Reasons To Join Pineapple In 2024


May 7, 2024
Team Pineapple


That’s the number of short-term insurance providers currently operating in South Africa, according to Research and Markets’s 2022 report. This means South Africans are spoiled for choice when picking an insurer to entrust with caring for their belongings.

As we kick off the new year, many are still searching for an insurer that's not just about ticking boxes but genuinely understands and evolves with the changing dynamics tailored for today's tech-savvy consumer.

Among the many giants in the insurance industry, a brave new challenger, a turquoise and yellow figure, is trailblazing its way to the top of the ‘Best Insurance Providers in South Africa’. 

That figure goes by the name Pineapple.

Here are a few good reasons why Pineapple should be your number 1 pick and insurance provider of choice:

  1. Revolutionising Digital Experience.
  2. Affordable Premiums.
  3. Unmatched Benefits.
  4. Transparent and Fair Treatment.
  5. Quick Claim Turnaround.
  6. Why This Year is the Best Time to Switch.

Revolutionising Digital Experience

“Smarter, faster, better, and more enjoyable - we’ve created an easy-to-navigate, convenient, consumer-first product powered by smart technology.”Matt Elan Smith, Pineapple co-founder and CIO. 

(P.S. He wasn’t quoting the Daft Punk sample or the Kanye West song.)

The world is constantly on ‘Go’, meaning efficiency is not just a ‘nice to have’ but a necessity. 

More than anything, you need an insurance provider who won’t have you wading through paperwork, enduring endless on-hold music on customer service calls, or waiting days for a claim to be processed.

What you need is an insurer like Pineapple!

We’re 100% digital, meaning you can get a quote and buy a policy on our state-of-the-art website. You can also submit a claim, update your coverage or even just chat with a friendly representative, all from the palm of your hand via our award-winning app.

While we’re on the topic, our responsive chatbots are there 24/7, ready to assist with common queries or redirect you to a human agent when things get complex. So you never have to worry about being left out in the cold; we’re available round-the-clock.


Affordable Premiums

We’ve created an affordable product that aims to make insurance accessible to anyone, anywhere, at any time!” – Marnus van Heerden, Pineapple co-founder and CEO.

With living costs soaring uncontrollably, South Africans nationwide are searching high and low for a bargain.

At Pineapple, we’ve taken this sentiment to heart, crafting competitive pricing strategies that ensure you get top-notch coverage without breaking the bank.

Our prices start from an affordable *R589 per month, that’s only about R19-ish per day!

Remember how we mentioned that we’re 100% digital? Well, 100% digital = 100% affordable. This all-digital, self-service approach helps keep our costs down and makes our coverage options more affordable and convenient.

Since our entire customer journey is digital, we also have a whole new range of customer data, coupled with AI (artificial intelligence) and analytics, which helps us improve our user journeys, underwriting, fraud detection, claims approvals, marketing efforts and more. 

Optimising these areas further decreases costs, such as reduced fraud, resulting in lower premiums. 

Lastly, we’ve launched a DriveLess benefit, which allows you to get up to *30% of your premium back each month you drive under 300km.

By using technology to its fullest, Pineapple simplifies the insurance process and provides it at a fraction of the cost.

Unmatched Benefits

“We shift behaviour by making insurance more rewarding and mutually beneficial!” Ndabenhle Ngulube, Pineapple co-founder and CDO.

Sure, every insurer can promise coverage, but how many go the extra mile by offering features that enrich your insurance experience?

Comprehensive coverage is only just the beginning; Pineapple also gives you several cherries on top:

  1. Fuel Assistance – For those times you run out of petrol and get stuck on the side of the road - we’ve got you!

  1. 24/7/365 Roadside Assistance – Flat tyre, Flat battery, No petrol? Don't worry; we’re here for you!

  1. Windscreen And Window Repair – We’ll repair or replace the glass for a cracked or broken windscreen/window.

  1. Key Replacement – When your car keys go M.I.A. (missing in action), we’ll easily replace them.

  1. Towing – If you ever experience vehicular or mechanical breakdowns, we’ll provide towing to the nearest service provider (We don't cover mechanical breakdowns per se, but we can offer roadside assistance in the form of towing).

  1. Emergency Accommodation – If your vehicle is lost or damaged more than 100km from your home, we’ll reimburse you for the accommodation expenses (*up to a limit of R2000).

  1. Drive Less, Get Blessed – Get up to *30% back each month if you drive under 300km.

And, of course, there's the pièce de résistance: instant claim settlements. Pineapple harnesses the power of automation and real-time data analysis to guarantee that most claims get processed almost immediately.

Transparent and Fair Treatment

“People have no idea where their premium goes and what it is used for! We’ve changed that!”Sizwe Ndlovu, Pineapple co-founder and CTO.

Scouring the web for the perfect policy can be daunting for many. 

Insurance is currently one of the least trusted industries in the world, with companies constantly being accused of having hidden clauses and surprise charges, often leaving clients feeling blindsided.

Pineapple aims to reshape the narrative by bringing a refreshing touch of clarity and fairness to the industry.

That’s why we give you the freedom and complete control of what you share and who can see it.

We do this by sharing the activity from our community with the community in a way that is easy to understand but still sensitive to personal information.

After all, when you pay for something, it’s only fair to see where it goes and what it is used for!

We also allow our community to listen to real claims stories and their raw, unfiltered review of Pineapple and our service. If the review is not good, we investigate, fix, and aim to do and be better – this exercise helps keep us honest and allows us to hold ourselves accountable.

Quick Claim Turnaround

Picture this: an unexpected car mishap followed by agonisingly long waits for insurance claims to process. Unfortunately, horror stories like these are a dime a dozen in the short-term insurance industry.

Thankfully, Pineapple is telling a different tale.

We understand that time is of the essence, so we aim to have you back on the road faster, with one less worry on your plate.

We’ve leveraged cutting-edge technology to speed up that crucial post-mishap period. 

That said, the turnaround time for an insurance claim largely depends on the complexity of the claim and the information provided. We must first receive all the necessary information (documents, details, contact numbers, etc.) and documentation to assess the claim and determine whether it’s covered under the policy. 

The absence of necessary documents and delayed police statements prolong the claims process; the less information you provide, the longer it takes to resolve your claim.

But, once the claim is approved, we’ll settle the claim immediately.

Also, there’s often a lot of uncertainty around which claims are approved, which are denied and why. We clarify this confusion by helping you understand what is vs. what isn’t covered and why, allowing you to better understand how insurance works.

Why This Year is the Best Time to Switch

“If you can do something today, then do it today. Don’t wait for tomorrow,”Eunice McGill, Pineapple’s Marketing Project Manager.

Why is 2024 the best time to switch to Pineapple? There’s honestly no time like the present.

Let’s face it: this year has been hard on everyone’s pockets. 

From fuel hikes to general inflation and rising cost of living, wallets are feeling the pinch more than ever. It’s times like these, where every cent counts, and you’re counting every cent, Pineapple emerges as a breath of fresh air.

Since opening our doors in 2017, our commitment to battling these economic tailspins with our competitively low and affordable premiums hasn’t changed. 

Plus, we also pride ourselves on affordability that doesn't cut corners.

Our coverage goes above and beyond. Let’s recap:

  • We offer the best price possible (we’ve automated many of the back office, and you benefit directly from these cost-saving measures).

  • Buy, get support, do pre-inspection and claim online (however, telephonic help is also available).

  • Free 24-hour roadside assistance (including flat tyre, no fuel and flat battery assistance).

  • Drive Less, Get Blessed (*up to 30% of your premiums back).

Did-You-Know: Pineapple is rated one of the best on online scoring, according to Mybroadband. And, we don’t force you to stay longer than you want or need to; our policies are flexible enough that you can cancel at any time.


Switching to Pineapple’s insurance in 2024 isn’t only about saving; it's about making smart, future-proof insurance choices.

That said, the beginning of the year is a perfect time to reflect on our successes and set new goals and aspirations. 

And you should definitely include Pineapple in those plans! 

So, while the rising costs might be inevitable, we are an ally that understands your needs and promises to offer premium services without the premium price tag. 

See the difference for yourself by getting an obligation-free quote today!

Please Note: The information provided above is for informational purposes only; you should not construe any such information as legal or financial advice.

Pineapple (FSP 48650) is underwritten by Old Mutual Alternative Risk Transfer Insure Limited, a licensed Non-Life Insurer and authorised FSP. T&Cs apply.

Team Pineapple

Team Pineapple comprises our company’s top talents, who are dedicated to creating clear, high-quality content on essential vehicle insurance topics. This diverse group, including actuaries, accountants, data scientists, and insurance professionals across South Africa, collaborates to produce enlightening and empowering articles.

Each piece is thoroughly researched, factually accurate, and rigorously reviewed to ensure quality.

*We say they’re the finest because we want them to keep writing for us!

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Please Note: The information provided above is for informational purposes only; you should not construe any such information as legal or financial advice.

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