POOR FEEDBACK

When i moved over from OutSurance to Pineapple i was Happy
Now when there is a claim
i am being Penalized on payout

Being Penalized for putting a claim in that is within 3 months of taking out a policy with Pineapple
Being Penalized for another Amount as per consultant for not advising on claims payout from OUTsurance

When policy was taken the consultant asked me how many previous claims i had and gave them an estimate of 2 but in actual fact it was 4

No where during the conversation was i told that if i miss declare i would be penalized on payouts and that my Monthly premium would Increase,

Pineapple has my previous Insurance details and could have made contact with them and to confirm if the details i gave are correct , they had not done the due diligence and now i am going to be out of pocket for an amount of R10 000 ?????????

Is this day light *******

Good Day,

I hereby place on record my formal dispute regarding the penalties app**** to my recent claim following my move from OUTsurance to Pineapple. When I transferred my policy from OUTsurance to Pineapple, I did so in good faith and was initially satisfied with the service. However, upon submitting a claim, I am now being financially prejudiced in a manner that was neither clearly explained nor properly disclosed to me at the time the policy was taken out.

I have been advised that I am being penalised for the following reasons:

1. Submitting a claim within three (3) months of taking out a policy with Pineapple; and
2. An additional penalty allegedly arising from not fully disclosing my previous claims history with OUTsurance.

At the time the policy was taken out, the consultant specifically asked how many previous claims I had. I provided an estimate of two (2) claims. At no point during this discussion was I advised that:

• An incorrect or estimated disclosure would result in penalties on future claim payouts;
• My monthly premium would be increased; or
• I could be exposed to a significant shortfall on a future claim.
  
  

This information is material and should have been clearly explained in plain language, as required under the Financial Advisory and Intermediary Services Act (FAIS) and the Treating Customers Fairly (TCF) principles. Furthermore, Pineapple was provided with my previous insurer’s details. As part of your underwriting and risk assessment obligations, Pineapple had both the opportunity and ability to verify my claims history directly with OUTsurance prior to binding the policy. This due diligence was not performed, and it is unreasonable for this failure to now be shifted onto me as the policyholder. As a direct result of the above, I am now being informed that I will be personally liable for an amount of approximately R10,000, which I dispute in full. I therefore formally request the following:

1. A written breakdown of all penalties app**** to my claim and the legal basis for each;
   
   
2. Copies of any call recordings, transcripts, or documentation where these penalties and consequences were allegedly explained to me;
   
   
3. Clarification as to why Pineapple did not verify my claims history with OUTsurance prior to policy inception; and
   
   
4. Reconsideration of the claim settlement, with the penalties reversed or reduced due to lack of proper disclosure and failure to conduct due diligence.
   
   

i hope to be getting my matter resolved today after your Manager called me
Really not Happy with all the HIDDEN details that are coming out Now

i would expect to have this resolved today and no later
i am not tryin to be difficult
My REGRET IS MOVING OVER to Pineapple
Should have Just Stayed with OUTsurance

No Hidden Agendas with OUTsurance