Page 96 - Hollard Private Portfolio - Version 3.4

Legal costs
Key terms to understand
You
Legal costs Identity theft
Includes yourself, your spouse and any members of your immediate family under the age of 21 who normally reside with you, and are financially dependent on you.
Costs and expenses arising from a claim under this section, and for which you are liable.
The theft, copying or illegal use of your identity document, or any confidential information relating to your identity by any person other than your spouse and any members of your immediate family.
Beware of identity theft
If someone should steal the details of your personal identity – for example, your ID number and address – they would be able to pass themselves off as you. They would then be able to enter into contractual arrangements in your name, access confidential information and even obtain credit.
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.
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.
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.
94 Hollard Private Portfolio – Version 3.4 – 17 Aug 2023