What Is PLIP?

PLIP (Extended Personal Legal Liability) is designed to protect you if you're held responsible for accidental injury, property damage, or financial loss—whether at home, work, on the road, or during social activities.

What Extended Personal Liability Covers

• Accidental injury: Covers medical and legal costs if someone is hurt on your property or in your presence.
• Property damage: Provides protection if you unintentionally damage others’ property (e.g., your car, home, or belongings).
• Contractual liability: Liability you accept under an agreement—like renting equipment or hiring services.
• Financial loss: Covers compensation if your advice or actions cause someone to suffer monetary harm.
• Libel and slander: Protects against claims arising from unintentional defamation.
• Wrongful arrest or detention: Coverage if you're wrongfully imprisoned or arrested.
• Animal-related incidents: Includes liability from pet incidents, such as a bite or escape damage.
• Pollution liability: Small-scale accidental pollution, such as fuel or oil spills.

Key Features of PLIP

• Worldwide coverage: Typically extends coverage even abroad.
• Family protection: Covers family members who live with you.
• Domestic worker inclusion: Includes liability for household staff or contractors on your premises.
• High limits: Offers substantial protection (e.g., R10 million–R20 million) at typically low cost.

Is PLIP Right for You?

• Homeowners and tenants who want extended protection beyond standard policies
• Car owners concerned about third-party injury or damage
• Pet owners seeking added liability coverage
• Individuals providing advice or services informally

How Much PLIP Costs

PLIP is generally very affordable—for example, a policy might cost around R10–R15 per month for coverage limits between R10 million and R20 million.

How to Get Extended Liability Cover

• Check if it’s included in your existing home or vehicle policy
• If not, request it as an optional add-on from your insurer or broker
• Ensure the cover limits align with your risk exposure
• Review inclusions such as worldwide cover or domestic worker protection

Extended liability cover gives you vital peace of mind against unexpected, high-cost legal claims—without breaking the bank.