Keeping Your All-Risk Policy Up-to-Date: A Guide to Amendments and Queries
Your All-Risk policy is here to protect the valuables you take with you; the kind of stuff that moves around, and so does its risk. Because life changes, keeping your details up to date isn’t just admin, it’s essential. The info you give us forms the foundation of your cover, and if it’s wrong or outdated, it can derail your claims later. Here’s how to keep things accurate, what happens if you don’t, and how to manage changes or queries without the headache.
Why Accuracy Matters: The Concept of Material Information
At the centre of every policy is something called “material information.” Fancy term, simple meaning: it’s the kind of info any reasonable person would expect us to need to fairly judge your risk. For All-Risk cover, examples include:
Your address (if you move, we need to know).
Financial changes that could affect your risk profile.
The value of your items.
Your claims history, including lost/disappeared items.
If the info you give us is incomplete or incorrect, we legally treat it as misrepresentation, non-disclosure, or fraud — whether intentional or not. That can lead us to:
Reject your claim.
Cancel your policy.
Declare your policy invalid from the start date (like it never existed).
Recover payouts we’ve already made.
Refund premiums with deductions (cover you’ve already had, plus a R450 admin fee, with refunds limited to 12 months back).
In short: keep us in the loop. It protects both of us.
How to Make Updates to Your Policy
The easiest way to keep your policy in sync with your life is through our App or website. Updates happen quickly, and it means your cover always reflects reality.
Some changes you should never delay telling us about:
Moving homes, even if it’s temporary.
Removing an item you no longer own.
Adjusting values when the replacement cost of an item changes.
Got Questions? Here’s How to Reach Us
Insurance terms can feel like alphabet soup, so if you’re ever unsure, just ask. The fastest way:
Live Chat on the Pineapple App (instant, and you’ll chat to a real human).
Website Live Chat via pineapple.co.za.
WhatsApp us on 060 012 3771
Keep a record of your chats if they involve important changes. Besides, it’s always good to have receipts.
Understanding Cooling-Off Periods
Sometimes you sign up for cover and realise a week later you didn’t actually need it. We get it. That’s why cooling-off periods exist:
New Policy or Reinstatement: You’ve got 14 days from the day you get your welcome/reinstatement pack to cancel. If no claims have been made, we’ll refund your premiums (minus the cost of cover enjoyed) within 31 days.
Policy Changes (New Items): Same 14 days, but this applies only to the new item you’ve just added. No claims = refund (again, minus cover already enjoyed).
Cancellation and Refund Rules
You can cancel anytime via the App or website, and cancellation takes effect at midnight that day. Some important notes:
No admin fee just for cancelling.
No refunds after 14 days if you’ve already claimed, or if you’ve just enjoyed the cover.
Premium submitted but not collected yet? You’ll get it back, minus a R450 admin fee.
Total Loss of an Item? If your claim is for a total loss, we don’t refund the rest of that month’s premium.
Final Word
Your All-Risk policy only works if the info in it is accurate. Think of it like keeping your GPS updated; if the map’s wrong, you will get lost. Keep us updated on material information, use the App or site to manage changes, and if you’re ever in doubt, please ask. That way, your cover stays valid, and you stay protected.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.