Page 81 - Hollard Private Portfolio - Version 3.3

Legal costs
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.
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. With regards to family matters this would include separation, maintenance orders or restraining orders
○ any matter where we do not believe there is a reasonable prospect of success
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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