on the website. By using this website, you consent to receiving important information, documents and correspondence electronically.",[],{"type":2272,"text":4142,"spans":4143,"direction":73},"If there is any conflict between the Coversheet, FAIS Disclosure Notice or PolicyWording(“policy documents”)and these Terms of Use, the policy documents will always take priority.",[],{"type":2272,"text":4145,"spans":4146,"direction":73},"When accessing your profile on Miway’s website, always keep your login details safe and confidential. This will ensure that nobody can access your information without the necessary authorisation to do so.",[],{"type":2272,"text":4148,"spans":4149,"direction":73},"All information is viewed, downloaded or printed for personal use only.",[],{"type":2272,"text":4151,"spans":4152,"direction":73},"All copyright and intellectual property rights to all content on this website is owned by and vests in Miway–including logos, other graphics and multimedia elements. If you would like to use any information from this website, you must credit Miway clearly.",[],{"type":2272,"text":4154,"spans":4155,"direction":73},"Never use any of Miway’s trademarks without Miway’s prior written consent.This includes linking to this website in any way, if you believe you have a valid case, send us an email to marketing@miway.co.za and depending on our relationship and business strategy, we may agree or not. 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You must follow the prompts and submit all required information honestly, accurately and in full to obtain a quote from the Company.",[4487],{"start":3725,"end":1754,"type":1756},{"type":70,"text":4489,"spans":4490,"direction":73},"2.3 Once you have provided all necessary information, the Company will assess the risk, subject to the Company’s underwriting criteria and business rules and provide you with a formal quote.",[4491],{"start":4492,"end":4493,"type":1756},177,190,{"type":70,"text":4495,"spans":4496,"direction":73},"2.4 If you successfully complete a valid quote with the Company in respect of a comprehensive non-life personal lines or commercial lines insurance product, you may become eligible to receive a R400 (four hundred rand) voucher (“Voucher”), subject to these Terms and Conditions.",[4497,4499],{"start":4498,"end":3746,"type":1756},35,{"start":4500,"end":4501,"type":1756},194,236,{"type":70,"text":4503,"spans":4504,"direction":73},"2.5 This is not a referral campaign. 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Voucher Award and Conditions",[4569],{"start":28,"end":1834,"type":1756},{"type":70,"text":4571,"spans":4572,"direction":73},"6.1 You may receive a Voucher for your valid quote, subject to availability of vouchers; a maximum of one Voucher per person; and compliance with these Terms and Conditions.",[4573,4574],{"start":2474,"end":2267,"type":1756},{"start":4575,"end":4463,"type":1756},102,{"type":70,"text":4577,"spans":4578,"direction":73},"6.2 The Voucher will be to the value of R400 (four hundred rand), issued via 6Dot50 within 36 (thirty-six) business hours after a valid quote is issued.",[4579],{"start":1957,"end":2679,"type":1756},{"type":70,"text":4581,"spans":4582,"direction":73},"6.3 The type of Voucher, issuing mechanism and participating retailers are determined by the Company in its sole discretion and may change without notice.",[],{"type":70,"text":4584,"spans":4585,"direction":73},"6.4 The Voucher is non-transferable, cannot be exchanged for cash or any other consideration; and may be subject to separate third-party terms and conditions, which you must comply with.",[4586,4587],{"start":2267,"end":2682,"type":1756},{"start":2376,"end":4588,"type":1756},157,{"type":70,"text":4590,"spans":4591,"direction":73},"6.5 The Company is not responsible for lost, deleted, stolen, expired or damaged vouchers or any failure by you to redeem the voucher before its expiry date.",[],{"type":70,"text":4593,"spans":4594,"direction":73},"7. 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WhatsApp and Data Costs",[4658],{"start":28,"end":4531,"type":1756},{"type":70,"text":4660,"spans":4661,"direction":73},"10.1 Standard data and messaging charges may apply when using WhatsApp. These are for your own account and are charged by your network provider.",[4662],{"start":3949,"end":1957,"type":1756},{"type":70,"text":4664,"spans":4665,"direction":73},"10.2 The campaign is in no way sponsored, endorsed, administered by, or associated with WhatsApp. You acknowledge that you use WhatsApp at your own risk.",[4666],{"start":1787,"end":4667,"type":1756},97,{"type":70,"text":4669,"spans":4670,"direction":73},"11. Limitation of Liability",[4671],{"start":28,"end":4531,"type":1756},{"type":70,"text":4673,"spans":4674,"direction":73},"11.1 To the fullest extent permitted by law, the Company and the Lead Partner and their directors, employees, agents and contractors will not be liable for any loss, damage, claim or expense of any nature arising out of or in connection with this campaign or the Voucher, including but not limited to any network, system or technical failures; any delayed, lost or misdirected communications; any failure or delay in the issuance or delivery of vouchers; or indirect, consequential or special damages.",[4675],{"start":4676,"end":4677,"type":1756},138,151,{"type":70,"text":4679,"spans":4680,"direction":73},"12. 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General",[4692],{"start":28,"end":2241,"type":1756},{"type":70,"text":4694,"spans":4695,"direction":73},"13.1 Your participation in the campaign constitutes your acceptance of these Terms and Conditions.",[],{"type":70,"text":4697,"spans":4698,"direction":73},"13.2 These Terms and Conditions are governed by the laws of the Republic of South Africa, and any disputes will be subject to the jurisdiction of the South African courts.",[4699],{"start":2131,"end":2325,"type":1756},{"type":70,"text":4701,"spans":4702,"direction":73},"13.3 If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.",[],{"type":70,"text":4704,"spans":4705,"direction":73},"13.4 For any queries relating to the campaign, please contact dealership@miway.co.za.",[],"page_content$8b36011a-6a5c-492f-8f7c-e22e665c793e","These Ts and Cs map out all the rules and guidelines for the Miway Point S Campaign","Point S Miway",{},{"link_type":35},{"id":4712,"uid":4713,"url":4714,"type":386,"href":4715,"tags":4716,"first_publication_date":4717,"last_publication_date":4717,"slugs":4718,"linked_documents":4719,"lang":16,"alternate_languages":4720,"data":4721},"aZWNCRAAACAAY3TY","email-disclaimer","/email-disclaimer","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aZWNCRAAACAAY3TY%22%29+%5D%5D",[],"2026-02-18T10:06:21+0000",[4713],[],[],{"title":4722,"slices":4726,"meta_title":548,"meta_description":3335,"meta_keywords":9,"meta_image":4778,"canonical":4781,"schema_page_type":1720},[4723],{"type":1487,"text":4724,"spans":4725,"direction":73},"Email Disclaimer",[],[4727,4738],{"variation":1745,"version":1482,"items":4728,"primary":4729,"id":3337,"slice_type":1504,"slice_label":9},[],{"heading":4724,"details":4730,"image":4734,"card":4737},[4731],{"type":70,"text":4732,"spans":4733,"direction":73},"Emails sent by Miway contain privileged or confidential information and may be subject to legal privilege. Emails and any files transmitted with them are intended solely for the use of the individual or entity to whom they are addressed. Access to e-mails by anyone other than the intended individual or entity is therefore strictly prohibited",[],{"dimensions":4735,"alt":9,"copyright":9,"url":3327,"id":3328,"edit":4736},{"width":3325,"height":3326},{"x":28,"y":28,"zoom":29,"background":30},[],{"variation":1506,"version":1482,"items":4739,"primary":4740,"id":3754,"slice_type":2159,"slice_label":9},[],{"content":4741},[4742],{"heading":9,"text":4743},[4744,4754,4757,4761,4764,4767,4770,4773,4776],{"type":70,"text":4745,"spans":4746,"direction":73},"If you receive an email in error, please notify Miway immediately by sending an email to info@miway.co.za or informationofficer@miway.co.za.",[4747,4750],{"start":2325,"end":4475,"type":216,"data":4748},{"link_type":78,"url":4749,"target":135},"mailto:info@miway.co.za",{"start":4751,"end":4752,"type":216,"data":4753},109,139,{"link_type":78,"url":3615,"target":135},{"type":70,"text":4755,"spans":4756,"direction":73},"If you are not the intended recipient, you are notified that disclosing, copying, distributing, or taking any action in reliance on the contents of this information is strictly prohibited. ",[],{"type":70,"text":4758,"spans":4759,"direction":73},"Important ‘legal bits’ notice:",[4760],{"start":28,"end":2124,"type":1756},{"type":70,"text":4762,"spans":4763,"direction":73},"Although we endeavor to maintain a virus-free network, Miway cannot be held liable for any harm or loss due to viruses or similar malicious software that might have attached themselves to this message.",[],{"type":70,"text":4765,"spans":4766,"direction":73},"If ever needed, Miway reserves the right to intercept, monitor, copy (retain), or block email messages to and from Miway. So watch what you say!",[],{"type":70,"text":4768,"spans":4769,"direction":73},"That also means that the views and opinions of the individuals expressed in this email may not reflect the views and opinions of Miway or its Directors.",[],{"type":70,"text":4771,"spans":4772,"direction":73},"We are a truly South African company and therefore do not condone derogatory, defamatory, or offensive statements or materials. Please let us know if you think this message contains any of these unsavory bits, and we will take serious action to make sure this does not happen again – and please note that any such behaviour is not the Miway way of doing things and thus seen as the individual acting outside of their scope of employment. The result: Miway is under no circumstances liable for any consequences of this behaviour.",[],{"type":70,"text":4774,"spans":4775,"direction":73},"Our business is based in South Africa and therefore we, and all our business practices, including email, is governed by the laws of the Republic of South Africa.",[],{"type":70,"text":1781,"spans":4777,"direction":73},[],{"dimensions":4779,"alt":3757,"copyright":9,"url":3758,"id":3759,"edit":4780},{"width":22,"height":23},{"x":28,"y":44,"zoom":29,"background":30},{"link_type":35},{"id":385,"uid":391,"url":392,"type":386,"href":4783,"tags":4784,"first_publication_date":389,"last_publication_date":390,"slugs":4785,"linked_documents":4786,"lang":16,"alternate_languages":4787,"data":4788},"https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22ZyHurhIAACkAhiRa%22%29+%5D%5D",[],[388],[],[],{"title":4789,"slices":4792,"meta_title":383,"meta_description":383,"meta_keywords":383,"meta_image":4983,"canonical":4984,"schema_page_type":1720},[4790],{"type":1487,"text":383,"spans":4791,"direction":73},[],[4793,4842,4906,4918,4961,4966,4971],{"variation":4794,"version":1482,"items":4795,"primary":4796,"id":4841,"slice_type":1504,"slice_label":9},"contactHeader",[],{"heading":4797,"details":4801,"image":4805,"floating_chips":4811},[4798],{"type":1487,"text":4799,"spans":4800,"direction":73},"Need help? 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",[],{"dimensions":4806,"alt":9,"copyright":9,"url":4808,"id":4809,"edit":4810},{"width":1590,"height":4807},849,"https://images.prismic.io/miway-website/aFkM83fc4bHWiml7_Contactusheader.jpg?auto=format,compress","aFkM83fc4bHWiml7",{"x":28,"y":28,"zoom":29,"background":30},[4812,4820,4826,4834],{"icon":4813,"heading":50,"text":4818,"type":4819},{"dimensions":4814,"alt":9,"copyright":9,"url":4815,"id":4816,"edit":4817},{"width":118,"height":118},"https://miway-website.cdn.prismic.io/miway-website/Z06tVpbqstJ97-Wk_Group.svg?auto=compress,format","Z06tVpbqstJ97-Wk",{"x":28,"y":29,"zoom":29,"background":30},"0860 64 64 64","Phone",{"icon":4821,"heading":40,"text":41,"type":4819},{"dimensions":4822,"alt":9,"copyright":9,"url":4823,"id":4824,"edit":4825},{"width":118,"height":118},"https://miway-website.cdn.prismic.io/miway-website/Z06tc5bqstJ97-Wt_Group.svg?auto=compress,format","Z06tc5bqstJ97-Wt",{"x":28,"y":29,"zoom":29,"background":30},{"icon":4827,"heading":58,"text":4832,"type":4833},{"dimensions":4828,"alt":9,"copyright":9,"url":4829,"id":4830,"edit":4831},{"width":118,"height":118},"https://miway-website.cdn.prismic.io/miway-website/Z06t5JbqstJ97-Wx_Group.svg?auto=compress,format","Z06t5JbqstJ97-Wx",{"x":28,"y":29,"zoom":29,"background":30},"27 860 64 64 64","WhatsApp",{"icon":4835,"heading":4840,"text":41,"type":4819},{"dimensions":4836,"alt":9,"copyright":9,"url":4837,"id":4838,"edit":4839},{"width":118,"height":118},"https://miway-website.cdn.prismic.io/miway-website/Z06uD5bqstJ97-W0_Group2608538.svg?auto=compress,format","Z06uD5bqstJ97-W0",{"x":2155,"y":28,"zoom":29,"background":30},"Book a WeDrive in advance","hero_section$4686ae51-e181-4a83-a741-073e82effbb9",{"variation":1506,"version":1482,"items":4843,"primary":4844,"id":4904,"slice_type":4905,"slice_label":9},[],{"heading":1412,"description":4845,"cards":4849},[4846],{"type":70,"text":4847,"spans":4848,"direction":73},"Miway is about doing things your way - and that includes having your say.",[],[4850,4864,4880],{"icon":4851,"heading":4857,"description":4858,"subline":9,"link":4862},{"dimensions":4852,"alt":4853,"copyright":9,"url":4854,"id":4855,"edit":4856},{"width":118,"height":118},"Green smiley face icon","https://miway-website.cdn.prismic.io/miway-website/Zy22Za8jQArT0mVy_Smile-Green-Lg.svg?auto=compress,format","Zy22Za8jQArT0mVy",{"x":28,"y":29,"zoom":29,"background":30},"A way to have your say!",[4859],{"type":70,"text":4860,"spans":4861,"direction":73},"At Miway, everything we do is focused on you, and that’s why your feedback means so much to us. 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inclusivity and equality",[5410],{"type":70,"text":5411,"spans":5412,"direction":73},"We embrace an open, inclusive and psychologically safe workplace, \u2028where difference is celebrated for the superpower it is. ",[],"full_screen_image$57fd9359-dac2-4b34-847f-fce6e3608e38",{"variation":5415,"version":1482,"items":5416,"primary":5417,"id":5457,"slice_type":1541,"slice_label":9},"stackedDefaultNoLinks",[],{"title":5418,"intro":5419,"info_cards":5423},"Our values",[5420],{"type":70,"text":5421,"spans":5422,"direction":73},"They define us and determine our actions and our attitudes, \u2028our beliefs and our behaviours. And they set out our standards so we can serve you better.",[],[5424,5431,5438,5444,5451],{"icon":5425,"heading":5429,"description":5430},{"dimensions":5426,"alt":4883,"copyright":9,"url":5427,"id":4885,"edit":5428},{"width":2124,"height":4531},"https://miway-website.cdn.prismic.io/miway-website/Zy24gq8jQArT0mZ4_Send.svg?auto=compress,format?auto=compress,format",{"x":28,"y":28,"zoom":29,"background":30},"Accountability","We deliver on our promises and make no excuses.",{"icon":5432,"heading":5436,"description":5437},{"dimensions":5433,"alt":4867,"copyright":9,"url":5434,"id":4869,"edit":5435},{"width":705,"height":2124},"https://miway-website.cdn.prismic.io/miway-website/Zy24Kq8jQArT0mZx_Star.svg?auto=compress,format?auto=compress,format",{"x":28,"y":28,"zoom":29,"background":30},"Attitude","Our positive ‘can do’ attitude sets us apart as we go further for our clients.",{"icon":5439,"heading":5442,"description":5443},{"dimensions":5440,"alt":9,"copyright":9,"url":5290,"id":2567,"edit":5441},{"width":1722,"height":2541},{"x":28,"y":28,"zoom":29,"background":30},"Energy","We love what we do and we energise everyone around us.",{"icon":5445,"heading":5449,"description":5450},{"dimensions":5446,"alt":9,"copyright":9,"url":5447,"id":2531,"edit":5448},{"width":705,"height":2528},"https://miway-website.cdn.prismic.io/miway-website/ZuAUEhoQrfVKl5pY_savings-on-your-next-quote-icon.svg?auto=compress,format?auto=compress,format",{"x":28,"y":28,"zoom":29,"background":30},"Creativity","We are free to think out the box, challenge convention, and innovate.",{"icon":5452,"heading":5455,"description":5456},{"dimensions":5453,"alt":9,"copyright":9,"url":5447,"id":2531,"edit":5454},{"width":705,"height":2528},{"x":28,"y":28,"zoom":29,"background":30},"Professionalism","We’re polite, well-spoken, and always on our best behaviour.","info_card_block$97889965-b480-4267-9173-2d7c4ed31f05",{"variation":1506,"version":1482,"items":5459,"primary":5460,"id":5466,"slice_type":5467,"slice_label":9},[],{"heading":5461,"action":5462,"job_listings":5465},"Latest jobs on offer",{"link_type":78,"key":5463,"url":5331,"text":5464},"3a93e209-c2cb-4b82-b648-d6d2b991fd1e","View more",[],"available_roles$7e1df22d-bd5c-4bcd-90c3-f1c6c6950e8d","available_roles",{"variation":1506,"version":1482,"items":5469,"primary":5470,"id":5486,"slice_type":5487,"slice_label":9},[],{"image":5471,"title":5478,"subtitle":5479,"description":5480,"actions":5485},{"dimensions":5472,"alt":9,"copyright":9,"url":5475,"id":5476,"edit":5477},{"width":5473,"height":5474},560,370,"https://images.prismic.io/miway-website/aDLu0ydWJ-7kShSD_Careers-Card.jpg?auto=format,compress&rect=0,12,4096,2706&w=560&h=370","aDLu0ydWJ-7kShSD",{"x":28,"y":2097,"zoom":29,"background":30},"Mentorship at Miway","Every leader starts out in life as a learner",[5481],{"type":70,"text":5482,"spans":5483,"direction":73},"Our Leaders in the Making program makes sure mentorship is embedded in Miway’s processes. We award bursaries to learners for post-matric study and expose them to our workplace through job-shadowing. We offer them a structured work-based learnership program that includes theoretical learning and practical experience, and leads to a registered qualification. Think you’re a leader in the making? Miway might be a good place to begin.",[5484],{"start":156,"end":2046,"type":2328},[],"large_image_banner$ffb8253e-6568-4db4-bb4d-92ff0b5ed624","large_image_banner",{"variation":5489,"version":1482,"items":5490,"primary":5491,"id":5495,"slice_type":1714,"slice_label":9},"productFiltered",[],{"heading":1712,"linked_article_category":5492},{"id":1349,"type":1339,"tags":5493,"lang":16,"slug":1351,"first_publication_date":1352,"last_publication_date":1353,"uid":1351,"url":1343,"link_type":393,"key":5494,"isBroken":395},[],"41c4410a-41ea-434a-9672-cd2420b4fcd1","latest_articles$d2e32ca0-183f-41dc-a1c1-93d068b7ca8c","Careers","Discover career opportunities at Miway. Benefits, wellness programs, learning & development. Find your next role today!",{"dimensions":5499,"alt":5500,"copyright":9,"url":5501,"id":5502,"edit":5503},{"width":22,"height":23},"Youlon Naidoo","https://images.prismic.io/miway-website/Zysv568jQArT0QvW_Youlon-Naidoo.webp?auto=format,compress&rect=0,39,180,101&w=1280&h=720","Zysv568jQArT0QvW",{"x":28,"y":2357,"zoom":29,"background":30},{"id":425,"type":426,"tags":5505,"lang":16,"slug":428,"first_publication_date":429,"last_publication_date":430,"uid":428,"url":431,"link_type":393,"key":5506,"isBroken":395},[],"69d761e5-75e4-4fb6-9e19-85c8109a02df",{"id":5508,"uid":5509,"url":5510,"type":386,"href":5511,"tags":5512,"first_publication_date":5513,"last_publication_date":5514,"slugs":5515,"linked_documents":5516,"lang":16,"alternate_languages":5517,"data":5518},"aKV9IhIAACQAwqk0","micashback-terms-and-conditions","/micashback-terms-and-conditions","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aKV9IhIAACQAwqk0%22%29+%5D%5D",[],"2025-08-20T08:11:15+0000","2025-11-14T13:57:33+0000",[5509],[],[],{"title":5519,"slices":5523,"meta_title":548,"meta_description":3335,"meta_keywords":9,"meta_image":5773,"canonical":5776,"schema_page_type":1720},[5520],{"type":1487,"text":5521,"spans":5522,"direction":73},"Micashback™ Terms and Conditions",[],[5524,5544],{"variation":1745,"version":1482,"items":5525,"primary":5526,"id":3337,"slice_type":1504,"slice_label":9},[],{"heading":1774,"details":5527,"image":5540,"card":5543},[5528,5532,5535],{"type":70,"text":5529,"spans":5530,"direction":73},"Need to know what our Micashback Terms and Conditions are?",[5531],{"start":28,"end":214,"type":1756},{"type":70,"text":5533,"spans":5534,"direction":73},"Your Micashback™ bonus is governed by the agreements outlined in these terms and conditions and the communication upon taking out a policy with Micashback™, including any amendments by MiWay Insurance to these terms and conditions. In the event of any discrepancies, the revised terms and conditions will take precedence. These terms and conditions detail how the Micashback™ works, while the policy schedule contains your specific Micashback™ details.",[],{"type":70,"text":5536,"spans":5537,"direction":73},"Feel free to contact us with any questions on 0860 64 64 64.",[5538],{"start":3746,"end":5539,"type":1756},59,{"dimensions":5541,"alt":9,"copyright":9,"url":3327,"id":3328,"edit":5542},{"width":3325,"height":3326},{"x":28,"y":28,"zoom":29,"background":30},[],{"variation":1506,"version":1482,"items":5545,"primary":5546,"id":3754,"slice_type":2159,"slice_label":9},[],{"content":5547},[5548,5560,5590,5614,5620,5626,5632,5638,5650,5683,5692,5708,5720,5726,5738,5744,5762],{"heading":5549,"text":5550},"What is Micashback™ and what does it do for me?",[5551,5554,5557],{"type":70,"text":5552,"spans":5553,"direction":73},"Micashback™ is our way of thanking you, the policyholder, for doing things your way – for being a careful driver, for keeping your home, your gear and your wheels safe, for paying all your premiums, and for staying claim-free. With MiWay, when you don’t claim, you gain - you get 10% cashback on all your premiums every 2 years. Just make sure there’s no break in your cover and pay your premiums in full and on time.",[],{"type":70,"text":5555,"spans":5556,"direction":73},"And to make it easy for you to gain, Micashback™ kicks in on a range of qualifying products - from cars and caravans to motorbikes and mobile phones, from your home to all your household contents.",[],{"type":70,"text":5558,"spans":5559,"direction":73},"It’s just one more way for us to make your life a little easier, with a whole lot more value.",[],{"heading":5561,"text":5562},"What are the qualifying products?",[5563,5566,5569,5572,5575,5578,5581,5584,5587],{"type":70,"text":5564,"spans":5565,"direction":73},"These are products that qualify for a Micashback™ bonus:",[],{"type":2272,"text":5567,"spans":5568,"direction":73},"MiWheels",[],{"type":2272,"text":5570,"spans":5571,"direction":73},"MiPlace",[],{"type":2272,"text":5573,"spans":5574,"direction":73},"MiStuff",[],{"type":2272,"text":5576,"spans":5577,"direction":73},"MiMoveables",[],{"type":2272,"text":5579,"spans":5580,"direction":73},"MiBicycle",[],{"type":2272,"text":5582,"spans":5583,"direction":73},"MiBike",[],{"type":2272,"text":5585,"spans":5586,"direction":73},"MiTrailer",[],{"type":2272,"text":5588,"spans":5589,"direction":73},"MiCaravan",[],{"heading":5591,"text":5592},"How does Micashback™ work?",[5593,5596,5599,5602,5605,5608,5611],{"type":70,"text":5594,"spans":5595,"direction":73},"As a MiWay policyholder with at least one qualifying product, your Micashback™ bonus cycle will start automatically from the time it is noted on your policy coversheet. The bonus cycle ends 2 years after the payment date of the first full premium, which determines when your Micashback™ bonus will be paid out.",[],{"type":70,"text":5597,"spans":5598,"direction":73},"The bonus payout amount is based on the paid premiums of the qualifying products. The payout will increase or decrease if the premiums paid increase or decrease.",[],{"type":70,"text":5600,"spans":5601,"direction":73},"The Micashback™ 2-year cycle is linked to your premium payment date – the bonus will be paid to you 30 days after the 2-year cycle ends. This means that if you change your premium payment date, the bonus payout date will also be affected.",[],{"type":70,"text":5603,"spans":5604,"direction":73},"The Micashback™ bonus cycle continues provided you do not cancel your policy, you do not miss your premiums and you do not have claims.",[],{"type":70,"text":5606,"spans":5607,"direction":73},"Only claims related to the qualifying products listed above will impact your Micashback™ bonus:",[],{"type":2272,"text":5609,"spans":5610,"direction":73},"If you use your MiHelp benefits like WeDrive or have a claim for a windscreen chip, these claims won’t impact your Micashback™ bonus. However, if a windscreen chip cannot be repaired and leads to a full windscreen replacement, your Micashback™ bonus will be lost – so make sure you repair your windscreen chips as soon as possible to avoid this.",[],{"type":2272,"text":5612,"spans":5613,"direction":73},"For all other claims, the Micashback™ bonus will be lost when the claim is approved. Your new 2-year Micashback™ cycle will automatically start on the day after the claim incident date. A new payout amount and a new payout date will be set, based on the premium from that point onward.",[],{"heading":5615,"text":5616},"Where can I find my latest Micashback™ information?",[5617],{"type":70,"text":5618,"spans":5619,"direction":73},"You can find it on the MiWay app and in your most recent policy schedule.",[],{"heading":5621,"text":5622},"How do existing Miway policyholders get Micashback™?",[5623],{"type":70,"text":5624,"spans":5625,"direction":73},"As a MiWay policyholder with at least one qualifying product, your Micashback™ bonus cycle will start automatically from the time it is noted on your policy coversheet. This will occur automatically at your policy anniversary starting from April 2025, when your policy is upgraded to this new offering.",[],{"heading":5627,"text":5628},"How will Micashback™ bonus be paid to me?",[5629],{"type":70,"text":5630,"spans":5631,"direction":73},"Your Micashback™ bonus will be paid into the same bank account that your insurance policy premiums are paid from. The payment will be made 30 days after the end of the Micashback™ cycle.",[],{"heading":5633,"text":5634},"What happens to Micashback™ bonus if I cancel my policy or cancel all qualifying products?",[5635],{"type":70,"text":5636,"spans":5637,"direction":73},"You’d lose your Micashback™ bonus entirely. The bonus depends on you completing the 2-year Micashback™ cycle to its end.",[],{"heading":5639,"text":5640},"What happens if I miss a premium?",[5641,5644,5647],{"type":70,"text":5642,"spans":5643,"direction":73},"Reach out to us as soon as possible and we’ll resubmit your debit order for the full premium. You have a 15-day grace period, and if payment is received in that period, your Micashback™ cycle won’t be impacted at all.",[],{"type":70,"text":5645,"spans":5646,"direction":73},"However, if the entire premium doesn’t get paid in that grace period, you won’t have cover for that period, and your Micashback™ bonus will be lost. This is because you’ve had a break in your cover and it’s no longer continuous cover.",[],{"type":70,"text":5648,"spans":5649,"direction":73},"The good news is that your new Micashback™ cycle will automatically start on the day that your next month’s premium is paid.",[],{"heading":5651,"text":5652},"What happens if I claim?",[5653,5656,5659,5662,5665,5668,5673,5676,5680],{"type":70,"text":5654,"spans":5655,"direction":73},"Firstly, not all claims will impact Micashback™. Only claims related to the qualifying products listed above will impact Micashback™.",[],{"type":70,"text":5657,"spans":5658,"direction":73},"Secondly, using your MiHelp benefits and claims for windscreen chips won’t impact your Micashback™. However, if a windscreen chip cannot be repaired and leads to a windscreen replacement, your Micashback™ bonus will be lost.",[],{"type":70,"text":5660,"spans":5661,"direction":73},"In some cases, a MiHelp emergency benefit usage might progress to a claim. If this happens, your Micashback™ bonus will be lost.",[],{"type":70,"text":5663,"spans":5664,"direction":73},"On all other claims, the Micashback™ bonus will be lost when the claim is approved. Your new 2-year Micashback™ cycle will automatically start on the day after the incident date, with the bonus cycle ending 2 years after the payment date of the next full premium. A new projected payout amount and expected payout date will be set, based on this next premium.",[],{"type":70,"text":5666,"spans":5667,"direction":73},"Here’s some scenarios to explain how it works.",[],{"type":70,"text":5669,"spans":5670,"direction":73},"Scenario: A valid, approved claim within the Micashback™ cycle",[5671],{"start":28,"end":5672,"type":1756},62,{"type":70,"text":5674,"spans":5675,"direction":73},"Sibusiso takes out a policy with MiWay on 1 July 2025, and his Micashback™ bonus is set to pay out on 1 August 2027. Sibusiso has a car accident on 1 February 2026, during the Micashback™ cycle, and registers a claim. The claim is approved on 4 February 2026. Sibusiso’s car is repaired on 5 February 2026 – with Sibusiso having paid the excess and MiWay covering the rest. As expected, Sibusiso’s Micashback™ bonus is lost and his new Micashback™ cycle starts on 2 February 2026, with a payout date set at 30 days after the 2-year cycle – 1 April 2028.",[],{"type":70,"text":5677,"spans":5678,"direction":73},"Scenario: An invalid claim within the Micashback™ cycle",[5679],{"start":28,"end":5080,"type":1756},{"type":70,"text":5681,"spans":5682,"direction":73},"Sibusiso takes out a policy with MiWay on 1 July 2025, and his Micashback™ bonus is set to pay out on 1 August 2027. Sibusiso has a car accident on 1 February 2026 and registers a claim. On 4 February 2026, Sibusiso gets the feedback that the claim is not valid. Sibusiso’s Micashback™ bonus is not lost and stays in place, with the payout date set at 1 August 2027.",[],{"heading":5684,"text":5685},"Will claiming on one insured item affect the Micashback™ bonus on other insured items?",[5686,5689],{"type":70,"text":5687,"spans":5688,"direction":73},"A single policy may cover multiple insured items - for example, your policy might cover your house, home contents, a car and a motor warranty. Micashback™ applies to all qualifying products on your policy, so a claim for a loss on one qualifying item – your car, for instance - will result in losing the Micashback™ bonus for the entire policy.",[],{"type":70,"text":5690,"spans":5691,"direction":73},"However, because your motor warranty (MiWarranty) is not a qualifying Micashback™ product, a claim on your MiWarranty cover won’t affect your Micashback™ bonus.",[],{"heading":5693,"text":5694},"What happens if I withdraw my claim?",[5695,5698,5702,5705],{"type":70,"text":5696,"spans":5697,"direction":73},"It’s simple – if you withdraw your claim before repairs have begun or parts have been ordered - you won’t lose your Micashback™ bonus.",[],{"type":70,"text":5699,"spans":5700,"direction":73},"Scenario: Withdrawal of claim and use of MiHelp benefit in the Micashback™ cycle period",[5701],{"start":28,"end":2649,"type":1756},{"type":70,"text":5703,"spans":5704,"direction":73},"Sibusiso takes out a policy with MiWay on 1 July 2025, and his Micashback™ bonus is set to pay out on 1 August 2027. Sibusiso has a flat tyre on 1 February 2027 and so he uses his emergency service with MiHelp to get the tyre changed. The MiHelp benefit does not affect the Micashback™ bonus.",[],{"type":70,"text":5706,"spans":5707,"direction":73},"When he takes the tyre to the tyre shop for repair, he’s told he needs the rim repaired, as it was damaged by a pothole he went over earlier in the week. The rim repair is a claim on his MiWheels cover, and an excess of R5000 needs to be paid. Sibusiso decides not to claim but to rather repair the rim himself at a total cost of R1500 – he withdraws the claim with MiWay. In this case, Sibusiso’s Micashback™ bonus will not be lost and will remain in place, with an expected payout on 1 August 2027.",[],{"heading":5709,"text":5710},"Can I claim in the last few days before Micashback™ payout?",[5711,5714,5717],{"type":70,"text":5712,"spans":5713,"direction":73},"The Micashback™ payout depends on you remaining claim-free until the end of the Micashback™ cycle. Any Micashback™ payout which is due at the end of the 2-year cycle will only be paid out if there are no finalised claims that impacted the Micashback™ cycle.",[],{"type":70,"text":5715,"spans":5716,"direction":73},"If there are claims in progress when the Micashback™ payout is due, the Micashback™ payout will be placed on hold until the claim is finalised. If the claim is withdrawn, then the bonus would be paid out. If the claim is approved, however, the Micashback™ bonus will be lost.",[],{"type":70,"text":5718,"spans":5719,"direction":73},"Any claim submitted after the end of the Micashback™ cycle but before the bonus is paid into your account will have no impact at all on your current Micashback™ payout. The only change will be that your new Micashback™ cycle will now start on the day after the claim incident date, rather than the day after the end of the previous Micashback™ cycle.",[],{"heading":5721,"text":5722},"Can I claim retrospectively after Micashback™ was paid out for an incident that happened during that Micashback™ cycle?",[5723],{"type":70,"text":5724,"spans":5725,"direction":73},"Once your Micashback™ bonus has been paid, you cannot go back and claim for an incident that happened in that previous Micashback™ cycle.",[],{"heading":5727,"text":5728},"How will Liability Claims, Summonses, and Letters of Demand affect Micashback™ bonus?",[5729,5732,5735],{"type":70,"text":5730,"spans":5731,"direction":73},"Your Micashback™ bonus will be lost for any liability claims that are settled or when a letter of demand or summons is referred to us, and the incident date falls within the Micashback™ cycle.",[],{"type":70,"text":5733,"spans":5734,"direction":73},"Your new cycle will start immediately after the incident date.",[],{"type":70,"text":5736,"spans":5737,"direction":73},"If you decide that you want to save your Micashback™ bonus, and you withdraw your claim, this decision will be final and cannot be reversed, even if you submit another claim after that. On top of this, once your Micashback™ bonus has been paid out, you can’t go back in time and claim for that incident.",[],{"heading":5739,"text":5740},"Will I lose Micashback™ bonus if the incident was not my fault?",[5741],{"type":70,"text":5742,"spans":5743,"direction":73},"Losing Micashback™ is based on whether there is an approved claim, not on whose fault it is. Any claims approved will lead to you losing your Micashback™ bonus.",[],{"heading":5745,"text":5746},"Other important information to note:",[5747,5750,5753,5756,5759],{"type":2272,"text":5748,"spans":5749,"direction":73},"If the Micashback™ bonus payout is delayed for any reason – say, because of an unfinalised claim or payment processing delays with the bank - MiWay will not be liable to pay any interest.",[],{"type":2272,"text":5751,"spans":5752,"direction":73},"If MiWay decides to cancel your policy – due to, for example, dishonesty – you will lose your Micashback™ bonus.",[],{"type":2272,"text":5754,"spans":5755,"direction":73},"Following any break in your cover which results in a new Micashback™ cycle, any premiums paid before this new Micashback™ cycle start date won’t be included in the calculation of the new Micashback™ bonus amount due.",[],{"type":2272,"text":5757,"spans":5758,"direction":73},"MiWay may at any time review and amend the rewards currency used to pay out your Micashback™ bonus. You will be notified of any changes in accordance with these terms and conditions and prevailing law.",[],{"type":2272,"text":5760,"spans":5761,"direction":73},"If Miway makes a payment in relation to a claim, you will lose your Micashback bonus. ",[],{"heading":5763,"text":5764},"Definitions",[5765,5769],{"type":70,"text":5766,"spans":5767,"direction":73},"Projected payout amount means the estimated Micashback™ bonus amount to be paid out after the 2-year Micashback™ cycle. This is based on 10% of the premiums within the current Micashback™ cycle, and assumes no future claims, cancellations, changes in premium or missed premiums will occur during the cycle.",[5768],{"start":28,"end":27,"type":1756},{"type":70,"text":5770,"spans":5771,"direction":73},"Expected payout date means the date on which the Micashback™ bonus will be paid out – 30 days after the current Micashback™ cycle ends. Each Micashback™ cycle is a 2-year period after the first full premium is due, and assumes no future claims, cancellations, changes in premium or missed premiums will occur during the cycle.",[5772],{"start":28,"end":1722,"type":1756},{"dimensions":5774,"alt":3757,"copyright":9,"url":3758,"id":3759,"edit":5775},{"width":22,"height":23},{"x":28,"y":44,"zoom":29,"background":30},{"link_type":35},{"id":5778,"uid":5779,"url":5780,"type":386,"href":5781,"tags":5782,"first_publication_date":5783,"last_publication_date":5784,"slugs":5785,"linked_documents":5786,"lang":16,"alternate_languages":5787,"data":5788},"aP8XeREAACMAHmUt","miway-to-m-teaser-terms","/miway-to-m-teaser-terms","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22aP8XeREAACMAHmUt%22%29+%5D%5D",[958],"2025-10-27T07:23:11+0000","2025-10-27T09:49:03+0000",[4994],[],[],{"title":5789,"slices":5792,"meta_title":6009,"meta_description":6010,"meta_keywords":9,"meta_image":6011,"canonical":6012,"schema_page_type":1720},[5790],{"type":1487,"text":1774,"spans":5791,"direction":73},[],[5793,5816],{"variation":1745,"version":1482,"items":5794,"primary":5795,"id":3337,"slice_type":1504,"slice_label":9},[],{"heading":1774,"details":5796,"image":5814,"card":5815},[5797],{"type":70,"text":5798,"spans":5799,"direction":73},"The Miway to M adventure is here — it’s bigger, bolder, and full of surprises!  We’re kicking things off with a week of fun daily games on Facebook and Twitter, where you can play along, guess this year’s mystery holiday destination, and stand a chance to win R500 retail vouchers every day. Think you’ve got what it takes to unlock the clues? Join in, test your skills, and get ready to find out where Miway to M could take you next!",[5800,5801,5802,5804,5807,5809,5812],{"start":156,"end":3949,"type":2328},{"start":156,"end":3949,"type":1756},{"start":4752,"end":5803,"type":1756},159,{"start":5805,"end":5806,"type":1756},205,232,{"start":5808,"end":3163,"type":1756},256,{"start":5810,"end":5811,"type":2328},403,413,{"start":5810,"end":5813,"type":1756},414,{},[],{"variation":1506,"version":1482,"items":5817,"primary":5818,"id":3754,"slice_type":2159,"slice_label":9},[],{"content":5819},[5820,5835,5879,5907,5932,5953,5962,5976,5988,5998],{"heading":5821,"text":5822},"Introduction",[5823,5826,5829,5832],{"type":2223,"text":5824,"spans":5825,"direction":73},"Participation in this Competition is governed by these terms and conditions (the “Rules”).",[],{"type":2223,"text":5827,"spans":5828,"direction":73},"You, as the Participant, are encouraged to review the Rules before entering the Competition and acknowledge that you have been given an appropriate opportunity to do so and that you understand and accept these Rules.",[],{"type":2223,"text":5830,"spans":5831,"direction":73},"This competition is operated by Miway Insurance.",[],{"type":2223,"text":5833,"spans":5834,"direction":73},"Your participation in the Competition constitutes acceptance of these Rules, and you agree to abide by them.",[],{"heading":2238,"text":5836},[5837,5840,5843,5846,5849,5852,5855,5858,5861,5864,5867,5870,5873,5876],{"type":70,"text":5838,"spans":5839,"direction":73},"This Competition is limited to legal residents of the Republic of South Africa. The following people shall not be eligible to participate in this Competition:",[],{"type":70,"text":5841,"spans":5842,"direction":73},"1.        Directors, members, partners, promotional and advertising agents, merchandisers, employees, or consultants of Miway.",[],{"type":70,"text":5844,"spans":5845,"direction":73},"2.      Spouse, life partner, parent, child, brother, sister, business partner, or associate of any of the persons specified above.",[],{"type":70,"text":5847,"spans":5848,"direction":73},"3.      Existing Miway clients.",[],{"type":70,"text":5850,"spans":5851,"direction":73},"4.      The competition is open to individuals who are 18 years of age or older.",[],{"type":70,"text":5853,"spans":5854,"direction":73},"5.      Participants may opt-in for an obligation-free quote from Miway to double their chances of winning the competition grand prize which will only be revealed in the coming week of the competition.",[],{"type":70,"text":5856,"spans":5857,"direction":73},"6.      Participants must provide correct and true information when requesting an obligation-free quote.",[],{"type":70,"text":5859,"spans":5860,"direction":73},"7.       Miway’s representatives will request full name, email address, contact number, and ID number. This information will be used to contact the potential winners.",[],{"type":70,"text":5862,"spans":5863,"direction":73},"8.      Once a potential winner has been identified, Miway's representatives will request proof of information provided in the quotation process when reaching out to potential winners on Miway's social media platforms.",[],{"type":70,"text":5865,"spans":5866,"direction":73},"9.      The participants are required to supply true and complete information.",[],{"type":70,"text":5868,"spans":5869,"direction":73},"10.    Miway reserves the right to remove any entries if deemed spam, derogatory, offensive, or obscene.",[],{"type":70,"text":5871,"spans":5872,"direction":73},"11.      The judges’ decision is final, and no correspondence will be entered into.",[],{"type":70,"text":5874,"spans":5875,"direction":73},"12.    Previous competition winners may NOT enter.",[],{"type":70,"text":5877,"spans":5878,"direction":73},"13.    Only one entry per person will be considered.",[],{"heading":2317,"text":5880},[5881,5884,5887,5890,5893,5896,5901,5905],{"type":70,"text":2205,"spans":5882,"direction":73},[5883],{"start":28,"end":2097,"type":1756},{"type":70,"text":5885,"spans":5886,"direction":73},"Each day, a different daily game will be posted on Miway’s official Facebook and Twitter pages.\nTo enter:",[],{"type":2223,"text":5888,"spans":5889,"direction":73},"Follow Miway on the platform where you participate.",[],{"type":2223,"text":5891,"spans":5892,"direction":73},"Complete the daily game as instructed in the post (e.g., match tiles, play catch, solve the crossword, etc.).",[],{"type":2223,"text":5894,"spans":5895,"direction":73},"Comment or engage according to the post’s instructions (where applicable).",[],{"type":2223,"text":5897,"spans":5898,"direction":73},"Include the hashtag #MiwaytoM #MiwayLiveYourWay in your entry (where relevant).",[5899,5900],{"start":1722,"end":2528,"type":1756},{"start":2124,"end":2654,"type":1756},{"type":70,"text":5902,"spans":5903,"direction":73},"Participants may enter once per daily game but can participate on multiple days for additional chances to win.",[5904],{"start":27,"end":5106,"type":1756},{"type":70,"text":1781,"spans":5906,"direction":73},[],{"heading":5908,"text":5909},"Winner Announcement",[5910,5913,5916,5920,5923,5926,5929],{"type":70,"text":5911,"spans":5912,"direction":73},"1.        Daily winners will be announced on Miway’s official Facebook and Twitter pages at the end of the five-day teaser week period.",[],{"type":70,"text":5914,"spans":5915,"direction":73},"2.      Winners will be contacted via direct message for verification and prize fulfilment.",[],{"type":70,"text":5917,"spans":5918,"direction":73},"3.      If a winner cannot be reached within 48 hours, Miway reserves the right to select another winner.",[5919],{"start":1951,"end":1796,"type":1756},{"type":70,"text":5921,"spans":5922,"direction":73},"4.      Winners will be determined by what the Miway representatives deem the most appropriate entry by random draw.",[],{"type":70,"text":5924,"spans":5925,"direction":73},"5.      The vouchers cannot be redeemed for cash or any other form.",[],{"type":70,"text":5927,"spans":5928,"direction":73},"6.      Once the winner has been selected, the winner will be announced on Miway's social media platforms.",[],{"type":70,"text":5930,"spans":5931,"direction":73},"7.       The competition will run on Miway’s Facebook and Twitter.",[],{"heading":5933,"text":5934},"Daily Prizes",[5935,5938,5943,5946,5949],{"type":70,"text":5936,"spans":5937,"direction":73},"1.        Five (5) winners will be selected per day over the five-day teaser period. A total of 25 winners will stand a chance to win at the end of the five-day teaser week period.",[],{"type":70,"text":5939,"spans":5940,"direction":73},"2.      Each of the daily winners will receive a R500 retail voucher at the end of the five-day teaser period.",[5941],{"start":5942,"end":1958,"type":1756},49,{"type":70,"text":5944,"spans":5945,"direction":73},"3.      Winners will be randomly selected from all valid entries for that day.",[],{"type":70,"text":5947,"spans":5948,"direction":73},"4.      The judges’ decision is final, and no correspondence will be entered into.",[],{"type":70,"text":5950,"spans":5951,"direction":73},"5.      Prizes are not transferable, exchangeable, or redeemable for cash.",[5952],{"start":2267,"end":4498,"type":1756},{"heading":5954,"text":5955},"Data Protection",[5956,5959],{"type":70,"text":5957,"spans":5958,"direction":73},"1.        Any personal information collected in connection with this competition will be used solely for administering the competition.",[],{"type":70,"text":5960,"spans":5961,"direction":73},"2.      Miway and its campaign partner(s) will safely store all entrants’ personal information in its database, which is confidential and will be treated under the Protection of Personal Information Act.",[],{"heading":2414,"text":5963},[5964,5967,5970,5973],{"type":70,"text":5965,"spans":5966,"direction":73},"1.        Entries that are incomplete, inaccurate, or do not comply with the instructions will be disqualified.",[],{"type":70,"text":5968,"spans":5969,"direction":73},"2.      Miway reserves the right to verify the validity of any entry or participant.",[],{"type":70,"text":5971,"spans":5972,"direction":73},"3.      Miway may amend, suspend, or cancel the Competition at any time without prior notice, and no liability shall arise from such amendment.",[],{"type":70,"text":5974,"spans":5975,"direction":73},"4.      Participation in the Competition implies acceptance of these Terms and Conditions.",[],{"heading":5977,"text":5978},"Privacy",[5979],{"type":70,"text":5980,"spans":5981,"direction":73},"By entering, participants consent to Miway using their names, images, and/or social media handles for publicity purposes related to the Competition, without further compensation. Personal information will be processed in accordance with Miway’s Privacy Policy and POPIA requirements.",[5982,5985],{"start":5983,"end":5984,"type":1756},245,259,{"start":5986,"end":5987,"type":1756},264,269,{"heading":5989,"text":5990},"Disclaimer",[5991],{"type":70,"text":5992,"spans":5993,"direction":73},"This Competition is in no way sponsored, endorsed, or administered by, or associated with, Facebook or Twitter (X). Participants release these platforms from any responsibility related to this Competition.",[5994,5996],{"start":5995,"end":1755,"type":1756},91,{"start":1788,"end":5997,"type":1756},114,{"heading":5999,"text":6000},"Contact",[6001,6004],{"type":70,"text":6002,"spans":6003,"direction":73},"For any queries related to the Competition, don't hesitate to get in touch with us on our social media DM channels.",[],{"type":70,"text":6005,"spans":6006,"direction":73},"Alternatively, you may reach us at marketing@miway.co.za with the subject line; “Miway To M Query”",[6007],{"start":4498,"end":3725,"type":216,"data":6008},{"link_type":78,"url":4160,"target":135},"Miway to M","The Miway to M adventure is here — it’s bigger, bolder, and full of surprises!",{},{"link_type":35},{"id":6014,"uid":6015,"url":6016,"type":386,"href":6017,"tags":6018,"first_publication_date":6019,"last_publication_date":6020,"slugs":6021,"linked_documents":6023,"lang":16,"alternate_languages":6024,"data":6025},"Z5NMVBAAACEAZhKe","irefer-terms-of-use","/irefer-terms-of-use","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z5NMVBAAACEAZhKe%22%29+%5D%5D",[],"2025-01-24T08:18:58+0000","2025-11-05T11:08:14+0000",[6022],"irefer-terms-and-conditions",[],[],{"title":6026,"slices":6030,"meta_title":6203,"meta_description":2944,"meta_keywords":9,"meta_image":6204,"canonical":6207,"schema_page_type":1720},[6027],{"type":1487,"text":6028,"spans":6029,"direction":73},"iRefer Terms and Conditions",[],[6031,6051],{"variation":1745,"version":1482,"items":6032,"primary":6033,"id":1768,"slice_type":1504,"slice_label":9},[],{"heading":6028,"details":6034,"image":6041,"card":6044},[6035,6038],{"type":70,"text":6036,"spans":6037,"direction":73},"The following terms and conditions are applicable to Miway clients for their referrals. ",[],{"type":70,"text":6039,"spans":6040,"direction":73},"Refer your friends and family to get a quotation with Miway and be rewarded for spreading the love. For every friend or family member with an active policy, you will walk away with a digital voucher in your pocket. That’s right, the more you refer the more you earn!",[],{"dimensions":6042,"alt":2199,"copyright":9,"url":2200,"id":2201,"edit":6043},{"width":2197,"height":2198},{"x":28,"y":28,"zoom":29,"background":30},[6045],{"heading":6046,"content":6047},"How does the referral process work?",[6048],{"type":70,"text":6049,"spans":6050,"direction":73},"Referring is easy. Simply contact us on 0860 64 64 64 and speak to one of our friendly consultants who will help load your referral or load your referral via the Miway Mobile App.",[],{"variation":1506,"version":1482,"items":6052,"primary":6053,"id":2158,"slice_type":2159,"slice_label":9},[],{"content":6054},[6055],{"heading":1774,"text":6056},[6057,6060,6063,6066,6069,6072,6075,6078,6081,6084,6087,6090,6093,6096,6099,6102,6105,6108,6111,6114,6117,6120,6123,6126,6130,6134,6138,6141,6144,6147,6150,6153,6156,6159,6162,6165,6168,6171,6174,6177,6180,6183,6185,6188,6191,6194,6197,6200],{"type":2223,"text":6058,"spans":6059,"direction":73},"The irefer programme and incentives is open to clients of Miway. In the event of the appointment of a Broker(s) on a client(s) policy(ies), participation in the irefer campaign by the client(s) is prohibited. It is advisable to consult with your broker and confirm if they have their own referral campaign.",[],{"type":2223,"text":6061,"spans":6062,"direction":73},"You as the referrer, a Miway client, is not rendering service as an intermediary nor advisory services as contemplated in the FAIS Act or any other applicable legislation. ",[],{"type":2223,"text":6064,"spans":6065,"direction":73},"There are a few checks and balances we need to confirm before we make contact with your referral which could result in removing your contact from the referral process, because:",[],{"type":2272,"text":6067,"spans":6068,"direction":73},"they are existing clients, in other words, they already have a Miway policy,",[],{"type":2272,"text":6070,"spans":6071,"direction":73},"they have already obtained a quotation from Miway in the last 30 days prior to your referral,",[],{"type":2272,"text":6073,"spans":6074,"direction":73},"they are on our \"Do Not Contact\" list.",[],{"type":2223,"text":6076,"spans":6077,"direction":73},"Miway may reject your referral in its sole discretion if:",[],{"type":2272,"text":6079,"spans":6080,"direction":73},"the fair spirit of the campaign was not upheld,",[],{"type":2272,"text":6082,"spans":6083,"direction":73},"the maximum number of attempts were exceeded by the irefer team,",[],{"type":2272,"text":6085,"spans":6086,"direction":73},"the referral is referred to Miway using the incorrect process.",[],{"type":2223,"text":6088,"spans":6089,"direction":73},"If your referral has taken a policy through another lead source and not via the irefer campaign, you as the referrer, a Miway client, will not qualify for any benefit.",[],{"type":2223,"text":6091,"spans":6092,"direction":73},"Your referral will remain valid for a period of 30 days, in the event that your referral was not rejected for any other reason.",[],{"type":2272,"text":6094,"spans":6095,"direction":73},"If the irefer team did not manage to contact your referral during this period, and no sale was made your lead will be deemed as expired.",[],{"type":2223,"text":6097,"spans":6098,"direction":73},"A Miway client who is also a Miway Employee may not access his/her own Miway policy to load referrals under their own policy as this is deemed a conflict of interest. If you are a Miway Employee we recommend that you familiarise yourself with the Miway irefer Employee terms and conditions.",[],{"type":2223,"text":6100,"spans":6101,"direction":73},"A Miway client who is also a Miway Employee may not access his/her friends and/or family member’s policies to load referrals as this is deemed a conflict of interest. If you are a Miway Employee we recommend that you familiarise yourself with the Miway irefer Employee terms and conditions. If your referral was not received via the prescribed methods, your referral will be deemed as invalid and you as the referrer, will not qualify for any benefits.",[],{"type":2223,"text":6103,"spans":6104,"direction":73},"The processing of Personal Information of any data subject is subject to applicable South African laws.",[],{"type":2223,"text":6106,"spans":6107,"direction":73},"Referrals must be through such mediums as may be prescribed by Miway from time to time.",[],{"type":2223,"text":6109,"spans":6110,"direction":73},"Miway client referrals will not be accepted by Miway, if the Miway client has not followed the procedure as expressed by Miway that governs the manner in which referrals are supplied or loaded to the Miway system. The Miway client will be deemed to have breached the terms and conditions of the campaign, if it is found that the Miway client who is also a Miway Employee attempted to gain a benefit from the campaign to the prejudice of Miway and such Employee will be subject to disciplinary action.",[],{"type":2223,"text":6112,"spans":6113,"direction":73},"You as the referrer, a Miway client, are encouraged to notify your contact in regard to:",[],{"type":2272,"text":6115,"spans":6116,"direction":73},"the sharing of their contacts details with Miway and",[],{"type":2272,"text":6118,"spans":6119,"direction":73},"that Miway will be in contact shortly to request consent to conduct a quotation.",[],{"type":2272,"text":6121,"spans":6122,"direction":73},"Your friend/family member will have the opportunity to opt-out when we contact them.",[],{"type":2223,"text":6124,"spans":6125,"direction":73},"You as the referrer, a Miway client, will qualify for a digital voucher* once the following conditions have been met and is payable within 30 days.",[],{"type":2272,"text":6127,"spans":6128,"direction":73},"If you successfully referred someone for any of our personal lines, non-life insurance products, you will receive a digital voucher to the value of R1,000, upon the successful collection of the first full premium for their policy.",[6129],{"start":2351,"end":2133,"type":1756},{"type":2272,"text":6131,"spans":6132,"direction":73},"If you successfully referred someone for any of our business insurance non-life insurance products, you will receive a digital voucher to the value of R1,000, upon the successful collection of the first full premium for their policy.",[6133],{"start":2351,"end":3321,"type":1756},{"type":2272,"text":6135,"spans":6136,"direction":73},"If you successfully referred someone for any of our value added products, you will receive a digital voucher to the value of R300, upon the successful collection of the first full premium for their policy.*",[6137],{"start":2351,"end":2371,"type":1756},{"type":2223,"text":6139,"spans":6140,"direction":73},"Miway will pay you your digital voucher value (DZAR / Digital Rands) via your cell phone number noted on your Miway policy. To claim your Digital Rands, please follow the prescribed methods below.",[],{"type":2223,"text":6142,"spans":6143,"direction":73},"If you are a pre-existing 6DOT50 account holder your Digital Rands (DZAR) will already be in your digital wallet. To use your Digital Rands you must login to your 6DOT50 account.",[],{"type":2272,"text":6145,"spans":6146,"direction":73},"You will receive in-app notifications confirming the transaction made to your account.",[],{"type":2272,"text":6148,"spans":6149,"direction":73},"Click here to login to your 6DOT50 account on the web or login via the mobile app.",[],{"type":2223,"text":6151,"spans":6152,"direction":73},"If you are a first time user you will receive a SMS with the link to download the 6DOT50 App once we have paid you your digital voucher value (DZAR/Digital Rands).",[],{"type":2223,"text":6154,"spans":6155,"direction":73},"To claim your digital voucher value, you must register for an account with 6DOT50. To register your account on the web, click here or register via the mobile app.",[],{"type":2223,"text":6157,"spans":6158,"direction":73},"If you are not entirely satisfied with holding Digital Voucher Value you may request a cash refund at any Pick n Pay by generating a WiCode on the app. A fee will be payable by the client for every refund processed. 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They will be encouraged to tell the station why they deserve to win the luxury holiday. By opting in for an obligation-free Miway quote, participants stand a chance to win an all-expenses-paid trip to Malaysia valued at up to R150 000.",[],{"type":70,"text":2260,"spans":6407,"direction":73},[6408],{"start":28,"end":29,"type":1756},{"type":70,"text":2238,"spans":6410,"direction":73},[6411],{"start":28,"end":2241,"type":1756},{"type":2272,"text":6413,"spans":6414,"direction":73},"The competition is open to South African residents aged 18 years or older with a valid South African ID.",[],{"type":2272,"text":6416,"spans":6417,"direction":73},"Employees, directors, agents, or consultants of Miway, Miway Life, Metro FM Broadcasting, and their immediate families are not eligible to enter.",[],{"type":2272,"text":6419,"spans":6420,"direction":73},"Participants may only enter once during the competition period, 3 October 2025 – 28 November 2025.",[],{"type":2272,"text":6422,"spans":6423,"direction":73},"A participant will be excluded if they have won a prize on Metro FM or Miway within the past 90 days (1 September 2025 – 31 November 2025).",[],{"type":70,"text":2260,"spans":6425,"direction":73},[],{"type":70,"text":2317,"spans":6427,"direction":73},[6428],{"start":28,"end":2064,"type":1756},{"type":70,"text":2205,"spans":6430,"direction":73},[6431],{"start":28,"end":2097,"type":1756},{"type":2272,"text":6433,"spans":6434,"direction":73},"The winners will be randomly selected by Ninja Name Picker. 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The next, another driver is tailgating, shouting, hooting or trying to force their way past you.",[],{"type":70,"text":10079,"spans":10080,"direction":73},"Road rage can escalate quickly, which is why the safest response is usually not to prove who was right. It's to create distance, avoid confrontation and get yourself and your passengers somewhere safe.",[],{"type":70,"text":10082,"spans":10083,"direction":73},"The South African Police Service (SAPS) describes aggressive driving as deliberately unsafe driving behaviour carried out with disregard for safety. In extreme cases, it can escalate into road rage involving an intention to cause physical harm.",[10084],{"start":156,"end":4536,"type":216,"data":10085},{"link_type":78,"url":10086,"target":135},"https://www.saps.gov.za/alert/road_rage.php",{"type":70,"text":10088,"spans":10089,"direction":73},"Here's what South African drivers should know about recognising road rage, responding safely and what to do if an incident leads to vehicle damage or a car insurance claim.",[10090,10094],{"start":2230,"end":10091,"type":216,"data":10092},165,{"link_type":78,"url":10093,"target":135},"https://www.miway.co.za/car-insurance",{"start":2230,"end":10091,"type":1756},"article_content_text$83977ce3-4f86-4270-b0b0-49906ab11b88","article_content_text",{"variation":1506,"version":1482,"items":10098,"primary":10099,"id":10135,"slice_type":10096,"slice_label":9},[],{"heading":10100,"content":10101,"link_heading":1363},"What is road rage?",[10102,10105,10108,10111,10114,10117,10120,10123,10126,10129,10132],{"type":70,"text":10103,"spans":10104,"direction":73},"Road rage is extreme anger or aggression directed at another road user.",[],{"type":70,"text":10106,"spans":10107,"direction":73},"It can begin with something that seems relatively minor, such as somebody cutting into your lane, driving slowly or sounding their horn. But when frustration turns into threatening or dangerous behaviour, the situation can become much more serious.",[],{"type":70,"text":10109,"spans":10110,"direction":73},"Aggressive driving can include behaviours such as:",[],{"type":2272,"text":10112,"spans":10113,"direction":73},"tailgating",[],{"type":2272,"text":10115,"spans":10116,"direction":73},"deliberately blocking another vehicle",[],{"type":2272,"text":10118,"spans":10119,"direction":73},"unsafe lane changes",[],{"type":2272,"text":10121,"spans":10122,"direction":73},"excessive hooting",[],{"type":2272,"text":10124,"spans":10125,"direction":73},"threatening gestures",[],{"type":2272,"text":10127,"spans":10128,"direction":73},"attempting to intimidate another driver",[],{"type":2272,"text":10130,"spans":10131,"direction":73},"deliberately pursuing another vehicle.",[],{"type":70,"text":10133,"spans":10134,"direction":73},"Not every impatient driver is experiencing road rage, but recognising escalating behaviour early gives you more time to remove yourself from the situation.",[],"article_content_text$e620eff9-01a3-4c76-8dca-3ad5cc1ba545",{"variation":1506,"version":1482,"items":10137,"primary":10138,"id":10211,"slice_type":10096,"slice_label":9},[],{"heading":10139,"content":10140,"link_heading":1363},"What should you do if you encounter road rage?",[10141,10145,10150,10154,10157,10160,10164,10167,10170,10173,10176,10180,10183,10188,10191,10195,10198,10201,10205,10208],{"type":70,"text":10142,"spans":10143,"direction":73},"The most important thing is to avoid escalating the confrontation.",[10144],{"start":1834,"end":2682,"type":1756},{"type":70,"text":10146,"spans":10147,"direction":73},"SAPS recommends remaining courteous, avoiding conflict and moving out of the way rather than responding to an aggressive driver.",[10148],{"start":28,"end":156,"type":216,"data":10149},{"link_type":78,"url":10086,"target":135},{"type":70,"text":10151,"spans":10152,"direction":73},"1. Create space",[10153],{"start":28,"end":861,"type":1756},{"type":70,"text":10155,"spans":10156,"direction":73},"Leave enough room between your vehicle and the one ahead of you, particularly when traffic is stationary.",[],{"type":70,"text":10158,"spans":10159,"direction":73},"That gives you somewhere to move if you need to get away from an aggressive driver.",[],{"type":70,"text":10161,"spans":10162,"direction":73},"2. Don't retaliate",[10163],{"start":28,"end":1827,"type":1756},{"type":70,"text":10165,"spans":10166,"direction":73},"It can be tempting to hoot back, make a gesture or prevent the other driver from passing.",[],{"type":70,"text":10168,"spans":10169,"direction":73},"Don't.",[],{"type":70,"text":10171,"spans":10172,"direction":73},"Trying to teach an aggressive driver a lesson may make an already tense situation worse.",[],{"type":70,"text":10174,"spans":10175,"direction":73},"You don't know how the other person will react, so getting home safely matters more than proving that you had right of way.",[],{"type":70,"text":10177,"spans":10178,"direction":73},"3. Keep your doors locked and stay inside",[10179],{"start":28,"end":2350,"type":1756},{"type":70,"text":10181,"spans":10182,"direction":73},"If another driver gets out of their vehicle and approaches you aggressively, remaining inside your locked vehicle can provide an important physical barrier.",[],{"type":70,"text":10184,"spans":10185,"direction":73},"SAPS specifically advises motorists dealing with aggressive drivers to keep their vehicle doors locked.",[10186],{"start":28,"end":156,"type":216,"data":10187},{"link_type":78,"url":10086,"target":135},{"type":70,"text":10189,"spans":10190,"direction":73},"Avoid getting out to argue.",[],{"type":70,"text":10192,"spans":10193,"direction":73},"4. Avoid prolonged eye contact or gestures",[10194],{"start":28,"end":5106,"type":1756},{"type":70,"text":10196,"spans":10197,"direction":73},"Eye contact, shouting or gestures can sometimes be interpreted as a challenge.",[],{"type":70,"text":10199,"spans":10200,"direction":73},"Keep your attention on getting away safely rather than responding to the other driver.",[],{"type":70,"text":10202,"spans":10203,"direction":73},"5. Let the driver pass",[10204],{"start":28,"end":1613,"type":1756},{"type":70,"text":10206,"spans":10207,"direction":73},"If it's safe to do so, create space and allow an aggressive driver to move away from you.",[],{"type":70,"text":10209,"spans":10210,"direction":73},"Being technically right is not worth allowing the situation to become more dangerous.",[],"article_content_text$82654ddb-68f0-4647-8677-b7f9e77e18fb",{"variation":1506,"version":1482,"items":10213,"primary":10214,"id":10249,"slice_type":10096,"slice_label":9},[],{"heading":10215,"content":10216,"link_heading":1363},"What if an aggressive driver follows you?",[10217,10221,10224,10227,10230,10233,10236,10239,10242,10245],{"type":70,"text":10218,"spans":10219,"direction":73},"If you believe another driver is deliberately following you, don't drive straight home.",[10220],{"start":2227,"end":3318,"type":1756},{"type":70,"text":10222,"spans":10223,"direction":73},"Instead, continue towards a safe, populated location or the nearest police station.",[],{"type":70,"text":10225,"spans":10226,"direction":73},"SAPS advises motorists who are confronted by aggressive drivers to contact the police or drive to a police station.",[],{"type":70,"text":10228,"spans":10229,"direction":73},"Where possible:",[],{"type":2272,"text":10231,"spans":10232,"direction":73},"keep your doors locked",[],{"type":2272,"text":10234,"spans":10235,"direction":73},"keep your windows closed",[],{"type":2272,"text":10237,"spans":10238,"direction":73},"avoid stopping somewhere isolated",[],{"type":2272,"text":10240,"spans":10241,"direction":73},"don't get out to confront the other driver",[],{"type":2272,"text":10243,"spans":10244,"direction":73},"contact SAPS if you believe you are in danger.",[],{"type":70,"text":10246,"spans":10247,"direction":73},"The SAPS emergency number is 10111.",[10248],{"start":2528,"end":2541,"type":1756},"article_content_text$d30e70f4-802e-4391-8047-50186d2d2a00",{"variation":1506,"version":1482,"items":10251,"primary":10252,"id":10285,"slice_type":10096,"slice_label":9},[],{"heading":10253,"content":10254,"link_heading":1363},"What if you're the one getting angry?",[10255,10258,10261,10264,10267,10270,10273,10276,10279,10282],{"type":70,"text":10256,"spans":10257,"direction":73},"Road rage doesn't always start with somebody else.",[],{"type":70,"text":10259,"spans":10260,"direction":73},"Traffic, running late, tiredness and frustration can change the way we react behind the wheel.",[],{"type":70,"text":10262,"spans":10263,"direction":73},"SANRAL's discussion of road aggression highlights the importance of recognising personal triggers before they turn into dangerous behaviour.",[],{"type":70,"text":10265,"spans":10266,"direction":73},"If you notice yourself becoming angry:",[],{"type":2272,"text":10268,"spans":10269,"direction":73},"create more space between you and other vehicles",[],{"type":2272,"text":10271,"spans":10272,"direction":73},"stop treating the journey like a competition",[],{"type":2272,"text":10274,"spans":10275,"direction":73},"avoid retaliating when another driver makes a mistake",[],{"type":2272,"text":10277,"spans":10278,"direction":73},"allow extra travel time where possible",[],{"type":2272,"text":10280,"spans":10281,"direction":73},"pull over somewhere safe if you need time to calm down.",[],{"type":70,"text":10283,"spans":10284,"direction":73},"You cannot control another driver's behaviour, but you can control whether you add to the confrontation.",[],"article_content_text$f79a3403-3f46-40dd-a49c-deab2fb63a26",{"variation":1506,"version":1482,"items":10287,"primary":10288,"id":10321,"slice_type":10096,"slice_label":9},[],{"heading":10289,"content":10290,"link_heading":1363},"What should you do if road rage causes an accident?",[10291,10294,10297,10300,10303,10306,10309,10312,10315],{"type":70,"text":10292,"spans":10293,"direction":73},"If a road-rage incident results in a collision, switch your focus from the argument to safety and the accident process.",[],{"type":70,"text":10295,"spans":10296,"direction":73},"If it is safe to do so:",[],{"type":2223,"text":10298,"spans":10299,"direction":73},"Move yourself out of immediate danger.",[],{"type":2223,"text":10301,"spans":10302,"direction":73},"Check whether anybody needs emergency assistance.",[],{"type":2223,"text":10304,"spans":10305,"direction":73},"Avoid continuing an argument with the other driver.",[],{"type":2223,"text":10307,"spans":10308,"direction":73},"Record relevant information about the vehicles and incident when it is safe.",[],{"type":2223,"text":10310,"spans":10311,"direction":73},"Report the incident to the appropriate authorities where required.",[],{"type":2223,"text":10313,"spans":10314,"direction":73},"Contact your insurer and follow the claims process.",[],{"type":70,"text":10316,"spans":10317,"direction":73},"MiWay has a more detailed step-by-step guide on what to do after a car accident that can help motorists understand what comes next.",[10318],{"start":10319,"end":10320,"type":1756},26,79,"article_content_text$22c01588-e6f1-426c-a506-e1c3355b97c0",{"variation":1506,"version":1482,"items":10323,"primary":10324,"id":10346,"slice_type":10096,"slice_label":9},[],{"heading":10325,"content":10326,"link_heading":1363},"Can road rage affect your car insurance claim?",[10327,10331,10334,10337,10340,10343],{"type":70,"text":10328,"spans":10329,"direction":73},"This is where road safety and car insurance intersect.",[10330],{"start":2124,"end":44,"type":1756},{"type":70,"text":10332,"spans":10333,"direction":73},"If your vehicle is damaged during an incident involving another road user, whether and how the damage is covered depends on the circumstances and the terms and conditions of your policy.",[],{"type":70,"text":10335,"spans":10336,"direction":73},"There is also an important distinction between being caught up in an incident and deliberately causing damage yourself.",[],{"type":70,"text":10338,"spans":10339,"direction":73},"Insurance shouldn't be treated as permission to retaliate. Deliberate or unlawful conduct can raise very different coverage questions from an ordinary accidental collision.",[],{"type":70,"text":10341,"spans":10342,"direction":73},"If road rage results in damage to your vehicle, provide your insurer with accurate information about what happened and follow the required claims procedure.",[],{"type":70,"text":10344,"spans":10345,"direction":73},"If you're unsure about your cover, review your policy wording or contact your insurer rather than assuming an incident will automatically be covered.",[],"article_content_text$67b529d6-60fe-41cf-9f68-59fc2483301f",{"variation":1506,"version":1482,"items":10348,"primary":10349,"id":10385,"slice_type":10096,"slice_label":9},[],{"heading":10350,"content":10351,"link_heading":1363},"How can you reduce your chances of road rage?",[10352,10355,10358,10361,10364,10367,10370,10373,10376,10379,10382],{"type":70,"text":10353,"spans":10354,"direction":73},"Defensive driving can help prevent frustration from becoming confrontation.",[],{"type":70,"text":10356,"spans":10357,"direction":73},"Try to:",[],{"type":2272,"text":10359,"spans":10360,"direction":73},"leave enough following distance",[],{"type":2272,"text":10362,"spans":10363,"direction":73},"signal before changing lanes",[],{"type":2272,"text":10365,"spans":10366,"direction":73},"avoid tailgating",[],{"type":2272,"text":10368,"spans":10369,"direction":73},"allow other drivers to merge where possible",[],{"type":2272,"text":10371,"spans":10372,"direction":73},"use your horn only when necessary",[],{"type":2272,"text":10374,"spans":10375,"direction":73},"give yourself enough travelling time",[],{"type":2272,"text":10377,"spans":10378,"direction":73},"accept that other motorists will sometimes make mistakes",[],{"type":2272,"text":10380,"spans":10381,"direction":73},"avoid driving when you're already highly frustrated.",[],{"type":70,"text":10383,"spans":10384,"direction":73},"SAPS puts the principle simply: motorists cannot control the traffic, but they can control their reaction to it.",[],"article_content_text$238bb964-38c3-408c-9ad0-419fa08b3cb1",{"variation":1506,"version":1482,"items":10387,"primary":10388,"id":10440,"slice_type":10096,"slice_label":9},[],{"heading":10389,"content":10390,"link_heading":1363},"Road rage: a quick safety checklist",[10391,10394,10398,10402,10406,10410,10414,10418,10422,10426,10430,10434,10437],{"type":70,"text":10392,"spans":10393,"direction":73},"If another driver becomes aggressive:",[],{"type":2272,"text":10395,"spans":10396,"direction":73},"Stay calm",[10397],{"start":28,"end":2939,"type":1756},{"type":2272,"text":10399,"spans":10400,"direction":73},"Don't retaliate",[10401],{"start":28,"end":861,"type":1756},{"type":2272,"text":10403,"spans":10404,"direction":73},"Create distance",[10405],{"start":28,"end":861,"type":1756},{"type":2272,"text":10407,"spans":10408,"direction":73},"Keep your doors locked",[10409],{"start":28,"end":1613,"type":1756},{"type":2272,"text":10411,"spans":10412,"direction":73},"Stay inside the vehicle if confronted",[10413],{"start":28,"end":1723,"type":1756},{"type":2272,"text":10415,"spans":10416,"direction":73},"Let the aggressive driver pass where safe",[10417],{"start":28,"end":2350,"type":1756},{"type":2272,"text":10419,"spans":10420,"direction":73},"Don't drive home if you're being followed",[10421],{"start":28,"end":2350,"type":1756},{"type":2272,"text":10423,"spans":10424,"direction":73},"Head towards a police station or other safe location",[10425],{"start":28,"end":2351,"type":1756},{"type":2272,"text":10427,"spans":10428,"direction":73},"Call SAPS if you believe you're in danger",[10429],{"start":28,"end":2350,"type":1756},{"type":2272,"text":10431,"spans":10432,"direction":73},"Follow the proper accident and insurance process if damage occurs",[10433],{"start":28,"end":2682,"type":1756},{"type":70,"text":10435,"spans":10436,"direction":73},"The objective isn't to win the argument.",[],{"type":70,"text":10438,"spans":10439,"direction":73},"It's to get everyone in your vehicle home safely.",[],"article_content_text$b4e4317b-0464-4679-8b2a-323dbdb48051",{"variation":10442,"version":1482,"items":10443,"primary":10444,"id":10478,"slice_type":10096,"slice_label":9},"subheadingBulletLists",[],{"heading":10445,"content":10446,"sub_sections":10447,"link_heading":1363},"Road rage FAQs",[],[10448,10454,10460,10466,10472],{"subheading":10449,"list":10450,"link_subsection":1363},"Should I get out of my car if another driver confronts me?",[10451],{"type":70,"text":10452,"spans":10453,"direction":73},"Generally, avoid leaving your vehicle to confront an aggressive driver. SAPS recommends keeping your doors locked and avoiding conflict.",[],{"subheading":10455,"list":10456,"link_subsection":1363},"What should I do if a road-rage driver follows me?",[10457],{"type":70,"text":10458,"spans":10459,"direction":73},"Don't lead them to your home. Head towards a police station or another safe location and contact SAPS if you believe you're in danger.",[],{"subheading":10461,"list":10462,"link_subsection":1363},"Should I respond if someone swears or gestures at me?",[10463],{"type":70,"text":10464,"spans":10465,"direction":73},"Avoid retaliating. Responding can escalate the situation rather than resolve it.",[],{"subheading":10467,"list":10468,"link_subsection":1363},"Can road rage affect a car insurance claim?",[10469],{"type":70,"text":10470,"spans":10471,"direction":73},"The answer depends on what happened and the terms of the policy. Accidental vehicle damage and deliberately caused damage may be treated differently, so give your insurer a full and accurate account of the incident.",[],{"subheading":10473,"list":10474,"link_subsection":1363},"What causes road rage?",[10475],{"type":70,"text":10476,"spans":10477,"direction":73},"Common triggers can include traffic congestion, running late, frustration and another road user's behaviour. Your response to those triggers matters, defensive driving and allowing additional journey time can reduce the likelihood of escalation.",[],"article_content_text$cbcd1771-5c7c-4571-977e-88a39a6d712d",{"variation":1506,"version":1482,"items":10480,"primary":10481,"id":10505,"slice_type":10096,"slice_label":9},[],{"heading":10482,"content":10483,"link_heading":1363},"Keep your cool and protect what moves you",[10484,10487,10490,10493],{"type":70,"text":10485,"spans":10486,"direction":73},"A stressful moment on the road doesn't have to become a dangerous confrontation.",[],{"type":70,"text":10488,"spans":10489,"direction":73},"Give other drivers space, don't retaliate and put safety ahead of being right.",[],{"type":70,"text":10491,"spans":10492,"direction":73},"And because not every incident on the road can be avoided, it also helps to understand the protection available to you.",[],{"type":70,"text":10494,"spans":10495,"direction":73},"Learn more about Miway car insurance or get a car insurance quote to find cover that suits the way you drive.",[10496,10500,10501,10504],{"start":28,"end":1695,"type":216,"data":10497},{"link_type":78,"url":10498,"target":10499},"https://www.miway.co.za/car-insurance/","_new",{"start":28,"end":1695,"type":1756},{"start":1957,"end":2682,"type":216,"data":10502},{"link_type":78,"url":10503,"target":10499},"https://www.miway.co.za/car-insurance-quotes",{"start":1957,"end":2682,"type":1756},"article_content_text$7a988abc-e11f-49a1-ab30-00d25b2eb96e","Road Rage and How to Deal With It | Miway Car Insurance","We often hear that one’s true character is revealed in the way they treat others, especially those not in one’s personal circle of 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from the Road Accident Fund",{"id":1338,"type":1339,"tags":10545,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":10546,"isBroken":395},[],"bb732776-6f5b-4f21-9f33-327b682b0e79",{"id":10049,"type":10050,"tags":10548,"lang":16,"slug":10052,"first_publication_date":10053,"last_publication_date":10054,"uid":10055,"url":1343,"link_type":393,"key":10549,"isBroken":395},[],"649d8df6-1d40-4e6c-b304-39556be7693a",{"id":626,"type":515,"tags":10551,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":10552,"isBroken":395},[519],"5c8c7268-71d9-4cb9-b77a-099158f2c3a9",{"dimensions":10554,"alt":10557,"copyright":9,"url":10558,"id":10559,"edit":10560},{"width":10555,"height":10556},1049,384,"claiming road accident fund ","https://images.prismic.io/miway-website/Z6MzbZbqstJ9-Pc-_ClaimingFromTheRoadAccidentFund.jpeg?auto=format,compress","Z6MzbZbqstJ9-Pc-",{"x":28,"y":28,"zoom":29,"background":30},[10562,10585,10607,10634,10681,10709,10826,10852,10868,10886,10931,10969,11013],{"variation":1506,"version":1482,"items":10563,"primary":10564,"id":10584,"slice_type":10096,"slice_label":9},[],{"heading":9,"content":10565,"link_heading":1363},[10566,10578,10581],{"type":70,"text":10567,"spans":10568,"direction":73},"If you're injured in a road accident in South Africa, you may be able to claim compensation from the Road Accident Fund (RAF). But a RAF claim isn't the same as a car insurance claim, and understanding the difference can help you know where to turn after an accident.",[10569,10573,10574,10577],{"start":3322,"end":10570,"type":216,"data":10571},119,{"link_type":78,"url":10572,"target":135},"https://www.raf.co.za/Pages/Default.aspx",{"start":3322,"end":3702,"type":1756},{"start":3707,"end":10575,"type":216,"data":10576},176,{"link_type":78,"url":10093,"target":135},{"start":3707,"end":10575,"type":1756},{"type":70,"text":10579,"spans":10580,"direction":73},"The RAF is a statutory fund established under the Road Accident Fund Act 56 of 1996. It provides compensation for qualifying loss or damage arising from bodily injury or death caused by the negligent driving of motor vehicles in South Africa.",[],{"type":70,"text":10582,"spans":10583,"direction":73},"Here's what you need to know about who may claim, what you may claim for, important time limits and the information you'll need.",[],"article_content_text$c3d1b12a-1fa4-40ee-acfc-bf9e23777dc9",{"variation":1506,"version":1482,"items":10586,"primary":10587,"id":10606,"slice_type":10096,"slice_label":9},[],{"heading":10588,"content":10589,"link_heading":1363},"What is the Road Accident Fund?",[10590,10593,10596,10600,10604],{"type":70,"text":10591,"spans":10592,"direction":73},"The Road Accident Fund provides compulsory cover to road users in South Africa for qualifying loss resulting from bodily injury or death caused by the negligent driving of a motor vehicle.",[],{"type":70,"text":10594,"spans":10595,"direction":73},"This can include drivers, passengers, pedestrians and other road users, depending on the circumstances of the accident and responsibility for it.",[],{"type":70,"text":10597,"spans":10598,"direction":73},"It's important to understand that a RAF claim and a car insurance claim serve different purposes.",[10599],{"start":2351,"end":3726,"type":1756},{"type":70,"text":10601,"spans":10602,"direction":73},"The RAF deals primarily with qualifying bodily injury and death-related compensation. It does not compensate you for damage to your vehicle or other property.",[10603],{"start":2301,"end":4667,"type":1756},{"type":70,"text":1781,"spans":10605,"direction":73},[],"article_content_text$63eb9b19-0bcc-4cea-ab76-6638de992af5",{"variation":1506,"version":1482,"items":10608,"primary":10609,"id":10633,"slice_type":10096,"slice_label":9},[],{"heading":10610,"content":10611,"link_heading":1363},"Who can claim from the Road Accident Fund?",[10612,10615,10618,10621,10624,10627,10630],{"type":70,"text":10613,"spans":10614,"direction":73},"According to current RAF guidance, potential claimants can include:",[],{"type":2272,"text":10616,"spans":10617,"direction":73},"a person injured in a motor vehicle accident, provided they weren't 100% responsible for causing it",[],{"type":2272,"text":10619,"spans":10620,"direction":73},"a dependant of someone who died in a motor vehicle accident, subject to the applicable requirements",[],{"type":2272,"text":10622,"spans":10623,"direction":73},"a close relative who incurred qualifying funeral expenses",[],{"type":2272,"text":10625,"spans":10626,"direction":73},"a parent or legal guardian acting for a minor",[],{"type":2272,"text":10628,"spans":10629,"direction":73},"certain other representatives recognised by the RAF process.",[],{"type":70,"text":10631,"spans":10632,"direction":73},"Eligibility depends on the circumstances, so being involved in a road accident doesn't automatically mean that compensation will be payable.",[],"article_content_text$ea2d8dfb-d751-4ce1-8224-0ccabc78e532",{"variation":1506,"version":1482,"items":10635,"primary":10636,"id":10680,"slice_type":10096,"slice_label":9},[],{"heading":10637,"content":10638,"link_heading":1363},"What can you claim from the RAF?",[10639,10642,10646,10649,10653,10656,10660,10663,10667,10670,10674,10677],{"type":70,"text":10640,"spans":10641,"direction":73},"Depending on the circumstances and applicable requirements, RAF compensation may include:",[],{"type":70,"text":10643,"spans":10644,"direction":73},"Past and future medical expenses",[10645],{"start":28,"end":705,"type":1756},{"type":70,"text":10647,"spans":10648,"direction":73},"Qualifying hospital, medical and related treatment costs resulting from injuries caused by the accident.",[],{"type":70,"text":10650,"spans":10651,"direction":73},"Past and future loss of income",[10652],{"start":28,"end":2124,"type":1756},{"type":70,"text":10654,"spans":10655,"direction":73},"If your injuries affect your ability to work or earn an income, qualifying past or future loss of earnings may form part of the claim.",[],{"type":70,"text":10657,"spans":10658,"direction":73},"Loss of support",[10659],{"start":28,"end":861,"type":1756},{"type":70,"text":10661,"spans":10662,"direction":73},"Dependants of a breadwinner who dies following a qualifying road accident may be able to claim for loss of financial support.",[],{"type":70,"text":10664,"spans":10665,"direction":73},"Funeral expenses",[10666],{"start":28,"end":1863,"type":1756},{"type":70,"text":10668,"spans":10669,"direction":73},"Certain necessary funeral expenses may be claimed.",[],{"type":70,"text":10671,"spans":10672,"direction":73},"General damages for serious injuries",[10673],{"start":28,"end":1695,"type":1756},{"type":70,"text":10675,"spans":10676,"direction":73},"General damages relating to pain, suffering and disfigurement are subject to the RAF's serious-injury requirements.",[],{"type":70,"text":10678,"spans":10679,"direction":73},"These categories are reflected in the RAF's current claimant guidance and prescribed claim documentation.",[],"article_content_text$5f9608f3-e6fb-4bf9-9f21-38c0ef30178d",{"variation":1506,"version":1482,"items":10682,"primary":10683,"id":10708,"slice_type":10096,"slice_label":9},[],{"heading":10684,"content":10685,"link_heading":1363},"Can you claim for damage to your car from the RAF?",[10686,10690,10693,10698,10701],{"type":70,"text":10687,"spans":10688,"direction":73},"No. The RAF does not compensate motorists for property damage.",[10689],{"start":28,"end":5672,"type":1756},{"type":70,"text":10691,"spans":10692,"direction":73},"This distinction is important.",[],{"type":70,"text":10694,"spans":10695,"direction":73},"A RAF claim deals with qualifying bodily injury or death-related losses. Damage to your vehicle is a separate matter and may instead involve your car insurance, another driver's insurer or recovery from the responsible party, depending on the circumstances.",[10696],{"start":10697,"end":5803,"type":1756},146,{"type":70,"text":10699,"spans":10700,"direction":73},"If your vehicle has been damaged, notify your insurer promptly and follow the claims process required by your policy.",[],{"type":70,"text":10702,"spans":10703,"direction":73},"Miway's car insurance claims guide explains common questions about submitting an insurance claim.",[10704,10707],{"start":2474,"end":2541,"type":216,"data":10705},{"link_type":78,"url":10706,"target":10499},"https://www.miway.co.za/blog/frequently-asked-questions-regarding-car-insurance-claims",{"start":2474,"end":2541,"type":1756},"article_content_text$db0e94fd-bf5f-4e76-bbcf-20410cba8a0f",{"variation":10442,"version":1482,"items":10710,"primary":10711,"id":10825,"slice_type":10096,"slice_label":9},[],{"heading":10712,"content":10713,"sub_sections":10717,"link_heading":1363},"How do you claim from the Road Accident Fund?",[10714],{"type":70,"text":10715,"spans":10716,"direction":73},"The RAF claim process requires prescribed documentation and supporting evidence.",[],[10718,10753,10777,10789,10816],{"subheading":10719,"list":10720,"link_subsection":1363},"Report and document the accident",[10721,10724,10727,10730,10733,10736,10739,10742,10745,10748],{"type":70,"text":10722,"spans":10723,"direction":73},"Following an accident, record as much accurate information as you safely can.",[],{"type":70,"text":10725,"spans":10726,"direction":73},"This can include:",[],{"type":2272,"text":10728,"spans":10729,"direction":73},"police accident information and the relevant reference or case number",[],{"type":2272,"text":10731,"spans":10732,"direction":73},"names and contact information for people involved",[],{"type":2272,"text":10734,"spans":10735,"direction":73},"witness information",[],{"type":2272,"text":10737,"spans":10738,"direction":73},"photographs and other evidence",[],{"type":2272,"text":10740,"spans":10741,"direction":73},"vehicle and driver details",[],{"type":2272,"text":10743,"spans":10744,"direction":73},"medical treatment information.",[],{"type":70,"text":10746,"spans":10747,"direction":73},"The RAF specifically identifies police records, witness information and medical records among the documents claimants should retain or obtain.",[],{"type":70,"text":10749,"spans":10750,"direction":73},"For a more complete accident checklist, read MiWay's step-by-step guide on what to do after a car accident in South Africa",[10751],{"start":1796,"end":10752,"type":1756},122,{"subheading":10754,"list":10755,"link_subsection":1363},"Get the relevant medical records",[10756,10759,10762,10765,10768,10771,10774],{"type":70,"text":10757,"spans":10758,"direction":73},"Medical evidence is particularly important because RAF compensation relates to injury and associated losses.",[],{"type":70,"text":10760,"spans":10761,"direction":73},"Keep records of:",[],{"type":2272,"text":10763,"spans":10764,"direction":73},"hospitals and medical facilities attended",[],{"type":2272,"text":10766,"spans":10767,"direction":73},"treating medical practitioners",[],{"type":2272,"text":10769,"spans":10770,"direction":73},"medical reports",[],{"type":2272,"text":10772,"spans":10773,"direction":73},"hospital and medical accounts",[],{"type":2272,"text":10775,"spans":10776,"direction":73},"ongoing treatment related to your injuries.",[],{"subheading":10778,"list":10779,"link_subsection":1363},"Complete the prescribed RAF claim forms",[10780,10783,10786],{"type":70,"text":10781,"spans":10782,"direction":73},"A RAF claim must be lodged using the prescribed documentation.",[],{"type":70,"text":10784,"spans":10785,"direction":73},"The RAF states that applicable sections of the claim form must be completed and relevant medical information supplied.",[],{"type":70,"text":10787,"spans":10788,"direction":73},"Incomplete information may result in the RAF requesting additional documentation before it can properly assess the claim.",[],{"subheading":10790,"list":10791,"link_subsection":1363},"Submit supporting evidence",[10792,10795,10798,10801,10804,10807,10810,10813],{"type":70,"text":10793,"spans":10794,"direction":73},"Depending on the claim, this could include evidence relating to:",[],{"type":2272,"text":10796,"spans":10797,"direction":73},"injuries",[],{"type":2272,"text":10799,"spans":10800,"direction":73},"medical expenses",[],{"type":2272,"text":10802,"spans":10803,"direction":73},"loss of earnings",[],{"type":2272,"text":10805,"spans":10806,"direction":73},"loss of support",[],{"type":2272,"text":10808,"spans":10809,"direction":73},"funeral expenses",[],{"type":2272,"text":10811,"spans":10812,"direction":73},"the circumstances of the accident.",[],{"type":70,"text":10814,"spans":10815,"direction":73},"The documents required will depend on the nature of the claim.",[],{"subheading":10817,"list":10818,"link_subsection":1363},"The RAF assesses the claim",[10819,10822],{"type":70,"text":10820,"spans":10821,"direction":73},"Once submitted, the RAF registers and investigates the claim.",[],{"type":70,"text":10823,"spans":10824,"direction":73},"According to its guidance, this involves considering whether the claim complies with statutory requirements, the degree of fault or negligence involved and the value of qualifying losses.",[],"article_content_text$64b3e3c7-abe0-4317-a1ee-a6aa8a16c939",{"variation":1506,"version":1482,"items":10827,"primary":10828,"id":10851,"slice_type":10096,"slice_label":9},[],{"heading":10829,"content":10830,"link_heading":1363},"How long do you have to submit a RAF claim?",[10831,10834,10839,10845,10848],{"type":70,"text":10832,"spans":10833,"direction":73},"This is one of the most important parts of the process.",[],{"type":70,"text":10835,"spans":10836,"direction":73},"Where the identity of the negligent driver or vehicle owner is known, the Road Accident Fund Act generally provides a three-year prescription period from the date the cause of action arose.",[10837],{"start":2330,"end":10838,"type":1756},148,{"type":70,"text":10840,"spans":10841,"direction":73},"Different requirements can apply where the responsible driver or vehicle owner cannot be identified, such as certain hit-and-run cases. Government and SANRAL guidance describes a two-year period for lodging these claims.",[10842],{"start":10843,"end":10844,"type":1756},179,219,{"type":70,"text":10846,"spans":10847,"direction":73},"There are also circumstances where different rules or exceptions may apply.",[],{"type":70,"text":10849,"spans":10850,"direction":73},"Don't wait until a deadline is approaching before seeking information about your particular claim.",[],"article_content_text$f290eab5-0c2c-4677-a63f-15ea285ad1cb",{"variation":1506,"version":1482,"items":10853,"primary":10854,"id":10867,"slice_type":10096,"slice_label":9},[],{"heading":10855,"content":10856,"link_heading":1363},"Do you need a lawyer to claim from the RAF?",[10857,10860,10864],{"type":70,"text":10858,"spans":10859,"direction":73},"Not necessarily.",[],{"type":70,"text":10861,"spans":10862,"direction":73},"The RAF states that a claimant can submit a direct claim without employing a lawyer and that RAF information officers can assist claimants. Alternatively, a claimant may choose to obtain legal representation.",[10863],{"start":2679,"end":3725,"type":1756},{"type":70,"text":10865,"spans":10866,"direction":73},"Whether professional assistance is appropriate will depend on the circumstances and complexity of the claim.",[],"article_content_text$0294b7d1-fa60-467a-aefe-fe5cb6bfc435",{"variation":1506,"version":1482,"items":10869,"primary":10870,"id":10885,"slice_type":10096,"slice_label":9},[],{"heading":10871,"content":10872,"link_heading":1363},"How long does a RAF claim take?",[10873,10876,10879,10882],{"type":70,"text":10874,"spans":10875,"direction":73},"There isn't one reliable timeframe that applies to every RAF claim.",[],{"type":70,"text":10877,"spans":10878,"direction":73},"The process can vary depending on the complexity of the accident, injuries involved, completeness of documentation, medical assessments, questions of negligence and whether disputes arise.",[],{"type":70,"text":10880,"spans":10881,"direction":73},"For that reason, the old claim-duration figure previously used in this article has not been carried forward.",[],{"type":70,"text":10883,"spans":10884,"direction":73},"Rather than relying on an average, make sure documentation is complete and keep track of correspondence and requests relating to your claim.",[],"article_content_text$34de3c37-c061-4028-ab26-90c26674221f",{"variation":1506,"version":1482,"items":10887,"primary":10888,"id":10930,"slice_type":10096,"slice_label":9},[],{"heading":10889,"content":10890,"link_heading":1363},"RAF claim vs car insurance claim: what's the difference?",[10891,10895,10897,10900,10903,10906,10909,10913,10915,10918,10921,10924,10927],{"type":70,"text":10892,"spans":10893,"direction":73},"This distinction can be confusing after an accident.\n\nRAF claim",[10894],{"start":1813,"end":2211,"type":1756},{"type":70,"text":1781,"spans":10896,"direction":73},[],{"type":70,"text":10898,"spans":10899,"direction":73},"Primarily concerns qualifying bodily injury/death-related loss",[],{"type":70,"text":10901,"spans":10902,"direction":73},"Governed by the Road Accident Fund legislation",[],{"type":70,"text":10904,"spans":10905,"direction":73},"Property damage isn't covered by RAF",[],{"type":70,"text":10907,"spans":10908,"direction":73},"May involve medical expenses and loss of earnings",[],{"type":70,"text":10910,"spans":10911,"direction":73},"Submitted to the RAF\n\nCar insurance claim",[10912],{"start":1613,"end":2350,"type":1756},{"type":70,"text":1781,"spans":10914,"direction":73},[],{"type":70,"text":10916,"spans":10917,"direction":73},"Can cover insured vehicle/property loss or damage",[],{"type":70,"text":10919,"spans":10920,"direction":73},"Governed by your insurance policy",[],{"type":70,"text":10922,"spans":10923,"direction":73},"Vehicle damage may be covered depending on your policy",[],{"type":70,"text":10925,"spans":10926,"direction":73},"May involve vehicle repair/replacement and other insured benefits",[],{"type":70,"text":10928,"spans":10929,"direction":73},"Submitted to your insurer\n\n\n",[],"article_content_text$a6dc53b0-fd03-4911-b0be-e18007877562",{"variation":1506,"version":1482,"items":10932,"primary":10933,"id":10968,"slice_type":10096,"slice_label":9},[],{"heading":10934,"content":10935,"link_heading":1363},"What documents should you keep after an accident?",[10936,10939,10942,10945,10948,10951,10953,10956,10959,10962,10965],{"type":70,"text":10937,"spans":10938,"direction":73},"Keep a complete accident file containing whatever applies to your circumstances, including:",[],{"type":2272,"text":10940,"spans":10941,"direction":73},"police accident documentation",[],{"type":2272,"text":10943,"spans":10944,"direction":73},"photographs",[],{"type":2272,"text":10946,"spans":10947,"direction":73},"witness details",[],{"type":2272,"text":10949,"spans":10950,"direction":73},"medical reports and records",[],{"type":2272,"text":10772,"spans":10952,"direction":73},[],{"type":2272,"text":10954,"spans":10955,"direction":73},"proof of income or financial loss",[],{"type":2272,"text":10957,"spans":10958,"direction":73},"relevant receipts",[],{"type":2272,"text":10960,"spans":10961,"direction":73},"correspondence relating to the accident",[],{"type":2272,"text":10963,"spans":10964,"direction":73},"insurance claim information.",[],{"type":70,"text":10966,"spans":10967,"direction":73},"Don't discard original documents simply because you've submitted copies.",[],"article_content_text$af64834c-48c1-4471-9e1b-c1cb13c86d7c",{"variation":10442,"version":1482,"items":10970,"primary":10971,"id":11012,"slice_type":10096,"slice_label":9},[],{"heading":10972,"content":10973,"sub_sections":10974,"link_heading":1363},"Road Accident Fund FAQs",[],[10975,10981,10987,10994,11000,11006],{"subheading":10976,"list":10977,"link_subsection":1363},"Can a passenger claim from the RAF?",[10978],{"type":70,"text":10979,"spans":10980,"direction":73},"A passenger injured because of negligent driving may potentially qualify to claim, depending on the circumstances and RAF requirements.",[],{"subheading":10982,"list":10983,"link_subsection":1363},"Can a pedestrian claim from the RAF?",[10984],{"type":70,"text":10985,"spans":10986,"direction":73},"Potentially, yes. The RAF provides compulsory cover to qualifying road users, which can include pedestrians injured as a result of negligent driving.",[],{"subheading":10988,"list":10989,"link_subsection":1363},"Can you claim from RAF if you caused the accident?",[10990],{"type":70,"text":10991,"spans":10992,"direction":73},"A person who was 100% responsible for causing the accident generally cannot claim compensation for their own injuries. Where responsibility is shared, the circumstances and degree of fault can affect the claim.",[10993],{"start":2006,"end":214,"type":1756},{"subheading":10995,"list":10996,"link_subsection":1363},"Can RAF pay for damage to my car?",[10997],{"type":70,"text":10998,"spans":10999,"direction":73},"No. The RAF expressly states that property damage cannot be claimed from the Fund. Vehicle damage may instead involve car insurance or recovery from the responsible party.",[],{"subheading":11001,"list":11002,"link_subsection":1363},"How long do I have to claim from RAF?",[11003],{"type":70,"text":11004,"spans":11005,"direction":73},"Where the negligent driver or owner is identified, the general statutory prescription period is three years. Different rules apply in certain circumstances, including unidentified-driver cases.",[],{"subheading":11007,"list":11008,"link_subsection":1363},"Do I need an attorney to lodge a RAF claim?",[11009],{"type":70,"text":11010,"spans":11011,"direction":73},"No. The RAF states that claimants can lodge claims directly, although people may choose to obtain legal representation depending on their circumstances.",[],"article_content_text$b618c7fa-6f81-46b3-80b4-694d3c9d9120",{"variation":1506,"version":1482,"items":11014,"primary":11015,"id":11039,"slice_type":10096,"slice_label":9},[],{"heading":11016,"content":11017,"link_heading":1363},"Know what to do after an accident",[11018,11023,11026,11033],{"type":70,"text":11019,"spans":11020,"direction":73},"An accident can involve several different processes at once. Medical treatment, police reporting, a RAF claim and a car insurance claim may each have different requirements.",[11021],{"start":2376,"end":11022,"type":1756},129,{"type":70,"text":11024,"spans":11025,"direction":73},"Knowing which process applies — and keeping accurate records from the beginning — can make the next steps easier.",[],{"type":70,"text":11027,"spans":11028,"direction":73},"If your vehicle has been damaged, learn how Miway's claims process works.",[11029,11032],{"start":2541,"end":2371,"type":216,"data":11030},{"link_type":78,"url":11031,"target":10499},"https://www.miway.co.za/blog/car-insurance/know-your-way-through-a-claim",{"start":2541,"end":2371,"type":1756},{"type":70,"text":11034,"spans":11035,"direction":73},"Looking for cover before the unexpected happens? Get a Miway car insurance quote.",[11036,11038],{"start":5942,"end":722,"type":216,"data":11037},{"link_type":78,"url":10503,"target":10499},{"start":5942,"end":722,"type":1756},"article_content_text$df6f036a-de0e-48bb-8f6d-e7c8cc28aa79","Claiming from the Road Accident Fund | Miway Car Insurance","The Road Accident Fund is a statutory body that, in terms of the provisions of the Road Accident Fund Act exists to provide compulsory cover to all users of SA roads","car insurance, road accident fund",{"dimensions":11044,"alt":9,"copyright":9,"url":11045,"id":10559,"edit":11046},{"width":10510,"height":10511},"https://images.prismic.io/miway-website/Z6MzbZbqstJ9-Pc-_ClaimingFromTheRoadAccidentFund.jpeg?auto=format,compress&rect=159,0,731,384&w=2400&h=1260",{"x":5803,"y":28,"zoom":29,"background":30},{"link_type":35},[11049],{"type":70,"text":11050,"spans":11051,"direction":73},"The Road Accident Fund, or RAF, is a statutory body that, in terms of the provisions of the Road Accident Fund Act (Act 56 of 1996).",[],{"id":11053,"type":10521,"tags":11054,"lang":16,"slug":11055,"first_publication_date":11056,"last_publication_date":11057,"uid":11058,"link_type":393,"key":11059,"isBroken":395},"ZwY4_BAAACAAqBd3",[],"need-some-help","2024-10-09T08:04:18+0000","2025-05-26T06:48:28+0000","test-block","a01e39f1-8379-4d2f-8598-74f9a88e431e",[],{"dimensions":11062,"alt":10557,"copyright":9,"url":10558,"id":10559,"edit":11063},{"width":10555,"height":10556},{"x":28,"y":28,"zoom":29,"background":30},{"id":11065,"uid":11066,"url":11067,"type":4895,"href":11068,"tags":11069,"first_publication_date":11070,"last_publication_date":11071,"slugs":11072,"linked_documents":11073,"lang":16,"alternate_languages":11074,"data":11075},"Z9gQ1BAAACcA7hM2","road-rage-drivers-vs-pedestrians","/blog/road-rage-drivers-vs-pedestrians","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z9gQ1BAAACcA7hM2%22%29+%5D%5D",[10034,996,688],"2025-03-17T12:08:54+0000","2026-08-31T10:09:01+0000",[10039],[],[],{"date":10043,"heading":11076,"duration":3276,"article_type":11077,"category":11080,"related_product":11083,"thumbnail":11086,"type":10068,"related_insurance":10069,"slices":11092,"meta_title":11076,"meta_description":11597,"meta_keywords":9,"meta_image":11598,"canonical":11603,"intro":11604,"author":10518,"service_block":11607,"in_this_article":11610,"hero_image":11613},"Road Rage: Drivers vs pedestrians",{"id":1338,"type":1339,"tags":11078,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":11079,"isBroken":395},[],"e2f1ce10-0697-4a83-ac64-2589f3a6382a",{"id":10049,"type":10050,"tags":11081,"lang":16,"slug":10052,"first_publication_date":10053,"last_publication_date":10054,"uid":10055,"url":1343,"link_type":393,"key":11082,"isBroken":395},[],"bfe08707-0975-4892-81c9-90609f48bc31",{"id":849,"type":515,"tags":11084,"lang":16,"slug":851,"first_publication_date":852,"last_publication_date":853,"uid":851,"url":854,"link_type":393,"key":11085,"isBroken":395},[688,517,519],"c3ca84ae-5d05-4662-9ce7-47617dd26c6c",{"dimensions":11087,"alt":9,"copyright":9,"url":11089,"id":11090,"edit":11091},{"width":11088,"height":5987},1264,"https://images.prismic.io/miway-website/Z9gQWziBA97Gii_x_Road_Rage-Drivers_vs_pedestrians.jpeg?auto=format,compress","Z9gQWziBA97Gii_x",{"x":28,"y":28,"zoom":29,"background":30},[11093,11117,11154,11177,11250,11289,11312,11356,11394,11417,11451,11470,11525,11563],{"variation":1506,"version":1482,"items":11094,"primary":11095,"id":11116,"slice_type":10096,"slice_label":9},[],{"heading":9,"content":11096,"link_heading":1363},[11097,11102,11106,11109,11113],{"type":70,"text":11098,"spans":11099,"direction":73},"Road rage isn't always driver versus driver. Frustration can also build between motorists and pedestrians at crossings, intersections, taxi stops, busy shopping areas and residential streets.",[11100],{"start":722,"end":2325,"type":216,"data":11101},{"link_type":78,"url":10093,"target":135},{"type":70,"text":11103,"spans":11104,"direction":73},"But road safety shouldn't become drivers versus pedestrians.",[11105],{"start":1009,"end":5539,"type":1756},{"type":70,"text":11107,"spans":11108,"direction":73},"We're all road users, and pedestrians are particularly vulnerable when something goes wrong. The safest response to frustration is to slow things down, avoid confrontation and give everyone enough time and space to move safely.",[],{"type":70,"text":11110,"spans":11111,"direction":73},"According to the RTMC State of Road Safety Report 2025, 58.7% of pedestrian fatalities recorded during 2025 occurred on Fridays, Saturdays and Sundays.",[11112],{"start":2006,"end":1813,"type":1756},{"type":70,"text":11114,"spans":11115,"direction":73},"Here's how motorists and pedestrians can help reduce conflict and make South African roads safer.",[],"article_content_text$5196431d-9cdd-4be6-a267-2b3e8b34a5cd",{"variation":1506,"version":1482,"items":11118,"primary":11119,"id":11153,"slice_type":10096,"slice_label":9},[],{"heading":10100,"content":11120,"link_heading":1363},[11121,11124,11127,11130,11132,11135,11138,11141,11144,11147,11150],{"type":70,"text":11122,"spans":11123,"direction":73},"Road rage is more than simply feeling irritated in traffic.",[],{"type":70,"text":11125,"spans":11126,"direction":73},"The South African Police Service describes aggressive driving as deliberately unsafe driving behaviour carried out with ill intention or disregard for safety. In extreme situations, aggressive driving can escalate into road rage.",[],{"type":70,"text":11128,"spans":11129,"direction":73},"Examples of aggressive behaviour can include deliberately:",[],{"type":2272,"text":10112,"spans":11131,"direction":73},[],{"type":2272,"text":11133,"spans":11134,"direction":73},"blocking another road user",[],{"type":2272,"text":11136,"spans":11137,"direction":73},"making threatening gestures",[],{"type":2272,"text":11139,"spans":11140,"direction":73},"using a vehicle to intimidate someone",[],{"type":2272,"text":11142,"spans":11143,"direction":73},"confronting another road user aggressively.",[],{"type":70,"text":11145,"spans":11146,"direction":73},"Someone making a mistake isn't automatically showing road rage.",[],{"type":70,"text":11148,"spans":11149,"direction":73},"That distinction matters.",[],{"type":70,"text":11151,"spans":11152,"direction":73},"A pedestrian crossing unexpectedly, a driver missing a turn or someone misunderstanding who should move first can be frustrating  but frustration doesn't need to become confrontation.",[],"article_content_text$e4534f1b-277c-4f09-8b19-8590481766e0",{"variation":1506,"version":1482,"items":11155,"primary":11156,"id":11176,"slice_type":10096,"slice_label":9},[],{"heading":11157,"content":11158,"link_heading":1363},"Why are pedestrians particularly vulnerable?",[11159,11162,11165,11168,11171],{"type":70,"text":11160,"spans":11161,"direction":73},"A pedestrian doesn't have a vehicle body, airbags or other built-in vehicle protection around them.",[],{"type":70,"text":11163,"spans":11164,"direction":73},"That means motorists need to be particularly alert anywhere people are likely to cross or walk close to traffic.",[],{"type":70,"text":11166,"spans":11167,"direction":73},"South African research into pedestrian safety has also found associations between unsafe driving behaviour and factors including aggression, impulsivity, risk tolerance and attitudes towards the law.",[],{"type":70,"text":11169,"spans":11170,"direction":73},"The takeaway is simple:",[],{"type":70,"text":11172,"spans":11173,"direction":73},"Being technically right isn't more important than preventing an accident.",[11174],{"start":28,"end":11175,"type":1756},73,"article_content_text$b7e8b8b7-bf37-4290-80c5-16952671d0eb",{"variation":1506,"version":1482,"items":11178,"primary":11179,"id":11249,"slice_type":10096,"slice_label":9},[],{"heading":11180,"content":11181,"link_heading":1363},"How can drivers help keep pedestrians safe?",[11182,11186,11189,11192,11195,11198,11201,11204,11207,11210,11214,11217,11220,11223,11227,11230,11233,11236,11240,11243,11246],{"type":70,"text":11183,"spans":11184,"direction":73},"Slow down where people are likely to cross",[11185],{"start":28,"end":5106,"type":1756},{"type":70,"text":11187,"spans":11188,"direction":73},"Reduce your speed around:",[],{"type":2272,"text":11190,"spans":11191,"direction":73},"schools",[],{"type":2272,"text":11193,"spans":11194,"direction":73},"residential areas",[],{"type":2272,"text":11196,"spans":11197,"direction":73},"shopping districts",[],{"type":2272,"text":11199,"spans":11200,"direction":73},"taxi and bus stops",[],{"type":2272,"text":11202,"spans":11203,"direction":73},"pedestrian crossings",[],{"type":2272,"text":11205,"spans":11206,"direction":73},"busy intersections.",[],{"type":70,"text":11208,"spans":11209,"direction":73},"A pedestrian may make a mistake. As the person controlling the heavier and faster vehicle, staying alert gives you more opportunity to respond safely.",[],{"type":70,"text":11211,"spans":11212,"direction":73},"Expect the unexpected",[11213],{"start":28,"end":2064,"type":1756},{"type":70,"text":11215,"spans":11216,"direction":73},"Don't assume someone standing beside the road has seen you.",[],{"type":70,"text":11218,"spans":11219,"direction":73},"A pedestrian may be distracted, have limited visibility or simply misjudge your speed.",[],{"type":70,"text":11221,"spans":11222,"direction":73},"Look ahead and be prepared to slow down.",[],{"type":70,"text":11224,"spans":11225,"direction":73},"Avoid distracted driving",[11226],{"start":28,"end":1920,"type":1756},{"type":70,"text":11228,"spans":11229,"direction":73},"Your phone can wait.",[],{"type":70,"text":11231,"spans":11232,"direction":73},"Taking your eyes off the road for even a short period reduces your awareness of pedestrians, cyclists, vehicles and changing traffic conditions.",[],{"type":70,"text":11234,"spans":11235,"direction":73},"Keep your attention on driving.",[],{"type":70,"text":11237,"spans":11238,"direction":73},"Give people time to cross",[11239],{"start":28,"end":2046,"type":1756},{"type":70,"text":11241,"spans":11242,"direction":73},"Impatience can turn an ordinary crossing into an unnecessary confrontation.",[],{"type":70,"text":11244,"spans":11245,"direction":73},"Don't aggressively rev, hoot or move towards someone to hurry them across.",[],{"type":70,"text":11247,"spans":11248,"direction":73},"Give pedestrians reasonable time and space to cross safely.",[],"article_content_text$ec0c92f0-4ed0-4186-a879-91d67903ced3",{"variation":1506,"version":1482,"items":11251,"primary":11252,"id":11288,"slice_type":10096,"slice_label":9},[],{"heading":11253,"content":11254,"link_heading":1363},"How can pedestrians stay safer around traffic?",[11255,11258,11261,11264,11267,11270,11273,11276,11279,11282,11285],{"type":70,"text":11256,"spans":11257,"direction":73},"Road safety is a shared responsibility.",[],{"type":70,"text":11259,"spans":11260,"direction":73},"Pedestrians can reduce their risk by:",[],{"type":2272,"text":11262,"spans":11263,"direction":73},"using designated crossings where available",[],{"type":2272,"text":11265,"spans":11266,"direction":73},"following pedestrian traffic signals",[],{"type":2272,"text":11268,"spans":11269,"direction":73},"checking carefully before entering the road",[],{"type":2272,"text":11271,"spans":11272,"direction":73},"avoiding sudden movements into traffic",[],{"type":2272,"text":11274,"spans":11275,"direction":73},"staying alert around vehicles",[],{"type":2272,"text":11277,"spans":11278,"direction":73},"avoiding unnecessary phone distraction while crossing",[],{"type":2272,"text":11280,"spans":11281,"direction":73},"making themselves easier to see in poor visibility.",[],{"type":70,"text":11283,"spans":11284,"direction":73},"Don't assume that a driver has seen you simply because you can see the vehicle.",[],{"type":70,"text":11286,"spans":11287,"direction":73},"Wait until you're confident it's safe before crossing.",[],"article_content_text$1585c750-9128-4efd-9546-96f76491da7c",{"variation":1506,"version":1482,"items":11290,"primary":11291,"id":11311,"slice_type":10096,"slice_label":9},[],{"heading":11292,"content":11293,"link_heading":1363},"Should drivers and pedestrians make eye contact?",[11294,11297,11300,11303,11308],{"type":70,"text":11295,"spans":11296,"direction":73},"Eye contact can sometimes help confirm that you've seen one another, but it shouldn't replace normal road-safety checks.",[],{"type":70,"text":11298,"spans":11299,"direction":73},"The old version of this article recommended making eye contact as a primary technique.",[],{"type":70,"text":11301,"spans":11302,"direction":73},"A safer principle is:",[],{"type":70,"text":11304,"spans":11305,"direction":73},"Look for clear confirmation that the other road user has noticed you, but never assume eye contact means it is automatically safe to proceed.",[11306],{"start":28,"end":11307,"type":1756},141,{"type":70,"text":11309,"spans":11310,"direction":73},"Check the traffic situation itself before moving.",[],"article_content_text$b46a9846-cba6-4969-a96c-0d001054a8c3",{"variation":1506,"version":1482,"items":11313,"primary":11314,"id":11355,"slice_type":10096,"slice_label":9},[],{"heading":11315,"content":11316,"link_heading":1363},"What should you do when another road user becomes aggressive?",[11317,11320,11323,11326,11329,11332,11335,11338,11341,11344,11348],{"type":70,"text":11318,"spans":11319,"direction":73},"Don't try to win the argument.",[],{"type":70,"text":11321,"spans":11322,"direction":73},"SAPS recommends avoiding conflict, controlling your own anger and creating distance from aggressive road users.",[],{"type":70,"text":11324,"spans":11325,"direction":73},"If you're driving:",[],{"type":2272,"text":11327,"spans":11328,"direction":73},"don't retaliate",[],{"type":2272,"text":11330,"spans":11331,"direction":73},"avoid hostile gestures",[],{"type":2272,"text":11333,"spans":11334,"direction":73},"don't deliberately block someone",[],{"type":2272,"text":11336,"spans":11337,"direction":73},"create space where possible",[],{"type":2272,"text":11339,"spans":11340,"direction":73},"remain inside your vehicle if confronted",[],{"type":2272,"text":11342,"spans":11343,"direction":73},"move towards a safe, public location if you feel threatened.",[],{"type":70,"text":11345,"spans":11346,"direction":73},"If an aggressive situation becomes threatening, SAPS advises motorists to contact 10111 or drive to the nearest police station.",[11347],{"start":2324,"end":2649,"type":1756},{"type":70,"text":11349,"spans":11350,"direction":73},"Miway's guide to dealing with road rage provides additional advice for handling an aggressive-driver situation.",[11351,11354],{"start":2474,"end":2357,"type":216,"data":11352},{"link_type":78,"url":11353,"target":10499},"https://www.miway.co.za/blog/road-rage-and-how-to-deal-with-it",{"start":2474,"end":2357,"type":1756},"article_content_text$577f75eb-7e88-4104-8d47-d45f072f15ec",{"variation":1506,"version":1482,"items":11357,"primary":11358,"id":11393,"slice_type":10096,"slice_label":9},[],{"heading":11359,"content":11360,"link_heading":1363},"What if you're the person getting angry?",[11361,11364,11367,11370,11373,11376,11379,11381,11384,11387,11390],{"type":70,"text":11362,"spans":11363,"direction":73},"Traffic can test anyone's patience.",[],{"type":70,"text":11365,"spans":11366,"direction":73},"Someone walks across unexpectedly. A driver cuts you off. A taxi stops suddenly. The robot changes just as you're approaching.",[],{"type":70,"text":11368,"spans":11369,"direction":73},"Your reaction is the part you can control.",[],{"type":70,"text":11371,"spans":11372,"direction":73},"Current South African analysis of road rage highlights the importance of recognising escalation early, disengaging, creating distance and prioritising safety over proving who is right.",[],{"type":70,"text":11374,"spans":11375,"direction":73},"If you feel yourself getting angry:",[],{"type":2272,"text":11377,"spans":11378,"direction":73},"increase the distance between yourself and the situation",[],{"type":2272,"text":11327,"spans":11380,"direction":73},[],{"type":2272,"text":11382,"spans":11383,"direction":73},"avoid prolonged confrontation",[],{"type":2272,"text":11385,"spans":11386,"direction":73},"give yourself additional travel time",[],{"type":2272,"text":11388,"spans":11389,"direction":73},"pull over somewhere safe if you need time to settle before continuing.",[],{"type":70,"text":11391,"spans":11392,"direction":73},"A few seconds of frustration isn't worth turning into a dangerous situation.",[],"article_content_text$f6351083-6680-4868-b9ef-21599636d1c1",{"variation":1506,"version":1482,"items":11395,"primary":11396,"id":11416,"slice_type":10096,"slice_label":9},[],{"heading":11397,"content":11398,"link_heading":1363},"What about alcohol and road safety?",[11399,11402,11405,11408,11413],{"type":70,"text":11400,"spans":11401,"direction":73},"Alcohol can impair judgement, coordination and decision-making.",[],{"type":70,"text":11403,"spans":11404,"direction":73},"The old article focused on both \"drunk drivers\" and \"drunk pedestrians\".",[],{"type":70,"text":11406,"spans":11407,"direction":73},"The updated message should be simpler:",[],{"type":70,"text":11409,"spans":11410,"direction":73},"Don't drive after drinking, and don't put yourself in a dangerous traffic environment when your judgement or coordination is impaired.",[11411],{"start":28,"end":11412,"type":1756},134,{"type":70,"text":11414,"spans":11415,"direction":73},"For motorists, the responsibility is especially significant because you're controlling a vehicle capable of causing serious harm.",[],"article_content_text$11e4ed9a-01ac-4269-8c04-111e0879677a",{"variation":1506,"version":1482,"items":11418,"primary":11419,"id":11450,"slice_type":10096,"slice_label":9},[],{"heading":11420,"content":11421,"link_heading":1363},"What should you do if an accident happens?",[11422,11425,11428,11431,11434,11437,11440,11443,11446],{"type":70,"text":11423,"spans":11424,"direction":73},"Even careful road users can be involved in accidents.",[],{"type":70,"text":11426,"spans":11427,"direction":73},"If a collision occurs:",[],{"type":2223,"text":11429,"spans":11430,"direction":73},"Stop and prioritise immediate safety.",[],{"type":2223,"text":11432,"spans":11433,"direction":73},"Check whether anyone needs emergency assistance.",[],{"type":2223,"text":11435,"spans":11436,"direction":73},"Avoid arguments or confrontations.",[],{"type":2223,"text":11438,"spans":11439,"direction":73},"Record the relevant accident information when safe.",[],{"type":2223,"text":11441,"spans":11442,"direction":73},"Follow applicable reporting requirements.",[],{"type":2223,"text":11444,"spans":11445,"direction":73},"Contact your insurer and follow the required claims process.",[],{"type":70,"text":11447,"spans":11448,"direction":73},"MiWay's step-by-step guide on what to do after a car accident explains the process in more detail.",[11449],{"start":2474,"end":2227,"type":1756},"article_content_text$3dd565db-d1de-4f04-b85a-033219b483b8",{"variation":1506,"version":1482,"items":11452,"primary":11453,"id":11469,"slice_type":10096,"slice_label":9},[],{"heading":10467,"content":11454,"link_heading":1363},[11455,11458,11462,11466],{"type":70,"text":11456,"spans":11457,"direction":73},"The circumstances surrounding an incident matter.",[],{"type":70,"text":11459,"spans":11460,"direction":73},"Car insurance is designed to provide protection according to the cover, terms, conditions and exclusions in your policy. It shouldn't be treated as protection against the consequences of deliberately dangerous behaviour.",[11461],{"start":28,"end":2365,"type":1756},{"type":70,"text":11463,"spans":11464,"direction":73},"If an incident leads to vehicle damage, give your insurer an accurate account of what happened and provide the information required to assess the car insurance claim.",[11465],{"start":10697,"end":5803,"type":1756},{"type":70,"text":11467,"spans":11468,"direction":73},"Don't assume an incident will automatically be covered or declined simply because road rage was involved. The individual circumstances and policy terms need to be considered.",[],"article_content_text$d0249931-8d28-4802-9fde-3aa4c29bbd58",{"variation":1506,"version":1482,"items":11471,"primary":11472,"id":11524,"slice_type":10096,"slice_label":9},[],{"heading":11473,"content":11474,"link_heading":1363},"Drivers and pedestrians: quick safety checklist",[11475,11478,11481,11484,11487,11490,11493,11496,11499,11502,11505,11508,11511,11514,11517,11520],{"type":70,"text":11476,"spans":11477,"direction":73},"For motorists:",[],{"type":2272,"text":11479,"spans":11480,"direction":73},"Slow down around pedestrian activity",[],{"type":2272,"text":11482,"spans":11483,"direction":73},"Keep your phone away while driving",[],{"type":2272,"text":11485,"spans":11486,"direction":73},"Expect people to make mistakes",[],{"type":2272,"text":11488,"spans":11489,"direction":73},"Give pedestrians room",[],{"type":2272,"text":11491,"spans":11492,"direction":73},"Don't retaliate when frustrated",[],{"type":2272,"text":11494,"spans":11495,"direction":73},"Create distance from aggressive road users.",[],{"type":70,"text":11497,"spans":11498,"direction":73},"For pedestrians:",[],{"type":2272,"text":11500,"spans":11501,"direction":73},"Use safe crossing points where available",[],{"type":2272,"text":11503,"spans":11504,"direction":73},"Follow traffic signals",[],{"type":2272,"text":11506,"spans":11507,"direction":73},"Check carefully before crossing",[],{"type":2272,"text":11509,"spans":11510,"direction":73},"Stay aware of vehicles",[],{"type":2272,"text":11512,"spans":11513,"direction":73},"Avoid unnecessary phone distraction",[],{"type":2272,"text":11515,"spans":11516,"direction":73},"Make yourself visible in poor conditions.",[],{"type":70,"text":11518,"spans":11519,"direction":73},"For everyone:",[],{"type":70,"text":11521,"spans":11522,"direction":73},"Don't turn a mistake into a confrontation.",[11523],{"start":28,"end":5106,"type":1756},"article_content_text$4bf962ae-1d61-4a6e-a9c9-39ae2758f6b9",{"variation":10442,"version":1482,"items":11526,"primary":11527,"id":11562,"slice_type":10096,"slice_label":9},[],{"heading":11528,"content":11529,"sub_sections":11530,"link_heading":1363},"Road rage and pedestrian safety FAQs",[],[11531,11537,11543,11549,11555],{"subheading":11532,"list":11533,"link_subsection":1363},"Can road rage involve pedestrians?",[11534],{"type":70,"text":11535,"spans":11536,"direction":73},"Yes. Road rage and aggressive behaviour aren't limited to disputes between two motorists. Conflict can also develop between drivers and other road users, including pedestrians.",[],{"subheading":11538,"list":11539,"link_subsection":1363},"What should I do if another road user becomes aggressive?",[11540],{"type":70,"text":11541,"spans":11542,"direction":73},"Avoid engaging or retaliating. Create distance and move towards safety. If you're driving and feel threatened, SAPS advises remaining secure in your vehicle and contacting 10111 or driving to the nearest police station.",[],{"subheading":11544,"list":11545,"link_subsection":1363},"Should pedestrians always assume a driver has seen them?",[11546],{"type":70,"text":11547,"spans":11548,"direction":73},"No. Even when you believe a driver should stop, confirm that the traffic situation is safe before entering or continuing across the road.",[],{"subheading":11550,"list":11551,"link_subsection":1363},"Why should drivers be particularly careful around pedestrians?",[11552],{"type":70,"text":11553,"spans":11554,"direction":73},"Pedestrians are vulnerable road users because they don't have the physical protection available to occupants of vehicles. Drivers should therefore remain alert and allow sufficient time and space to respond safely.",[],{"subheading":11556,"list":11557,"link_subsection":1363},"Can road rage affect car insurance?",[11558],{"type":70,"text":11559,"spans":11560,"direction":73},"If an incident results in vehicle damage, whether a car insurance claim is covered depends on the circumstances and the terms, conditions and exclusions of the policy.",[11561],{"start":2351,"end":2682,"type":1756},"article_content_text$89eed3f2-6562-4fac-a691-ae7ec1c4332c",{"variation":1506,"version":1482,"items":11564,"primary":11565,"id":11596,"slice_type":10096,"slice_label":9},[],{"heading":11566,"content":11567,"link_heading":1363},"Share the road, not the rage",[11568,11571,11574,11577,11580,11587],{"type":70,"text":11569,"spans":11570,"direction":73},"Drivers and pedestrians won't always agree.",[],{"type":70,"text":11572,"spans":11573,"direction":73},"Someone will eventually make a mistake, move too slowly, misunderstand a signal or get in your way.",[],{"type":70,"text":11575,"spans":11576,"direction":73},"What matters is what happens next.",[],{"type":70,"text":11578,"spans":11579,"direction":73},"Slow down, create space and don't let a few seconds of frustration turn into something more serious.",[],{"type":70,"text":11581,"spans":11582,"direction":73},"For additional road-safety information, read MiWay's road rage safety guide.",[11583,11586],{"start":1796,"end":11584,"type":216,"data":11585},75,{"link_type":78,"url":11353,"target":10499},{"start":1796,"end":11584,"type":1756},{"type":70,"text":11588,"spans":11589,"direction":73},"And because not every road incident can be prevented, learn more about MiWay car insurance or get a car insurance quote to find cover that suits the way you drive.",[11590,11592,11593,11595],{"start":1813,"end":2381,"type":216,"data":11591},{"link_type":78,"url":10498,"target":10499},{"start":1813,"end":2381,"type":1756},{"start":2301,"end":10570,"type":216,"data":11594},{"link_type":78,"url":10503,"target":10499},{"start":2301,"end":10570,"type":1756},"article_content_text$09d78100-cd19-4aff-84fa-24663592f398","Road rage is a major problem on our roads every day; causing anger, stress, anxiety, and accidents.",{"dimensions":11599,"alt":9,"copyright":9,"url":11600,"id":11090,"edit":11601},{"width":10510,"height":10511},"https://images.prismic.io/miway-website/Z9gQWziBA97Gii_x_Road_Rage-Drivers_vs_pedestrians.jpeg?auto=format,compress&rect=376,0,512,269&w=2400&h=1260",{"x":11602,"y":28,"zoom":29,"background":30},376,{"link_type":35},[11605],{"type":70,"text":11597,"spans":11606,"direction":73},[],{"id":10520,"type":10521,"tags":11608,"lang":16,"slug":631,"first_publication_date":10523,"last_publication_date":10524,"uid":10525,"link_type":393,"key":11609,"isBroken":395},[],"3dce575d-a39f-4c1f-9b09-58b8b1fee77d",[11611],{"text":11612},"Here are some guidelines for drivers and pedestrians to avoid road rage.",{"dimensions":11614,"alt":9,"copyright":9,"url":11089,"id":11090,"edit":11615},{"width":11088,"height":5987},{"x":28,"y":28,"zoom":29,"background":30},{"id":11617,"uid":11618,"url":11619,"type":4895,"href":11620,"tags":11621,"first_publication_date":11622,"last_publication_date":11623,"slugs":11624,"linked_documents":11625,"lang":16,"alternate_languages":11626,"data":11627},"Z5it5hAAAB8A06SZ","tyres-and-trackers-your-pre-departure-guide","/blog/tyres-and-trackers-your-pre-departure-guide","https://miway-website.cdn.prismic.io/api/v2/documents/search?ref=aprAfxMAACoAgHku&q=%5B%5B%3Ad+%3D+at%28document.id%2C+%22Z5it5hAAAB8A06SZ%22%29+%5D%5D",[996,688,495],"2025-01-28T10:14:09+0000","2026-08-31T21:41:54+0000",[10039],[],[],{"date":10043,"heading":11628,"duration":3276,"article_type":11629,"category":11632,"related_product":11637,"thumbnail":11640,"type":10068,"related_insurance":10069,"slices":11647,"meta_title":12043,"meta_description":12044,"meta_keywords":12045,"meta_image":12046,"canonical":12052,"intro":12053,"author":10518,"service_block":12057,"in_this_article":12060,"hero_image":12061},"Tyres and trackers: Your pre-departure guide",{"id":1338,"type":1339,"tags":11630,"lang":16,"slug":1341,"first_publication_date":1342,"last_publication_date":1342,"uid":1341,"url":1343,"link_type":393,"key":11631,"isBroken":395},[],"e7756cd8-8834-4752-b484-c31cf181fb06",{"id":11633,"type":10050,"tags":11634,"lang":16,"slug":1377,"first_publication_date":11635,"last_publication_date":11635,"uid":1377,"url":1343,"link_type":393,"key":11636,"isBroken":395},"ZvZ4hRAAACIAEukQ",[],"2024-09-27T09:19:03+0000","96c89362-9907-48e7-9101-bee411d68027",{"id":626,"type":515,"tags":11638,"lang":16,"slug":628,"first_publication_date":629,"last_publication_date":630,"uid":631,"url":632,"link_type":393,"key":11639,"isBroken":395},[519],"ebe6ee85-c40e-4888-a533-e245e05cd67c",{"dimensions":11641,"alt":9,"copyright":9,"url":11644,"id":11645,"edit":11646},{"width":11642,"height":11643},1153,321,"https://images.prismic.io/miway-website/Z5itNpbqstJ997Tn_TyresAndTrackers.png?auto=format,compress","Z5itNpbqstJ997Tn",{"x":28,"y":28,"zoom":29,"background":30},[11648,11676,11715,11796,11808,11848,11868,11901,11921,11940,11982,12019],{"variation":1506,"version":1482,"items":11649,"primary":11650,"id":11675,"slice_type":10096,"slice_label":9},[],{"heading":9,"content":11651,"link_heading":1363},[11652,11655,11660,11665,11672],{"type":70,"text":11653,"spans":11654,"direction":73},"There is more to getting road-trip ready than filling up the tank, packing the padkos and choosing the playlist.",[],{"type":70,"text":11656,"spans":11657,"direction":73},"Before a long-distance drive, take a few minutes to check two things that can make a big difference if something goes wrong: your tyres and your vehicle tracking device.",[11658],{"start":3702,"end":11659,"type":1756},168,{"type":70,"text":11661,"spans":11662,"direction":73},"Correct tyre pressure, healthy tread and a working tracker can help make your journey safer. They may also matter when it comes to meeting the requirements of your car insurance policy, particularly where a tracking device is specified as a condition of cover.",[11663],{"start":11664,"end":2934,"type":1756},164,{"type":70,"text":11666,"spans":11667,"direction":73},"South Africa's roads remain challenging. Preliminary Department of Transport figures recorded 1,427 road deaths from 1,172 crashes during the 2025/26 festive season, despite both figures falling by about 5% from the previous festive period.",[11668,11671],{"start":2301,"end":11664,"type":216,"data":11669},{"link_type":78,"url":11670,"target":135},"https://www.transport.gov.za/wp-content/uploads/2023/02/Final_RoadSafety_statement2026.pdf",{"start":2301,"end":11664,"type":1756},{"type":70,"text":11673,"spans":11674,"direction":73},"A few checks before departure are therefore well worth the time.",[],"article_content_text$36728a3c-b57c-4e5d-ab25-8d79aa4509d4",{"variation":1506,"version":1482,"items":11677,"primary":11678,"id":11714,"slice_type":10096,"slice_label":9},[],{"heading":11679,"content":11680,"link_heading":1363},"What should you check before a long-distance trip?",[11681,11684,11690,11693,11696,11699,11702,11705,11708,11711],{"type":70,"text":11682,"spans":11683,"direction":73},"Before leaving, check:",[],{"type":2272,"text":11685,"spans":11686,"direction":73},"tyre pressure and tread",[11687],{"start":28,"end":2365,"type":216,"data":11688},{"link_type":78,"url":11689,"target":135},"https://www.miway.co.za/tyre-and-rim-cover",{"type":2272,"text":11691,"spans":11692,"direction":73},"cuts, cracks or bulges",[],{"type":2272,"text":11694,"spans":11695,"direction":73},"uneven tyre wear",[],{"type":2272,"text":11697,"spans":11698,"direction":73},"your spare tyre and wheel-changing equipment",[],{"type":2272,"text":11700,"spans":11701,"direction":73},"whether your tracking device is active and working",[],{"type":2272,"text":11703,"spans":11704,"direction":73},"whether the tracker meets your insurer's requirements",[],{"type":2272,"text":11706,"spans":11707,"direction":73},"your policy benefits and roadside-assistance details",[],{"type":2272,"text":11709,"spans":11710,"direction":73},"any additional requirements if you are travelling outside South Africa.",[],{"type":70,"text":11712,"spans":11713,"direction":73},"Give yourself enough time to fix a problem before your departure date rather than discovering it when the car is already packed.",[],"article_content_text$cb8b6f32-2da2-4510-a81d-1febdfc6109d",{"variation":1506,"version":1482,"items":11716,"primary":11717,"id":11795,"slice_type":10096,"slice_label":9},[],{"heading":11718,"content":11719,"link_heading":1363},"Check your tyres before hitting the road",[11720,11723,11727,11730,11738,11741,11745,11748,11751,11757,11761,11764,11767,11770,11773,11776,11779,11782,11785,11789,11792],{"type":70,"text":11721,"spans":11722,"direction":73},"Your tyres are your car's contact with the road, so they deserve more than a quick glance before a long journey.",[],{"type":70,"text":11724,"spans":11725,"direction":73},"Check the tyre tread",[11726],{"start":28,"end":1722,"type":1756},{"type":70,"text":11728,"spans":11729,"direction":73},"Inspect the tread across the full width of each tyre and look for excessive or uneven wear.",[],{"type":70,"text":11731,"spans":11732,"direction":73},"Current Road Traffic Management Corporation guidance recommends tread depth of at least 1.6mm and notes that tyre grip starts reducing below 3mm.",[11733,11736],{"start":2474,"end":2351,"type":216,"data":11734},{"link_type":78,"url":11735,"target":135},"https://www.gov.za/news/media-statements/road-traffic-management-corporation-road-safety-during-winter-season-06-jun",{"start":10320,"end":11737,"type":1756},93,{"type":70,"text":11739,"spans":11740,"direction":73},"If you are uncertain about the condition of your tyres, have them inspected by a tyre professional before travelling.",[],{"type":70,"text":11742,"spans":11743,"direction":73},"Check your tyre pressure while the tyres are cold",[11744],{"start":28,"end":5942,"type":1756},{"type":70,"text":11746,"spans":11747,"direction":73},"Use the pressure recommended for your particular vehicle and load. You can normally find this information in the owner's manual or on the vehicle's tyre-pressure placard.",[],{"type":70,"text":11749,"spans":11750,"direction":73},"Remember that a fully loaded holiday car may require different pressures from the ones you use for your everyday commute.",[],{"type":70,"text":11752,"spans":11753,"direction":73},"Incorrect pressure can affect tyre wear, handling and fuel consumption. Competitor tyre-safety guidance also consistently recommends checking pressure before long-distance journeys rather than waiting until you are already on the road.",[11754],{"start":2371,"end":1788,"type":216,"data":11755},{"link_type":78,"url":11756,"target":135},"https://africa.michelin.com/en/auto/advice/tyre-care/road-trip-checklist",{"type":70,"text":11758,"spans":11759,"direction":73},"Look for cuts, cracks and bulges",[11760],{"start":28,"end":705,"type":1756},{"type":70,"text":11762,"spans":11763,"direction":73},"Walk around the vehicle and check the sidewalls and visible tread for:",[],{"type":2272,"text":11765,"spans":11766,"direction":73},"cuts",[],{"type":2272,"text":11768,"spans":11769,"direction":73},"cracks",[],{"type":2272,"text":11771,"spans":11772,"direction":73},"embedded objects",[],{"type":2272,"text":11774,"spans":11775,"direction":73},"unusual bulges",[],{"type":2272,"text":11777,"spans":11778,"direction":73},"signs of damage",[],{"type":2272,"text":11780,"spans":11781,"direction":73},"excessive or uneven wear.",[],{"type":70,"text":11783,"spans":11784,"direction":73},"If something looks wrong, don't leave it until after the holiday.",[],{"type":70,"text":11786,"spans":11787,"direction":73},"Don't forget your spare tyre",[11788],{"start":28,"end":2356,"type":1756},{"type":70,"text":11790,"spans":11791,"direction":73},"A spare wheel doesn't help much if it has been sitting in the boot underinflated for months.",[],{"type":70,"text":11793,"spans":11794,"direction":73},"Check its condition and pressure and make sure you have the jack, wheel spanner and any locking-wheel-nut key needed for your vehicle.",[],"article_content_text$1561b003-3e34-4f5e-90a2-8d39f68a7667",{"variation":1506,"version":1482,"items":11797,"primary":11798,"id":11807,"slice_type":10096,"slice_label":9},[],{"heading":11799,"content":11800,"link_heading":1363},"What does uneven tyre wear mean?",[11801,11804],{"type":70,"text":11802,"spans":11803,"direction":73},"Uneven wear may indicate an alignment, balancing, suspension or tyre-pressure issue.",[],{"type":70,"text":11805,"spans":11806,"direction":73},"Rather than treating it as purely cosmetic wear, get the vehicle checked before travelling. Long-distance driving places sustained demands on the tyres, especially when the vehicle is carrying additional passengers and luggage.",[],"article_content_text$afb3ae44-48b2-43bb-a3d1-c0892fc40f74",{"variation":1506,"version":1482,"items":11809,"primary":11810,"id":11847,"slice_type":10096,"slice_label":9},[],{"heading":11811,"content":11812,"link_heading":1363},"Is your vehicle tracker working properly?",[11813,11816,11820,11826,11829,11832,11835,11838,11841,11844],{"type":70,"text":11814,"spans":11815,"direction":73},"Your tyres aren't the only thing worth checking before departure.",[],{"type":70,"text":11817,"spans":11818,"direction":73},"If your car insurance requires a tracking device, confirm that it is installed, active and working as required by your policy.",[11819],{"start":2474,"end":2064,"type":1756},{"type":70,"text":11821,"spans":11822,"direction":73},"MiWay's more recent tracker guidance recommends checking whether the device is active, transmitting correctly, supported by the tracking provider and configured as required.",[11823],{"start":28,"end":2654,"type":216,"data":11824},{"link_type":78,"url":11825,"target":135},"https://www.miway.co.za/blog/is-your-tracking-company-tracking-you-correctly",{"type":70,"text":11827,"spans":11828,"direction":73},"Before leaving, ask yourself:",[],{"type":2272,"text":11830,"spans":11831,"direction":73},"Is the tracker subscription active?",[],{"type":2272,"text":11833,"spans":11834,"direction":73},"Is the device communicating correctly?",[],{"type":2272,"text":11836,"spans":11837,"direction":73},"Does the provider's app or service show the vehicle correctly?",[],{"type":2272,"text":11839,"spans":11840,"direction":73},"Have you responded to any battery, power or device-health warnings?",[],{"type":2272,"text":11842,"spans":11843,"direction":73},"Does your tracker still meet the requirements stated in your insurance policy?",[],{"type":70,"text":11845,"spans":11846,"direction":73},"If you aren't sure, contact your tracking provider or MiWay before travelling.",[],"article_content_text$d2138c11-3751-40ca-8c79-240b60dfbd9c",{"variation":1506,"version":1482,"items":11849,"primary":11850,"id":11867,"slice_type":10096,"slice_label":9},[],{"heading":11851,"content":11852,"link_heading":1363},"Does your car insurance require a tracker?",[11853,11856,11861,11864],{"type":70,"text":11854,"spans":11855,"direction":73},"Not every vehicle or policy has the same requirements.",[],{"type":70,"text":11857,"spans":11858,"direction":73},"Depending on the vehicle and its risk profile, an insurer may require a specific type of tracking or recovery device. The important point is to follow the requirements stated in your own policy documentation rather than assuming that any GPS tracker will be sufficient.",[11859],{"start":2339,"end":11860,"type":1756},207,{"type":70,"text":11862,"spans":11863,"direction":73},"Tracking providers themselves distinguish between standard GPS tracking and devices designed to meet insurance and stolen-vehicle-recovery requirements.",[],{"type":70,"text":11865,"spans":11866,"direction":73},"If your MiWay policy specifies a tracker, make sure you understand exactly what is required before your trip.",[],"article_content_text$d055d17f-b634-4606-8fc3-76b4865e7777",{"variation":1506,"version":1482,"items":11869,"primary":11870,"id":11900,"slice_type":10096,"slice_label":9},[],{"heading":11871,"content":11872,"link_heading":1363},"Travelling outside South Africa? Check before crossing the border",[11873,11876,11879,11882,11885,11888,11891,11894,11897],{"type":70,"text":11874,"spans":11875,"direction":73},"Planning a road trip into Botswana, Namibia, Mozambique, Eswatini, Lesotho or another neighbouring country?",[],{"type":70,"text":11877,"spans":11878,"direction":73},"Don't assume that your tracker, recovery service, roadside assistance or insurance operates in exactly the same way outside South Africa.",[],{"type":70,"text":11880,"spans":11881,"direction":73},"Before leaving:",[],{"type":2272,"text":11883,"spans":11884,"direction":73},"tell your insurer where necessary",[],{"type":2272,"text":11886,"spans":11887,"direction":73},"confirm your territorial cover",[],{"type":2272,"text":11889,"spans":11890,"direction":73},"check whether your tracking provider operates at your destination",[],{"type":2272,"text":11892,"spans":11893,"direction":73},"understand what assistance is available outside South Africa",[],{"type":2272,"text":11895,"spans":11896,"direction":73},"keep the relevant emergency contact details with you.",[],{"type":70,"text":11898,"spans":11899,"direction":73},"Your policy wording and tracking-provider terms should always be the final reference.",[],"article_content_text$5664961b-f9c0-434c-b54a-6569503c09a2",{"variation":1506,"version":1482,"items":11902,"primary":11903,"id":11920,"slice_type":10096,"slice_label":9},[],{"heading":11904,"content":11905,"link_heading":1363},"Can tyre or tracker problems affect an insurance claim?",[11906,11909,11912,11915],{"type":70,"text":11907,"spans":11908,"direction":73},"A worn tyre or inactive tracking device does not automatically mean every claim will be rejected.",[],{"type":70,"text":11910,"spans":11911,"direction":73},"Insurance claims are assessed according to the circumstances of the incident and the terms and conditions of the policy.",[],{"type":70,"text":11913,"spans":11914,"direction":73},"However, where your policy contains a specific requirement,  such as maintaining a required tracking device, failing to meet that requirement could affect cover.",[],{"type":70,"text":11916,"spans":11917,"direction":73},"The safest approach is simple: understand your policy conditions and deal with tyre or tracker problems before you leave",[11918],{"start":4470,"end":11919,"type":1756},110,"article_content_text$388aaa12-fde2-4d44-96de-a841d08aea34",{"variation":1506,"version":1482,"items":11922,"primary":11923,"id":11939,"slice_type":10096,"slice_label":9},[],{"heading":11924,"content":11925,"link_heading":1363},"Don't forget roadside assistance",[11926,11929,11936],{"type":70,"text":11927,"spans":11928,"direction":73},"Even a well-maintained vehicle can develop a flat tyre, flat battery or another unexpected problem.",[],{"type":70,"text":11930,"spans":11931,"direction":73},"MiWay's current car insurance information states that qualifying comprehensive cover includes 24/7 roadside emergency assistance for situations such as flat tyres, flat batteries, running out of fuel, towing, locksmith assistance and safe storage, subject to the applicable policy terms.",[11932,11935],{"start":2301,"end":2331,"type":216,"data":11933},{"link_type":78,"url":11934,"target":135},"https://www.miway.co.za/mihelp",{"start":2301,"end":2331,"type":1756},{"type":70,"text":11937,"spans":11938,"direction":73},"Save your emergency-assistance details on your phone before leaving rather than trying to find them on the side of the road.",[],"article_content_text$27005e53-03ca-45e4-8f02-091097ea6d41",{"variation":1506,"version":1482,"items":11941,"primary":11942,"id":11981,"slice_type":10096,"slice_label":9},[],{"heading":11943,"content":11944,"link_heading":1363},"Your quick pre-departure tyre and tracker checklist",[11945,11948,11951,11954,11957,11960,11963,11966,11969,11972,11975,11978],{"type":70,"text":11946,"spans":11947,"direction":73},"Before pulling out of the driveway:",[],{"type":2272,"text":11949,"spans":11950,"direction":73},"Check all four tyres and the spare",[],{"type":2272,"text":11952,"spans":11953,"direction":73},"Check tyre pressure against your vehicle specification",[],{"type":2272,"text":11955,"spans":11956,"direction":73},"Inspect tread and tyre condition",[],{"type":2272,"text":11958,"spans":11959,"direction":73},"Investigate uneven wear",[],{"type":2272,"text":11961,"spans":11962,"direction":73},"Confirm your wheel-changing equipment is present",[],{"type":2272,"text":11964,"spans":11965,"direction":73},"Check that your tracker is active and working",[],{"type":2272,"text":11967,"spans":11968,"direction":73},"Confirm that it meets your car insurance requirements",[],{"type":2272,"text":11970,"spans":11971,"direction":73},"Check cross-border cover if travelling outside South Africa",[],{"type":2272,"text":11973,"spans":11974,"direction":73},"Save MiWay and tracking-provider emergency 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