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About Constantia


At Constantia Insurance Group, our commitment is to make insurance personal. We’ve spent 65 years keeping this promise, by delivering innovative risk and insurance solutions to the market.

Leaders

Shareholders

Constantia Risk and Insurance Holdings Proprietary Limited is the holding company for the Constantia Insurance Group, who is ultimately a wholly-owned subsidiary of Conduit Capital Limited.

Directors

The Directors fulfil a duty of care and loyalty, and act with integrity as they actively pursue board matters and other responsibilities. They have a keen interest in assisting with the design of an integrated corporate culture that does not seek to interfere with the role of management, while also striving to enhance the long-term strategy and value of Constantia for our shareholders.

Insurance Entities:

Constantia Insurance Company Limited (CICL);
Constantia Life and Health Assurance Company Limited (CLAH); and
Constantia Life Limited (CLL)

Independent Non-Executive Directors

David James Harpur
Chairperson
Independent Non-Executive Director (CICL, CLAH, CLL)

David is a stalwart in the insurance industry, with nearly 50 years of experience, including twice serving as president of the Insurance Institute of South Africa. During his career he spent 33 years at institutions such as Minet, Mibsa, MIB and Glenrand M.I.B. In 2006, he was elected as a member of the executive committee of the Worldwide Broker Network (WBN), as well as being appointed managing director of WBN Limited. In 2009, he joined the IISA as CEO and until recently, served as a non-executive director on the board of JSE listed Conduit Capital Ltd, where he chaired the Remuneration Committee while also being a member of the Audit and Risk Committee. David is passionate about insurance and continues to champion professionalism within the industry, as well as insurance education at all levels.

Rosetta Ntambose Xaba
Independent Non-Executive Director (CICL, CLAH, CLL)
Group Audit Committee Chairperson
Group Risk Committee Chairperson

Rosetta is a chartered accountant, having obtained her BCompt with Unisa and a Postgraduate Diploma in Accounting from the University of Natal. She trained at KPMG and worked as a manager in the external and internal audit divisions, whereafter she spent four years at Deloitte Consulting, working in the public sector division. In 2007, Rosetta started her own accounting, auditing and consulting company, which she currently runs. She is the non-executive director at Finbond Group Limited; Conduit Capital; Constantia Insurance Company; South African Association of Local Governments (SALGA); Little Eden Society for the Care of Persons with Mental Disabilities and Tharisa Minerals Trust.

Lusani Kingswell Mulaudzi
Independent Non-Executive Director (CICL, CLAH, CLL)
Group Risk Committee Chairperson

Lusani Mulaudzi is a Healthcare Actuary with over 12 years of experience. He is the founder and director of Grassroots Impact Solutions (PTY) LTD. He started his working career at Sanlam as a Valuations Consultant focusing mostly on valuing Group risk benefits such as disability income and lump sum benefits. He later moved on to Medscheme where as Healthcare Actuary he led the pricing and reserving team for a number of medical scheme clients. Apart from his normal work, Lusani has been involved in the development of the actuarial profession through his participation in the Actuarial Society of South Africa since 2010. He has served on the Council of the Actuarial Society of South Africa for over 7 years and will be the President of the organization in 2020 and 2021. He is the Deputy Chair of the Education Board of ASSA, chairs the transformation committee and is a former Principal of the Academy of the Actuarial Society.

He currently chairs the risk committee of an insurance company in South Africa and he is also a part-time Public Interest Actuary for the Actuarial Society of South Africa. He is a trained Design thinking practitioner and is passionate about innovation.

Non-Executive Directors

Lourens Erasmus Louw
Non-Executive Director (CICL)

Lourens studied at the University of Stellenbosch, after which he moved to Johannesburg and qualified as a member of the SA Institute of Stockbrokers. In 1996, Lourens was appointed financial director and compliance officer of stockbroking firm Irish & Menell Rosenberg (Pty) Ltd and its successors in the Appleton Group. He remained with Appleton until June 2003 when he joined Conduit Capital. Lourens became the financial director of Conduit Capital in October 2004.

Tyrone Christie Moodley
Non-Executive Director (CICL, CLAH, CLL)
Group Audit Committee Member
Group Risk Committee Member

Tyrone is a founder and chief executive officer of Midbrook Lane Proprietary Limited, a private investment company. His career began at Sasfin Securities as a research analyst before he left to start Midbrook. Tyrone obtained a Bachelor of Commerce Degree from the University of Johannesburg and is a senior advisor to Protea Asset Management LLC, an investment advisor based in the United States. He has more than 10 years of investment and investment company experience.

Gavin Toet
Non-Executive Director (CLL)
Remuneration Committee Member

Gavin was involved in the printing industry for six years. In 1999, he joined the Altmedia Group, where he ultimately held the position of general manager. Gavin joined Conduit Capital in June 2005 and currently holds the position of executive director. He carries out a broad range of responsibilities, mainly operational in nature, and serves on numerous boards and executive management committees within the Conduit Group.

Peter Goeffrey Todd
Non-Executive Director (CICL, CLAH, CLL)
Group Risk Committee Member

Peter Todd has extensive industry experience and boasts over 20 years of financial services industry experience, both in South Africa and abroad. He has a number of business interests in the claims management space having co-founded Repair Solutions in 2014 and subsequently having expanded into other areas of the insurance value chain.
Prior to setting up his own business interests, Peter held a number of senior positions in the industry including Chief Executive of Mutual & Federal; Managing Executive for Distribution at Absa Financial Services as well as Chairman of Credit Guarantee Insurance Company.
Peter also spent six years in Singapore as the Regional Managing Director of Alexander Forbes Asia Pacific.
Peter has served as a Director on a number of insurance industry Boards, including the South African Insurance Association and is a Past President of the Insurance Institute of South Africa.
Peter has a B.Com LLB degree from the University of Cape Town and was admitted as an Attorney of the High Court in 1996, having served his articles at Jan S de Villiers & Son.

Executive Directors

Volker von Widdern
Chief Executive Officer (CICL, CLAH, CLL)
Group Risk Committee Member

Volker (B.Acc CA (SA) MBA) began his insurance career in 1996 as financial manager of Guardrisk Insurance Company Limited and he was appointed managing director of Guardrisk Group in 1999. While at Guardrisk Volker led the formation and development of Guardrisk Life, Guardrisk International and AidsGuard, with the Group exceeding R2 billion in premium and assets in five years.

In 2002 he joined Marsh SA as a director and became a member of the executive committee. He was responsible for the strategic development of risk consulting services in Australasia, Africa, Latin America and the Middle East, which resulted in the development of several risk management models across various sectors, and the formation of insurance products and insurance company structures on innovative bases. In 2013 he won the IRMSA Risk Manager of the Year award.

Volker joined the Constantia Group in 2016 as Deputy CEO and led the development of Constantia’s medical malpractice product, EthiQal. He was appointed CEO in November 2016, whereafter Constantia commenced its development and growth strategy, supported by substantial shareholder capital and resources.

Executive team

Volker von Widdern
Chief Executive Officer (CICL, CLAH, CLL)
Group Risk Committee Member

Volker (B.Acc CA (SA) MBA) began his insurance career in 1996 as financial manager of Guardrisk Insurance Company Limited and he was appointed managing director of Guardrisk Group in 1999. While at Guardrisk Volker led the formation and development of Guardrisk Life, Guardrisk International and AidsGuard, with the Group exceeding R2 billion in premium and assets in five years.

In 2002 he joined Marsh SA as a director and became a member of the executive committee. He was responsible for the strategic development of risk consulting services in Australasia, Africa, Latin America and the Middle East, which resulted in the development of several risk management models across various sectors, and the formation of insurance products and insurance company structures on innovative bases. In 2013 he won the IRMSA Risk Manager of the Year award.

Volker joined the Constantia Group in 2016 as Deputy CEO and led the development of Constantia’s medical malpractice product, EthiQal. He was appointed CEO in November 2016, whereafter Constantia commenced its development and growth strategy, supported by substantial shareholder capital and resources.

Martin Nienaber
Chief Financial Officer

Martin  [CA(SA)] is an experienced finance executive who has been involved in financial management, business development and corporate finance for the past 14 years. He began his career at PwC before moving into retail, mining and investment management. During his career Martin has proven himself to be a highly flexible leader, that is passionate about the companies and people he works with and is able to adapt quickly to ever-shifting corporate priorities.

Currently Martin is the Chief Financial Officer for Constantia Insurance Group, responsible for financial oversight. He is also a keen mountain biker and loves being in nature.

Heidi Dias
Executive – Stakeholder Relationships & Claims

Heidi is a thought leader and mentor within the Short-Term Insurance Industry. She has contributed meaningfully to the industry by delivering consistent and exceptional results in a multitude of operational and executive management roles over the last 2 decades. In addition to her corporate responsibilities she has also made substantial contributions to various industry associations (SAICB Board member, SAIA Motor Committee Chair; SAIA Insurance Risk Board member; IISA Board member; IISA Social and Ethics Committee Chair). She is currently the Executive for Channel Distribution and Claims at Constantia Insurance Company Limited (CICL). Before joining Constantia, she was the Head of Claims at Old Mutual Insurance and fulfilled various leadership roles at the company over a period of 25 years

Gavin Kandier
Chief Information Officer

Gavin Kandier is an IT professional that has worked almost exclusively in the Financial Services industry for the past 22 years. He spent more than a decade managing the IT Department for the Trading Floor at South Africa’s largest Corporate & Investment Bank, before working as a Head of IT at SA’s leading short-term insurer, followed by a stint at leading Global insurer.

With a wide variety of skills across the IT spectrum, he has managed teams and projects based in multiple countries in Africa, as well as in Europe, the UK and Brazil. In the banking environment he initiated and introduced first-in-country FX trading platforms, and in the insurance world he has executed large-scale digital transformation projects to enable legacy platforms to Digital platforms at two different organisations.

He enjoys working on a combination of operational and strategic ventures, and is passionate about utilising data and innovative technology to add value to businesses, and the local communities that they operate in.

Mpumi Tyikwe
Executive – Strategic & Technical Services

Mpumi (FIISA, PGDM) has more than 30 years of experience in the insurance sector of which 25 years has been in an executive role. His passion is to create solutions that are mutually beneficial for our partners and coming up with innovative ways to make insurance accessible to emerging markets. He has a unique advantage of having worked in small start ups and large organisations spanning both short and long term insurances.

The most enjoyable part of his job is to build highly engaged teams of passionate professionals who are eager to serve customers and partners.

Motseki Majake
General Manager – Life & Funeral

Motseki (B Sc – Applied Mathematics & Computer Science, B Sc Hons – Industrial Systems, MBA) is a senior executive with extensive experience in Technology, Insurance and Business operations. He has experience in Life Insurance, Retirement Funds distributing products through direct, indirect, retail and broker channels. He also had a stint as part time lecturer and subject head for Bachelor of Technology – Strategy Development. He has worked in multiple roles at MTN, Microsoft and AcelorMittal. He has passion for children’s education fulfilling roles such Transformation Chair at Saints Stithians College and Chair of the Audit and Risk Committee at Cotlands. Motseki was a Chief Executive Officer of 3Sixty Life for 7 years prior to joining Constantia.

Toska Kouskos
Executive – Health

Toska [BA(Hons), MA, MBA, CFP, RE1 and RE5] is a registered financial advisor with the Financial Planning Institute. She gained extensive experience in healthcare consulting where she was the Key Account Lead for the team responsible for registering the Government Employees Medical Scheme (GEMS). Toska was the GEMS Key Account Executive for a period of 6 years and very involved in the operational aspects during the start-up years of GEMS. She also served on the Task team for a Low Income Medical Scheme for SA at the time. Enjoying the challenges of Business management, leadership and business strategy, she completed her MBA a few years later. Toska worked at some of the largest corporate broker houses where she fulfilled an Executive role being instrumental in achieving business turnaround whilst staying close to her passion of technical consulting roles in the Healthcare sphere. Such consulting roles ranged from consulting to the Board of Trustees of various restricted medical schemes, to Corporate Wellness consulting. Toska was the also the Head of a Business responsible for Absenteeism and Disability management programs in a corporate employer base of more than 150 000 employees.

Lebogang Padi
Executive – Legal/Life Compliance Officer

Lebogang (Lebo) Padi, (LLB, MDP, Post Graduate Diploma Compliance Management) is an executive legal, compliance and governance specialist with extensive experience in the insurance sector. Lebo has worked for the financial services industry including working in investment banking. Furthermore, Lebo brings along her experience in working for the financial sector conduct authority. Over her experience, she’s dealt with the pension fund regulations and put in place pension fund administration capabilities.

Lebo was a trustee and principal officer of 4 registered pension and retirement annuity funds. As a compliance executive, Lebo has built compliance structures by ensuring that proper processes are put in place. Lebo is a member of the compliance institute and member of the Institute of Directors(IOD). Lebo is passionate about governance and ensuring a compliance culture is embedded in businesses. As a mother and wife, she’s mostly passionate about her family.

Alex Brownlee
Executive – Actuarial & Analytics

Alex [FASSA FFA BSc(Hons)] is an experienced executive Actuary with extensive experience in product development, pricing, risk management, advanced analytics and technical marketing. Over his career he has dealt in pensions, worked in life assurance in the UK, worked for an international health reinsurer and worked in a large healthcare company. He has worked both within insurers and as a consultant, but over the last seven years been involved at an executive level enjoying the balance of management, business and strategy development. Alex has been an active HIV/Aids then Health committee member of the Actuarial Society of South Africa (ASSA), as well as a member and secretary of the Health Section of the International Actuarial Association (IAA).

Sujeeth Bishoon
Chief Underwriting Officer

Sujeeth ( B. Com, B. Com Hons, MBL) has over 20 years experience in the financial services sector and has a deep strategic and operational understanding of the business models of Insurers, UMA’s and Brokers especially in the short terms insurance industry. Sujeeth’s work experience spans across the insurance supply chain where he has occupied various senior management positions at Santam and Mutual & Federal Insurance Company and also fulfilled executive roles at FNB Insurer Processing Services and at Indwe Broker Holdings. Sujeeth has an exceptional track record in terms profitable portfolio management and is renowned in the industry for his passion, problem solving ability, strategic thinking and disciplined underwriting execution.