Page 120 - Hollard Private Portfolio

Legal costs
What is not covered
We do not cover legal costs or expenses incurred in any legal matter relating to the following:
Matters where no provision is made for legal action, such as:
○ adoption, servitude, or the declaration of rights
○ administration of estates, or the drafting of legal contracts and appeals
○ debt counselling
Business activities
○ your business or occupation
○ the renting or letting of property
The following legal actions
○ copyright, patents and similar rights
○ civil action by you against your attorney in his professional capacity
○ civil action between the holders of this policy as listed in the Schedule, except when this involves a family matter
○ any action involving us (Hollard)
○ any traffic offence that can be settled by an admission of guilt
○ any action involving an insurance excess
○ application procedures and ex parte applications
○ any action outside South Africa
○ any action that occurred before this cover started
Unauthorised or non-legal costs
○ any costs by attorneys other than our preferred attorneys appointed by us
○ any costs not specifically authorised by us
○ any costs that do not appear on our tariffs
○ any non-legal costs
Professional sports
○ professional sports of any description State security
○ any act aimed at overthrowing the government or threatening its safety Violence, dishonesty or immorality
○ any act or omission where we reasonably believe there is an element of violence, dishonesty or immorality. 118 Hollard Private Portfolio – Version 3.0.0 – 20 April 2020