Your All-Risk policy isn’t carved in stone, it moves with you. New gadgets, lifestyle changes, inflation, etc. — life happens, and your insurance adapts. Here’s how policy changes and renewals actually work, and what you need to do to keep your cover watertight.
Why Your Policy Might Change
Pineapple may tweak your policy from time to time. Not because we’re moody, but because the world doesn’t sit still. Some reasons:
Inflation – When prices go up, so does the cost to replace your stuff.
Claims Trends – If certain items keep getting stolen, damaged, or “mysteriously lost,” that risk gets priced in.
Regulation – New laws, new rules, new fine print.
Market Shifts – Economic changes or industry shake-ups.
Your Lifestyle – Start travelling more? Carry valuables differently? That can shift your risk profile.
How Pineapple Tells You About Changes
No surprises. If something changes, we’ll give you 31 days’ notice via your last known email. That gives you time to:
Read it – Don’t just skim.
Think about it – How does this affect your cover or premiums?
Talk to us – Got questions or need a tweak? App or website, we’re there.
Pro tip: Make sure your email is up to date. Policy changes don’t read themselves.
Annual Renewals: The “Anniversary Date”
Your policy ticks over monthly, but once a year it hits an “Anniversary Date” — like a birthday, but with more admin.
Here’s what happens on that date:
Your Compensation Limit is automatically bumped up in line with inflation.
Your premium may adjust to keep pace.
This keeps your cover realistic. If your laptop costs more to replace next year, your insurance keeps up, so you’re not left short.
Your Role in Keeping Cover Accurate
This isn’t a “set and forget” situation. You’ve got a part to play:
Request changes anytime – Add that new smartwatch, remove what you’ve sold, adjust values. We just need to confirm the change, and it kicks in from the agreed date.
Do an annual check-in – Even if you don’t hear from us, make sure your Compensation Limit and item values match real-world prices. Otherwise, underinsurance sneaks in and eats part of your payout.
After a claim – Your Compensation Limit doesn’t reset, but your premium might. We may adjust it at your anniversary date, or sooner, depending on the claim.
Quick Checklist
Keep your email address up to date.
Add/remove items as life changes.
Check values annually (think: “Could I replace this at today’s prices?”).
Understand premiums may change after claims or at renewal.
Your All-Risk policy is flexible — but only if you keep it in sync with real life. A quick review here, a tweak there, and you’ll always know your valuables are covered properly, no matter what changes.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.