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Pineapple Insurance

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Pineapple Insurance

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Pineapple Insurance

Is Pineapple Insurance reliable and affordable? How does their cover work? Find out everything you need to know about this South African short-term insurance company here.

Among insurance companies, there are a few who stand out from the crowd, offering unique cover and innovation beyond the traditional insurance model. Creating something truly unique in the insurance space is an achievement few have managed in recent times. But Pineapple Insurance, an African InsurTech startup, has managed to combine artificial intelligence and the latest technology to create a new approach to insurance.

Who is Pineapple Insurance?

Pineapple Insurance is a relatively new insurance provider in South Africa. The company began when founding team members worked together in a competition to find disruptive models of insurance that could change the customer experience, profit margins, and function of insurance. Matthew Elan Smith, Marnus van Heerden, and Ndabenhle Junior Ngulube conceived of an app-based insurance product with no lengthy forms or process and a decentralised peer-minded system.

Who Underwrites Pineapple?

Pineapple Insurance is underwritten by Old Mutual Insure Limited.

Today, they offer full-fledged insurance coverage for vehicles and possessions. Their innovative insurance offering is refreshing, because unused premiums don’t go to the insurer. Instead, each person insured with them gets a digital wallet. If claims occur, funds are deducted from the Pineapple community as a whole. At the end of each year, whatever remains after the standard insurer’s fee has been deducted gets distributed between members.

How Pineapple Insurance Works

Your application for cover starts by downloading the Pineapple App, then taking a picture of the object or vehicle you want to cover. Their artificial intelligence system will predict what the object is and give you a fast price for how much cover would cost. Since there is no extra admin, call centre, or middlemen, the monthly premium quoted can be more affordable than what traditional insurers offer.

There are no complicated forms, since it is an app-driven insurance product. You can switch your cover on and off at the click of a button, any time you want. Pineapple also shares information about claims and where the money is going in the community. This unique business insurance model is designed to make insurance more transparent and rewarding.

Are Their Claims Easier?

The insurance industry has received a lot of criticism from consumers for not paying out claims. InsurTech aims to address this challenge and reduce fraudulent claims with an app-driven insurance product. Online ratings so far seem to point to simpler claims processes and frequent pay-outs.

Since all members in the community could get a lower pay-out at the end of the year if more people claim, it can motivate everyone in the community to avoid unnecessary claims. There are also terms and conditions to the cover that are, generally, simpler.

The event you claim for should be unforeseen and sudden, not a gradual, preventable, or foreseeable issue. The insured person should own the insured stuff, and Pineapple may request proof of ownership where applicable. They don’t cover intangible assets like NFTs and software.

If the event is the responsibility of a third party, it won’t be covered. And, most importantly, everyone in the Pineapple community is expected to be honest and act in good faith. This approach to insurance could save people money, increase their peace of mind, and turn a generally disliked process into something more rewarding.

What Do They Cover?

Their insurance cover includes vehicle insurance and insurance for objects, typically called portable possession cover or contents insurance. Insurance is calculated per item insured and can start from as little as R10! In addition, they cover most common perils, such as accidental damage, acts of nature, power surges, floods, and more.

Pineapple also offers a free Auto Crash Detect service to anyone with their app. You do not have to be insured with them. If the app detects that you have been in an accident, it automatically notifies your loved ones.

Is Pineapple Insurance Worth it?

They are currently #7 on HelloPeter for Insurance in South Africa. The App has an overall rating of 4.8 stars out of 5 and a trust index rating of 9.8 out of 10. If you are unsure about whether you want to try this new approach to insurance, you can check out Pineapple Insurance reviews online from other customers.

Or, you can fill in the form at the top of this page, and our high-tech system will match you with the ideal insurer. Best of all, they call you and it is obligation-free!

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