- Short-term insurance is like a safety net for your prized possessions—think of it as a security guard for your car, gadgets, and even your home.
- It's flexible and temporary—covering what you need, when you need it. Just like booking a one-night stay instead of a year-long lease.
- Your premium depends on your risk—higher risk, higher premium, but it can be adjusted with your chosen excess. It’s a bit like balancing a seesaw—more on one side, less on the other.
- Claims are straightforward with Pineapple—just snap a pic, and they’ll take care of the rest. It's as easy as ordering takeout!
- Remember, the goal is to protect what matters most without overcomplicating things.
Let’s Explain short-term insurance Pineapple Edition
So we know you’ve heard of short-term insurance but do you really know what it is? What you are and aren’t covered for? Why do your car insurance premiums vary from your friends? Carry on reading to learn more about Pineapple’s insurance on the go. We’re here to help educate and be transparent!
What is short-term insurance?
As the name suggests short-term insurance is cover you’ll have for a set amount of time. Short-term insurance covers assets like your phone, AirPods, laptop, house, bicycle, drone, iPad, household contents, and even car insurance for a temporary period. At Pineapple, we currently specialise in single-item or all-risk cover and do not do home contents insurance.
Single items/all-risk is as the name suggests, the ability to insure a singular item of value. This means you could get cellphone insurance, laptop insurance or even jewellery insurance. This is our speciality and where Pineapple started. We’ve since added car insurance - which we’ll get into, just carry on reading!
Household contents insurance allows you to cover all the possessions inside your home and outbuildings that aren't permanent fixtures of the building. Home contents would include couches, televisions and fridges as a whole so yeah it’s home content. Currently, we don’t offer household contents insurance, but you never know… do you…
How does short-term insurance work?
As opposed to long-term insurance (which generally means insuring the life of a person, with life insurance), short-term insurance covers either the loss of a specific item (e.g. your car with car insurance or phone with on-the-go insurance) or against a particular event (e.g. a robbery) over a period of time.
Your short-term insurance or “on-the-go cover” monthly premiums are influenced by different risk factors. Your risk profile includes your age, gender, location, credit score, claims history, etc. This is why for example two people could get a car insurance quote and receive two separate premium amounts (because risk profile differs from person to person)!
Pineapple’s insurance excess fee for our short-term insurance will be the higher of R500 or 17.5% of the total of your claim.
Please note: If you claim within 6 months of insuring your item, your excess will have an additional charge of R1000. This excess is specifically for single items like your phone, TV, or Playstation.
It’s important to provide proof of ownership when looking at cellphone insurance or any other on-the-go insurance.
Any of the following will serve as proof of ownership when looking at short-term insurance:
- Invoice/Till-slip
- Picture of the box with IMEI/Serial number which matches the device
- The warranty card with IMEI/Serial number which matches the device
- A bank statement showing the purchase of the device
With regards to your car insurance, you are able to choose your excess level when creating your policy.
NOTE: As is common practice, there may be specific conditions where a different excess is applied which is either added or reduced from your chosen excess.
These are fully stipulated on your car insurance policy schedule, but here are some of these specific cases:
- When claiming for broken windows or cracked windscreens there is a reduced excess applicable
- When claiming within 6 months of signing up OR when the regular driver/spouse of the regular driver is NOT driving the vehicle when an incident occurs OR if your license is less than 3 years old OR when you are under 25 an additional excess may apply
- For vehicles that do not have a tracking device, there is an additional excess if the vehicle is stolen of 7.5% of the vehicle value
Is short-term insurance worth it?
Short-term insurance is super important because it allows you to replace your valuables if unforeseen events happen — as we all know 💩 happens!
If you have short-term insurance and your phone gets stolen you can replace it with little to no hassle.
It also protects you from the inability to honour your liabilities in unforeseen circumstances.
What does short-term insurance cover with Pineapple?
Our “on-the-go”, single item insurance covers:
- 👮 Theft (includes muggings and pick-pocketing)
- 🔨 Impact (drops, fall and accidental screen damage)
- 🔥 Fire
- 🌩️ Power surges
- 📱 Screen Cover (please supply additional photos on the app to activate this)
Please see our Policy Wording and Terms & Conditions for more details when getting an insurance quote🍍.
Our fully comprehensive car insurance includes the following:
- ⚠️ Accidental damage
- 💔 Damage to others
- ⛈️ Mother nature - Hail, tsunamis, ice, snow, earthquakes, etc.
- 🦹♂️ Theft - If your car has been hijacked or stolen
- 🧯 Fire - If your ride is smoking, on fire or has just exploded
- 👀 Window and windscreen - Cracks? We’ve got you
You can read more about it here: https://www.getpineapple.info/my-ride
What makes insurance with Pineapple special?
- 🚘 Get a quote and buy car insurance or single-item insurance in under 90 seconds!
- 🤝 We're 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. One of the oldest, most trusted insurers in the game.
- ⭐ We're rated *9.6 on HelloPeter. We are serious about our customer support and care which is why we are one of the top-rated insurers in SA.
- 👨👩👧👧 We have over 100 000 active members and continue to grow day by day.
Get insurance on the go NOW!
Did you know you can get a comprehensive car quote AND cover with Pineapple in under 90 seconds?
Click here to get a car insurance quote 👉 https://bit.ly/3xL4YoA. We offer free 24-hour emergency assistance. Our premiums are comprehensive, competitive and affordable - yeah we include all the bells and whistles!
Wanna insure a single item? That’s easy, just click here to get an insurance quote 👉 https://pineappleapp.onelink.me/zh1u/blogswebsite - we’re 100% digital which means you can get a quote, buy a policy and place a claim via the app or our website. Does it GET any easier!?
Pineapple is a digital-first insurer, which helps us keep expenses low and prices low! Our primary support channel is via the in-app chat where we’d be able to assist you with whatever query you may have.
The benefit of this chat over a phone call is that you don't have to wait in line or get transferred from one department to the next while your query is being resolved. You can ask what you need and get on with your life while we work to get you the answers you need. We won’t offer financial advice (we added this in for compliance purposes haha) but we can help you get insured!
Still here? Get a quote!
Please Note: The information provided above is for informational purposes only; you should not construe any such information as legal or financial advice.
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.
Team Pineapple
Team Pineapple comprises our company’s top talents, who are dedicated to creating clear, high-quality content on essential vehicle insurance topics. This diverse group, including actuaries, accountants, data scientists, and insurance professionals across South Africa, collaborates to produce enlightening and empowering articles.
Each piece is thoroughly researched, factually accurate, and rigorously reviewed to ensure quality.
*We say they’re the finest because we want them to keep writing for us!
