In South Africa, legal problems can pop up out of nowhere, leaving you stressed and worried about money. Employment disputes, traffic fines, or family issues are common issues that require legal help. That’s where Legal Insurance comes in. It’s a must-have for anyone who wants to handle their legal issues, without breaking the bank.
Understanding Legal Insurance in South Africa
What is Legal Insurance?
Legal Insurance is a type of coverage that helps you deal with legal matters, without having to worry about the high costs of hiring a lawyer. It works like other insurance policies. You pay a monthly fee, and in return, you’re covered for the costs of a range of legal services when you need them. When something goes wrong, and you need legal help, you won’t have to stress about the costs.
Most people don’t expect to deal with legal issues, but the truth is, we face situations every day where a little legal help could make a big difference. Did you know that hiring a lawyer can cost around R2,000 an hour? That’s a lot of money! Legal Insurance helps take that financial burden off your shoulders.
Benefits of Legal Insurance
Saves you money
Legal issues can quickly become expensive. Whether it’s a civil dispute, family matter, or labour issue, lawyer fees can add up quickly. Legal Insurance covers these costs, providing financial relief so you don’t have to pay out of pocket. This means you can get the help you need, without worrying about the bill.
For example: Dealing with an unfair dismissal at work. Without Legal Insurance, hiring a lawyer could cost tens of thousands of rand. With Legal Insurance, your legal fees are covered, and you get the help you need to resolve the issue.
Access to top lawyers
Finding a good lawyer can be tricky, especially when you’re dealing with a stressful situation. Legal Insurance gives you access to a network of skilled attorneys who specialise in different areas of law, such as family law, property law, and labour law. This saves you time and effort in finding a lawyer when a legal issue arises. As a Legal Insurance policyholder with Bidvest Insurance, all you need to do is contact us, and we’ll connect you with the right professional.
Unlimited legal advice
Legal Insurance from Bidvest Insurance gives you unlimited access to legal advice through our legal advice helpline. You can call when you have a legal question, no matter how big or small.
This is especially helpful for everyday legal questions, like understanding your rights as a tenant, or knowing what to do if you’re involved in a minor car accident.
Help with mediation
Not all legal issues need to go to court. Sometimes, it’s better (and cheaper) to settle things outside of court through mediation. This is when a neutral third party helps both sides reach an agreement. Legal Insurance from Bidvest Insurance includes mediation services, which can save time and reduce stress. It’s a more affordable and faster way to settle disagreements compared to lengthy court battles.
Cover for a wide range of issues
Legal Insurance isn’t just for big legal battles. It covers many common legal problems, including:
- Family issues: Divorce, child custody, and adoption
- Property matters: Buying or selling a home, disputes with landlords
- Workplace issues: Unfair dismissal, workplace harassment
- Traffic violations: Contesting fines, dealing with minor accidents
Helps you plan ahead
Legal Insurance isn’t just there for when things go wrong. Legal Insurance also helps you plan ahead. For example, you can get help creating important documents like Wills and estate plans, ensuring your affairs are in order, reducing your risk of future legal issues.
Real life examples of legal issues South Africans face
Here are some common scenarios where having legal insurance can make a big difference:
Job issues
Picture this: You’re dismissed from your job, without a valid reason. Without legal support, you might struggle to challenge your employer, risking your income. Legal Insurance connects you with a labour lawyer who can help you file a case for unfair dismissal, ensuring you receive the compensation or reinstatement you deserve. This could include negotiating a settlement or representing you at the CCMA (Commission for Conciliation, Mediation, and Arbitration).
Family disputes
Family matters like divorce or child custody battles are emotionally draining and often require legal intervention. If you’re going through a divorce, Legal Insurance can cover the costs of a family lawyer to help you.
Traffic fines
Getting a traffic fine can be frustrating, especially if you believe it was issued unfairly. Contesting a fine on your own can be complicated and time-consuming. With Legal Insurance, you can quickly get legal advice on whether you have grounds to challenge the fine. If you do, you can get the help you need to navigate the appeals process.
Consumer protection issues
You bought an expensive appliance that broke down shortly after your purchase, and the store refuses to give you a refund or replacement. Legal Insurance can connect you with a consumer protection lawyer to help you take legal action. This ensures you get a fair resolution, without the stress or cost of handling it on your own.
Why Choose Bidvest Insurance for Legal Insurance?
When it comes to Legal Insurance in South Africa, Bidvest Insurance sets itself apart with several key advantages:
Affordable pricing with no hidden fees
Bidvest Insurance’s Legal Insurance has a simple, affordable monthly premium with no surprise fees, making it easy to budget for your legal protection. Other Legal Insurance providers in South Africa often have complicated pricing structures or hidden charges that add up quickly.
Unlimited access to legal advice
While other providers limit the number of consultations or charge extra for legal advice, Bidvest Insurance’s Legal Insurance includes unlimited legal advice. You can call our dedicated legal advice line as often as you need, ensuring you get the support you need, without worrying about how many consultations you have left.
Cover for your family
Unlike other Legal Insurance providers who only cover the policyholder, Bidvest Insurance’s Legal Insurance extends its coverage to your family. With a single plan, you get legal protection for you, your spouse, and up to five children under 21 years old. This means you and your loved ones are protected from legal issues, without needing to buy separate policies.
Comprehensive mediation services
Many insurers focus only on courtroom battles, but Legal Insurance from Bidvest Insurance gives you mediation services. This helps resolve disputes quickly, without the need for lengthy and expensive court cases, saving you time and reducing stress.
Reputation and reliability
Founded in 1997, Bidvest Insurance has built a strong reputation in South Africa for providing reliable, high-quality insurance products. With 27 years of experience, we’ve earned the trust of thousands of clients who rely on their expertise to handle legal issues effectively. Choosing Bidvest Insurance means choosing a partner that gives you more than just basic insurance coverage.
FAQs about Legal Insurance
What does Legal Insurance cover?
Legal Insurance provides coverage for a variety of legal matters, including civil, family, criminal, and labour issues. It also includes services like unlimited legal advice, divorce support, mediation assistance, and bail cover.
How can I access legal advice?
You can access unlimited legal advice 24/7 through the legal advice hotline by calling 0861 114 095 or emailing legalangel@bidvestinsurance.co.za.
Does Legal Insurance cover my family?
Yes, your Legal Insurance policy from Bidvest Insurance covers you, your spouse, and up to five children under 21 years old.
Can I get help with drafting my Will?
Yes, Legal Insurance from Bidvest Insurance includes support for drafting Wills to ensure your assets are distributed according to your wishes.
How much is Legal Insurance from Bidvest Insurance?
The cost of Legal Insurance starts from as little as R99 per month, depending on the coverage option you choose.
Conclusion
Legal issues can be stressful and expensive, but Legal Insurance can make it easier to deal with them. It gives you access to legal advice, covers your legal fees, and helps you resolve disputes quickly. If you’re looking for peace of mind and financial protection, consider getting Legal Insurance from Bidvest Insurance.
Complete the form below to get Legal Insurance.
