{"id":77691,"date":"2018-01-23T08:30:55","date_gmt":"2018-01-23T06:30:55","guid":{"rendered":"https:\/\/mobserver.co.za\/?p=77691"},"modified":"2019-08-15T11:27:12","modified_gmt":"2019-08-15T09:27:12","slug":"time-clean-insurance","status":"publish","type":"post","link":"https:\/\/develop.citizen.co.za\/middelburg-observer\/news-headlines\/2018\/01\/23\/time-clean-insurance\/","title":{"rendered":"Time to clean up your insurance"},"content":{"rendered":"<p>Now that the New Year has begun, it\u2019s the perfect time of the year to shift your priorities around a bit. We\u2019re almost certain that you\u2019ve switched up your closet to match the season. Not only are you making the time to clear up your space, but you\u2019re also finding useful\u00a0<em><a href=\"https:\/\/www.miway.co.za\/blog\/useful-info\/spring-cleaning-when-you-find-stuff-you-completely-forgot-you-had\" target=\"_blank\">things you probably forgot you had<\/a><\/em>. Why not do the same with your\u00a0<em><a href=\"https:\/\/www.miway.co.za\/car-insurance\" target=\"_blank\">car insurance<\/a><\/em>\u00a0?<\/p>\n<p><em><a href=\"https:\/\/www.miway.co.za\/register\" target=\"_blank\">Reviewing your insurance policy<\/a><\/em>\u00a0should be an annual activity to ensure that your policy information and cover is still in order.<\/p>\n<p><strong>Get your hands on your policy and check if the following is still in order:<\/strong><\/p>\n<ul>\n<li><strong>Payment information<\/strong>\u2013 Make sure that your account details, collection date, premium amount etc. are all correct as agreed upon \u2013 remember, no premium = no cover.<\/li>\n<li><strong>Personal information<\/strong>\u2013 Check that your ID number, contact information, address for both day and night parking etc. are correctly captured and up to date.<\/li>\n<li><strong>Past incidents and losses<\/strong>&#8211; Check that any previous claims are correctly captured as these impact your risk profile.<\/li>\n<li><strong>Payable excess<\/strong>\u2013 Check and familiarise yourself with the\u00a0<em><a href=\"https:\/\/www.miway.co.za\/frequently-asked-questions\/what-is-an-excess\" target=\"_blank\">different excesses<\/a><\/em>\u00a0that you may be liable for in the event of a claim.<\/li>\n<li><strong>Vehicle information<\/strong>\u2013 It is essential to have the correct details captured to ensure adequate cover. This includes: the make and model of your car; the VIN, engine and registration numbers for your car; the colour, kit and modifications. It is also important to note whether your vehicle is financed or not.<\/li>\n<li><strong>Regular driver<\/strong>\u2013 Having the correct\u00a0<em><a href=\"https:\/\/www.miway.co.za\/blog\/short-term-insurance\/regular-drivers-why-it-matters\" target=\"_blank\">regular driver<\/a><\/em>\u00a0listed on your policy schedule is essential as that determines your premiums and affects your claim. Ensure that this is correctly listed.<\/li>\n<li><strong>What you\u2019re covered for<\/strong>\u2013 Check that you are covered under the correct use (business or private) for your vehicle, covered for the correct insured value and the perils you\u2019d like to be covered for. Ensure that you have the necessary optional extras included in your policy.<\/li>\n<li><strong>Previous insurance<\/strong>\u2013 For the sake of your risk profile, check that this is captured correctly as well<\/li>\n<li><strong>Benefits\u00a0<\/strong>\u2013 While spring cleaning your policy, you may just find a little surprise benefit hidden in there like\u00a0<em><a href=\"https:\/\/www.miway.co.za\/mihelp\" target=\"_blank\">roadside and home assistance<\/a><\/em>\u00a0or\u00a0<em><a href=\"https:\/\/www.miway.co.za\/wedrive\" target=\"_blank\">WeDrive<\/a><\/em>. Check for these to ensure you don\u2019t miss out.<\/li>\n<\/ul>\n<p>Checking your insurance may be the last thing on your mind, however it does come with benefits \u2013 you could end up saving yourself some extra cash each month. Get hold of your policy schedule and set aside some time to go through it thoroughly. Should you find yourself needing to make any changes, inform your insurer immediately and avoid the risk of being inadequately insured. Don\u2019t limit yourself to home insurance. Make sure you do a little bit of a clean-up with your other insurance policies too.<\/p>\n<p>With MiWay, you can update your insurance policy yourself via the website or the\u00a0<em><a href=\"https:\/\/www.miway.co.za\/mobile-app\" target=\"_blank\">mobile app<\/a><\/em>.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The start of a new year is a perfect time to check whether your insurance policy information and cover is still in order. What are some of the most critical factors you must check?<\/p>\n","protected":false},"author":7917,"featured_media":77692,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"hasGravity":false,"cxt_article_byline":".","cxt_disable_google_ads":false,"footnotes":""},"categories":[4912,19917,2],"tags":[10187,10188,6569,6571,10186],"class_list":["post-77691","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advertorial","category-business","category-news-headlines","tag-car-insurance","tag-home-insurance","tag-insurance","tag-miway","tag-motorcycle-insurance"],"category_labels":{"Category":"News","SubCategory":"Advertorial"},"tag_labels":["car insurance","home insurance","insurance","Miway","motorcycle insurance"],"_links":{"self":[{"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/posts\/77691","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/users\/7917"}],"replies":[{"embeddable":true,"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/comments?post=77691"}],"version-history":[{"count":0,"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/posts\/77691\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/media\/77692"}],"wp:attachment":[{"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/media?parent=77691"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/categories?post=77691"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/develop.citizen.co.za\/middelburg-observer\/wp-json\/wp\/v2\/tags?post=77691"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}