Clientele offers two different types of legal cover, Personal cover and Business cover. It will depend on why you would need legal advice, but most people go with the personal cover. This plan starts at R165 p/m and gives you legal protection of R165,000 every year! This service includes cover for your family members and your premium will not rise when you claim.
Legal Cover – Your Precious Asset
Legal cover offers financial protection from potential losses and legal fees following an accident that wasn’t your fault. It is primarily used to claim uninsured damages not covered by your normal motor insurance policy. In a normal motor insurance policy, you would be covered for any damage to your vehicle due to theft or damage due to fire or flood, etc. This is all covered except for damage due to a criminal act. You would have to take up a separate policy to cover this.
Most people automatically insure their cars under a comprehensive car insurance policy, as it covers most eventualities. However, it does not cover the eventualities involving your car in the hands of a third party. It only covers those situations where you are legally responsible. This may sound like common sense, but unfortunately, it is not always implemented properly.
Your comprehensive policy usually covers you for injuries to other people and damage to property. For example, if someone were to injure you in a road accident, then you could make a claim. However, the accident should have been your fault and you should still have legal expenses on your side, as per the comprehensive policy. The insurance company would only payout if you could show that the accident was indeed your fault, regardless of who was at fault. To make matters worse, if you claim under a comprehensive policy, then any legal expenses you incur will be added to your regular legal expenses!
If you decide to add the above to your regular car insurance, you could face a huge bill when the accident is in court. The last thing you want is to have legal expenses which take up more than your annual budget. Not only this, but your policy may come under threat of cancellation because you did not take the necessary precautions to ensure you were properly covered in South Africa. Therefore, it is in everyone’s best interest to get specialized South Africa covers legal advice before taking out a policy.
When searching for a car insurance policy, consider adding the above comprehensive clause into your search. Ask family and friends for recommendations. You can also search online. Remember, you do need legal cover, even when driving on foreign roads. It is better to be safe than sorry! To protect your interests and reduce the risk of being involved in any unforeseen accidents, you need to find the right South Africa car insurance policy which meets all your needs.
There are many legal protection packages available to you. One such package would include legal expense coverage, which would cover any out-of-pocket expenses caused by any accident. You may also choose to add medical expenses coverage to your South African standard car insurance policy to take care of any medical expenses resulting from an accident. South Africa has become a popular tourist destination with large numbers of tourists every year.
To get more information about this plan, or to get free quotes, visit Clientele Legal’s website.