Page 90 - Execuline - Classic Policy Wording

Legal costs
What we cover you for
We cover you for legal costs and expenses, based on our tariffs and limits, 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.
Where any cover is subject to a waiting period, you may claim once only it has ended. Please check your schedule now for the waiting periods that may apply to you.
Difference between civil action and criminal action
A civil action is when one person institutes legal proceedings against another person to protect their rights, or because they believe a wrong has been done to them. A successful outcome results in damages being awarded in favour of the winning party.
A criminal action is when legal proceedings are brought by the state against a person because they are believed to have committed a crime. If found guilty, the person is punished by a prison term, a fine or both.
88 HPL – Execuline – Classic Personal Insurance Policy – 6 July 2015