Key takeaways
- Policy limits: There are defined coverage limits for different legal benefits. Some benefits are unlimited.
- Waiting periods: Some benefits have specific periods before they become active.
- Importance of policy documents: It’s important that you read your policy documents to ensure you know exactly what’s covered and what is not.
It’s important to have a clear understanding of your Legal Insurance policy from Bidvest Insurance to ensure you know what benefits you have and when you can use them. Here’s a comprehensive guide to help you understand your policy limits, exclusions and waiting periods.
What are policy limits?
Policy limits refer to the maximum amount of coverage provided for various legal benefits under your insurance policy. For Legal Insurance from Bidvest Insurance, these limits vary depending on the chosen coverage option: Essential, Comprehensive, or Elite.
Understanding your Bidvest Insurance Legal Insurance policy limits
Here are some key limits for each coverage option:
Legal Insurance waiting periods
Waiting periods are the time frames during which certain benefits are not available after you start your policy. Understanding these waiting periods helps you plan and use your policy benefits. Here are the waiting periods for some key benefits of the Legal Angel policy:
- Legal advice/bail assist line: No waiting period.
- Litigation cover: 3 months.
- Opposed divorce matters: 6 months.
- Bail cover: 1 month.
- Mediation services: 1 month.
The importance of reading your policy documents
Reading your policy documents is essential to understand what is covered and what is not. Here are some critical aspects to pay attention to:
Legal Insurance policy exclusions
Bidvest Insurance’s Legal Insurance policy has several exclusions that are important to understand. Some of these exclusions include:
- Business-related matters: Legal issues arising from business activities are not covered.
- Pre-existing matters: Matters that existed before the policy was activated or arose during the waiting period are excluded.
- Verbal agreements: Matters based on verbal agreements without a written and signed contract are excluded.
- Criminal charges and/or damages related to the use of alcohol or drugs: Legal expenses incurred due to criminal charges related to alcohol or drug use are excluded.
- Matters originating outside South Africa: Legal matters that originated outside South African borders are not covered.
- Small Claims Court matters: Matters that fall within the jurisdiction of the Small Claims Court are excluded.
- Self-motivated court applications: Applications for interdicts, eviction orders, and other self-motivated court applications are excluded.
*For a full list of policy exclusions, please refer to your policy documents.
FAQs
How do I claim from my Legal Angel policy?
When you need to claim or get some advice, all you need to do is:
- Call 0861 114 095 or email us on legalangel@bidvestinsurance.co.za
- A legal specialist will then take you through the process, whether it’s drafting contracts or going to court.
- Case closed.
Can I upgrade my tier if my needs change?
Absolutely! Contact us to discuss moving from Essential to Comprehensive/Elite.
Does Legal Insurance cover business disputes?
No, your Legal Insurance policy from Bidvest Insurance does not cover business disputes.
How do I check my remaining litigation cover?
Call 0861 114 095 or email legalangel@bidvestinsurance.co.za for a balance update.
Can I cancel my policy?
Yes, you can cancel your policy at any time. Simply call 0861 114 095 or email legalangel@bidvestinsurance.co.za
If you need more information or would like to utilise your policy benefits, you can contact our claims department directly at 0861 114 095 or via email at legalangel@bidvestinsurance.co.za.
