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Legal costs
What we cover you for
We cover you for legal costs and expenses, based on our tariffs and limits, after we have decided that there is merit in pursuing a legal solution arising out of any of the following only:
○ Civil action
Any civil action by you or against you
○ Criminal charge
Defence of any criminal charge against you excluding a fine or bail that is levied against you
○ Labour relations
Any legal action by you or against you, in a labour court
○ Family matters
Any legal action relating to family matters such as divorce, custody or maintenance
Where any cover is subject to a waiting period, you may claim only once it has ended. The cause for the legal action must have happened after 90 days from when the cover started, and during the period of insurance.
Please check your Schedule now for the waiting periods that may apply to you.
Identity theft
If your personal identity document is stolen, or any confidential information relating to your identity is copied or obtained without your authorisation, we will cover you for the following, as long as the theft occurred after the policy started:
○ the financial loss suffered by you as a direct result of the identity theft
○ all reasonable costs incurred in order to reinstate your credit status to the position it was in before the identity
theft
○ all reasonable costs incurred in order to monitor your credit status through a credit bureau of our choice
○ all reasonable costs (such as telephone calls, letters, affidavits, copies of documents, etc.) incurred to replace any stolen cards or identification documents
○ loss of income for each whole day of unpaid leave you may have to take to attend to and reclaim your identity.
The maximum amount we will pay for this is based on the tariffs of our preferred attorneys, up to the limit stated in the Schedule.
Difference between civil action and criminal action
A civil action is when one person institutes legal proceedings against another person claiming for damages or performance from that other person. A criminal action occurs when a person is brought to court by the state and is accused of breaking a law which is classified as a crime – for example, armed robbery.
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