Page 99 - Hollard Private Portfolio - Version 3.5

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Hollard Private Portfolio – Version 3.5 – 7 May 2024
Legal costs
Key terms to understand
Attorney A practising attorney who was admitted by the High Court of South Africa to practice
as an attorney. It includes a candidate attorney or paralegal working under the fulltime
supervision of such attorney. It also includes any other qualified professional at our sole
discretion.
Legal costs Legal costs come from the pursuit or defence of civil or labour matters.
Legal costs include:
○ Fees and expenses sustained by an attorney appointed by us that represents
you.
○ Fees and expenses sustained by an attorney acting on behalf of a third party,
for which you are responsible after a court order or duly appointed arbitrator in
CCMA labour matters.
Legal costs exclude:
○ Punitive costs.
○ Fees charged by an expert, for example the report of a quantity surveyor or
medical specialist.
○ Any costs incurred in the maintenance court.
○ Any costs incurred without our consent.
You The definition of “you” only refers to a policyholder who is a natural person.
Paying out after a claim
Report all claims to us immediately
All claims must be reported to us immediately and we will instruct our preferred attorneys to assist you, or we may reject
your claim.
Legal costs
For any claim where you require us to pay your legal costs, the amount paid out will be based on the tariffs of our
preferred attorneys, up to the limit stated in your policy schedule.
During any 12-month period, we will not pay more than the limit, even if you should have more than one successful
claim.
Please feel free to request a copy of our attorneys’ tariffs which will be adjusted to cater for increases over time.
You always pay the first amount, or excess
You will always have to pay the first part of any claim settlement. This is known as the excess, and is listed in the excess
schedule.
Example
If you successfully claim R2 000 to defend yourself in a criminal case, and the excess for that claim is R250, your net
pay-out from us will be R1 750.