Your General & Specified Items (All-Risk) policy is built to protect the valuables you actually use every day — the things you carry, travel with, and would miss most if they were lost or damaged. Here’s the breakdown of what it does, how payments work, and the important fine print every policyholder should know.
The Core Purpose of Your Policy
At its heart, All-Risk insurance is about putting you back where you were before a covered event. If your item is stolen, lost, or damaged, Pineapple compensates you (less your excess) so you’re not left out of pocket.
Covered events include:
Accidental loss
Theft (with forced entry where required)
Fire
Natural disasters (storm, flood, hail)
Malicious damage
Accidental damage
Think of it as protection that follows your valuables wherever you take them.
How Premium Payments Work
Monthly basis → Premiums are paid in advance.
Debit Date → The day we collect your premium from your bank account.
Your responsibility → Make sure there’s enough in your account on that date.
If a payment is missed:
Pineapple retries after 15 days.
If that fails, you’ll have no cover for that month.
A non-refundable R50 re-collection fee applies for each failed attempt.
If premiums fail for 3 consecutive months, your policy is automatically cancelled from the very first unpaid Debit Date. That means no cover for any unpaid period.
Worldwide Cover: Your Items Go Where You Go
One of the biggest perks: your cover is worldwide. Whether you’re at home, in Joburg, hiking in the Drakensberg, or travelling abroad, your insured items are protected.
What’s Not Covered (Exclusions)
As broad as your cover is, there are some non-negotiables:
Fraud, dishonesty or misrepresentation → False info = rejected claim and possible cancellation.
Deliberate acts → If you (or someone colluding with you) intentionally cause damage.
Wear and tear / breakdowns → Normal use, poor maintenance, or electrical/mechanical failure.
Items used for business → Unless you’ve declared and agreed this upfront.
No forced entry → For theft from a vehicle or property, visible forced entry is required.
Stolen/counterfeit goods → Items already stolen or counterfeit aren’t covered.
Power failures → Losses from grid failure, outages, or blackouts aren’t covered.
Knowing these exclusions is as important as knowing what’s covered — it saves you from nasty surprises at claim time.
Your Pineapple All-Risk policy is flexible, portable, and global. Pay your premiums on time, keep your details up to date, and you’ll always have peace of mind that your most important items are protected.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.