Youlon Naidoo, Executive Head: Claims and Procurement at Miway

South Africa is seeing an alarming increase in extreme weather events, with far-reaching effects. In January 2026, heavy rain and flooding across Limpopo, Mpumalanga, North West, KwaZulu-Natal and the Eastern Cape caused widespread damage, submerging vehicles, disrupting roads and stranding commuters^[1].

Extreme weather is now the leading cause of short-term insurance claims in South Africa, overtaking risks such as theft and fire^[2]. And yet the majority of the country’s motorists remain financially exposed. According to the South African Insurance Association (SAIA), around 65% of South African motorists are uninsured, leaving millions vulnerable to increasingly severe weather events^[3].

Youlon Naidoo, Executive Head: Claims and Procurement at Miway, says the frequency and intensity of weather-related claims have shifted the risk landscape for vehicle owners. “We are seeing more claims linked to flooding, hail damage and severe storms than ever before. Many motorists underestimate how quickly weather conditions can escalate and how significant the financial impact can be when a vehicle is damaged or written off.”

Severe weather affects vehicles in multiple ways, often within minutes. Moisture in the air during heavy storms reduces visibility and tyre traction, increasing the likelihood of accidents. When rainfall intensifies, flash flooding can occur rapidly, particularly in low-lying areas or where drainage systems are compromised.

“Even shallow floodwater can cause catastrophic engine damage,” explains Naidoo. “If water enters the engine, it can result in hydrolock, which may permanently damage internal components and often leads to a total loss.”

Hail is another growing threat. Large hailstones can shatter windscreens, dent bodywork and damage lights and mirrors. In severe cases, repair costs can run into tens of thousands of rand. Lightning strikes, while less common, can also affect vehicles, particularly through electrical surges that damage onboard computer systems.

“Modern vehicles rely heavily on electronics,” Naidoo adds. “What appears to be cosmetic damage after a storm can conceal complex electrical faults that only surface later. That is why professional assessment and comprehensive cover are so important.”

For insured motorists, knowing how to act quickly and correctly after a weather-related incident can make the claims process smoother and faster.

A claim should be logged as soon as it is safe to do so. Once initiated, clear documentation is essential. Motorists should follow the prompts on the app or online portal, taking photographs of the scene and visible damage. Supporting documents can then be uploaded directly.

Naidoo offers the following claims checklist as a reminder for what to include:

•       Incident details, including confirmation that the damage was weather-related

•       Vehicle details, and details of any other vehicles involved

•       The date, time and location of the incident

•       Photos of the damage and surrounding area

•       Witness details, including names and contact numbers

•       Details of other parties involved, where applicable

•       A South African Police Service case number, if one has been opened

•       Proof of ownership for any items lost, stolen or damaged

Once all required information has been uploaded, the claim can be submitted for processing. Policyholders are then able to track progress and approval status via the app or self-service portal, with notifications guiding them through the next steps.

Beyond insurance, Naidoo emphasises that prevention remains key. “Motorists should avoid driving through flooded roads, seek covered parking during hail warnings and ensure their vehicles are regularly serviced so that drainage channels and seals function properly. Insurance cannot prevent extreme weather, but it can protect motorists from the financial consequences,” Naidoo concludes.