Pineapple Insurance is redefining how South Africans think about insurance. Through innovation, transparency, and customer-first thinking, it has become one of the most loved, trusted, and rapidly growing insurtech companies in the country.
If you’re tired of hidden clauses, slow claims processes, or the feeling that insurers are “out to get you,” then this blog is for you. We’re diving deep into everything you need to know about Pineapple, from how it works to real-life Pineapple claims experiences, and their revolutionary car insurance product.
Whether you’re a first-time policyholder, switching insurers, or just comparing options—this article gives you everything you need to make an informed decision
Pineapple is a digital-first, app-powered insurance company launched in 2017. The brand gained traction for offering fair, accessible insurance by returning unused premiums to its customers. That simple, yet revolutionary idea disrupted the outdated models used by traditional insurers.
Backed by Bryte Insurance Company Limited, Pineapple is a licensed and legitimate insurance provider. The platform has since expanded to cover various insurance types, including Pineapple car insurance, household contents, and portable devices.
At its core, Pineapple operates on a peer-to-peer (P2P) model and advanced AI technology.
Here’s how it works:
- Your monthly premiums go into a digital pool with other Pineapple users.
- Claims are paid from this pool.
- At the end of the year, any unused funds are returned to members—yes, cashback!
- The entire process is managed via the Pineapple mobile app.
Unlike old-school insurance providers, Pineapple isn’t looking to profit from unpaid claims. Instead, the platform encourages responsible behavior and rewards honesty and low-risk clients.
Backed by Bryte Insurance Company Limited, Pineapple is a licensed and legitimate insurance provider. The platform has since expanded to cover various insurance types, including Pineapple car insurance, household contents, and portable devices.
Let’s explore each of Pineapple’s current product offerings.
Pineapple car insurance is the company’s flagship product and one of the most innovative in the South African market.
- Accidents (with or without fault)
- Theft or hijacking
- Third-party damage
- Fire and natural disasters
- Glass and windscreen replacements
- Towing and roadside assistance
- Instant quotes with no paperwork
- Comprehensive cover, including third-party liability
- Pay-as-you-drive options
- Cashback on safe driving behavior
- Immediate cover activated through the app
- No paperwork. The entire signup and claims process happens in the app.
- Immediate cover. Get insured within minutes.
- Smart pricing. Your premium is based on how you drive and your risk profile.
- Monthly freedom. Cancel anytime—no lock-in contracts.
“I saved R600/month after switching to Pineapple car insurance and received my claim payout in just 2 days!” — Sipho M., Sandton
This product covers the contents inside your home, such as:
- Furniture
- Electronics (TVs, fridges, consoles)
- Appliances
- Decor
- Curtains, linen, and more
- Theft
- Fire or flood damage
- Power surges
- Malicious damage
Whether you rent or own, you can get flexible household contents insurance directly through the app.
This is ideal for students, freelancers, business owners, and travelers. You can insure:
- Laptops and tablets
- Smartphones
- Cameras and GoPros
- Smartwatches
- Bicycles
You simply upload a photo of the item and receipt (if available) via the app to get cover started. You can also adjust the insured value as needed.
“When my laptop was stolen at a café, Pineapple replaced it within 72 hours. I was blown away!” — Zama R., Cape Town
Most insurers still require long phone calls, form submissions, or physical inspections. Pineapple eliminates all of that with its sleek mobile app.
- Get a quote in less than 90 seconds
- Add or remove cover instantly
- File Pineapple claims with photos or videos
- Chat with support
- Track your pool contributions and cashback
The app is available on Android and iOS, and it’s one of the best-rated insurance apps in South Africa.
Most insurers still require long phone calls, form submissions, or physical inspections. Pineapple eliminates all of that with its sleek mobile app.
Every user can see where their money is going—how much goes toward claims, how much is held for reserves, and what remains for potential cashback.
Unused premiums are returned at the end of the cycle. This is unheard of in traditional insurance.
Pineapple claims average a 24–72 hour turnaround, far faster than traditional insurers.
All interactions are managed in the app. No call center drama, no waiting on hold.
The Pineapple platform also shares safety tips, insurance education, and guides to help customers stay informed.
Here’s how easy it is to file Pineapple claims:
Log in and select the item or vehicle for which you’re claiming.
Follow the intuitive steps provided.
Upload photos, receipts, or videos to support your claim
The automated system begins analyzing your claim, usually instantly.
You’ll receive updates via the app. Most payouts happen within 2–3 business days.
🌟 Google & App Store Ratings:
- Google Play Store: 4.7 out of 5 stars (5,000+ reviews)
- Apple App Store: 4.6 out of 5 stars
Common Praise Highlights:
- “Excellent user interface”
- “Super helpful support team”
- “Best claims experience ever”
- “Real rewards and transparency”
“I used to dread dealing with insurers. Pineapple changed that completely. Filing a claim is as easy as ordering Uber Eats.” — Lesego D.
“The best insurance for anyone under 35. I love how easy and affordable it is.” — Muhammad P.
“I’ve never seen my money again from other insurers, but Pineapple paid me back R950 at year-end. Unreal!” — Nomvula S.
🚘 Johan’s Car Crash Miracle
Johan had a terrible car accident during peak traffic in Johannesburg. His car was written off. With Pineapple, he had his claim processed and funds transferred within 4 working days—enough to pay the deposit for a new vehicle.
📱 Student Theft Recovery: Nokuthula’s iPhone
Nokuthula, a student at UCT, had her iPhone stolen during orientation week. Despite her concerns, she submitted the claim through the Pineapple app and got a full replacement iPhone delivered to her within 72 hours.
🏠 Burst Geyser Recovery: Nhlanhla’s Home Damage Claim
A geyser burst in Nhlanhla’s flat and destroyed her lounge setup. She uploaded damage pictures, and Pineapple organized a replacement couch and cleanup service within the week.
You can reach out to Pineapple via several channels:
- Pineapple Insurance Contact Number: 📞 087 238 2568
- Support Email: 📧 hello@pineapple.co.za
- Website: 🌐 https://www.pineapple.co.za
- Business Hours: Mon–Fri, 08:00–17:00
- App Chat: In-app support available 24/7
Their support team is friendly, fast, and efficient, often resolving queries on the same day.
Signup Time |
Claims Process |
Paperwork Required |
Premium Refunds |
Mobile App Functionality |
Cancel Anytime |
< 5 minutes (app) |
24–72 hours |
None |
✅ Yes |
Full control |
✅ Yes |
1–3 days (manual) |
7–14 business days |
Extensive |
❌ No |
Basic or none |
❌ Often penalized |
Yes. Pineapple is backed by Bryte Insurance, a leading short-term insurer in SA. It is a registered Financial Services Provider (FSP).
No. The app handles everything—signups, claims, cover adjustments, and even cancellations.
Yes. You can add as many items or cars as you like within the app.
You’ll receive detailed reasons via the app or email. You can request a reassessment if necessary.
No. Currently, Pineapple car insurance is comprehensive only, but it’s competitively priced and includes many benefits.
It’s based on your driving behavior, risk profile, claim history, and value of the insured item.
Currently, Pineapple only provides personal insurance. No commercial or business cover yet.
Getting a quote is ridiculously easy:
- Download the Pineapple App from the App Store or Google Play.
- Sign up with your ID number and address.
- Add the item or vehicle you want to insure.
- Get an instant quote.
- Activate your policy—your cover starts immediately.
Without a doubt, Pineapple Insurance is one of the most customer-friendly, cost-effective, and innovative insurers in South Africa today.
If you’re tired of old-school insurance and want transparency, tech, and rewards, Pineapple is for you.
🔑 Key Takeaways:
- Competitive pricing for Pineapple car insurance
- Quick and painless Pineapple claims
- Generous cashback model
- Fully digital experience
- Responsive customer support
- High customer satisfaction
Visit www.pineapple.co.za or download the Pineapple app to start your journey today.