Senior Insurance Editor
Sarah Cloete
Sarah has covered short-term insurance in South Africa since 2014. She previously underwrote motor and household policies at Santam and writes about premium structure, claims experience and risk pricing for MoneyWise.
Car insuranceHome insurancePremium optimisation
Latest by Sarah
How to reduce your car insurance premiums in South Africa (2026)
Five proven moves to lower your monthly cover — without sacrificing protection.
15 May 2026
Comprehensive vs third-party car insurance in South Africa
When third-party only is the smarter financial decision — and when it absolutely isn't.
26 Apr 2026
