Legal Insurance

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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.