• Pineapple Terms and Conditions:

    These Terms and Conditions shall apply to you if you use our Pineapple app. They must be read together with the Disclaimer and Privacy Policy which appear later in this document:


    In this agreement the words below shall mean:

    • A client is someone who has an active short-term policy with us. This includes any members of your family, who are covered under your policy.
    • A non-client is someone who does not have an active policy with us but who is 16 years or older and qualifies to use our services.
    • The words "us", "we" or "our" refer to Pineapple Tech.
    • The words "you" or "your" refer to a client or a non-client.

    This agreement is a binding agreement between you (client or non-client) and us.


    This agreement sets out the Terms and Conditions governing your use of the services provided for through the Pineapple app, so it is vital that you read it carefully.


    If you are uncertain and do not agree with the Terms and Conditions, Privacy Policy, Disclaimer or other annexures that should be read in conjunction with these Terms and Conditions, then you should not accept them.


    Please note that we will only be able to provide you with the services in the event that you have accepted the Terms and Conditions of this agreement by clicking on the "REGISTER" or/and "CONFIRM" button when registering with us and by making use of the services offered by the app.


    By clicking on the "REGISTER" or/and "CONFIRM""SUBMIT" or "ACCEPT" button, you further hereby consent that we may send you promotional material or details about our products and services which we think may be of interest to you.


    The use of this Pineapple app and associated services shall not be available to any persons under the age of 16.


    This agreement shall start when you: download the software that enables you to access the services on our Pineapple app and when you register and accept the Terms and Conditions applicable; or use the services available on our Pineapple app.


    Pineapple app:

    When you download the Pineapple app and finalise registration on your smartphone or tablet, you will be bound to these Terms and Conditions as soon as you make use of any of the services offered. Should you decide that you do not want to be bound by these Terms and Conditions before making use of the services, please uninstall the Pineapple app.


    Pineapple grants you the right to install and use the Pineapple app on multiple devices that you control for the sole purpose of accessing the available services.


    You are responsible for ensuring that your mobile device is capable of downloading the Pineapple app. No fee is payable for the downloading of the Pineapple app.


    You are however responsible for paying all charges and costs of the network service provider that you incur when using the service channels, i.e. data charges.


    To ensure that the Pineapple app operates correctly, you must use the recommended hardware and software. The Pineapple app has been designed to operate with your mobile device or tablet according to the manufacturer's specifications. Modifying the device or its operating system may result in the Pineapple app not operating properly or not operating at all.


    For full functionality the app requires Android version 5 and up, as well as iOS version 8 and up. Older versions may experience difficulties or have limited app usage available.


    You must also check for software updates regularly as these may contain certain important updates for the functioning of the Pineapple app.


    It shall be your responsibility to delete or remove the Pineapple app from your mobile device if you transfer or sell your mobile device to a third person and we will not be held liable for any loss or damages should you fail to do so.


    The right to use the Pineapple app is revocable, should we deem it necessary and appropriate.


    Use of services of the Pineapple app


    Once the Pineapple app is downloaded and you have registered, you will have access to use the services as provided for through the Pineapple app.


    The following services are available in respect of the Pineapple app:

    • Promotions
    • Qualifying Deposits
    • Referrals


    We may, from time-to-time, run Promotions and these may take the form of bonus offers (whether real-money bonuses or some other form of incentive), prize draws, competitions, contests, leagues, tournaments or other form of Promotion, or a combination of any of these.


    The particular form of Promotion will be described, and full details set out, in the communications (such as e-mails, computer pop-ups and letters) we issue to tell you about each Promotion (each a Promotion Communication) and/or on the individual web landing page for the relevant Promotion.


    For the purposes of all Promotions, the promoter is the entity you have contracted with under the Terms and Conditions of Use ("We", "Us" and "Our").


    The period of time during which each Promotion will run (Promotion Period) will be specified in the applicable Specific Promotional Terms. Each Promotion will automatically close at the end of the relevant Promotion Period, at which point no further participation in that Promotion will be possible. Where no Promotion Period is specified the relevant Promotion will end when it is discontinued on the Platform.


    To be eligible to participate in any Promotion, You must:

    (a) be eighteen (18) years of age or older, or the legal age of majority in Your home country, state or province;

    (b) be legally entitled to use our services in accordance with Our Terms and Conditions of Use;

    (c) if the Promotion is specifically intended for players who are residents of and/or located in a particular country as stated in the applicable Specific Promotional Terms, be a resident of and/or located in that country;

    (d) unless the applicable Specific Promotional Terms indicate that a "no purchase necessary" route is available and subject to section 5.2 below, have successfully completed registration on the Platform for the relevant service and opened a real money player account (Account) in accordance with Our Terms and Conditions of Use;

    (e) satisfy any other eligibility criteria set out in the relevant sections of these Standard Promotional Terms in respect of certain general categories of Promotion and in the applicable Specific Promotional Terms; and

    (f) not be an Unauthorised Person (as defined in section 6, below);


    To be eligible to participate in any Promotion which is stated to be intended for new users or which is described as a "new user" or "sign up" offer (or similar), You must not previously have opened and made a deposit into an Account on any of Our Services. Such Promotions may not be used in conjunction with any other Promotion.

    The identity of each participant in a Promotion will be determined from all or any combination of the following: name, address, email address, credit/charge/debit card number, IP address and other forms of identification which may be required. We reserve the right to request further information from you if you wish to participate in certain Promotions


    Unless otherwise indicated in the Promotion Communication, participation in each Promotion is open to players from any of Our Platforms but is limited to one per person, family, household, address or organisation to whom we send the Promotion Communication.


    We reserve the right to restrict participation in certain Promotions to players who fulfil specific selection criteria. Where a Promotion Communication permits multiple participants, we reserve the right, in our sole discretion, to limit the number of participants.


    Unless otherwise indicated in the Promotion Communication, it is intended for the addressed recipient or category of recipient only and cannot be transferred. If you are not the intended recipient or within the intended category of recipient then the offer is null and void.


    Officers, directors, employees, consultants or agents of Pineapple or any of its subsidiaries, parent or associated companies, or any of its or their respective suppliers or vendors (including advertising, printing and publicity agencies) or any officers, directors, employees, consultants or agents of any entity connected with any Promotion, or relatives of any of the foregoing persons, "relative" shall include, but not be limited to, a spouse, partner, child or sibling and any person residing in the same household as any of the foregoing persons.


    Unauthorized Persons are not permitted to participate in any Promotion.


    If a non-Qualifying User participates in any Promotion, We reserve the right, without prejudice to any other rights under the Rules, to seek the return of any bonus, payment, award or other prize, including from that user’s Account.


    We reserve the right, at Our sole discretion, to disqualify any player who cheats or who tampers or attempts to tamper with the entry process for, or the operation of, any Promotion, or whose conduct is in breach of the Rules, contrary to the spirit of the Rules or the intention of the relevant Promotion, or might, in Our reasonable opinion, bring Us, any of Our Group companies or any of Our or their respective brands into disrepute.

    Qualifying Deposits

    Unless the applicable Specific Promotional Terms indicate that a "no purchase necessary" route is available (or such other dispensation is available), participation in any Promotion is subject to You having made the required minimum deposit as may be required from time-to-time into Your Account, once opened, (Qualifying Deposit) unless the Specific Promotional Terms specify that a different Qualifying Deposit amount is required.

    Transfers made between user Accounts (user transferring money to user "B") and reverse cash outs do not qualify as deposits for the purpose of any minimum Qualifying Deposit requirements.

    Free Trial

    This offer (the “New 30-Days Free Trial Offer”), which is made to you by Pineapple (as defined in the Pineapple Terms and Conditions of Use), entitles you access to the Pineapple Service (as defined in the Pineapple Terms and Conditions of Use) for a period of thirty (30) days from the moment that you activate such trial period by submitting your payment details (the “Free Trial Period”). By submitting your payment details, you accept the new 30-Days Free Trial Offer and (i) consent to us using your payment details in accordance with our Privacy Policy, (ii) acknowledge and agree to Pineapple Terms and Conditions of Use and these Pineapple Service General Free Trial Terms and Conditions.


    At the end of the free trial you will be given the option to become a paying member and will be notified of this option via the mobile application.


    The Refer and earn referrals service is only available to clients and staff members.

    When using the Refer and earn service, you hereby consent to us accessing the contacts from your device in order to gather their contact details. In the event that the contact details are not on your phone, you agree to provide the details of the person you wish to refer, manually through the application.


    The FAIS Act states that a person who is not an authorised Financial Services Provider (FSP), accredited or is not a mandated representative of a FSP is not permitted to give advice on financial products or provide any financial intermediary services to any other person.


    No referrer is allowed to give advice or intermediary services in respect of any financial service including but not limited to insurance, to prospective policy holders or act as an in-between insurance agent in any way.

    Insurance law prohibits inducement and therefore no Referrer may offer a referee an incentive to become a policy holder with us. Therefore a referrer may not bring any prospective policy holder under the impression that he/she may be obliged in any way to take out a policy with us.


    You must always act in accordance with the Terms and Conditions as set out above.


    We will not be liable for any illegal or unlawful actions or misrepresentations made by the Referrer to the Referee in respect of this service or any Pineapple products. The referrer is not mandated to act as a representative, agent or authorised to incur any obligations or liabilities on our behalf or to give any warranties, representations or undertakings of any nature on our behalf


    We respect your privacy and therefore any information obtained through the use of our services on the app is subject to the Terms and Conditions as set out in our Privacy Policy. Our Privacy Policy explains how, why and when we collect, use, share and store your personal information.

    Intellectual property

    You are not permitted to use any of our logos, trademarks, slogans or any other device or form of intellectual property belonging to us in general and in particular relating to the services through this Pineapple app.


    You may not copy, reproduce, display, reverse engineer or use any intellectual property in any manner whatsoever without our prior written consent.


    By using Pineapple services and Application you agree to not copy content, processes, user experience, designs and methodologies in order to provide any service that is competitive or to create derivative works thereof.


    Unauthorised or unlawful use of our intellectual property will result in us taking legal action you.

    Amendment of agreement

    We have the right to amend or add new Terms and Conditions for the use of the service channels or value add services at any time. Whenever we materially change this agreement, we will electronically update this agreement, the Privacy Policy, the Disclaimer and the other annexures that are applicable. We will notify you of the updated version. If you do not agree with the amendments and fail to notify us of your intention to end the agreement within the 7(seven) day period, it shall be assumed that you accept the amended or new Terms and Conditions.


    You agree to review the Terms and Conditions of this agreement, Privacy Policy, Disclaimer and all other annexures whenever you access the referral channels for any such amendments. Save as expressly provided to the contrary in this agreement, the amended version of the agreement shall supersede and replace all previous versions thereof.

    Termination of agreement

    We can terminate this agreement at any time or end your right to use the services provided through the Pineapple app upon providing you with reasonable notice. This will not affect instructions given to us whilst using the services available through the Pineapple app before the agreement has ended.

    We reserve the right to terminate your right to use the services provided through the Pineapple app should any one or more of the following events occur:

    • You commit fraud or we suspect that you have done so;
    • Where we are under the impression that your behaviour was inappropriate or constitutes misconduct.
    • If you breach this agreement;
    • If you no longer have access to the equipment or services necessary to use the services. For example where the cellular phone company has deregistered your contact number.
    • If the law requires us to do so.

    You agree that we can provide information about the products or services offered through the Pinapple app or this agreement by any means, including but not limited to publishing a notice on our app itself or using electronic means, including SMS or email.


    Every clause of this agreement is severable from the others including the clause headings. The clause headings have been inserted for convenience and will therefore not be taken into consideration in its interpretation. If one or more of the clauses are invalid it will not mean the entire agreement is invalid and as such the rest of the clauses contained in the agreement will still be valid and apply.


    By using the Pineapple app you acknowledge and agree to the following Disclaimer.


    Use of the app and the related products and/or services shall be governed by, and construed in all respects in accordance with the laws of South Africa, and subject to the exclusive jurisdiction of the South African courts. The content of the app is not provided for or intended for the use of customers and/or users outside the jurisdiction of South Africa.


    Use of this Pineapple app or the information, products and services available on this Pineapple app is at the user's own risk. Notwithstanding the provisions of sections 43(5) and 43(6) of the Electronic Communications and Transactions Act, we accept no liability whatsoever relating to any loss, expense, claim or damage, whether direct, indirect or consequential, arising from the use and/or reliance upon the information on this Pineapple app or any actions or transactions resulting there from even if we have been advised of the possibility of such loss, expense, claim or damages.


    We also do not endorse, warrant or make any representations about the content, products, services, security or reliability of such other products and services.


    Please note we have no control over such third parties products or service. We are therefore not responsible for any loss or damage you suffer, whether directly or indirectly because of a third party's products or services or the use of such products or services. You hereby agree to indemnify us and hold us harmless for any loss, expense, claim or damage, whether direct, indirect or consequential, arising from or that you may suffer, or cause in this regard.


    We are not responsible for any error or delay that may arise as a result of you being unable to access the services due to error on your equipment, software or services provided to you by third parties.


    Whilst we will at all times use our best efforts to ensure that our app operates as it was designed by us, we cannot warrant that the services are compatible with, or will operate with your mobile device or any software/hardware that you have on your mobile device.


    We make no representation or warranty, whether express or implied, as to the operation, integrity, availability or functionality of our app or as to the accuracy, completeness or reliability of any information obtained from this app.


    We also make no warranty or representation, whether express or implied, that the products, information or files available on this app are free of viruses, destructive materials or any other data or code which is able to corrupt, compromise or jeopardise the operation or content of your mobile device, network or your hardware or software. You accept all risks associated with the existence of such viruses, destructive materials or any other data or code which is able to corrupt, compromise or jeopardise the operation or content of your mobile device, or your hardware or software.


    We accept no responsibility for any errors or omissions on our app.


    We may, in our sole discretion, at any time, suspend or terminate the operation of our app or any of the products or services provided in terms of this app, without prior notice. We may also at any time discontinue or disable certain parts of the services available through this app for the purposes of maintenance or upgrades or other causes beyond our control. In the event that these service channels are unavailable as stated, we request that you call our contact centre in order to make necessary changes or make queries on your policy.


    All rights remain reserved.

    Processing of account payments

    Company may use third party electronic payment processors and/or financial institutions ("ESPs") to process financial transactions. You irrevocably authorize us, as necessary, to instruct such ESPs to handle such transaction and you irrevocably agree that Company may give such instructions on your behalf in accordance with your requests as submitted on the Site. You agree to be bound by the terms and conditions of use of each applicable ESP, and in the event or conflict between these Terms and the ESP's terms and conditions then these Terms shall prevail.


    Debit Order Terms and Conditions

    You hereby authorise Us to issue and deliver payment instructions to your Banker for collection against your defined account at your Bank (or any other bank or branch to which we may transfer our account) on condition that the sum of such payment instructions will never exceed our obligations as agreed to in the Contract of Insurance (“Agreement”), commencing on the payment date selected on the Mobile Application and continuing until this Authority and Mandate is terminated by us by giving you notice in writing of not less than 20 ordinary working days, and sent by email or in-app notification.


    The individual payment instructions so authorised to be issued must be issued and delivered as follows: monthly.


    In the event that the payment day falls on a Sunday, or recognised South African public holiday, the payment day will automatically be the preceding ordinary business day. Furthermore, if there are insufficient funds in my account to meet the obligation, you entitle us to track your account and represent the instruction for payment as soon as sufficient funds are available in your account.


    You agree that the withdrawals hereby authorised will be processed through a computerised system provided by the South African Banks. You also acknowledge that details of each withdrawal will be printed on your bank statement. Such must contain a number, which must be included in the said payment instruction and if provided to you should enable you to identify the Agreement.


    Mandate: You acknowledge that all payment instructions issued by Us shall be treated by your abovementioned Bank as if the instructions have been issued by you personally.


    Cancellation: You agree that although this Authority and Mandate may be cancelled by you, such cancellation will not cancel the Agreement. You shall not be entitled to any refund of amounts which We have withdrawn while this Authority was in force, if such amounts were legally owing to Us.

    Assignment: You acknowledge that this Authority may be ceded or assigned to a third party if the Agreement is also ceded or assigned to that third party, but in the absence of such assignment of the Agreement, this Authority and Mandate cannot be assigned to any third party.


    We whilst acting as an Agent for the Compass Insurance Company Limited are authorised to draw payment in terms of the cover chosen until cancelled in writing by either party.


    What this means for you as a Customer – Debit order terms and conditions


    If you do not give us your correct banking details, or if your banking details change at any time in the future and you don’t let us know about this, you will still be responsible for making sure that your Pineapple account is paid every month.


    When we try to take money from your account in terms of the debit order instruction that you have given to us, and we see that there is not enough money in your account to cover this debit order, then we will keep tracking your bank account until we see that money has come into your account and it is enough to cover the debit order amount. We will then deduct the instalment owed to us.


    If the bank charges fees for the debit order, you must pay these fees.


    Your bank will see all instructions that we give it to take money from your account, as if the instructions have been given by you.

    You must give us 30 days notice to cancel your debit order. If we take money from your bank account that is owed to us while your debit order is in place, during this 30 day period, we will not refund you this amount. If you cancel your debit order, it won’t affect your credit agreement that you have with us.


    We cannot transfer any of our rights that you have given us under this debit order to any other party, unless we (TFG) transfer all of our rights in your credit agreement to another party.


    We will treat this debit order instruction as if your bank has given it to us.

    This is what will reflect on your bank statement when we take the money from your account


     Cancellations and refunds

    When your paid plan begins, you will receive an e-mail receipt. You may cancel at any time before the end of your first month, and you will not be charged. Thereafter, you may cancel Your Account at any time, and you will not be charged further; however, you will not receive a refund when you cancel. Directions for cancelling are below.

    Insurance cover will end at the end of the month of cancelation


    The User agrees to indemnify, defend and hold Pineapple, its partners, affiliates, contractors, officers, directors, employees and agents harmless against, all liabilities, damages and costs including attorney fees and costs payable to third parties arising out of a claim or dispute against Pineapple arising directly or indirectly from the User’s acts and/or omissions to act in using the Services pursuant to the Terms.


    Pineapple shall not be liable for the content and/or information, or the accuracy thereof, as uploaded by the User.


    In no event shall Pineapple, its licensors, its suppliers, or any third parties mentioned on the App or during the rendering of the Service be liable for any damages, including, without limitation, direct, indirect, incidental, special or consequential damages, personal injury/wrongful death, lost profits, or damages resulting from the use of or inability to use the App and/or Service, the content, or arising out of the use of or inability to use the Service, even if we have been advised of the possibility of such damages, whether based on warranty or contract and whether or not Pineapple, its licensors, its suppliers, or any third parties mentioned on the Pineapple Insurance App and Service are advised of the possibility of such damages.

  • Pineapple Privacy Policy


    By using this Pineapple app you acknowledge and agree to the Privacy Policy of the app which is set out below.

    The Privacy Policy relates to the collection and use of personal information you may supply to us through your use of the service channels on the Pineapple app and such policy therefore governs the manner in which your personal information will be dealt with.


    Personal information for the purposes of this document means all information specific to you, which is provided to us through the use of our app. In other words, information that identifies you. This includes but is not limited to the following personal information that you may provide to us when using the app:

    • Your name and surname;
    • RSA identity number or date of birth;
    • Contact numbers;
    • E-mail address.

    By using any of the services on our app you hereby consent that we may send you promotional material or details which we think may be of interest to you.


    Please note that you will not be allowed to use the services unless you consent to us using your information for marketing purposes in the future.


    By using the Pineapple you consent that select non- monetary information relating to your insurance, performance, asset-register, personal information and connectivity will be shown to other users in the interest of transparency and treating other community members fairly. If you wish to adjust what other users can see, you can do so from privacy settings on your profile.


    User generated content:

    You are solely responsible for your conduct and any data, text, files, information, usernames, images, graphics, photos, profiles, audio and video clips, sounds, musical works, works of authorship, applications, links and other content or materials (collectively, "Content") that you submit, post or display on or via the Service.


    You must not create or submit unwanted email, comments, likes or other forms of commercial or harassing communications (a/k/a "spam") to any Pineapple users.


    By using our Service you understand and agree that we are providing a platform for you to post content, including photos, comments and other materials ("User Content"), to the Service and to share User Content publicly. This means that other Users may search for, see, use, or share any of your User Content that you make publicly available through the Service, consistent with the terms and conditions of this Privacy Policy and our Terms of Use

    Finding friends on Pineapple:

    • If you choose, you can use our "Find friends" feature to locate other people with Pineapple accounts either through (i) your contacts list, (ii) third-party social media sites or (iii) through a search of names and usernames on Pineapple.
    • If you choose to find your friends through (i) your device's contacts list, then Pineapple will access your contacts list to determine whether or not someone associated with your contact is using Pineapple.
    • If you choose to find your friends through a (ii) third-party social media site, then you will be prompted to set up a link to the third-party service and you understand that any information that such service may provide to us will be governed by this Privacy Policy.
    • If you choose to find your friends (iii) through a search of names or usernames on Pineapple then simply type a name to search and we will perform a search on our Service.


    Note about "Invite Friends" feature: If you choose to invite someone to the Service through our "Invite friends" feature, you may select a person directly from the contacts list on your device and send a text or email from your personal account. You understand and agree that you are responsible for any charges that apply to communications sent from your device, and because this invitation is coming directly from your personal account, Pineapple does not have access to or control this communication


    Automatically Collected Information

    In addition, the Application may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile devices unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browsers you use, information about the phone you are using and information about the way you use the Application.


    When you visit the application, we may use GPS technology (or other similar technology) to determine your current location in order to determine the city you are located within. We will not share your current location with other users or partners.


    If you do not want us to use your location for the purposes set forth above, you should turn off the location services for the mobile application located in your account settings or in your mobile phone settings and/or within the mobile application.

    We use third-party analytics tools to help us measure traffic and usage trends for the Service. These tools collect information sent by your device or our Service, including the web pages you visit, add-ons, and other information that assists us in improving the Service. We collect and use this analytics information with analytics information from other Users so that it cannot reasonably be used to identify any particular individual User.


    Do third parties see and/or have access to information obtained by the Application?

    Yes. We will share your information with third parties only in the ways that are described in this privacy statement.


    We may disclose User Provided and Automatically Collected Information:

    as required by law, such as to comply with a subpoena, or similar legal process; when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request; with our trusted services providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this privacy statement.


    Obtaining credit information from 3rd parties

    By using the Pineapple app you are consenting we may obtain your credit, ITC, and vehicle details from selected 3rd party service providers. We may also collect and use publicly available data relating to you or your assets.


    Data Retention Policy, Managing Your Information

    There may be links from the Service, or from communications you receive from the Service, to third-party web sites or features. There may also be links to third-party web sites or features in images or comments within the Service. The Service also includes third-party content that we do not control, maintain or endorse. Functionality on the Service may also permit interactions between the Service and a third-party web site or feature, including applications that connect the Service or your profile on the Service with a third-party web site or feature. For example, the Service may include a feature that enables you to share Content from the Service or your Content with a third party, which may be publicly posted on that third party's service or application.


    Data protection:

    We will retain User Provided data for as long as you use the Application and for a reasonable time thereafter. We will retain Automatically Collected information for up to 72 months and thereafter may store it in aggregate. If you’d like us to delete User Provided Data that you have provided via the Application, please contact us at info@Pineapple.co.za and we will respond in a reasonable time. Please note that some or all of the User Provided Data may be required in order for the Application to function properly.



    We do not use the Application to knowingly solicit data from or market to children under the age of 13. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us at info@Pineapple.co.za We will delete such information from our files within a reasonable time.



    We are concerned about safeguarding the confidentiality of your information. We provide physical, electronic, and procedural safeguards to protect information we process and maintain. For example, we limit access to this information to authorized employees and contractors who need to know that information in order to operate, develop or improve our Application. Please be aware that, although we endeavour to provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches.


    Your privacy is important to us. We will therefore not sell, rent or provide your personal information to unauthorised entities or other third parties, for their independent use, without your consent, excluding in app information relating to your insurance/ asset activity.


    If at any stage, after you have given us your consent, you no longer wish that we use your personal information, you may at any stage withdraw your consent by uninstalling the Pineapple app from your mobile device and notify us either telephonically or by email of the withdrawal of your consent.


    We have the highest regard for the privacy of the personal information obtained through the use of our app, and therefore will only use the personal information obtained subject to the Terms and Conditions of this agreement and for the purpose for which it was collected and only for the purposes of positively identifying the user when the app is accessed as well as in order to quote you.


    We value the information you chose to provide and which we collect from you and will take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration.

    The information we maintain concerning you is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.


    In this regard however, we cannot guarantee the security of any personal information that you disclose through our app. You therefore accept the inherent risk of providing information when using our app and will not hold us, our directors, employees or agents responsible for any breach of security.


    The following are the instances when we will be entitled to disclose the personal information obtained from you:

    • When any regulatory authority for the various financial sectors requests same; To comply with any regulation passed under relevant legislation, or any legal process; To enforce and protect our rights and property(including intellectual property) ;
    • When you have expressly authorised us to do so.

    Please ensure that you have read and understood the Terms and Conditions of this Privacy Policy before you provide us with your personal information.

    We reserve the right in our sole discretion to amend this Privacy Policy from time to time. You agree to review the Privacy Policy whenever you visit our app for any such amendments. Save as expressly provided to the contrary in this Privacy Policy, the amended version of the Privacy Policy shall supersede and replace all previous versions thereof

  • Pineapple Policy Wording

    Insurance conditions of the Pineapple "My Stuff" policy


    1. You                       
      Includes yourself, your spouse and any members of your immediate family who normally resides with you and are financially dependent on you.
    2. Insurer / We / Us
      The underwriters of the PINEAPPLE insurance policy, being Compass Insurance Company Limited (Insurer), represented by Pineapple Tech (your Digital Intermediary) and Brolink (Pty) Limited, the claims administrator of the Insurer.
    3. Insured items (as on the “My Stuff”) 
      Any item of property that is specifically listed in “My Stuff” that has been selected to be insured.
    4. My stuff                
      This is the home page of the application resembles the following the icon on the far left.
    5. Premises
      Your home, outbuildings and the grounds on which they are built.




    TOP TIP:

    The general guideline in insurance is the event must be sudden and unforeseen.


    You’re insured items are covered for accidental damage or loss as a result of:

    • Theft:
      Theft of items that are not left unattended; unless concealed and locked away in your car or in your premises. There must be clear signs of forced entry for items stolen whilst locked away in your car or premises.
    • Remote Blocking:
      If insured items (as on “My stuff”) are stolen from your vehicle without any forced entry and can be proven, by you, to be caused by interference with your remote control by a blocking device.
    • Weather
      Storm, wind, water, hail; earthquake, lightning
    • Fire
      Fire or explosion
    • Leaks, Flooding
      Overflowing of water apparatus; leakage of oil
    • Impact
      Impact with an object resulting in damage. This includes screen damage.
    • Power Surge
      Damage that is caused by an electricity power surge on the distribution line of any public authority.
    • Worldwide Cover - Accidental loss or Damage
      You are covered for loss or accidental damage to your insured items anywhere in the world, as specified on the My Stuff.


    3. WHAT EVENTS WE DON’T COVER YOU FOR (4 golden guidelines)


    TOP TIP:

    The general guideline in insurance is the event must not be gradual (slow onset and long time to happen) and reasonably foreseeable and preventable.


    The damage must also not be the responsibility of another party (i.e guarantees/ warrantees are the manufacturers responsibility) or on intangible related asset (such as the software, we insure the physical asset).


    Accidental damage or loss does NOT include any of the following (examples of what is specifically excluded):

    • Depreciation, or gradual causes such as wear and tear, deterioration, rust, rising damp and mildew, corrosion or decay
    • Damage caused by moths, vermin or insects
    • Flaws or defects, whether present when the item was new or discovered afterwards
    • fluctuations in atmospheric or climatic conditions, or the effects of light
    • any process of cleaning, dyeing or renovating
    • the bursting, rusting, corrosion or deterioration of any firearm
    • defective design, specification, construction or material
    • lack of maintenance or upgrading
    • any type of virus or malware (harmful software such as viruses or Trojans)
    • chipping, scratching, denting or breakage of porcelain or similar articles of a fragile nature
    • loss or damage while items are mailed or couriered unless specifically agreed by us in writing
    • accidental damage to sporting equipment, hobby equipment, musical instrument while being used
    • any damage which is covered under a guarantee or warranty
    • electrical, electronic or mechanical breakdown, unless accompanied or caused by other insured damage
    • a cleaning, repairing or restoration process
    • cracking or scratching (unless caused by theft, attempted theft, fire or explosion) of glassware, glass or other brittle articles other than jewellery, cameras, fixed glass, TV sets or digital screens.
    • the cost of reproduction or repair of data or software
    • loss or damage caused by domestic animals
    • loss or damage caused by wild animals or reptiles
    • theft of the bicycle / pedal-cycle  from an unattended vehicle unless:
      –– the vehicle is locked, or the bicycle / pedal-cycle is locked to the vehicle; and
      –– there are clear signs of forced entry or removal




    1. No refund after total loss claims - If a claim amounts to a total loss, we will not refund you any part of the premium, even if there is a remaining period of insurance.
    2. Cancellation of the policy - You may cancel the policy at any time. If we wish to cancel the policy, however, we must give you 31 days’ written notice.
    3.  Pay your premiums on time - All premiums are payable in advance by way of debit order, credit card or debit card (depending on selection via mobile app – cost implications of the selection are as displayed on the application), before your policy starts. The Insurer will allow you a 15 day grace period for premium payment to enable uninterrupted cover.
    • On a monthly policy if the premium is paid by debit order this will be presented on the day selected by you (or the first working day thereafter) and the policy will automatically be renewed. If the debit order is dishonoured by your bank
    • as a result of your instruction to the bank to stop payment of the debit order, the policy will lapse from the last day of the month for which premium was received
    • for any other reason, the following month a debit will be submitted to the bank for two months premium. If this debit is returned unpaid, the policy will lapse from the last day of the month for which premium was received
    1. Period of insurance – the period of insurance / cover will be valid on a monthly basis and for which premium has been received.



    1. Reasonable care - you are required to take a reasonable amount of care to protect all your insured items to mitigate the risk of accidental loss or damage.
    2. Prevent/minimize loss or damage when an event has occurred - you must take all reasonable steps to prevent loss or damage, and reduce the damage to your insured property after an event, or we might not compensate you for any loss or damage.
    3. Notify us of any material changes – you must tell us of any material change that might affect your risk profile or acceptance of cover or the premium charged.
    4.  Do not commit fraud - all dealings concerning this policy must be done honestly and in good faith. If you are found to have engaged in fraudulent or dishonest behavior, you will lose all rights to claim and premiums paid, and your policy will be cancelled from the date of the fraud.
    5. Agree to comply with Insurers’ reasonable instructions and requests.
    6. Obtain consent before doing any repairs - you must obtain consent from the Insurer before proceeding with / authorising any repairs, failing which your claim may be rejected (as we might be able to get it repaired at a lower cost and higher quality through our network).
    7. Keep jewellery and watches in a safe - you must keep all jewellery or watches valued at more than R5000 in a securely locked wall or floor-mounted safe when not in use.
    8. Provide us with jewellery certificates - before your cover starts, you must provide us with a valuation certificate from a registered jeweller or valuator for all items of jewellery above R10 000.
    9.  Dual insurance - if you have any other insurance policies insuring the same item for the same cover, the claim will be paid proportionately.

    6. HOW TO CLAIM?

    1. Notify us as soon as reasonably possible - notify us of any event that may give rise to a claim, as soon as possible, via the mobile application, but no later than 30 days after the event. Provide us / your Digital Intermediary with all relevant details.
    2. Notify the SAPS within 24 hours of any loss or theft of property - the police report number is to be given to your Digital Broker.
    3. Give all assistance in the identification and physical recovery if any lost or stolen property is located - following indemnification, any recovered property belongs to the Insurer.

    6.1 Important time limits

    If you go beyond any of these time limits, your right to the payment of the claim will lapse:

    1. If we formally reject or dispute a claim, you have 90 days to appeal this decision.
    2. If we maintain our rejection, you have a further 180 days to pursue any legal action against us.
    3. Your claim will no longer be legally enforceable after 365 days, unless you have started legal action against us.


    We can choose to replace or pay

    We will pay you out based on the replacement cost, or amount specified (the lower of the two), of any damaged or lost insured items (as on My Stuff) provided you adhere to all the policy requirements and your premiums are paid on or before the due date (as reflected on My Stuff).


    2.1 You always pay the first amount, or excess


    You will always have to pay the first part of any claim settlement. This is known as the excess, and this information is available on the policy schedule.


    2.2 What if you are under-insured?


    If you have insured your insured items (as on My Stuff) for less than its replacement value – i.e. you are under-insured – then you will have to bear a proportion of any loss in the event of a claim. In calculating this, we will apply the principle of average.


    1. You may appeal

    If we reject or dispute your claim, you have the right to appeal that decision. Send your complaint, in writing, to:

    Compliance Officer:


    Adel Walker
    Email address adel.walker@compass.co.za


    Please note: You have 90 days from receipt of our rejection or dispute to lodge your appeal. If we maintain our rejection, and you wish to start legal action against us, you have a further 180 days to do this.


    1. You may also contact the Ombudsman


    At any stage of a claim, you have the right to communicate with the Insurance Ombudsman, an independent body that investigates insurance complaints from consumers. The contact details are:


    Ombudsman for Short-term Insurance

    Tel: 086 066-2837

    PO Box 32334 Fax: 011 726-5501

    Braamfontein 2017

    Website: www.osti.co.za              


     Thank you for reading!!!


  • Pineapple Disclosure Notice

    Insurance related disclosures and details

    1. Your Insurance Digital Intermediary:


    If you have a claim or require any amendments to be made to this policy, please contact your Digital Intermediary.


    Trade name: PINEAPPLE TECH (PTY) LTD

    Business name: Pineapple Tech - Authorised Financial Services Provider

    Registration no: 2017 / 070966 / 07 Registered Company

    FAIS Licence no: 48650
    Authorised Financial Services Provider

    Email: info@pineapple.co.za


    Compliance department:

    Adel Walker, Tel no: 011 7458333, Fax no: 011 7458444

    Email: adel.walker@compass.co.za

    Contact person:

    Marnus van Heerden, Tel no: 012 6730000,

    Email: marnus@pineapple.co.za


    Your Digital Intermediary:

    • Has a contractual relationship with the product supplier.
    • Insurer written mandate is available on request.
    • Received more than 30% of his total remuneration, including commission, from Compass Insurance Company Ltd.
    • Does not hold guarantees.
    • Holds professional indemnity insurance cover.
    • Does not hold fidelity insurance cover.
    • Is licensed to provide the following financial services: Short Term: Personal Lines, Short Term: Commercial Lines
    • Holds a Conflict of Interest Policy.

    The Digital Intermediary fees will comprise of:

    The Digital Intermediary is paid a fee of 6.5% by the Insurer in respect of the mobile application maintenance, artificial intelligence and system provision as well as related services rendered for and on behalf of the Insurer.


    Binder agreements:

    Enter into, vary and renewal of policy: 3.5%

    Determination of policy benefits and rewards: 1.5%

    2. The Insurer (Underwriting this Policy):

    Name: Compass Insurance Company Ltd

    FSP no: 12148

    Registration no: 1994/003010/06

    Postal address: PO Box 37226
    Birnam Park


    Physical address: KPMG Wanooka Place
    St Andrews Road

    Contact details: 011 7458333


    Complaints department:     

    Adel Walker

    KPMG Wanooka Place
    St Andrews Road

    Tel no: 011 7458333, Fax no: 011 7458444

    Email: adel.walker@compass.co.za


    Compliance department:                          

    Adel Walker

    KPMG Wanooka Place
    St Andrews Road

    Tel no: 011 7458333, Fax no: 011 7458444

    Email: adel.walker@compass.co.za

    3. The Administrator

    The Claims Administration which is usually done by the above insurance company has been contracted out to:


    Name: Brolink (Pty) Ltd

    Authorised Financial Services Provider

    Registration no: 2004/010734/07

    FAIS License no: 10834

    Postal address: PO Box 9346, Centurion, 0046

    Physical address: 254 Hall street, Westend Office Park, Centurion, 0057

    Contact details: Tel no: 012 673 0000, Fax no: 012 673 0011,

    Email: brolink@brolink.co.za

    Website: www.brolink.co.za


    Compliance department details:

    Name: Syncerus Business Solutions (Compliance)
    (Johann Boshoff)

    Address: 7 9th Street, Menlo Park, 0181

    Contact details: Tel no: 012 346 3820, Fax no: 012 346 3926

    Email: johann@syncerus.co.za


    • Holds professional indemnity insurance cover
    • Holds a conflict of interest policy
    • Is licensed to provide the following financial services: Short-Term: Personal lines, Short-Term: Commercial lines


    If you have submitted a complaint with your Digital Intermediary and the complaint remains unresolved, please contact Brolink (Pty) Ltd.


    Note that for the work Brolink (Pty) Ltd does on behalf of the insurance company, they pay Brolink (Pty) Ltd a fee of 3.5% (including VAT) of the premium.

    4. The SASRIA Insurer:

    SASRIA cover attaches to your underlying policy. SASRIA covers damages caused by acts of terrorism or violence calculated to overthrow the State or to further a political aim. It also covers damages caused by riot, strike or public disorder.


    If you have any complaints relating to the non-disclosure or inadequate disclosure of the information to which you are entitled, please contact SASRIA's compliance department at:

    Name: SASRIA SOC Ltd Reg No 1979/000287/06

    Postal address: PO Box 653367, Benmore, 2010

    Physical address: 36 Fricker Road, Illovo, Sandton, 2196

    Contact details: Tel no: 011 214 0800/ 086 172 7742,
    Fax no: 011 4478630,

    Email: info@sasria.co.za

    Web: www.sasria.co.za


    Compliance Officer: Mr Mziwoxolo Mavuso

    Compliance Officer contact details: Tel no: 011 881 1311

    Compliance Officer email: mziwoxolom@sasria.co.za

    Complaints Contact: The Manager Technical and Claims

    SASRIA SOC Limited

    PO Box 653367




    Complaints email: complaints@sasria.co.za


    Claim notification procedures:

    In the event if a claim, all relevant documentation relating to your claim must be submitted to the Non Mandated Intermediary, the name.


    SASRIA Non Mandated Intermediary / and address of whom appears below.



    Contact details Compass Insurance Company Limited

    PO Box 37226
    Birnam Park

    Tel no: 011 745 458333

    5. The Ombuds:

    We are committed to the prompt and fair resolution of any complaint lodged in respect of our rendering of a financial service. Should you wish to obtain a copy of our Complaints Resolution Policy, kindly contact our Compliance Officer at the particulars provided in this notice. Should a complaint which pertains to advice or intermediary services provided after 1st October 2004, not be resolved within 6 weeks, or you are not satisfied with the resolution decision, you have the right to refer the matter to the Ombud for Financial Services Providers. You have 6 months in which to do this.



    FAIS Ombuds:


    PO Box 74571, Lynwood Ridge, 0040


    Sussex Office Park, Ground Floor - Block B, 473 Lynnwood

    Road, Corner of Lynnwood Road and Sussex Avenue, Lynnwood, 0081



    012 470 9080 or 0860 324 766

    012 348 3447 or 012 470 9097



    If you require advice on complaints in respect of claims or other matter which have not been satisfactorily resolved, you may contact:


    Short-term Insurance Ombudsman (for personal claims complaints/queries):


    Postal address: PO Box 32334, Braamfontein, 2017

    Tel no: 011 726 8900

    Fax no: 011 726 5501

    Sharecall: 0860 726 890

    Website: http://www.osti.co.za

    Email: info@osti.co.za

    6. Registrar of Short-term Insurance / Financial Services Board:

    Postal address: PO Box 35655, Menlo Park, 0102


    Tel no: 012 428 8000

    Fax no: 012 346 6941

    Contact centre: 0800 11 04 43 or 0800 20 20 87

    Email: info@fsb.co.za

    Website: http://www.fsb.co.za

    7. General

    Important Information:


    7.1 When applying for insurance all material facts must be accurately and properly disclosed. The accuracy and completeness of all answers, statements or other information provided by you or on your behalf, are your own responsibility.


    7.2 If your Digital Intermediary completes or submits any transaction requirement on your behalf, you should be satisfied as to the accuracy and completeness of the details.

    7.3 Misrepresentation or non-disclosure of a material fact or the inclusion of incorrect information at the time of proposing for insurance may at any time lead to the avoidance of the policy from inception and a forfeiture of all premiums paid.

    7.4 On request you are entitled to be supplied with a copy or written or printed record of any transaction requirement within a reasonable time.

    7.5 The premium and fees payable by you are shown on the schedule of this policy.


    7.6 For a monthly paid policy the premiums are payable each month on the day of the month you selected when arranging this policy.

    7.7 Depending on the specific policy, if the premium is paid by debit order and is dishonoured by your bank:


    • as a result of your instruction to the bank to stop payment of the debit order, the policy will lapse on the last day of the month for which a premium was received; or
    • for any other reason, a debit for two months' premiums will be submitted to the bank the following month. If this debit is returned unpaid, the policy will lapse on the last day of the month for which a premium was received.
    7.8 For a monthly paid policy the premiums are payable each month on the day of the month you selected when arranging this policy.




    • Do not sign any blank or partially completed application form.
    • Complete all forms in ink.
    • Keep all documents handed to you.
    • Make note as to what is said to you.
    • Don't be pressurised to buy the product.
    • Incorrect or non-disclosure by you of relevant facts may influence your insurer on any claims arising from your contract of insurance.

    8. Claims Procedure

    The procedure for the submission of claims in detailed in the policy wording.


    Sasria SOC Limited

    P.O. Box 653367, BENMORE, 2010

    36 Fricker Road, Illovo, Sandton, 2196

    Tel: +2711 214 0800 or 086 172 7742 (Switchboard)

    Fax: +27 11 447 8630

    Reg. No. 1979/000287/06

    VAT Reg. 4140119340

    FSP Licence No.: 39117







    In consideration of the prior payment of the premium stated in the coupon and the receipt thereof by or on behalf of Sasria SOC Limited,(hereinafter called the Company) and subject to the underlying policy being current and valid at the effective date as stated in the Schedule, the Company will by payment or at its option by reinstatement or repair indemnify the insured during the Period of Insurance up to an amount not exceeding the total sum insured in respect of each item and not exceeding in the aggregate during the said Period of Insurance, the total insured value, or the aggregate limits of liability as stated in the proviso hereunder, whichever is the less against loss of or damage to the property insured directly related to or caused by:

    1. Any act (whether on behalf of any organisation, body or person, or group of persons) calculated or directed to overthrow or influence any State or government, or any provincial, local or tribal authority with force, or by means of fear, terrorism or violence;
    2. Any act which is calculated or directed to bring about loss or damage in order to further any political aim, objective or cause, or to bring about any social or economic change, or in protest against any State or government, or any provincial, local or tribal authority, or for the purpose of inspiring fear in the public, or any section thereof;
      1. Any riot, strike or public disorder or any act or activity which is calculated or directed to bring about a riot, strike or public disorder;
    3. Any attempt to perform any act referred to in clause (i), (ii) or (iii) above;
    4. The act of any lawfully established authority in controlling, preventing, suppressing or in any other way dealing with any occurrence referred to in clause (i), (ii), (iii) or (iv) above.


    In this Coupon Policy, the term "Public Disorder" shall be deemed to include civil commotion, labour disturbances or lockouts.


    PROVIDED that:


    Notwithstanding anything to the contrary, where One Insured is insured by one or more current and valid insurance (other than Contract Works and/or Construction Plant and or Motor) issued by or on behalf of the Company, the annual aggregate liability of the Company under all such Insurances shall be limited to the sum of R500 million (five hundred million Rand), or up to R 1,5 billion, if the Insured has chosen the optional Excess of Loss R 1 billion cover, where the property insured is in the Republic of South Africa.


    For this purpose ONE INSURED shall mean:


    Any Single One Insured, a Ho


    by the Companies Act, 1973) or Subsidiary of the Holding Company


    In the case of One Insureds other than Companies, the Company reserves the right to determine who the One Insured is for this purpose.


    PROVIDED FURTHER that this insurance does not cover:


    1. Consequential or indirect loss or damage of any kind or description whatsoever, other than loss of rent if specifically insured, which shall be limited to a period not exceeding that required to render the building tenantable;


    1. Loss or damage resulting from total or partial cessation of work, or the retardation or interruption or cessation of any process or operation;


    1. Loss or damage occasioned by permanent or temporary dispossession resulting from confiscation, commandeering or requisitioning by any lawfully constituted authority.




    It is agreed that, regardless of any contributory cause(s), this insurance does not cover loss (es) in any way caused or contributed to by an act of terrorism involving the use or release or the threat thereof of any nuclear weapon or device or chemical or biological agent.


    For the purpose of this exclusion an act of terrorism means an act, including but not limited to the use of force or violence and / or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or personal purposes or reasons including the intention to influence any government and /or to put the public, or any section of the public in fear.

    1. This policy does not cover loss or damage caused directly or indirectly by or through or in consequence of any occurrence for which a fund has been established in terms of the War Damage Insurance and Compensation Act, 1976 (No. 85 of l976) or any similar Act operative in South African territory to which this policy applies.

    If it is alleged that by reason of this exclusion any loss (es) is not covered by this Coupon the burden of providing the contrary shall be upon the insured.




    The Agent or Intermediary will advise Sasria of a loss within thirty (30) days from the date they receive the claim.


    A claim shall not be payable if twenty four (24) months have elapsed since the occurrence of the Insured Event unless the claim is subject of pending legal action or final assessment of the loss by the Insurer have not been reached.





    Where Property Insured is extended under the Replacement Value Clause and is the subject of a lease, rental, hire or similar agreement which requires the Insured to insure and/or be responsible for the property at an agreed value then the measure of cover provided shall be the agreed value as stipulated in the lease, rental or hire agreement. The definition set out under the Basis of Loss Settlement on the underlying policy shall not apply in respect of a claim under this clause but always limited to thetotal Sum Insured.




    Misrepresentation, misdescription and non-disclosure


    Misrepresentation, misdescription or non-disclosure in any material particular shall render voidable the particular item, section or sub- section of the policy, as the case may be, affected by such misrepresentation, misdescription or non-disclosure.


    Continuation of cover (where premium is payable by bank debit order or by transmission account)


    The premium is due in advance and, if it is not received by the company by due date, this insurance shall be deemed to have been cancelled at midnight on the last day of the preceding period of insurance unless the insured can show that failure to make payment was an error on the part of his Intermediary or Sasria agent.




    Nothing contained in this Policy shall give any rights against Sasria to any person other than the Insured. Sasria shall not be bound by any passing of the interest of the Insured otherwise than by death or operation of law.




    1. If any difference shall arise as to the amount to be paid under this Policy (liability being otherwise admitted) such difference shall be referred to Arbitration in accordance with the Arbitration laws for the time being in force in the Republic of South Africa, and at such place as Sasria may determine.
    2. Where any difference or dispute is in terms of paragraph (a) above to be referred to Arbitration the award of the Arbitor(s) shall be final and binding and the making of such award shall be a condition precedent to any right of action against Sasria under this Policy.
    1. On the happening of any event in respect of which a claim is or may be made under this policy, the company and every person authorised by them may, without thereby incurring any liability and without diminishing the right of the company to rely upon any conditions of this policy,
    1. take, enter or keep possession of any damaged property and deal with it in any reasonable manner. This condition shall be evidence of the leave and licence of the insured to the company to do so. The insured shall not be entitled to abandon any property to the company whether taken possession of by the company or not,
    2. take over and conduct in the name of the insured the defence or settlement of any claim and prosecute in the name of the insured for their own benefit any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings and in the settlement of any claim. No admission, statement, offer, promise, payment or indemnity shall be made by the insured without the written consent of the company.
    3. The insured shall, at the expense of the company, do and permit to be done all such things as may be necessary or reasonably required by the company for the purpose of enforcing any rights to which the company shall be, or would become, subrogated upon indemnification of the insured whether such things shall be required before or after such indemnification.
    1. It is a condition precedent to any liability that at the time of the happening of any occurrence given rise to a loss in terms of this Coupon Policy there shall be in force the Underlying Policy covering the interest of the Insured in all the property insured by this Coupon Policy against loss or damage by fire.
      1. All the terms, conditions, exclusions, exceptions and warranties applicable to the Underlying Policy, other than:

    (a) Exception A(i), A(iii)(b), A(iv), A(v), A(vi) and A(vii) to the extent that A(vii) refers to A(i), A(iii)(b), A(iv), A(v) and A(vi);


    1. The Burden of Proof Clause set out in Exception A to the extent that such Clause refers to the Exceptions listed in (a) above;
    2. Any excess, deductible or similar payment to be met by the Insured in terms of the Underlying Policy;
    3. The Sasria Coupon incorporates the Terms, Conditions, Exceptions, Exclusions and Warranties of the underlying Policy to which it attaches. It does not automatically incorporate the Extensions . In order to cater for the Extensions, the Sasria Sum Insured must be increased by the value of the Extension and a premium charged for the said Extension. In this instance a schedule showing a breakdown of all additional covers included (together with the sum insured) must be attached to the coupon,
    4. Where required by the Insurer, the Insured shall at the commencement of such insurance and when required provide the Insurer with a written estimate of the cost at such date of reinstatement of the Property Insured to which this section applies made and certified by a Valuator acceptable to the Insurer.


    The Sum Insured under the policy and this section in respect of each item will not be less than the amount of such estimate, and may be adjusted for renewal provided this is done within a two months period of the renewal date.

    1. Where a building or structure is destroyed, the Insured is entitled to carry out the replacement by an equivalent building upon another site and in any manner suitable to

    the requirements of the Insured provided that the exceed the cost which would have been incurred had reinstatement been carried out on the original location.


    shall be deemed to be incorporated in this Coupon Policy and shall as a condition precedent to any liability hereunder relate to and be complied with by the Insured accordingly.


    The reference to Exceptions A(i), A(iii)(b), A(v), A(vi) and A(vii) and to the Burden of Proof Clause in Exception A is a reference to those Exceptions as they appear in the Standard S.A.I.A. Exceptions which the Nominated Insurer is obliged to incorporate in his Policy. Should the numbering in the Underlying Policy not correspond with the numbering of the Standard S.A.I.A. Exceptions the above references shall apply to the corresponding Exceptions in the Underlying Policy mutatis mutandis.


    1. If the property covered in terms of the attached Schedule shall at the commencement of any destruction of or damage to such property by any peril insured hereby be collectively of greater value than the total sum insured stated herein, then the Insured shall be considered as his own insurer for the difference and shall bear a rateable share of the loss accordingly. Every item, if more than one, shall be separately subject to this consideration.


    1. Any adjustment of Premium Clause or Condition in the Underlying Policy shall not be applicable to this Coupon Policy.


    1. No alteration of this Coupon Policy is valid unless signed by a Director of the Company


    1. Any Reinstatement Value Conditions in the Underlying Policy shall be applicable to this Coupon Policy except insofar as it relates to Motor Vehicles.


    1. The cover granted by this Coupon Policy shall apply to property situated in the Republic of South Africa.