Paid out less than the insured value

I have insured all my valuable personal electronic devices with Pineapple for over a year. Recently I processed a claim for a pair of headphones that was damaged because of a power surge. The device was assessed as being irreparable and the claim was approved. Despite having paid premiums for the device for a higher value, they have seen it fit to only reimburse me for 33% of the insured value!! A few months ago, I went through an exercise of reviewing all device replacement values to ensure that this exact situation could not occur.

Pineapple also uses Device Doctor as an assessor only based in Johannesburg, which means that if you live outside Johannesburg, you do not receive the same day service that is quoted on their website. So, prepare to be inconvenienced by not having your device over a few days whilst the claim is being processed.

This is the honestly the worst experience that I have had with an insurer I would rather pay a higher premium to be with a more reputable and honest service provider.