NOTE: PLEASE SEE FULL POLICY WORDING FOR FULL EXCLUSIONS AND EXAMPLES
Remember to upload your screen-selfie in-app to activate screen damage cover
Theft of items that are not left unattended; unless concealed and locked away in your car or premises.
Impact with an object resulting in damage to your item
DAMAGE FROM THE ELEMENTS
Water, Fire, Storms, Hail, Earthquakes etc.
LIGHTNING AND POWER SURGE
Damage that is caused by lightning or a municipal electricity power surge .
Loss or damage to your insured items anywhere in the world.
(A claim settlement will only be payable in Rands and to a bank account in South Africa).
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 replace/repair your item, issue a voucher to you or pay you out the required replacement/repair value
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). New items will be charged pro-rata.
Take all reasonable steps to prevent further loss or damage to your insured property after an event
You may cancel the policy at any time, via the App, and the cancellation will take effect at the end of your current policy month (i.e the day before your next debit order)
Make sure that all the info 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
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
Elzabe Botha, Tel no: 087 897 6970
Marnus van Heerden, Tel no: +2765 922 4719,
Your Digital Intermediary:
The Digital Intermediary fees will comprise of:
The Digital Intermediary is paid a fee of 15% by the Insurer
Pineapple is an authorized Financial Services Provider (FSP 48650).
The Financial Sector Conduct Authority has, under section 44(4) of the Financial Advisory
and Intermediary Services Act, 2002 (“the Act”), read with section 281(3)(b) of the Financial
Sector Regulation Act, 2017, exempts Pineapple Tech (Pty) Ltd to the extent detailed in the Notice entitled THE EXEMPTION OF PINEAPPLE TECH (PTY) LTD, 2020
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.
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
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
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
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 dishonored by your bank:
8. Claims Procedure
Claims can be submitted via the App and Website.
The procedure and conditions for the submission of claims are detailed in the policy wording.