Legal issues are an integral part of your life, arising in everyday situations like opening an account, signing for a loan, or getting married. Legal Insurance gives you financial cover to protect your legal rights. Since we’re not all legal experts, you may have a question about your employment contract, or you may need someone to represent you in court. Either way, Legal Insurance from Bidvest Insurance has you covered.
What is Legal Insurance?
Legal Insurance covers the cost of legal services such as legal advice, mediation, and representation in court (litigation), along with many other benefits. Legal services are notoriously expensive, making it difficult for you to afford the help you need. With Legal Insurance, you can access the legal help you need to defend your legal rights and receive professional guidance, without having to worry about the bill.
Legal matters can arise at any time, the thought of navigating them alone is terrifying. Often, we lack the knowledge, accessibility, and especially the financial means to get the advice or assistance needed. Whether it’s a significant issue like a misunderstanding at work, or a simple lease agreement question, Legal Insurance from Bidvest Insurance is here to help.
Our Legal Insurance gives you, your spouse, and up to 5 dependents instant access to a team of trusted legal professionals. This coverage ensures that you have the support and resources necessary to handle any legal challenge without the burden of high costs.
Why you need Legal Insurance
Many people assume they don’t need legal assistance unless they find themselves in serious legal trouble. Legal issues are, however, more common than you might think and can affect anyone. As an adult, you are involved in legal matters every day. Even though some of these situations may not require representation in court, you may still need some advice. Here are some common legal issues that you could face:
Common legal issues that you could face
- Misunderstandings at work: Legal issues can arise from misunderstandings or disputes in the workplace, requiring clarity or legal intervention.
- Traffic violations: Dealing with speeding tickets or other traffic violations may require legal advice to help you minimise fines.
- Small claims disputes: Resolving disputes over small amounts of money, property damage, or contract disagreements through small claims court may require legal guidance to navigate the process effectively.
- Lease agreements and property disputes: Issues with landlords or tenants can arise unexpectedly, from disputes over lease terms to property damage claims. You never know when you may need legal advice.
- Employment contracts: Navigating employment contracts may require legal advice.
- Consumer rights and store account problems: You may not fully understand your rights. Problems with store accounts, warranties, or faulty products often require legal intervention to resolve. This may involve negotiating with retailers for refunds/replacements or taking legal action to enforce warranty claims.
- Family matters: Divorce, child custody arrangements, and other family law matters can be emotionally and financially draining. Legal assistance helps you navigate the complexities of family law.
The benefits of Legal Insurance
Legal Insurance cover gives you and your family the support you need to navigate legal matters. Here are some of the key benefits:
Financial protection
Resolving legal matters is expensive, and legal costs can quickly escalate. Legal Cover helps you manage the legal costs so you can get the help you need, without breaking the bank. With Legal Insurance from Bidvest Insurance, you get affordable access to legal services, preventing potentially crippling legal fees from affecting your financial situation.
Cover for a wide range of legal issues
Legal Insurance from Bidvest Insurance gives you cover for a broad spectrum of legal matters, including civil, family, criminal and labour matters. This comprehensive coverage ensures that you have support across various areas of law.
Easy access to legal expertise
You get easy access to the legal expertise you need, without having to worry about the hefty bills. It’s also not always easy finding the right legal professional for your situation. Legal Insurance from Bidvest Insurance gives you access to a team of legal professionals who specialise in various fields. You get the right expertise for your specific legal dispute.
Stress reduction
Dealing with legal matters is stressful and overwhelming. Knowing that you have the support of a legal plan can help to reduce this stress, enabling you to focus on other aspects of your life. With Legal Insurance, you have legal backing whenever you hit a legal roadblock.
How Legal Insurance works
When you have Legal Insurance cover, you’re covered for various legal issues that may arise. Our legal specialists will assist you through the process right from the initial call, drafting of contracts, through to the mediation process, and all the way to legal representation court, if needed.
Typical types of legal services
Telephonic advice
This service provides legal advice over the phone. Qualified legal advisors give you advice on a variety of legal issues, including contract disputes, family matters, or property concerns. This is particularly useful for quick consultations and initial guidance.
Mediation
Mediation is a process where a neutral third party helps you resolve disputes without going to court. Lawyers specialised in mediation facilitate discussions and negotiations between you and the other party to help you reach a mutually agreeable solution. It’s often used for family disputes, contractual disagreements, and other civil matters.
Litigation
Should the mediation process fail to produce a resolution, litigation often follows. Litigation involves taking legal action in court to resolve disputes. Lawyers specialising in litigation handle this process, which includes filing lawsuits, making court appearances, and representing your interests in legal proceedings. Litigation is often used when disputes cannot be resolved through mediation or other means.
Coverage details
Legal Angel gives you extensive coverage across various legal matters, including:
- Unlimited legal advice line: Our qualified legal advisors are available 24/7 to answer your legal questions, providing you with immediate and professional advice on any legal matter. Whether it’s a contract issue, a family dispute, or a consumer rights concern, our team is ready to assist.
- Unlimited mediation: Many legal issues can be resolved outside of court through mediation. Our Legal Insurance provides unlimited access to mediation services with professional lawyers, helping you reach amicable solutions efficiently and cost-effectively.
- 24-hour bail assistance cover: In the unfortunate event that you need bail assistance, our policy ensures you have access to legal support anytime. This benefit includes arranging bail and handling the necessary paperwork to secure your release promptly.
- Divorce cover: Divorce can be both emotionally and financially challenging. Our coverage includes legal guidance through the divorce process, representation in court, and assistance with the division of assets and custody arrangements, ensuring your interests are protected.
- Property transfers: When buying or selling a property, additional costs such as transfer fees can add up. Our Legal Insurance offers discounts on these fees, making the process more affordable. This benefit includes assistance with all legal documentation and the transfer of ownership.
- Drafting of Wills: Having a legally sound Will is crucial for ensuring your assets are distributed according to your wishes. Our legal professionals will help you draft a Will that meets all legal requirements, providing peace of mind that your estate will be handled properly.
Real world examples
Using the legal advice line for employment issues
Anele faced an unexpected situation at work where she was wrongfully accused of misconduct and faced potential termination. Unsure of her rights and the best course of action, she called the 24/7 unlimited legal advice line provided by Legal Angel. A qualified legal advisor listened to her situation, explained her rights, and advised her on how to respond to her employer. The advisor also helped her draft a formal response letter, which she submitted to her HR department. With this professional guidance, Anele was able to navigate the situation confidently, and the issue was resolved, without further escalation.
Family dispute mediation
Sarah and her ex-partner were struggling with a child custody arrangement. Both parties wanted what was best for their child but couldn’t agree on the terms. Sarah used her Legal Insurance’s unlimited mediation service. A professional mediator facilitated discussions between Sarah and her ex-partner, helping them reach a fair and amicable custody agreement without the need for court intervention. This not only saved them both money, but also reduced the emotional stress on their child.
When you’re involved in a legal dispute, the bills will add up quickly. Legal Angel gives you and your family immediate access to legal experts, whenever you need them. With Bidvest Insurance by your side, you can tackle legal roadblocks with confidence.
