South Africa’s insurance sector faces growing risks in 2025, including infrastructure challenges, cyber threats, and climate change. Molebatsi Langa from Old Mutual Insure outlines proactive strategies for policyholders, such as water scarcity measures, fire prevention, cyber cover, and climate resilience.

Kidnapping for ransom is rising in South Africa, with cases reaching 17,061 in 2023/24. Ryno de Kock, Head of Distribution at PSG Insure, highlights the importance of kidnap and ransom insurance for financial protection, crisis management, and personal security.

Siyakha Masiye, spokesperson at MiWay, advises South Africans on negotiating affordable insurance premiums without compromising coverage. He highlights key strategies, including assessing needs, leveraging security measures, bundling policies, adjusting excess, and reviewing policies annually to ensure financial stability.

With house robberies and burglaries on the rise, securing the right household content insurance is essential. Sharon Paterson, CEO of Infiniti Insurance, highlights the importance of regular policy reviews, correct valuations, and risk mitigation to safeguard your belongings from financial loss.

Ryno de Kock, Head of Distribution at PSG Insure, stresses the importance of maintaining short-term insurance despite rising VAT. He highlights how insurance safeguards financial stability, covering unexpected losses from accidents, crime, or disasters, preventing costly debt and depletion of savings.

Sibeko joins Miway with over a decade of experience in the insurance sector, having held key leadership roles in sales, client services, and retentions. Most recently, she served as Operations Specialist: Commercial and Short-Term at OUTsurance, where she was responsible for multi-skilled team coordination, stakeholder engagement, and call centre operations.