• Summary of Policy Wording

    Please check the full policy wording for detail

    COVER

    The general guideline in insurance is the event must be sudden and unforeseen.

    NOTE: Please check each of your insured items on the app to see further details on the cover per item

    Theft of items that are not left unattended;
    unless concealed and locked away in your car or premises.

    You are covered for loss or accidental damage to your insured items anywhere in the world.
    A claim settlement will only be payable in Rand currency and to a bank account in South Africa.  

    Cover if insured items are stolen and can be proven, by you, to be caused by interference with your remote control by a remote blocking device.

    Damage from fire or explosion

     

    Impact with an object resulting in damage. This includes screen damage.

     

     

     

    Damage that is caused by an electricity power surge on the distribution line of any public authority.

    Damage from storms, wind, water, hail; earthquake, lightning

    Damage from leaks, flooding, overflowing of water; leakage of oil

    CLAIMING

    Notify us as soon as possible via the mobile application or web application, but no later than 30 days after the event.

    Notify the SAPS within 24 hours of any loss or theft of property

    You will always have to pay a small portion of any claim settlement. This is known as the excess.

    Dual insurance - if you have any other insurance policies insuring the same item for the same cover, the claim will be paid proportionately.

    We will pay you out the replacement cost, or amount specified (the lower of the two), of any damaged or lost insured items

    Obtain consent before proceeding with any repairs

    THINGS TO REMEMBER

    All policies are monthly and cover is on a month-to-month basis payable in advance.

     

    Premiums are collected in advance via debit order (on your specified date) or credit card (on the 1st). New items will be charged pro-rata.

    You may cancel the policy at any time, via the App, and the cancellation will take effect at the end of the month.

    Take all reasonable steps to prevent further loss or damage to your insured property after an event

    Make sure that all the information you give us about yourself, your property and your risk profile is true and accurate

    Tell us of any material change that might affect your risk profile or acceptance of cover or the premium charged

  • Full Policy Wording

    Insurance conditions of the Pineapple "My Stuff" policy

    1. IMPORTANT DEFINITIONS

    1. You                       
      Includes yourself, your spouse and any members of your immediate family who normally resides with you and are financially dependent on you.
       
    2. Insurer / We / Us
      The underwriters of the PINEAPPLE insurance policy, being Compass Insurance Company Limited (Insurer), represented by Pineapple Tech (your Digital Intermediary) and Brolink (Pty) Limited, the claims administrator of the Insurer.
       
    3. Insured items (as on the “My Stuff”) 
      Any item of property that is specifically listed in “My Stuff” that has been selected to be insured.
       
    4. My Stuff                
      This is the home page of the application resembles the following the icon on the far left.
       
    5. Premises
      Your home, outbuildings and the grounds on which they are built.

     

    2. WHAT EVENTS WE COVER YOU FOR

     

    TOP TIP:

    The general guideline in insurance is the event must be sudden and unforeseen.

     

    Your insured items are covered for accidental damage or loss as a result of:

    • Theft:
      Theft of items that are not left unattended; unless concealed and locked away in your car or in your premises. There must be clear signs of forced entry for items stolen whilst locked away in your car or premises.
       
    • Remote Blocking:
      If insured items (as on “My stuff”) are stolen from your vehicle without any forced entry and can be proven, by you, to be caused by interference with your remote control by a blocking device.
    • Weather
      Storm, wind, water, hail, earthquake & lightning
    • Fire
      Fire or explosion
    • Leaks, Flooding
      Overflowing of water apparatus; leakage of oil
    • Impact
      Impact with an object resulting in damage. This includes screen damage.
    • Power Surge
      Damage that is caused by an electricity power surge on the distribution line of any public authority.
       
    • Worldwide Cover - Theft or Damage
      You are covered for loss or accidental damage to your insured items anywhere in the world, as specified on the My Stuff.

     

    3. WHAT EVENTS WE DON’T COVER YOU FOR (4 golden guidelines)

     

    TOP TIP:

    The general guideline in insurance is the event must not be gradual (slow onset and long time to happen) and reasonably foreseeable and preventable.

     

    The damage must also not be the responsibility of another party (i.e guarantees/ warranties are the manufacturers responsibility) or on intangible related asset (such as the software, we insure the physical asset).

     

    Accidental damage or loss does NOT include any of the following (examples of what is specifically excluded):

    • Depreciation, or gradual causes such as wear and tear, deterioration, rust, rising damp and mildew, corrosion or decay
    • Damage caused by moths, vermin or insects
    • Flaws or defects, whether present when the item was new or discovered afterwards
    • fluctuations in atmospheric or climatic conditions, or the effects of light
    • any process of cleaning, dyeing or renovating
    • the bursting, rusting, corrosion or deterioration of any firearm
    • defective design, specification, construction or material
    • lack of maintenance or upgrading
    • any type of virus or malware (harmful software such as viruses or Trojans)
    • chipping, scratching, denting or breakage of porcelain or similar articles of a fragile nature
    • loss or damage while items are mailed or couriered unless specifically agreed by us in writing
    • accidental damage to sporting equipment, hobby equipment, musical instrument while being used (Exceptions such as Bicycles and skydiving equipment applies under certain conditions)
    • any damage which is covered under a guarantee or warranty
    • electrical, electronic or mechanical breakdown, unless accompanied or caused by other insured damage
    • a cleaning, repairing or restoration process
    • cracking or scratching (unless caused by theft, attempted theft, fire or explosion) of glassware, glass or other brittle articles other than jewellery, cameras, fixed glass, TV sets or digital screens.
    • the cost of reproduction or repair of data or software
    • loss or damage caused by domestic animals
    • loss or damage caused by wild animals or reptiles
    • theft of the bicycle / pedal-cycle  from an unattended vehicle unless:
      –– the vehicle is locked, or the bicycle / pedal-cycle is locked to the vehicle; and
      –– there are clear signs of forced entry or removal
    • Loss or damage of any insured item from or in connection with any exchange, cash or credit sale agreement, including theft under false pretenses and/or fraud. (For example if you sell you stuff online and the buyer steals it / or if you buy it and it never delivers it will not be covered)
    • You will only be covered if you are a permanent South African resident, not residing for more than 180 consecutive days outside of the country.

     

     

    4. GENERAL TERMS AND CONDITIONS

    • No refund after total loss claims - If a claim amounts to a total loss, we will not refund you any part of the premium, even if there is a remaining period of insurance.
       
    • Cancellation of the policy - You may cancel the policy at any time. If we wish to cancel the policy, however, we must give you 31 days’ written notice.
       
    •  Pay your premiums on time - All premiums are payable in advance by way of debit order, credit card or debit card (depending on selection via mobile app – cost implications of the selection are as displayed on the application), before your policy starts. The Insurer will allow you a 15 day grace period for premium payment to enable uninterrupted cover.
    1. On a monthly policy if the premium is paid by debit order this will be presented on the day selected by you (or the first working day thereafter) and the policy will automatically be renewed. If the debit order is dishonoured by your bank
    2. as a result of your instruction to the bank to stop payment of the debit order, the policy will lapse from the last day of the month for which premium was received
    3. for any other reason, the following month a debit will be submitted to the bank for two months premium. If this debit is returned unpaid, the policy will lapse from the last day of the month for which premium was received
       
    • Period of insurance – the period of insurance / cover will be valid on a monthly basis and for which premium has been received.

     

    5. YOUR RESPONSIBILITIES

    1. Reasonable care - you are required to take a reasonable amount of care to protect all your insured items to mitigate the risk of loss or damage.
       
    2. Prevent/minimize loss or damage when an event has occurred - you must take all reasonable steps to prevent loss or damage, and reduce the damage to your insured property after an event, or we might not compensate you for any loss or damage.
       
    3. Notify us of any material changes – you must tell us of any material change that might affect your risk profile or acceptance of cover or the premium charged.
       
    4.  Do not commit fraud - all dealings concerning this policy must be done honestly and in good faith. If you are found to have engaged in fraudulent or dishonest behavior, you will lose all rights to claim and premiums paid, and your policy will be cancelled from the date of the fraud.
       
    5. Agree to comply with Insurers’ reasonable instructions and requests.
       
    6. Obtain consent before doing any repairs / proceeding with replacement of an item - you must obtain consent from the Insurer before proceeding with / authorizing any repairs / replacement, failing which your claim may be rejected (as we might be able to get it repaired / replaced at a lower cost and higher quality through our network).
       
    7. Our rights to Salvage - You must keep the property / item that has been damaged so that we can inspect it. You must not dispose of any damaged items without our consent. The Insurer is entitled to any salvage value on recovered or damaged items that have been replaced.
       

    8. Keep jewellery and watches in a safe - you must keep all jewellery or watches valued at more than R5000 in a securely locked wall or floor-mounted safe when not in use.
       
    9. Provide us with jewellery certificates - When applying for your policy, you must provide us with a valuation certificate from a registered jeweller or valuator for all items of jewellery and watches above R10 000. All high value items of R10 000 and above will require proof of purchase and/or ownership to validate your claim.
       
    10.  Dual insurance - if you have any other insurance policies insuring the same item for the same cover, the claim will be paid proportionately.

    6. HOW TO CLAIM?

    1. Notify us as soon as reasonably possible - notify us of any event that may give rise to a claim, as soon as possible, via the mobile application, but no later than 30 days after the event. Provide us / your Digital Intermediary with all relevant details.
       
    2. Notify the SAPS within 24 hours of any loss or theft of property - the police report number is to be given to your Digital Broker.
       
    3. Give all assistance in the identification and physical recovery if any lost or stolen property is located - following indemnification, any recovered property belongs to the Insurer.

    6.1 Important time limits

    If you go beyond any of these time limits, your right to the payment of the claim will lapse:

    1. If we formally reject or dispute a claim, you have 90 days to appeal this decision.
    2. If we maintain our rejection, you have a further 180 days to pursue any legal action against us.
    3. Your claim will no longer be legally enforceable after 365 days, unless you have started legal action against us.

    7. HOW MUCH WE PAY WHEN YOU CLAIM.

    We can choose to replace or pay

    We will pay you out based on the replacement cost, or amount specified (the lower of the two), of any damaged or lost insured items (as on My Stuff) provided you adhere to all the policy requirements and your premiums are paid on or before the due date (as reflected on My Stuff).

     

    7.1 You always pay the first amount, or excess

     

    You will always have to pay the first part of any claim settlement. This is known as the excess, and this information is available on the policy schedule.

     

    7.2 What if you are under-insured?

     

    If you have insured your insured items (as on My Stuff) for less than its replacement value – i.e. you are under-insured – then you will have to bear a proportion of any loss in the event of a claim. In calculating this, we will apply the principle of average

     

    7.3 Claiming within 30 days of insuring?

    A double excess applies when claiming within 30 days of insuring an item.
    TIP: This double excess will not apply if you have connected to 10 members who are also insured on Pineapple.

     

    .

    8. WHAT CAN YOU DO IF YOUR CLAIM IS REJECTED?

    1. You may appeal

    If we reject or dispute your claim, you have the right to appeal that decision. Send your complaint, in writing, to:

    Compliance Officer:

     

    Adel Walker
    Email address adel.walker@compass.co.za

     

    Please note: You have 90 days from receipt of our rejection or dispute to lodge your appeal. If we maintain our rejection, and you wish to start legal action against us, you have a further 180 days to do this.

     

    1. You may also contact the Ombudsman

     

    At any stage of a claim, you have the right to communicate with the Insurance Ombudsman, an independent body that investigates insurance complaints from consumers. The contact details are:

     

    Ombudsman for Short-term Insurance

    Tel: 086 066-2837

    PO Box 32334 Fax: 011 726-5501

    Braamfontein 2017

    Website: www.osti.co.za              

     

     Thank you for reading!!!

                   

  • Pineapple Disclosure Notice

    Insurance related disclosures and details

    1. Your Insurance Digital Intermediary:

     

    If you have a claim or require any amendments to be made to this policy, please contact your Digital Intermediary.

     

    Trade name: PINEAPPLE TECH (PTY) LTD

    Business name: Pineapple Tech - Authorised Financial Services Provider

    Registration no: 2017 / 070966 / 07 Registered Company

    FAIS Licence no: 48650
    Authorised Financial Services Provider

    Email: info@pineapple.co.za

     

    Compliance department:

    Adel Walker, Tel no: 011 7458333, Fax no: 011 7458444

    Email: adel.walker@compass.co.za

    Contact person:

    Marnus van Heerden, Tel no: 012 6730000,

    Email: marnus@pineapple.co.za

     

    Your Digital Intermediary:

    • Has a contractual relationship with the product supplier.
    • Insurer written mandate is available on request.
    • Received more than 30% of his total remuneration, including commission, from Compass Insurance Company Ltd.
    • Does not hold guarantees.
    • Holds professional indemnity insurance cover.
    • Does not hold fidelity insurance cover.
    • Is licensed to provide the following financial services: Short Term: Personal Lines, Short Term: Commercial Lines
    • Holds a Conflict of Interest Policy.

    The Digital Intermediary fees will comprise of:

    The Digital Intermediary is paid a fee of 6.5% by the Insurer in respect of the mobile application maintenance, artificial intelligence and system provision as well as related services rendered for and on behalf of the Insurer.

     

    Binder agreements:

    Enter into, vary and renewal of policy: 3.5%

    Determination of policy benefits and rewards: 1.5%

    2. The Insurer (Underwriting this Policy):

    Name: Compass Insurance Company Ltd

    FSP no: 12148

    Registration no: 1994/003010/06

    Postal address: PO Box 37226
    Birnam Park
    2015

     

    Physical address: KPMG Wanooka Place
    St Andrews Road
    Parktown
    0084

    Contact details: 011 7458333

     

    Complaints department:     

    Adel Walker

    KPMG Wanooka Place
    St Andrews Road
    Parktown

    Tel no: 011 7458333, Fax no: 011 7458444

    Email: adel.walker@compass.co.za

     

    Compliance department:                          

    Adel Walker

    KPMG Wanooka Place
    St Andrews Road
    Parktown
    0084

    Tel no: 011 7458333, Fax no: 011 7458444

    Email: adel.walker@compass.co.za

    3. The Administrator

    The Claims Administration which is usually done by the above insurance company has been contracted out to:

     

    Name: Brolink (Pty) Ltd

    Authorised Financial Services Provider

    Registration no: 2004/010734/07

    FAIS License no: 10834

    Postal address: PO Box 9346, Centurion, 0046

    Physical address: 254 Hall street, Westend Office Park, Centurion, 0057

    Contact details: Tel no: 012 673 0000, Fax no: 012 673 0011,

    Email: brolink@brolink.co.za

    Website: www.brolink.co.za

     

    Compliance department details:

    Name: Syncerus Business Solutions (Compliance)
    (Johann Boshoff)

    Address: 7 9th Street, Menlo Park, 0181

    Contact details: Tel no: 012 346 3820, Fax no: 012 346 3926

    Email: johann@syncerus.co.za

     

    • Holds professional indemnity insurance cover
    • Holds a conflict of interest policy
    • Is licensed to provide the following financial services: Short-Term: Personal lines, Short-Term: Commercial lines

     

    If you have submitted a complaint with your Digital Intermediary and the complaint remains unresolved, please contact Brolink (Pty) Ltd.

     

    Note that for the work Brolink (Pty) Ltd does on behalf of the insurance company, they pay Brolink (Pty) Ltd a fee of 3.5% (including VAT) of the premium.

    4. The SASRIA Insurer:

    SASRIA cover attaches to your underlying policy. SASRIA covers damages caused by acts of terrorism or violence calculated to overthrow the State or to further a political aim. It also covers damages caused by riot, strike or public disorder.

     

    If you have any complaints relating to the non-disclosure or inadequate disclosure of the information to which you are entitled, please contact SASRIA's compliance department at:

    Name: SASRIA SOC Ltd Reg No 1979/000287/06

    Postal address: PO Box 653367, Benmore, 2010

    Physical address: 36 Fricker Road, Illovo, Sandton, 2196

    Contact details: Tel no: 011 214 0800/ 086 172 7742,
    Fax no: 011 4478630,

    Email: info@sasria.co.za

    Web: www.sasria.co.za

     

    Compliance Officer: Mr Mziwoxolo Mavuso

    Compliance Officer contact details: Tel no: 011 881 1311

    Compliance Officer email: mziwoxolom@sasria.co.za

    Complaints Contact: The Manager Technical and Claims

    SASRIA SOC Limited

    PO Box 653367

    Johannesburg

    2000

                                                                                               

    Complaints email: complaints@sasria.co.za

     

    Claim notification procedures:

    In the event if a claim, all relevant documentation relating to your claim must be submitted to the Non Mandated Intermediary, the name.

     

    SASRIA Non Mandated Intermediary / and address of whom appears below.

                                                                                                                                                                                                                                               

    UMA                                                                                                                                                                         

    Contact details Compass Insurance Company Limited
     

    PO Box 37226
    Birnam Park
    2015

    Tel no: 011 745 458333

    5. The Ombuds:

    We are committed to the prompt and fair resolution of any complaint lodged in respect of our rendering of a financial service. Should you wish to obtain a copy of our Complaints Resolution Policy, kindly contact our Compliance Officer at the particulars provided in this notice. Should a complaint which pertains to advice or intermediary services provided after 1st October 2004, not be resolved within 6 weeks, or you are not satisfied with the resolution decision, you have the right to refer the matter to the Ombud for Financial Services Providers. You have 6 months in which to do this.

     

     

    FAIS Ombuds:

     

    PO Box 74571, Lynwood Ridge, 0040

     

    Sussex Office Park, Ground Floor - Block B, 473 Lynnwood

    Road, Corner of Lynnwood Road and Sussex Avenue, Lynnwood, 0081

    info@faisombud.co.za

    http://www.faisombud.co.za

    012 470 9080 or 0860 324 766

    012 348 3447 or 012 470 9097

     

     

    If you require advice on complaints in respect of claims or other matter which have not been satisfactorily resolved, you may contact:

     

    Short-term Insurance Ombudsman (for personal claims complaints/queries):

     

    Postal address: PO Box 32334, Braamfontein, 2017

    Tel no: 011 726 8900

    Fax no: 011 726 5501

    Sharecall: 0860 726 890

    Website: http://www.osti.co.za

    Email: info@osti.co.za

    6. Registrar of Short-term Insurance / Financial Services Board:

    Postal address: PO Box 35655, Menlo Park, 0102

     

    Tel no: 012 428 8000

    Fax no: 012 346 6941

    Contact centre: 0800 11 04 43 or 0800 20 20 87

    Email: info@fsb.co.za

    Website: http://www.fsb.co.za

    7. General

    Important Information:

     

    7.1 When applying for insurance all material facts must be accurately and properly disclosed. The accuracy and completeness of all answers, statements or other information provided by you or on your behalf, are your own responsibility.

     

    7.2 If your Digital Intermediary completes or submits any transaction requirement on your behalf, you should be satisfied as to the accuracy and completeness of the details.

    7.3 Misrepresentation or non-disclosure of a material fact or the inclusion of incorrect information at the time of proposing for insurance may at any time lead to the avoidance of the policy from inception and a forfeiture of all premiums paid.

    7.4 On request you are entitled to be supplied with a copy or written or printed record of any transaction requirement within a reasonable time.

    7.5 The premium and fees payable by you are shown on the schedule of this policy.

     

    7.6 For a monthly paid policy the premiums are payable each month on the day of the month you selected when arranging this policy.

    7.7 Depending on the specific policy, if the premium is paid by debit order and is dishonoured by your bank:

     

    • as a result of your instruction to the bank to stop payment of the debit order, the policy will lapse on the last day of the month for which a premium was received; or
    • for any other reason, a debit for two months' premiums will be submitted to the bank the following month. If this debit is returned unpaid, the policy will lapse on the last day of the month for which a premium was received.
    7.8 For a monthly paid policy the premiums are payable each month on the day of the month you selected when arranging this policy.

     

    Warning:

     

    • Do not sign any blank or partially completed application form.
    • Complete all forms in ink.
    • Keep all documents handed to you.
    • Make note as to what is said to you.
    • Don't be pressurised to buy the product.
    • Incorrect or non-disclosure by you of relevant facts may influence your insurer on any claims arising from your contract of insurance.

    8. Claims Procedure

    The procedure for the submission of claims in detailed in the policy wording.