Pineapple
While our office hours are typically Monday to Friday, 08h00 to 17h00, Pineapple offers a mobile app that’s accessible anytime. Through our app, available on Google Play, Apple iStore, and Huawei AppGallery, you can get a quote, activate a policy, file a claim, and more. You can also get a quote by visiting pineapple.co.za. So, even after hours, Pineapple has got your back!
Pineapple is underwritten by OMART (Old Mutual Alternative Risk Transfer) Insure Limited, a specialised division of Old Mutual Limited. We’re ranked 4.7*/ 5 across HelloPeter and all app stores combined with a TrustIndex Rating of 9.8*/10.
We’re not perfect, but we’re working on it. Watch this space.
Pineapple is a South African insurance provider known for its innovative insurance solutions, affordable premiums and omnichannel (all channel) approach.
We do instant, fair and rewarding insurance that’s accessible to anyone, anywhere, anytime. By offering a convenient and hassle-free experience, you can get a quote, manage your policy, and file claims on the Pineapple app or at pineapple.co.za.
If an app is more your speed, you’ll be pleased to know that you can insure your items in a snap, with a snap. Simply take a picture of your car, answer a few quick questions, get a quote in 90 seconds, and buy a policy in under 5 minutes. We’d like to mention that you do NOT need to physically be by the item to get a quote using the app. So, don’t let the “snap” part put you off.
If you prefer to buy online, we highly recommend using pineapple.co.za. It’s easy and fast, and the best part is you don’t have to download an app just to get a quote.
But, if the online route is not your thing, Pineapple also allows you to receive help round-the-clock.
Chat with us on WhatsApp (060 012 3771), reach out to us via email (fresh@pineapple.co.za) or talk to us on our Pineapple app).
Define open. For some of us, you can get a quote and buy a policy online, 24/7, 7 days a week, 365 days. Some of us also have a bot that you can “speak” to should you get a pang at 2 am to get a quote and buy car insurance. However, if you’d like to speak to a human, help is available Mon-Fri, 08h00 to 17h00.
However, emergency services are open and available 24/7, as part of all insurance companies. So, should you be in an accident or require emergency assistance, you can speak with a consultant to get urgent help as soon as possible.
For individuals in South Africa who are not registered for VAT, if you receive a car insurance cash payout, you won’t be liable to pay VAT on it. This is because, while the receipt of an insurance payout is considered a ‘supply’ for VAT purposes, the obligation to account for VAT usually only applies to those registered as VAT vendors.
However, there are different tax rules for varying situations. So, it’s always best to consult your financial or tax advisor for guidance specific to your particular circumstances and to ensure full compliance.
No, you cannot backdate car insurance. Although insurers aim to go above and beyond for their clients, even they cannot travel time. Or can they?
The answer remains no. Some things are outside of their capabilities, and backdating a policy is one of those things.
An insurance policy can commence on any given day, provided the day is either in that present moment or on any particular date in the future.
Backdating an insurance policy is not an option simply because a policy cannot be bought retrospectively or to suit a time in the past because that time has already passed.
For now, the only way to indulge in time travel is by enjoying a 2-hour viewing of the 1985 classic Back to the Future. Just leave your car and insurer out of it.
Jump for joy, hop for happiness and leap for laughter because car insurance covers repairs.
The type of insurance you have determines the level of coverage you can receive. For example, repairs are usually covered under third-party coverage, but are also taken care of by comprehensive coverage.
So, how do they differ? Well, think of it this way: third-party coverage is like wearing a helmet and knee and elbow pads. Comprehensive coverage is all that, and several layers of bubble wrap around you.
So if you ever jump off a short cliff, you’ll still be able to get up and walk away relatively unscathed. (Don’t try this at home, though. Or even at school. And not at the workplace, either. Seriously, it’s just an analogy!)
Comprehensive car insurance goes the extra mile of covering you, not only for collision-related incidents but also events like theft or hijacking, accidental damage, as well as damage by fire, explosions and even natural disasters such as hailstorms and, of course, third-party cover.
Pineapple offers fully comprehensive cover and a low-mileage benefit that rewards motorists who drive under 300km/p called the Drive Less, Get Blessed benefit.
Hold on to your wigs and hairpieces because car insurance can refuse to pay out a claim. The horror!
Cases where an insurer can reject a claim or refuse to pay are if a client commits an act of fraud (failure to provide correct or complete relevant information). The other possibility would be if the client’s premiums have gone unpaid; thus, their cover is no longer in place or if the type of insurance does not cover the incident.
An accident caused by anyone other than the regular driver declared on the policy can also ground for refusal.
Thankfully, Pineapple offers an open driver policy; a secondary driver need not be declared provided that the person in question is 1) 18 years or older, 2) holds a valid South African driver’s licence and 3) has received permission from the policyholder to drive the car, then they are covered!
In this case, should the non-regular driver cause an accident, the insurer will not reject the claim. However, a standard additional excess of R5850 may be applicable.
So back to those earlier-mentioned secrets, sharing is caring.
There is no short answer to this question. Many factors go into calculating car insurance premiums. To look at each of these factors in isolation would be useless because they would not paint a complete picture of one’s risk profile.
Much like baking, we need to add all these ingredients together to bake a perfect premium.
Those ingredients are
Some insurers also consider marital status, employment status and credit score when compiling a client’s risk profile. And you thought your in-laws were demanding.
Absolutely! “Affordable” varies for everyone. What’s important? Value. Some policies might seem budget-friendly but could skimp on essential benefits. Always weigh the savings against potential risks. Want real value without the guesswork? Pineapple offers clear, transparent, and comprehensive options. Dive into our website, get acquainted, and grab a quote!
Your car, and your wallet, will thank you.
Looking for protection against financial loss in the event of an accident or theft, support in an emergency, protection against inflation, and coverage for damages caused by natural and man-made disasters? Comprehensive Car Insurance could be a perfect match for you.
Of the many laws in our wonderful country, having car insurance is not one of them. Car insurance is not mandatory nor a legal requirement in South Africa.
You can drive around freely (and responsibly!) on any of our pothole-riddled roads without a lick of insurance, and nothing will happen to you from a law perspective.
But before you speed off into the sunset, you might want to consider the number of road accidents that happen on our roads daily. Not to mention the countless vehicle thefts that have now become common. And did I say the pothole-riddled roads?!
Car insurance is a necessary evil. In moments of distress, when an accident happens and you need to pay for damages sustained, it is one of the only things standing between you and total financial loss. And I don’t know a single person who enjoys losing, do you?
Sure there is.
As previously stated, car insurance varies depending on your risk profile, the car you own and the type of coverage you choose.
Cheap is such a ‘cheap’ word, and you deserve better than that, so let’s opt for affordable instead. It’s fancy, not unlike yourself.
Affordability is subjective; what one person considers expensive, a different person might not.
So, much like the 8th question in this list, it’s a matter of personal perspective.
Car insurance companies can offer you a deal at prices that seem too good to be true, but often they’re exactly that. A cheap car insurance policy might mean sacrificing certain benefits, so it’s essential to carefully consider your needs and the services you want from your insurer.
After that, think about what your car is worth to you and how grateful you will be to yourself when a claim event happens, and you don’t cut any corners or compromise on cost at the expense of your cover.
Something tells us it’ll feel like a stadium full of fans clapping their approval, a blare of horns sounding your success and a shower of confetti signalling your victory!
And that, dear reader, is our long but informative tale of car insurance and the frequently answered questions asked by the general public.
An informed individual is essential because they can make the right decision for themselves and their family. So never be afraid to ask questions, especially when your possessions come into play.
It’s also crucial to be clued up on insurance terminology and to have a clear understanding of car insurance and how it works; this helps create trust between the insurer and the insured.
Pineapple prides itself on its commitment to clarity, transparency and fairness. You’d be hard-pressed to find an insurer as forthcoming as this in the entire country (dare I say, even the whole world).
Don’t believe us? See for yourself. Visit our website, filled with all the policy wording one might need, T’s and C’s, and even more FAQs. Like right now.
Once you’ve done your research and when you are satisfied (notice we said when, because you will be), be sure to get a quote on your motor vehicle and start your cover today!
*Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. T&Cs apply.
The right car insurance boils down to your unique circumstances and preferences: your finances, vehicle value, and driving habits. For all-around protection, Pineapple’s Comprehensive Car Insurance is hard to beat, covering theft, damages, natural disasters, and third-party liabilities. While it might cost more upfront, the peace of mind it offers is invaluable. Always choose coverage that aligns with your needs and budget.
The type of car insurance coverage that you need depends on one person and one person only. You, the policyholder.
Only you know the ins and outs of your car insurance needs, which are also heavily influenced by your lifestyle.
It’s a personal decision you need to make, considering your financial situation, the value of your car and its worth to you, and your driving habits.
With that said, you can never go right with fully comprehensive coverage. As mentioned above, it covers you for theft and hijacking, accidental damage, damage by fire, explosions and natural disasters such as hailstorms, and third-party cover.
Although this policy might come in at a higher price than the third-party cover, the peace of mind it provides is priceless.
So, sit down, have an honest conversation with your wallet, and find out what works best for you.
From accidental damage, fire damage, to credit shortfall, Comprehensive Car Insurance covers it all. It also includes 24/7 emergency assistance, key replacement, protection against liabilities, and compensation based on the vehicle’s retail value.
You’ll receive compensation for the loss or damage in the form of a repair, replacement, or cash payout, based on your car’s retail value at the time of the incident and at the insurance provider’s discretion. A courtesy car might also be provided while your claim is being sorted depending on your policy.
Most car insurance companies, including Pineapple, cover windshield and window damages. Whether it’s from a rogue rock kicked up by a truck or an unexpected hailstorm, these unfortunate incidents are common. Thankfully, claims for these types of damages typically come with a lower excess. At Pineapple, our general car insurance excess might be *R6200, but the excess for windscreen and window protection is just R1250. It’s both peace of mind and a great deal.
The simple answer is it depends on the kind of insurance you have, but typically, most car insurance policies do not cover a blown engine, even on a comprehensive plan.
Insurers will cover you for everything from hijacking to hail damage, but a blown engine does not fall under cover of the proverbial insurance umbrella.
A blown engine is considered a mechanical failure, or wear and tear, and is part of the normal deterioration process of a car in use.
The only time car insurance will cover you for engine malfunction is if and when you opt for warranty cover. Car warranty is reserved for newer vehicles or those with low mileage.
So the more accurate answer would be no; most car insurance does not cover a blown engine. Sorry, cupcake.
The answer to this is usually a yes; most car insurance companies do cover you for damages to your car’s windshield as well as the windows.
It’s almost scary how common it has become to hear of someone who sustained a cracked windshield from a stray rock that turned into a mini-missile under the weight of the wheels of a truck.
You might have even suffered the same misfortune.
Or perhaps your car was parked in the open with no overhead structure when a sudden and heavy hailstorm came hurtling down onto your precious baby.
It’s in those instances that a windshield can suffer extensive damage. Rest assured, such events are covered by car insurance and at a lower excess. So, for example, Pineapple’s lowest payable car insurance excess is R4100, but the excess to protect your windscreen and windows is only R1175. Talk about a bargain!
You’ll be relieved to know that car insurance claims are not public records. Your reputation lives on, your secrets are safe, and in the eyes of your fellow man, your driving record is still squeaky clean. All is right with the world.
Insurance companies should promise to protect their clients’ privacy as set out by the POPIA (Protection of Personal Information Act). The act states that insurers should “reduce the nature and volume of personal information they hold and retain” – POPIA, 2013.
However, this information can be made available to insurance companies and shared between insurers and other insurance professionals or direct parties such as the policyholder and any other parties that may be held liable for an accident.
So, don’t just save your confessions for your priest and therapist; let your insurer get in on the action too.
A car insurance company can cancel your policy after you file a claim.
Frequent claims can lead to an increase in premiums because your risk profile is affected by this behaviour. The worse your risk profile gets, the higher your insurance premiums climb, possibly leading to your insurance provider cancelling the policy entirely.
A large number of claims can affect your risk, making you seen as unacceptable. Thus, the car insurance company may avoid taking you on as a potential risk.
The threshold for cancelling car insurance after multiple accidents differs by insurance companies, but the following variables usually determine this action:
Before cancelling your policy, your insurance company needs to give you notice and state a valid reason for doing so, such as non-payment or multiple claims filed in a short period.
Many South Africans can attest that your insurance company can refuse a claim.
Unfortunately, having an active policy and paying your monthly premiums is not a sure sign that your claim will be approved when the time comes.
The claims process differs based on the insurance company, but the same method is generally used.
An investigation is performed to gather information about the damages sustained and verify the claim’s validity.
Clients fail due to many factors (e.g. incomplete or incorrect information, non-compliance, suspected or proven fraudulent claim), so their insurance claim is rejected, and the insurer refuses to payout.
Submitting a car insurance claim typically does not directly impact your credit score.
However, a car insurance claim resulting in a payment you cannot afford, may be reported to a credit bureau as an unpaid debt.
If this were to happen, it could negatively impact your credit score.
Additionally, filing multiple claims in quick succession could lead to increased insurance premiums or make you uninsurable. Both could be financially detrimental and may impact your credit score indirectly.
Submitting numerous claims has several consequences, one of which is negatively affecting your car insurance premium.
Numerous claims in a short period can indicate a high-risk individual, which will increase your premium accordingly.
Insurance companies typically consider your history from anywhere between 3 and 5 years. The information collected from that timespan, e.g. the number of claims in that time, is then used to determine the price of your car insurance policy.
Numerous claims submitted in a short period will affect your risk profile, resulting in a higher premium than what you’d initially agreed to pay at the beginning of your insurance term.
There is not a one size fits all answer to this question. The number of car insurance claims you can make in a year varies depending on the specific policy and the insurance company.
However, with most insurers, there are generally no limitations on how many claims you can submit in a year.
So simply put, you’re not restricted to a certain number of claims in a particular year but a word to the wise, it’s best to avoid claiming for every minor scratch or dent.
Insurance companies will advise that you refrain from claiming over minor damages, and the reason is explained in the next section.
In a perfect world, you won’t ever have to claim from your insurance provider; however, the real world is vastly different. Life can change in the blink of an eye, especially concerning your car.
When those changes happen, it’s imperative to know what course of action is needed to claim for damages to your car.
To claim from an insurance company, you need the following:
It’s essential to keep all this information together and contact your insurance provider immediately after the incident to report the claim.
The insurance company will assess the claim and determine whether it is covered under the policy and the next steps.
Contrary to popular belief, car insurance companies do not enjoy denying you your claim; however, there are instances where they have no choice.
Factors that can result in your claim being rejected are:
It’s always a good idea to read and understand the terms and conditions of your policy and ask your insurance company for clarification if you have any questions or concerns about coverage.
As revolutionary and all-encompassing as our phone coverage is, even it has its limitations.
For example, any pre-existing damage to your screen or phone may result in you not being fully covered.
So, if your screen is cracked, your phone won’t be covered for water damage – the likelihood of your phone getting damaged by water (seeping into the cracks) is far more likely, thus placing the phone at a higher risk!
Comprehensive coverage means we cover your item for everything, within reason, of course.
Those instances where we won’t cover your phone are exclusions, and we have an extensive list detailing these events.
Some exclusions include the following:
You can read more about the rest of the exclusions here.
Lastly, if you do choose Pineapple, we have a to-do feature that will help you full proof your cover once complete.
Do you want to play a fun little game? It’s called ‘Name A Phone Pineapple Doesn’t Insure’.
Be warned that this isn’t a game you’ll likely win because you’ll be hard-pressed to find a phone we can’t or *won’t insure.
The only mobile phones not covered by Pineapple are those that haven’t even been made for mass production yet.
Those, and of course, older models, aren’t as costly to repair or replace in case of accidental damage or loss.
*By costly, we mean a cellular device with an estimated value of R2 000.00.
Remember, insurance exists to help cover the high repair and replacement costs associated with modern.
So, while your phone may have sentimental value if it doesn’t meet our minimum financial threshold, bad luck, buddy.
On the bright side, you may have just won our ‘Name A Phone Pineapple Doesn’t Insure’ game!
Not only do we provide coverage for mobile phones, but we also provide it comprehensively and in full.
Our all-risk policy covers cellular devices and other neat and nifty gadgets (think cameras, musical instruments and even jewellery).
P.S: We also do car insurance, and you can read more about that here.
Who needs discounts or a promotion when our prices are already incredibly affordable?
But we hear you, and naturally, we aim to please.
So if you’re looking for special discounts for all-risk items insurance, you’ve come to the right place.
The discount isn’t just for cell phones but also other valuable items.
How it works is if you add multiple items under your policy, you receive a discount on your insurance. The higher the value of the item, the bigger the discount.
But don’t just take our word for it.
Get a quote for your phone, and see for yourself just how affordable our insurance is.
Download the Pineapple app from your respective app store, sign up, and get insured in 90 seconds now!
Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. T&Cs apply. Premium is risk profile dependent.
Who needs discounts or a promotion when our prices are already incredibly affordable?
But we hear you, and naturally, we aim to please.
So if you’re looking for special discounts for all-risk items insurance, you’ve come to the right place.
The discount isn’t just for cell phones but also other valuable items.
How it works is if you add multiple items under your policy, you receive a discount on your insurance. The higher the value of the item, the bigger the discount.
But don’t just take our word for it.
Get a quote for your phone, and see for yourself just how affordable our insurance is.
Download the Pineapple app from your respective app store, sign up, and get insured in 90 seconds now!
Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. T&Cs apply. Premium is risk profile dependent.
Your phone can connect to the world wide web and take you to the proverbial four corners of the world, all in the comfort of your home, car or wherever you are.
But what happens when you decide travelling through your phone just isn’t enough, and you need to see the sights in real life?
Worse still, what if, during your epic voyage, some unfortunate fate befalls your trusty cellular sidekick?
People who insure their phones with us at Pineapple need not stress over such scenarios because we’ve literally got you covered.
A globe trotter like you deserves an equally global policy, right? We think so.
That’s why, no matter near or far, wherever you and your phone are, our coverage is sure to follow.
Pineapple’s comprehensive insurance covers loss or damage to your insured items anywhere in the world.
Sigh. Our least favourite question, and yet an entirely fair one.
The last thing we’d want to do is act like a clingy ex who refuses to let you thrive beyond what we can offer.
So, if you’re adamant about leaving us, we’ve made the process as painless for you as possible.
Using the app allows you to cancel the policy any time, which will take effect at the end of your current policy month (i.e. the day before your next debit order).
It’s as simple as that.
You’ll be happy to know that getting your phone insured with us can be done in a snap.
A person wishing to insure their phone with Pineapple simply needs to download our app from their relevant app store (Google Play, App Store, or AppGallery).
Afterwards, create an account and sign in; the app will do the rest once you’re in.
‘The rest’ is that the app will pick up the device’s information and autofill it into the respective fields.
Insuring your mobile phone with Pineapple means protection against power surges, fire, theft, weather-related damage, accidental damage and impact, and leaks and floods.
Long story short, insure with us and enjoy fully comprehensive coverage for your device.
We hate to be all mysterious, but again; the answer isn’t a straightforward one.
The excess is the first amount you pay before we pay out the rest of the claim and is usually a tiny amount relative to the claim.
But you probably already knew that and instead want to understand why we can’t tell you what that amount is.
Well, the truth is your excess will be the higher value of R1100 or 17.5% of the total value of your claim.
Did you know that filing a claim for a damaged, lost or stolen phone is easy, peasy, Pineapple squeezy!
If you’re on the Pineapple website, the following instructions are for you:
Step 1: Click “Submit a claim” (top right corner).
Step 2: Sign into your account.
Step 3: Follow the steps to log your claim.
Once your claim has been lodged, one of our friendly agents will be in touch with an update on your claim.
And if you’re on the app, these next steps will assist you in submitting your claim:
Step 1: Click the icon that looks like multiple pages (second from the right-hand side).
Step 2: Click on the broken heart icon 💔 titled ‘MAKE A CLAIM’. Alternatively, click on the top right-hand corner, next to ‘Emergency Services’, and select the ‘General’ option.
Step 3: Agree to the disclaimer, and proceed to fill in the details of your item and how it came to be lost or damaged, and when etc.
Our website also has three short videos documenting the ‘How to claim’ journey.
Scroll down to the ‘Claim in 30 secs’ section to find what you’re looking for.
The resolution of a claim varies depending on the circumstances.
Allow us to explain.
Generally, once a claim is submitted and approved, it should take anywhere from a few hours to a few days to process.
Usually, you’d only have to wait between 5 to 10 working days.
However, delays can be caused by clients submitting incomplete or incorrect information, communication delays, the company receiving a high volume of claims, and an investigation if we have concerns about fraudulent behaviour.
You can avoid delays by providing complete and accurate information and responding promptly to requests for additional information or documentation.
Still trying to figure out where to start? Not a problem.
We’ve put together a handy To-Do List feature on our app for you to ensure you’re not skipping any vital steps.
The feature ensures you give us all the necessary documentation upfront during the sign-up and “insuring” phase, which can help speed up the claiming process in the long run.
Afterwards, you’ll be left with only the damage and/or police report to complete based on the nature of the incident.
To make a long story short, please ensure your to-do list items are up-to-date and complete. It’ll be worth it should you need to place a claim!
Technically, there aren’t limits to the number of claims one can submit. However, the aim of insurance is to ensure users do not claim frequently and unnecessarily.
Frequent claims, especially those lodged in a short period, may set off warning bells.
So if you claim for a cracked or damaged screen 3 times in a year, you might be advised to find an alternative insurer as you’ve become a higher risk than we’d like to take on.
We do this to ensure the protection of our community from frequent and fraudulent claimants.
Furthermore, we advise against claiming frequently as the cost of your insurance and excess may increase, making the policy and coverage less worthwhile.
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