Reading and understanding the policy document is the safest way to guarantee that you are on the right track.
[This is also what is legally binding between you, The Pineapple Community, The insurer and Pineapple]
When viewing your asset, you will be able to see the perils (things that can go wrong) for which you are covered.
The following icons represent these perils:
Theft
Theft of items that are not left unattended unless concealed and locked away in your car or on your premises. There must be clear signs of forced entry for items stolen whilst locked away in your car or premises.
Fire
Damage caused by Fire or explosion
Weather
Damage caused by storm, wind, water, hail, earthquake, lightning
Leaks, flooding
Damage caused by overflowing of water apparatus; leakage of oil.
Impact
Impact with an object results in damage, including screen damage.
Power surge
Damage that is caused by an electricity power surge on the distribution line of any public authority.
Accidental loss or damage worldwide
As specified on the dashboard, you are covered for loss or accidental damage to your insured items anywhere in the world.
Notable exclusions
Every asset category has notable exclusions. For instance, sporting equipment is not covered for damage during use, all items are excluded from wear and tear, and any software-related problems/ hacks are excluded.
If you would like to view these exclusions, click on the asset in the asset view.
GENERAL EXCLUSIONS RULE
The general guideline in insurance is the event must not be GRADUAL (slow onset and long time to happen) and reasonably FORESEEABLE and PREVENTABLE.
The damage must also not be the RESPONSIBILITY OF ANOTHER PARTY (i.e. guarantees/ warranties are the manufacturer's responsibility) or on INTANGIBLE RELATED ASSETS (such as the software we insure the physical asset).
Examples of such exclusions include but are not limited to:
Depreciation, or gradual causes such as wear and tear, deterioration, rust, rising dampness and mildew, corrosion or decay
Damage caused by moths, vermin or insects
Flaws or defects, whether present when the item was new or discovered afterwards
Fluctuations in atmospheric or climatic conditions or the effects of light
Any process of cleaning, dyeing or renovating
The bursting, rusting, corrosion or deterioration of any firearm
Defective design, specification, construction or material
Lack of maintenance or upgrading
Any type of virus or malware (harmful software such as viruses or Trojans)
Chipping, scratching, denting or breakage of porcelain or similar articles of a fragile nature
Loss or damage while items are mailed or couriered unless specifically agreed by us in writing
Accidental damage to sporting equipment, hobby equipment, or musical instruments while being used (Exceptions do apply under certain conditions for the likes of Bicycles, drones and air-sports equipment)
Any damage which is covered under a guarantee or warranty
Electrical, electronic or mechanical breakdown, unless accompanied or caused by other insured damage
A cleaning, repairing or restoration process
Cracking or scratching (unless caused by theft, attempted theft, fire or explosion) of glassware, glass or other brittle articles other than jewellery, cameras, fixed glass, TV sets or digital screens
The cost of reproduction or repair of data or software
Loss or damage caused by domestic animals
Loss or damage caused by wild animals or reptiles
Theft of a bicycle or pedal cycle from an unattended vehicle is prohibited unless the vehicle is locked, the bicycle or pedal cycle is locked to the vehicle, and there are clear signs of forced entry or removal