“All-Risk” sounds like it covers everything under the sun, but no insurance policy does. Your Pineapple General & Specified Items policy has certain exclusions — situations where cover won’t apply. Knowing these up front helps you avoid claim-time shocks.
General Exclusions (Apply Across All Policies)
These are the standard “no-go” areas, no matter which section of cover you have:
Fraud, dishonesty or misrepresentation – False or exaggerated claims will be rejected.
Deliberately caused damage – If you or someone colluding with you causes the loss.
Confiscation by authorities – If customs or another legal authority seizes your item.
Consequential loss – Indirect financial loss (e.g., lost income if your pro camera breaks).
Theft under false pretences (scams) – If you willingly hand over an item to a scammer.
Unauthorized repairs – Fixing items without Pineapple’s go-ahead.
Contract liability – If you signed yourself into liability (unless you’d have been liable anyway).
Fines and penalties – Punitive damages aren’t covered.
Software and data – Content, data, or software losses aren’t covered.
Cyber terrorism – Hacking, malware, identity theft, social engineering.
Illegal activities – Items tied to illegal use or criminal acts.
Sanctions – Claims that would breach international sanctions.
Gross negligence – Reckless behaviour like leaving a laptop on the back seat in plain sight.
Domestic disputes – Damage during household conflicts.
Grid failure – Losses caused by blackouts or grid failure.
Specific Exclusions for All-Risk Items
For portable valuables, a few extra exclusions apply:
Items insured elsewhere – If it’s already covered under another policy or section.
Wear and tear – Rust, corrosion, mildew, insects, vermin, or just “old age.”
Pairs and sets – Only the damaged part’s value is covered, not the full set’s “collector’s value.”
Reproduction costs – Lost data, sounds, or images from electronic media.
Damage from cleaning/repairs – Including scorching from irons, tools, or cigarettes.
Defective design/manufacturing flaws – Items that were faulty from the start.
Chipping/scratching glassware or porcelain – Fragile stuff has limits.
Guaranteed/warrantied items – If it’s under a guarantee, service contract, or warranty, claim there first.
Undeclared overseas purchases – Items not declared at customs.
No forced entry – Theft from your home or car with no visible signs of forced entry = no cover.
Business/commercial use – Items used professionally (e.g., pro camera gear, contractor’s tools).
Internal breakdowns – Electrical/electronic/mechanical failures inside the item itself.
Why This Matters
Exclusions aren’t there to trip you up — they’re the boundaries of cover. By knowing them, you can:
Avoid claim rejections,
Spot where you may need extra/additional cover,
And protect your valuables the right way.
Bottom Line
“All-Risk” is broad, but it’s not “everything-risk.” By understanding what’s not covered, you’ll know exactly where your policy protects you — and where you might need to take extra precautions or extra cover.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.