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Products Clientèle Legal PlansWhat would happen if you were unfairly dismissed, unfairly blacklisted or involved in a legal dispute? Would you be able to afford the costly legal fees to resolve your matter?Many people cannot afford legal assistance. Don’t be one of them . . .Choose between the Clientèle Standard Legal Plan, from as little as R192 per month, and the Clientèle Classic Legal Plan from only R227 per month and we will provide you with easy access to personal legal services that are available 24 hours a day. From the moment your first premium is paid, a team of dedicated legal advisors is available telephonically to assist you with new legal matters that you may have. For the first 3 months you will have access to limited telephonic advice only; and thereafter, you will have access to full legal assistance.WHAT YOU WILL BE COVERED FORCivil Matters including:
- Contractual disputes
- Residential disputes with neighbours
- Damage caused to your property by a third party
- Repudiation of insurance claims without good reason
- Motor vehicle accident disputes
- Unfair blacklisting
- Uncontested divorce matters
Where it is alleged that you have committed a crime, but excluding incidents of violent criminal mattersLabour Related Matters including:- CCMA referrals
- Unauthorised salary deductions
- Restraint of trade disputes
- Unfair dismissal
WHAT YOU ARE NOT COVERED FOR- Deceased estate matters
- Business related matters
- Violent criminal offences
- Any claim (legal matter) where the cause of action arose or existed before applying for the policy
- Exclusions as per the policy terms and conditions
The difference between the Standard Legal Plan and the Classic Legal Plan Clientèle Standard Legal Plan Clientèle Classic Legal Plan Entry Ages 18 – 69 18 - 84 Premium R192 R227 Annual Legal Cover R180,000 R215,000 Lifetime Legal Cover R1,80 million R2,15 million Retrenchment Benefit will provide a 3-month grace period on your premium payments, should you be retrenched after you have paid 12 consecutive premiums X X Cover for IFA business related matters, where the dispute is not against another IFA Excess 3 times your monthly premium No excess Accidental Death Benefit for the main insured person n/a R10,000 A Bail Protect Benefit, administered by Road Protect, which provides assistance in posting bail of up to R3,000 following arrest for a minor (and non-violent) crime X X Family cover for your spouse and 4 children under the age of 18 (21 if the child is a full time student). Proof of the registration will be required at claims stage for full-time students on your policy) n/a X Inflation Protection To protect your policy against the effects of inflation, your premium and legal benefits will increase by 10% every year. The Accidental Death Benefit on the Classic Legal Plan will increase by 6% per year. X X Earnings Guarantee Benefit Upon an IFA’s death or total and permanent disability, a lump sum equal to 12 months’ IFA Earnings, as per the month prior to the claim event, is paid. In addition, a payment equal to the last monthly earnings earned will be paid for 2 years thereafter X X Note: Premiums are as at February 2019 (subject to change) and inclusive of VAT.
From R192 p/m
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