Pineapple excess policies

Pineapple has multiple excesses that can apply in the case of a claim. They explained that there is a curfew excess, this does not only apply when driving between 22:00 and 06:00, but also if your vehicle gets ****** out of your garage between these hours, so if you leave before 06:00 for work also a double excess would apply, this was around R6000 on top of the basic R6000 adding up to R12000. If a case like this occurred in your first six months a additional R6000 would be added on top of this, totalling R18000 for excess.

This practice does not justify a lower monthly premium. There is a disconnect between pineapple and the consumer, as most people would not be able to just have R18000 on hand, especially with marketing the lower premiums appealing to lower income earners and first-time insurance consumers.

My recommendation, spend the extra R200-300 a month at Outsurance, policies are clear and very transparent, no hidden cost and claims process is fast and reliable.