Ernest North

Ernest North is the co-founder and CMO of Naked Insurance. He qualified as an actuary through the Institute of Actuaries in London in 2008 and is a Fellow of the Actuarial Society of South Africa, specialising in short-term insurance. Before co-founding Naked in 2016, Ernest worked at Hannover Reinsurance in Johannesburg, where he specialised in short-term insurance pricing and reinsurance underwriting, provided actuarial consulting to various insurers, and formed part of the technical management team of Compass Insure, leading its insurance pricing for motor, home and other short-term insurance offerings.

He later joined Ernst & Young’s Africa Actuarial Services practice, where he advised insurers in South Africa and East Africa on strategy, operating model development, profitability and growth, product optimisation, and risk and capital management. He also supported major insurers through solvency management and risk-based decision-making projects. Before starting Naked, Ernest served as Underwriting and Actuarial Director for Dotsure Insurance (and its predecessor Oakhurst Insurance Company), where he helped expand the product offering from personal lines motor into broader personal and commercial insurance, oversaw pet insurance pricing, introduced advanced pricing techniques including GLM-based motor insurance pricing, and led underwriting and systems development for commercial insurance.

Ernest leads Naked’s brand and marketing efforts, and also serves as the registered FAIS Key Individual and oversees the legal, risk and compliance functions.