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Legal Cover

Legal Cover Insurance

What is Legal Cover Insurance?

 

Lawyer up when you need to, with our Legal Cover. You’ll get all the legal assistance you need, when you really need it. We’ll also help you get to know and understand your legal rights. With unlimited telephonic advice, help with divorce settlements, litigation cover and tax assistance, you’ll always have a professional in your corner.

Who is covered ?

 

You and your spouse plus four kids.

 

If you get married after the commencement of your policy, the date of marriage will be noted as your spouse’s commencement date.

What is covered?

The Legal Cover policy offers 4 distinct benefits:

Basic Benefit

Mediation benefit

Tax assistance benefit

Litigation benefit

What is covered?

The Legal Cover policy offers 4 distinct benefits:

Provides unlimited telephonic advice on personal legal and labour matters from day one of you taking out the policy even if the matter happened before the start date of the policy.

With this benefit, you’ll get unlimited informal mediation and assistance in matters that happened after the start date of your policy. Mediation will take place on your behalf through written letters, telephonic calls, email and face-to-face consultations. This benefit provides assistance up to the point where litigation can’t be avoided.

Eish! Tax can cause so much stress. Don’t let it get the better of you. The Tax Assistance Benefit will assist you with help from registered Tax Practitioners. They’ll give you all the advice and assistance you need with tax returns and submissions.

If you’re ever involved in any court proceedings in criminal, civil or labour matters where physical representation is needed, this benefit will cover you. The cover amount is limited to the benefit plan selected and has a three-month waiting period.

Choose a plan that’s best for you

ESSENTIAL PLAN

ELITE PLAN

ELITE PLUS PLAN

Choose a plan that’s best for you

Cover limit: R100 000

Premium: R99pm

 

Benefits included:

 

  • Basic benefit
  • Mediation benefit
  • Tax assistance benefit
  • Litigation benefit
Includes amongst others representation in the following matters:

 

  • Civil matters based on any written and signed agreement.
  • Bail applications and criminal matters.
  • Disciplinary hearings where you face dismissal and legal representation is allowed.
  • Any identity theft-related matter.

Cover limit: R200 000

Premium: R199pm

 

Benefits included:

 

  • Basic benefit
  • Mediation benefit
  • Tax assistance benefit
  • Litigation benefit
Includes amongst others representation in the following matters:

 

  • Civil matters based on any written and signed agreement.
  • Bail applications and criminal matters.
  • Disciplinary hearings where you face dismissal and legal representation is allowed.
  • Any identity theft-related matter.
  • Unopposed divorce matters (i.e., where the action is not defended and a settlement is reached between the parties).
  • Maintenance hearings where the other party to the dispute is represented by a legal practitioner.
  • Bail cover up to R6 000.

Cover limit: R300 000

Premium: R319pm

 

Benefits included:

 

  • Basic benefit
  • Mediation benefit
  • Tax assistance benefit
  • Litigation benefit
Includes amongst others representation in the following matters:

 

  • Civil matters based on any written and signed agreement.
  • Bail applications and criminal matters.
  • Disciplinary hearings as well as Labour Court proceedings where you face dismissal.
  • Any identity theft-related matter.
  • Unopposed divorce matters as well as opposed divorce matters. Cover for this benefit is limited to R10 000 per annum.
  • Maintenance hearings where the other party to the dispute is represented by a legal practitioner.
  • Maintenance hearings where the other party to the dispute is represented by a legal practitioner.
  • A Magistrate’s Court application for rescission of judgment where you have a valid legal defense, the judgment was taken against you without your knowledge and you informed the Insurer thereof within seven days of becoming aware of the judgment.
  • Bail cover up to R10 000.
  • Cyber Insurance – Cyber Bullying, Cyber Liability, Cyber Theft and Cyber Attack.

Frequently Asked Questions

What additional obligations do I have?

You must:

  • Tell us if any of the details or declarations you have made are incorrect or if any of your details or declarations change.
  • Report any legal or labour matter to us within 31 days of you becoming aware.
  • Claim damages from any insurance you may have before claiming in terms of the Litigation Benefit.

How do I claim or report a new case?

To claim on the Legal Cover policy, contact our call centre on 0860 10 55 38 from Monday to Friday, between 08:00 and 17:00 and one of our helpful consultants will assist you.

To download your Legal Cover terms and conditions, Click here


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