Misleading insurance requirements and hidden Tracker contract – extremely disappointing experience

I am extremely disappointed with the way this situation has been handled and feel that consumers need to be warned.

My issue is mainly with Pineapple Insurance, not Tracker. I took out insurance because I needed confirmation of cover in order to finalise the purchase of my vehicle. During the process, I was told that a Tracker would be installed, but what was not clearly explained to me is that I would personally be tied to a 36-month contract with Tracker – completely separate from the insurance itself.

I cancelled shortly after signing up once I realised what had happened. By that point the Tracker had already been installed, and I am now being told that I am liable for a settlement fee even though I never knowingly agreed to a long-term contract in the first place. This feels extremely misleading and unfair from a consumer perspective.

To make matters worse, I have since gone onto HelloPeter and noticed that many other people appear to be experiencing the same issue – being told about the Tracker installation, but not clearly informed that it becomes a separate financial contract that you remain responsible for even if you cancel the insurance.

The most frustrating part is that I would never have agreed to this if it had been properly explained upfront. I was still in the process of getting alternative insurance quotes and only needed confirmation of cover at the time. Instead, I now feel locked into something I did not intentionally commit to.

I am asking Pineapple to review this matter fairly and acknowledge that this process is not transparent for consumers. At the very least, there needs to be clearer communication upfront so that people fully understand what they are agreeing to before installation takes place.

Very disappointing experience overall.