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.



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.


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
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.

Jabulani Mahlangu
Independent Non-Executive Director (CICL, CLAH, CLL)
Group Audit Committee Member
Group Risk Committee Member

Jabu completed his articles with PwC in 1996. He joined the Offices for Serius Economic Offences in 1998 and in 2000 returned to PwC, where he was appointed as head of the PwC Forensic Services practice in Gauteng and was admitted as a partner in 2002. He founded Ligwa Advisory Services and has a diverse client base. He has performed audit and forensic related assignments internationally and has carried out various statutory appointments. Jabu has served as Inspector of Companies in terms of the Companies Act, 61 of 1973, curator in terms of the Financial Services Board Act, 97 of 1990 and as a curator bonis in terms of the Prevention of Organised Crime Act, 121 of 1998. Jabu holds a B.Com (Acc), B.Compt (Hons) and CTA, CA (SA) degree.

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. 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, where his focus is on strategic and operational risk management, claims consulting, risk modelling and analytics, and Captive Insurance Company management.

Executive team

Volker von Widdern
Chief Executive Officer

Martin Nienaber
Chief Financial Officer

Tim Osborne
Group Chief Financial Officer

Heidi Dias
Executive – Stakeholder Relationships & Claims

Gavin Kandier
Chief Information Officer

Mpumi Tyikwe
Executive – Strategic & Technical Services

Motseki Majake
General Manager – Life & Funeral

Toska Kouskos
Executive – Health

Lebo Padi
Executive – Legal / Life Compliance Officer

Alex Brownlee
Executive – Actuarial & Analytics