Array ( [episodeID] => 397 [featureSeriesID] => 1 [featureSeasonID] => 15 [featureEpisodeID] => 3 [featureTitle] => Dr Hardy Ncube on how embedded insurance is changing what we buy [featureDescription] => Embedded insurance is changing how South Africans get cover by putting protection directly into the financial transactions where it is needed.\r\n\r\nDr Hardy Ncube, Head of Personal Line Insurance at Standard Insurance Limited, explains how insurance can be integrated into everyday customer journeys, from financing a vehicle or buying a home to booking travel and making other purchases.\r\n\r\nHe discusses why banks are particularly well positioned for embedded insurance and how existing customer relationships can make accessing relevant cover simpler. However, greater convenience creates a new challenge: ensuring customers understand exactly what they are buying when insurance can be added with only a few clicks.\r\n\r\nNcube also examines what embedded insurance means for brokers and financial advisers, why products should be personalised rather than unnecessarily bundled, and how digital claims services can improve the customer experience. Looking ahead, he expects technology and AI to make insurance increasingly integrated into digital banking and purchasing journeys.\r\n\r\n0:00 Intro\r\n1:00 What is embedded insurance?\r\n2:38 Why banks have an advantage\r\n5:19 Building trust into digital insurance\r\n8:25 Keeping customers informed\r\n11:29 What embedded insurance means for brokers\r\n14:23 Personalising insurance cover\r\n18:02 How technology and AI will change insurance\r\n\r\nFollow BusinessTech:\r\nX - https://twitter.com/businesstechSA\r\nFacebook - https://web.facebook.com/BusinessTechSA\r\nInstagram - https://www.instagram.com/businesstechsa\r\nWebsite - https://businesstech.co.za/news/\r\n\r\n#EmbeddedInsurance #Insurance #Fintech [featureEpisode] => https://player.vimeo.com/video/1225149006 [featureDuration] => 21:45 min [featureImageMobile] => img/guests/ET-001-0030-003.jpg [featurePublication] => 2026-09-09 06:26:13 [featureLogo] => img/logos/SL115.png )