Your Pineapple insurance policy is your financial safety net and protector, but it’s not a license to be careless. One of your key responsibilities as a Pineapple policyholder is to “take all reasonable precautions to prevent or minimise loss or damage, liability, bodily injury, and accidents.”
This is about exercising due care and diligence in how you protect your insured assets, whether it’s your car, your home, or your personal belongings.
What Does “Reasonable Precautions” Mean?
“Reasonable precautions” are the kinds of actions a sensible, cautious person would take to avoid preventable loss. Think of it as basic, proactive risk management: if you can reasonably prevent something from going wrong, you should.
Practical Examples From Your Policy
1. For your motor policy - Vehicle Roadworthiness
You must keep your car roadworthy at all times: tyres with legal tread depth, working brakes, intact windscreens, functional shock absorbers, and working lights.
Example: If you keep driving with bald tyres and later skid in the rain, your claim could be rejected because the loss was preventable.
Your policy makes it clear: failing to take due care = no cover.
Examples:
Speeding well above the limit.
Not slowing down in poor visibility or wet conditions.
Failing to stop at an intersection or pedestrian crossing.
In all these cases, Pineapple may reject your claim because reckless driving is not an “unforeseen” event — it’s avoidable negligence.
3. Household & Contents Security
For household contents, keeping proper security in place is part of your responsibility.
Examples:
Security bars fitted and locked on all opening windows.
Gates locked when the home is unattended.
Alarm systems linked to armed response kept active.
If you disable your alarm system and get burgled, Pineapple may not cover the loss.
4. Keys and Access Control
Leaving keys in an insecure place, with a stranger, or even with someone who has no responsibility for the item (like a casual acquaintance) is a breach of due care.
Example: If you leave your house keys under the doormat or give them to someone you barely know, and your home is burgled, your claim can be rejected.
The Consequences of Failing to Take Due Care
If Pineapple determines you didn’t take reasonable precautions, they may decline your claim. Why? Because insurance is meant to cover unforeseen events, not preventable ones caused by neglect or recklessness.
Your Ongoing Responsibility
This isn’t a once-off requirement. Reasonable precautions are a continuous responsibility for as long as you hold your policy. Maintaining your car, securing your home, and exercising caution are all part of ensuring that your policy stays valid and responsive.
By taking reasonable precautions, you protect yourself, your belongings and also ensure Pineapple is there to back you up when life really throws the unexpected at you.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.