Legal Insurance Cover
What Is Covered?
Basic benefit
Mediation benefit
Tax assistance benefit
Litigation benefit
1. BASIC BENEFIT
Provides unlimited telephonic advice on personal legal and labour matters from day one of you taking out the policy even if the matter happened before the start date of the policy.
2. MEDIATION BENEFIT
You’ll get unlimited informal mediation and assistance in matters that happened after the start date of your policy. Mediation will take place on your behalf through written letters, telephonic calls, email, and face-to-face consultations. This benefit provides assistance up to the point where litigation can’t be avoided.
Matters that will be handled under the Mediation Benefit:
Written representation / settlement negotiation in criminal/labour matters
Mediation in civil matters (institute a claim or defend an action against you)
Mediation in family matters, such as maintenance and divorce settlements.
Matters related to identity theft.
Drafting of the following agreements:
- Contracts of sale for movable and immovable property.
- Employment contracts for domestic workers.
- Settlement agreements.
- Acknowledgement of debt.
- Rental agreements.
- Standard wills.
3. TAX BENEFIT
Get help with any tax related matters. Benefit from the services of registered Tax Practitioners and receive trusted advice and assistance with tax returns and submissions.
Assistance and advice is provided on:
Completion and submission of tax returns
Completion and submission of provisional tax returns
Advice on salary structuring
Tax planning
Dispute resolution with SARS
Objection on assessment(s) from SARS
Calculation of Capital Gains Tax
Calculation of Donations Tax
Assistance with assessment audits
4. LITIGATION BENEFIT
PLAN A
R55 000 Cover | R75 Per Month
Includes representation in the following:
Civil matters based on any written and signed agreement
Bail applications and criminal matters
Disciplinary hearings facing dismissal and legal representation is allowed
Any identity theft-related matter.
PLAN B
R75 000 Cover | R99 Per Month
Includes representation in the following:
Civil matters based on any written and signed agreement
Bail applications and criminal matters
Disciplinary hearings facing dismissal and legal representation is allowed
Any identity theft-related matter
Unopposed divorce matters
Maintenance hearings where other party has legal representation
PLAN C
R120 000 Cover | R140 Per Month
Includes representation in the following:
Civil matters based on any written and signed agreement.
Bail applications and criminal matters.
Disciplinary hearings facing dismissal and legal representation is allowed.
Any identity theft-related matter.
Opposed and Unopposed divorce matters. Limited to R10 000 per annum.
Maintenance hearings where other party has legal representation
A Magistrate’s Court application for rescission of judgment where you have a valid legal defence, the judgment was taken against you without your knowledge and you informed LIPCO thereof within seven days of becoming aware of the judgement.