Your Data, Handled with Care
In today’s digital world, protecting your personal information is essential. As a Pineapple policyholder, you deserve to know exactly how your data is collected, used, and protected.
Pineapple (underwritten by Old Mutual Alternative Risk Transfer Insure Limited) follows strict privacy principles, including the requirements of POPIA (Protection of Personal Information Act) in South Africa.
What We Collect and Why
We collect personal details like your identity, address, banking information, and, where relevant, certain criminal or health details. We do this for specific, legitimate reasons:
Underwriting – Assessing your risk profile to decide on cover, premiums, and terms.
Claims – Investigating, validating, and settling claims.
Credit checks – When relevant, for scoring and risk assessment.
Verification – Keeping your information accurate and up to date.
Fraud prevention – Stopping fraudulent activity, crime, or money laundering.
Market research – Improving products and services based on customer needs.
Audit & compliance – Meeting legal and regulatory obligations.
Legal proceedings – If needed, in the course of disputes or enforcement.
How Your Information May Be Shared
We share your information only when it’s necessary for your cover and with proper safeguards in place:
Service providers, including some outside South Africa, but only if they have adequate security measures.
Other insurers – Sharing data in the public interest helps prevent fraud, improve risk assessment, and keep premiums fair for everyone. Your consent is implied for this in the underwriting and claims contexts.
Your Rights
You have the right to:
Access the personal information we hold about you.
Correct or delete it (where legally permitted).
Object to certain types of processing.
Complain to the Information Regulator if you believe your privacy rights are being infringed:
Website: https://inforegulator.org.za/
Email: enquiries@inforegulator.org.za
We aim to use your information only for its primary purpose or closely related secondary purposes. For the full details, see Old Mutual’s privacy notice at www.oldmutual.co.za.
Beyond the Basics: Overlooked Details in Your Motor Policy
The Fine Print That’s Worth Your Time
Most policyholders understand the big-ticket items in their coverage, but a few smaller details can make a big difference.
Consultant Remuneration — Transparency Matters
Our consultants are full-time employees, paid a salary plus performance-based bonuses for productivity and service quality. This cost is built into your premium; it’s not a separate commission.
South African Law Applies
Your policy is governed exclusively by South African law, and any disputes will be resolved in South African courts.
“Total Loss” — More Than Just a Write-Off
We define a Total Loss as:
A stolen or hijacked vehicle that isn’t recovered.
Damage so severe it’s not economical to repair.
Your payout is based on your chosen Insured Value Type (Retail or Specified Value).
Specific Exclusions to Note
Pre-existing damage – Anything that existed before your policy started isn’t covered.
Grid failure – No cover for losses caused by power cuts, blackouts, or utility shutdowns.Stolen or counterfeit goods – No cover for losses involving illegal or counterfeit property, whether you knew or not.
Keys in unsafe places – Leaving keys in an insecure spot or with someone not responsible for your car can void related claims.
Domestic disputes – Losses from disputes between household members or cohabitants aren’t covered.
Bottom line: Knowing these details means fewer surprises and smarter cover management.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.