There’s a quiet shift happening in insurance right now, and many businesses haven’t noticed it yet. Insurance is no longer sitting separately in the background as a policy document. It’s increasingly becoming embedded directly into the customer journey — and that changes everything. Santam’s move to cloud infrastructure is another signal of where the market is heading. Cloud systems allow for faster deployment, better scalability, quicker product changes, and more consistent

There are various risks involved in being a motorist. The potential of accidents, petrol prices skyrocketing and general maintenance...