Page 101 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Legal costs
Examples of labour matters :
○ Unfair labour practices, unfair retrenchments or unfair dismissals.
○ Wage and salary disputes, unfair salary deductions.
○ Restraint of trade agreements.
○ Discrimination in the workplace.
○ 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 policy 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:
○ Legal costs: We cover the following legal costs relating to identity theft up to the legal costs limit shown in your
policy schedule:
– Costs to obtain and correct your consumer credit report.
– Costs to remove wrongly recorded civil judgements against you.
– Costs to defend legal actions brought against you incorrectly by, or on behalf of creditors or collection
agencies.
○ Payments to creditors: We will pay back the amounts you have to pay a creditor if payment cards, bank,
or credit accounts were opened in your name without your permission up to the limit shown in your policy
schedule.
The maximum amount we will pay for this is based on the tariffs of our preferred attorneys, up to the limit stated in your
policy schedule.
What is not covered
These exclusions are in addition to the exclusions set out under General exclusions in the Understanding your policy
section. We will not pay legal costs for matters that were caused by or related to any of the following specific exclusions.
We will not pay a claim for any of the benefits set out in the Legal costs section of this policy that was caused by or
related to any of the following specific exclusions.
Aircraft, vehicles or watercraft
We do not cover legal costs or expenses relating to aircraft, vehicles or watercraft in any instance.
Alternative administrative body or fund
Any matter that can be resolved satisfactorily through an administrative body or fund without the need for legal
representation or the services of an attorney.
For example, you should first resolve a disagreement with the relevant Ombudsman or the National Consumer
Commission.
Avoidable legal costs
Any legal cost duplicated or sustained when there is a change in legal representation or attorney because you did not
cooperate with the attorney or legal representative.