Your Pineapple insurance policy is a contract built on mutual trust. While Pineapple promises to cover you for specified events, you have equally important responsibilities that directly affect the validity of your cover and whether a future claim gets paid.
Understanding and actively fulfilling these obligations is essential to keep your insurance effective.
1. Accuracy of Information – The Foundation of Your Policy
Your cover is only as strong as the information you provide. At application (and throughout your policy), you must ensure all details are correct, complete, and true, especially material information.
What counts as material information?
Anything that could reasonably influence Pineapple’s decision to cover you, the premium you pay, or the conditions applied.
Examples:
Your residential address (if you move).
A history of burglaries, accidents, or rejected claims.
Previous cancellations of insurance policies.
Defaults and Judgments against you (e.g., court orders or financial judgments).
The regular driver of your motor vehicle (if this changes)
Major changes to your financial situation.
The consequences of getting this wrong:
If your information is incorrect, incomplete, or dishonest, it can be treated as misrepresentation, omission, or even fraud. Pineapple may then:
Reject your claim.
Declare your policy invalid from the Cover Start Date (as if it never existed).
Cancel your policy immediately.
Recover compensation previously paid.
Limit any premium refund, deducting costs already incurred and capping backdated refunds to 12 months.
2. Immediate Notification of Changes – Keeping Your Policy Current
Insurance isn’t “set and forget.” You must tell Pineapple immediately if any information they hold about you or your insured items changes or is no longer accurate.
Examples:
Moving to a new residence (temporary or permanent).
A new regular driver of your vehicle (temporarily or permanently).
Being convicted of offences related to dishonesty or traffic violations.
Making structural changes to your property that impact risk.
Failing to keep your insurer informed can make your cover invalid when you need it most.
3. Taking Reasonable Precautions – Minimising Risk
Pineapple expects you to take reasonable care of your insured items and avoid unnecessary risk. This means:
Keeping your car roadworthy (functional brakes, tyres, windscreen, shocks).
Adjusting speed for road conditions, visibility, and weather.
Securing your vehicle and home according to policy requirements (alarms, locks, burglar bars, etc.).
Using due care when driving, especially at corners, intersections, or pedestrian crossings.
Failure to take due care = claim rejection.
Example: If you drive well above the speed limit and cause an accident, Pineapple may refuse to pay the claim because you didn’t exercise reasonable precautions.
4. Regular Review of Cover – Staying Adequately Protected
Your life changes, and so should your cover. It’s your responsibility to review your Compensation Limits regularly to ensure they match the replacement value of your insured items.
Example: If you upgrade your household contents or buy new valuables but don’t increase your cover, you risk underinsurance, meaning your payout will be reduced in proportion to the shortfall.
The Golden Thread: Material Information
All of the above ties back to one principle: material information. This is the information Pineapple uses to decide whether to insure you, what premium to charge, and whether to apply extra conditions.
Failing to disclose or update material information has the most serious consequence: it can void your policy from the very start.
If you’re ever in doubt, remember these 4 simple tips: Be honest. Keep your details current. Take reasonable care. Review your cover.
Doing so ensures your Pineapple policy remains valid, effective, and ready to protect you when the unexpected happens.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.