Insurance isn’t carved into stone tablets. Your Pineapple policy can (and sometimes will) change—it’s how insurance keeps up with the real world. Knowing why these shifts happen, how you’ll hear about them, and what you can do in response helps you stay in control instead of being caught off guard.
Why Policies Change
Pineapple may adjust your policy terms or premiums because the world around us changes, and with it, the cost of protecting you. A few of the usual suspects:
Inflation: Replacing your couch, car, or fridge costs more today than it did last year. Your cover needs to match that.
Claims Experience: If crime spikes in Joburg or hail takes another swing at Gauteng, insurers adjust to the new reality.
Regulatory Changes: New laws or rules can force changes. Think of it as Parliament sliding into your DMs.
Market Conditions: Broader shifts in the economy can nudge premiums up or down.
Your Risk Profile: Moved to a new area? Installed an alarm? Those things matter and can change the terms.
How Pineapple Communicates Changes
No fine print ambushes here. Pineapple gives you 31 days’ written notice (emailed to your last known email address) before any change takes effect. That gives you time to:
Read it properly: Don’t just skim it like a terms-and-conditions pop-up.
Do the maths: How does it affect your cover and monthly budget?
Ask questions: Use the app or website chat to get clarity if something doesn’t make sense.
Pro tip: keep your email address up to date with us. Otherwise, that 31-day notice might end up in an inbox you haven’t checked since 2014.
Your Role in Adapting
Policy changes aren’t a one-way street. You’ve also got tools to make sure your cover still works for you:
Initiating Changes: Want to bump up your contents limit or drop cover you no longer need? You can request changes anytime through Pineapple, agreed in writing or over the phone, effective from the date/time we confirm.
Annual Reviews: Even if nothing changes on our side, you should review your policy. Compensation limits need to reflect today’s replacement value, not what you paid five years ago on Black Friday.
After a Claim: While your compensation limit usually stays the same post-claim, your premium might adjust either immediately or at your policy anniversary date. Terms can shift too, depending on the nature of the claim.
Policies evolve because risks, costs, and life itself evolve. Staying informed and checking your cover regularly means no surprises when it counts. Pineapple will always keep you in the loop, but it’s up to you to make sure your cover still fits your reality.
*The information provided here is for informational purposes only. For the full terms and conditions, please consult your policy wording.