Life happens, so make sure you and your family stay protected in the good and bad times no matter what legal issues life throws at you.

View your comprehensive list of services below.

Legal Advice

Access to a 24-hour legal service centre to obtain legal advice and standard routine legal documents.

Legal Assistance

Legal advice, legal representation and litigation services in any legally instituted court or tribunal, pertaining to the following matters:

1. Civil Matters

  • Civil claims instituted by you regarding matters set out in this service schedule

  • Civil claims instituted against you regarding matters set out in this service schedule

2. Family Law Matters

  • Civil Marriages

  • 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 be 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

  • Prenuptial agreements

  • Living together as life partners

  • Custody of Children

  • Visitation rights

  • Paternity (excluding the medical test procedure)

  • Family violence

  • Guardianship

  • Protection orders (excluding disputes between the Insured and immediate family members, spouse or life partner)

  • Adoptions

3. Labour Matters

  • Disciplinary Hearings Assistance and Representation

  • Lodgement of grievances at workplace

  • Internal Appeals

  • CCMA Assistance and Representation

  • Arbitration

4. Criminal Matters

  • Criminal matters – all criminal offences

  • Bail applications

  • 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.

5. General Legal Matters

  • Mal-practice by doctors

  • Negligence in hospitals

  • Disputes with insurance and medical aid companies

  • Child abuse

  • Children’s rights

  • 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

  • Defective goods

  • Personal and bodily injuries

  • Problems with the neighbours

  • Sexual harassment

  • Disputes with service providers

  • Homeowner legal problems – limited to the primary residence of insured

  • Building disputes – limited to the primary residence of insured

  • Surety

  • Contracts

  • Guarantees and warranties

  • Poor craftsmanship

  • 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

  • Urgent applications

  • Interdicts

  • Appeals and review proceedings in criminal cases

  • Rescission of civil judgment

  • Wills

  • Trusts

    Legal disputes regarding financial services

  • ID Theft

  • Debt related legal problems

  • Garnishee Orders

  • Blacklisting – Removal of your name from the Credit Bureau list

  • Unlawful blacklisting

  • 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

  • Drunken driving

  • Reckless or Negligent driving

  • Culpable Homicide as a result of an accident

  • Guarantees and warranties

  • Purchase contracts

  • Financing agreements

  • Insurance-related matters

  • Auctions

  • Repossessions

  • Pothole damages

  • Other damage to your vehicle due to bad road conditions

  • Problems with panel beaters

  • Problems with tow-in companies

6. Additional Value-added Services: (costs for the members account)

  • 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.

Exclusions

  • 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

      • E-toll

      • Adoptions in respect of blood relatives of a member

      • Land claims

      • 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.

MyLawyer is a legal expense insurance product of MyLawyer Legal Assistance (Pty) Ltd t/a MyLawyer. The MyLawyer product is underwritten by Genric Insurance Co Ltd (FSP No: 43638), an authorised financial services provider and licensed non-life insurer. MyLawyer is an authorised financial services provider with FSP number 46455.

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