Ending your insurance cover is never a light decision, but Pineapple keeps the process as straightforward as possible. That said, there are rules, timelines, and costs you should be aware of so there are no surprises when you pull the plug.
How Pineapple Can Cancel Your Policy
Pineapple reserves the right to cancel your policy, but we don’t do it without cause:
With 31 Days’ Notice: Pineapple can cancel by giving you written notice via email to your last known address. This is standard in the industry and lets insurers manage their risk portfolio.
With Immediate Effect: In more serious cases, cancellation is instant. This happens if you (or anyone acting on your behalf):
Fail to comply with Pineapple’s reasonable requests.
Commit fraud on a claim.
Are found to be dishonest about a claim.
Honesty is the backbone of your cover, not an optional choice.
How You Can Cancel Your Policy
If you decide it’s time to move on, you can cancel whenever you want:
Via the Pineapple App or Website (pineapple.co.za): Log in and submit your cancellation request.
Effective Date: Cancellation kicks in at midnight on the day you submit the request. Your cover ends right then and there.
Refunds and Costs: What You Should Expect
No Admin Fee (Mostly): Pineapple doesn’t charge a cancellation fee.
But… there are exceptions:
Premium Collected: If your premium for the current period has already been collected and you cancel with less than 31 days’ notice, there’s no refund. You’ve already enjoyed cover for that period.
Premium Submitted but Not Collected: If a debit has been sent to the bank but not yet collected, you’ll get a refund minus a R450 administration fee.
Total Loss of Insured Item: If your policy pays out for a total loss during the month (say, your car is written off), the premium for the rest of that period won’t be refunded.
After Cooling-Off or If You’ve Claimed: If you cancel outside the 14-day cooling-off period, or if you’ve already claimed, premiums already paid generally won’t be refunded.
Things to Consider Before Cancelling
Alternative Cover: Make sure you have replacement insurance lined up. A gap in cover can be financially devastating.
Policy Fit: Ask yourself if cancellation is the only option; sometimes adjusting your cover is all that’s needed.
Outstanding Premiums: Remember that debits already in progress may still run.
Cancelling your policy is easy, but it’s also final. Know your timelines, know your refund position, and always have a Plan B for cover.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.