diff --git a/CHANGELOG.md b/CHANGELOG.md
index be19ac1..4074d36 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -43,6 +43,7 @@ This project follows the structure from Keep a Changelog and intends to use Sema
 
 ### Fixed
 
+- **SonarCloud reliability (S6466):** `get_key_insights` in `report_data.py` adds an explicit `None`-guard (`or []`) on `by_minutes` before indexing, satisfying SonarCloud's S6466 check; new test covers `by_minutes: None`.
 - **CodeRabbit follow-ups (PR #10):** Soft-fail `workflow_breakdown` fetch on `RuntimeError` (email + legacy paths) so partial reports still render; skip redundant private concentration recommendations when private top-2 matches overall top-2; share `repo_label` / `WORKFLOW_MINUTES_REQUEST_HEADROOM` / public `parse_iso_datetime`; narrow workflow-name-map soft-fail to `RuntimeError`; normalize non-UTC ISO offsets to UTC in `parse_iso_datetime` so expiry/retention day math stays calendar-stable.
 - **SonarCloud quality gate (PR #10):** Safer list indexing for private consumer findings and workflow breakdown (`S6466`); reduced cognitive complexity in `_format_consumers_section` and `_repo_rows`; deduplicated HTML `<table>` literals; consolidated repeated consumer test fixtures into `tests/_consumer_fixtures.py`.
 - **Calendar-dependent forecast export/email tests:** Pin `report_forecast_data.date.today` to a mid-month date in CSV/PDF/XLSX section-presence tests and the cached email-report CLI forecast assertion. Forecast is intentionally omitted when `day_of_month < 3`, so those tests failed on the 1st–2nd of each month without a date pin.
diff --git a/src/github_usage/report_data.py b/src/github_usage/report_data.py
index 2535cd0..527c76a 100644
--- a/src/github_usage/report_data.py
+++ b/src/github_usage/report_data.py
@@ -211,14 +211,16 @@ def get_key_insights(report_data: dict) -> list[str]:
                 f"Private repos used {pct:.0f}% of the 2,000 free Actions minutes this month."
             )
     consumers = report_data.get("repo_consumers")
-    if actions and consumers and consumers.get("by_minutes"):
-        top = consumers["by_minutes"][0]
-        minutes = float(actions.get("minutes", 0.0))
-        if minutes:
-            vis = visibility_label(repo_visibility(top))
-            insights.append(
-                f"{top['repo']}{vis} accounts for {top['minutes'] / minutes * 100:.0f}% of Actions minutes."
-            )
+    if actions and consumers:
+        by_minutes = consumers.get("by_minutes") or []
+        if by_minutes:
+            top = by_minutes[0]
+            minutes = float(actions.get("minutes", 0.0))
+            if minutes:
+                vis = visibility_label(repo_visibility(top))
+                insights.append(
+                    f"{top['repo']}{vis} accounts for {top['minutes'] / minutes * 100:.0f}% of Actions minutes."
+                )
     if actions and float(actions.get("storage_percent", 0.0)) < 100:
         insights.append("Actions storage is below the free-tier limit.")
     return insights[:3]
diff --git a/tests/test_report_data.py b/tests/test_report_data.py
index 97291db..f37a100 100644
--- a/tests/test_report_data.py
+++ b/tests/test_report_data.py
@@ -159,6 +159,18 @@ def test_get_key_insights_reports_storage_below_free_tier(self):
 
         self.assertEqual(insights, ["Actions storage is below the free-tier limit."])
 
+    def test_get_key_insights_handles_none_by_minutes_without_index_error(self):
+        from github_usage.report_data import get_key_insights
+
+        report = {
+            "actions": {"minutes": 100.0, "storage_percent": 50.0},
+            "repo_consumers": {"by_minutes": None},
+        }
+
+        insights = get_key_insights(report)
+
+        self.assertEqual(insights, ["Actions storage is below the free-tier limit."])
+
     def test_get_key_insights_caps_at_three(self):
         from github_usage.report_data import get_key_insights