When you claim on your Household Contents policy, simply saying “I had it” isn’t enough. Pineapple needs proof — both that the item was yours and what it was worth. Think of it as showing your receipts before the refund. Without this step, your claim could be rejected.
The Requirement for Proof
Pineapple puts it plainly:
“The Policyholder must give us acceptable proof that an item is owned, as well as acceptable proof of its value, if we request this.”
“We will not compensate for loss or damage to an item if not provided with proof of ownership of the item, as well as acceptable proof of its value.”
Translation: the burden of proof is on you. No proof = no payout.
What Counts as “Acceptable Proof”?
Here are some of the most common ways to back up your claim:
Purchase Receipts/Invoices → Best form of proof (shows date, description, price).
Credit or Bank Statements → Can confirm payment, especially if itemized.
Photos of the Item → Bonus points if the photo shows it in your home.
Warranty Cards/Documents → Helps link the item to you.
Instruction Manuals/Packaging → Identifies make/model.
Valuation Certificates → Especially for high-value jewellery, art, or collectibles.
Appraisals → For unique or antique items.
Videos → A simple video walk-through of your home contents works wonders.
Sworn Affidavits → A backup option if other proof is missing.
Jewellery & Watches: Special Rules
If you’re claiming for jewellery or watches valued at R5,000+ per item, you’ll need:
A professional valuation certificate, done before the loss.
Updated valuations at least every 5 years.
Without this, claims for those items won’t be paid.
Tips to Make Life Easier (Future You Will Thank You)
Create an Inventory → List items, serial numbers, and values.
Keep Receipts → File them digitally or in a safe spot.
Take Photos/Videos → Especially new or pricey stuff.
Digitise Records → Scan important docs and save them in cloud storage.
Update Valuations → For jewellery and other high-value items.
Proactive documentation = smoother, faster, more successful claims.
Final Word
Nobody loves admin, but keeping proof of your stuff means less stress when it matters most. A little prep today can save you a lot of headaches (and heartache) tomorrow.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.