Pineapple offers comprehensive insurance policies, but even that coverage has limits. Some things just aren’t covered, like:
Fraud, dishonesty, or misrepresentation.
Deliberate damage.
Loss/damage from war, riots, strikes, or terrorism (unless you have SASRIA).
Nuclear risks, confiscation by authorities.
Consequential loss (indirect damages).
Theft via scams.
Unauthorised repairs.
Contractual liability.
Fines, penalties, pollution.
Data/software loss or cyber attacks.
Illegal activities.
Gross negligence, wear and tear, and breakdowns from poor maintenance.
Damage from pests (termites don’t take policies).
Keys left in unsafe areas.
Damage from domestic disputes.
Undeclared business use.