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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 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:
○ 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 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.
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.
Business activities
○ Any interest in immovable property which is not your permanent place of residence.
○ Your conduct as an agent, contractor, sub-contractor or in the conduct of a trade, profession or other occupation
or activity as a business.
○ Mining activities.
○ Your rights or obligations as a principal, shareholder, owner, co-owner, partner or member of an existing or proposed business.
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.
For example, you should first resolve a disagreement with the relevant Ombudsman or the National Consumer Commission.
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