Your Pineapple insurance policy pack pulls together all the critical details of your cover in one place. But your Policy Schedule stands out: it’s your personalised insurance snapshot, making it one of the most important documents!
Think of it as the quick-reference version of your contract: short enough to skim, but detailed enough to matter. While it's a summary, it holds critical information specific to your insurance contract.
Understanding its contents is essential for every policyholder.
What is the Policy Schedule? The Policy Schedule is a document tailored to you. It summarises your insurance arrangement: what’s covered, how much it’s covered for, and how much you’re paying. It’s not the full “fine print,” but it’s legally binding and must always be read together with your application info and the full policy wording.
Your Policy Schedule contains details that directly affect both your cover and your pocket:
Policyholder & Policy Number: Unique identifiers for your contract.
Processing Date & Anniversary Date: Key markers for administration and annual reviews.
Debit Date & Flexible Debit Date: The day your premiums get collected.
Cover Start & End Dates: Exactly when your insurance kicks in and ends.
Sections Covered: Which parts of your life you’ve chosen to insure — motor, household contents, specified items — marked as “Taken” or “No.”
Compensation Limits: The maximum Pineapple will pay per section or item.
Premiums: Your monthly cost, inclusive of VAT, with any adjustments noted.
Excesses: The amount you’ll contribute out of pocket before Pineapple pays the rest.
Item-Specific Details: For example, your car’s make, model, and value, or the compensation limits on a specified laptop or jewellery item.
The details in your Policy Schedule are what Pineapple will use to validate a claim. If something’s wrong here, it could derail a payout. For example: If your Policy Schedule shows your address as Pretoria but you’ve since moved to Cape Town and never updated it, and a flood damages your household contents, your claim could be challenged.
That’s why Pineapple emphasises: "Please read through your Policy Schedule carefully and make sure that the information captured is correct. If you have any queries or if any of your information listed is incorrect or has changed please call our call centre."
If there’s ever a conflict between your Policy Schedule and the general policy wording, the Policy Schedule takes priority. In other words, what’s listed in your schedule is what counts.
Your Policy Schedule is your insurance at a glance. Review it regularly, keep it up to date, and treat it as the reference point for what’s covered, what’s not, and what it costs. It’s the single most important tool to make sure your insurance works exactly as you expect.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.