Civil claims instituted by the Insured (regarding matters set out in this service schedule)
Civil claims instituted against the Insured (regarding matters set out in this service schedule)
Family Law Matters
Lobola Marriages. Services will be provided only in respect of marriages that came into effect after the 3-month waiting period.
Religious and Customary Marriages. Services will provided only in respect of marriages that came into effect after the 3-month waiting period
Divorces – Uncontested
Divorces – Contested
Amendment of Divorce Orders
Enforcement of Divorce Orders
Maintenance – Application for
Enforcement of Maintenance Orders
Amendment of Maintenance Orders
Failure to pay maintenance – Representation in
Maintenance arrears – Recovery of
Living together as life partners
Custody of Children
Paternity (excluding the medical test procedure)
Protection orders (excluding disputes between the Insured and immediate family members, spouse or life partner)
Disciplinary Hearings Assistance and Representation
Lodgement of grievances at workplace
CCMA Assistance and Representation
Criminal matters – all criminal offences
Bail payments up to R5 000 per incident per family member. My Lawyer will conduct a bail application and pay bail money / furnish a guarantee on behalf of the Insured in an amount not exceeding R5000 (Five Thousand Rand) per family member. The bail assistance service under this policy will only be provided in respect of a first bail application related to every specific incident.
General Legal Problems
Mal-practice by doctors
Negligence in hospitals
Disputes with insurance and medical aid companies
School related legal disputes
Lease agreements – this benefit is limited to tenants only
Damage to immovable property
Unlawful arrest by SAPS and Metro Police
Consumer related legal problems
Personal and bodily injuries
Problems with the neighbours
Disputes with service providers
Homeowner legal problems – limited to primary residence of insured
Building disputes – limited to primary residence of insured
Guarantees and warranties
Defamation of character
Legal disputes regarding Tax
Registration of companies – limited to 2 Companies per annum
Status of persons (Curator’s appointment) The event and/or condition that forms the ground for person’s change in status must have happened or developed after the 3-month waiting period
Appeals and review proceedings in criminal cases
Rescission of civil judgement
Legal disputes regarding financial services
Debt related legal problems
Blacklisting – Removal of your name from the Credit Bureau list
Legal problems with Local Authorities
Criminal prosecution relating to motor vehicle accidents
RAF (Road Accident Fund) Claims
Traffic Offences where the fine exceeds R1 500 – Bail services as set out in services 30 and 31 above will only be provided following an arrest after the commission of a traffic offence. In respect of any drug or alcohol related offences or in the event of an arrest as a result of failure to appear in court no bail services will be provided
Reckless or Negligent driving
Culpable Homicide as a result of an accident
Guarantees and warranties
Insurance related matters
Other damage to your vehicle due to bad road conditions
Problems with panel beaters
Problems with tow-in companies
Additional value adding services (Costs for the Insured’s account at discount rates):
Negotiating discount on attorney’s transfer fees of up to 30% when purchasing/selling immovable property if one of the attorneys on the My Lawyer network is appointed as the transferring attorney
Winding up of deceased estates. My Lawyer will negotiate a special rate on executor’s fees if one of the attorneys on the My Lawyer network is involved in the winding up of a deceased Insured’s estate.
The My Lawyer policy excludes:
The payment of any fine, penalty, tax, levy, any witness fee, any costs pertaining to expert witnesses and expert witness reports, travelling or subsistence costs, any payment or reimbursement of money to the Insured of whatever nature, including costs and expenses in respect of services under this policy provided on a contingency fee basis.
Any costs awarded by way of court order and costs granted in legal proceedings to the Insured’s opponent and/or any other party by court/forum order.
Insured Matters that occurred outside the borders of Republic of South Africa.
Litigation and representation services regarding Insured Matters which occurred before the inception date of this policy or within the Waiting Periods.
Matters related to the Insured’s business trade or profession.
Matters related to the professional sporting activities of the Insured.
Any Matters relating to:
Debt review, counselling or rehabilitation
Insolvencies and administration of estates
Investment and pension/provident fund disputes
Citizenship related legal problems
Water and electricity account problems
Matters related to contracts and or transactions with telecommunication service providers
Loss of or damage to any vehicle as a result of an accident
Matters related to the service and / or repair of a vehicle
Application of rules by Body Corporatesand Home Owner Associations
Conveyancing of property
Matters adjudicated in the small claims Court
Matters related SABC licences
Adoptions in respect of blood relatives of a member
Constitutional Court proceedings
Any act or activity pertaining to political activity / riot, civil commotion, labour riot / strike / lockout or public disorder
Labour matters, the cause or grounds of which originate during the Insured’s membership of a Trade Union
All matters not specifically included in the definition of Insured Matters
Ionising, radiation or contamination by radioactivity from an irradiated nuclear fuel or any nuclear waste from the combustion of nuclear fuel
The radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component thereof
War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, riot, rebellion, revolution, insurrection, military or usurped power, or confiscation or nationalisation or compulsory purchase, requisition, destruction of or restrictions or controls placed on or damage to property by or under the order of any government or public or local authority.
Legal Services that are purely administrative of nature.
Events or circumstances which had commenced or occurred before the inception of this policy.
This policy of insurance and all actions, whether actual or contemplated, brought against the Insurer and / or My Lawyer by the Insured.
Legal proceedings brought by or contemplated against Insureds by other Insureds where the parties to the proceed- ings are members of the same household.
Any claim which is false or fraudulent.
Any claim where the claimant acts without the consent of the Insurer or My Lawyer or contrary to or in a manner different from the advice of My Lawyer.
The Insurer and My Lawyer do not provide sureties of whatever kind. In the event of a court order for costs in favour of an Insured, that amount of costs is payable immediately and on demand to My Lawyer and it is further agreed that the amount as set out in the court order will be a liquid amount for purposes of summary judgement.
The Insurer or My Lawyer will not be held liable for the provision of any Benefits or Legal Services incurred:
prior to written confirmation of the Insurer or My Lawyer that the claim has been accepted
where the Insured fails to give proper instructions and in due time to the Insurer or My Lawyer or the legal practitioners appointed by My Lawyer
where the Insured is responsible for anything which in the reasonable opinion of the Insurer or My Lawyer prejudices his/her prospects of success in the prosecution, defence or settlement of the proceedings and in general the handling of his/her claim;
Where the Insured misrepresented any facts or did not disclose to the Insurer or My Lawyer all information relevant to his / her claim and / or this policy.