Legal cover benefit

Civil claims

When life gets legal or a dispute escalates, we'll help you stand your ground and protect your rights, whether you are the one taking action or defending yourself.

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Take legal action with confidence

Should someone break a promise, cause damage that leaves you out of pocket, or make a claim that's unfair, you don't have to stand up for what's right alone. We'll take legal steps to recover what's owed to you - dealing directly with the person (or business) involved and sending legal letters that show you're serious. If a fair settlement isn't possible, we'll fight in court for the outcome you deserve.

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Defend your rights when served with legal papers

If the tables are turned and you are being sued, we'll step in quickly to help you respond correctly and on time - protecting you from rulings that could cost you or harm your credit record. We'll push for a fair result, challenge unfair or exaggerated claims, and prepare a solid defence so your side is clearly heard.



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LAW FOR ALL’s civil claims benefit includes:

Legal advice on instituting or defending civil claims
Drafting and sending letters of demand
Preparing and filing legal notices to defend claims
Informal mediation with the other party (or their lawyer) to try to settle out of court
Appointing a qualified civil lawyer to appear in court

What's covered - Plan by plan

Civil claims

  • Taking legal action where someone breaks a written agreement
  • Defamation claims where remarks were made publicly, in writing and caused financial loss
  • Claims for damage to property where the cost to fix or repair can be shown
  • Defending civil claims for money, goods, services or damages
  • You'll have access to legal representation in court after a 3-month waiting period.

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Affordable legal protection

Hiring a private lawyer to start or defend a civil claim  can cost anywhere from R10 000 for a simple matter to R100 000 in the high court, depending on complexity. With LAW FOR ALL, the cost is included in your cover to protect your pocket against expensive legal fees.

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LAW FOR ALL
helps you:

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Understand & protect your rights

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Resolve things fairly and calmly (where possible)

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Avoid unnecessary legal costs

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Navigate challenging situations with trusted legal support

 

Whether things stay amicable or take an unexpected turn, you are always backed by legal professionals who’ve been through this many times, so you don’t have to go through it alone.

Frequently asked questions
about our civil claims benefit

Find answers to the questions we get asked most often about our policies and legal services.

We help with legal problems that come up in every day life - like when someone owes you money and won't pay, or breaks a written agreement, or damages your property. You can also count on us for help with consumer disputes, such as trouble cancelling a fixed term contracts (like a gym or cellphone contract) being overcharged or billed unfairly by your local municipality, or buying something that doesn't work as promised. Please reach out to find out if we can assist.

Don't panic, but definitely don't ignore it either. Legal documents usually come with strict deadlines, and missing them could lead to serious consequences, like a default judgement or even the sheriff seizing your property to sell at auction. Contact us as soon as possible. We'll go through the legal document with you, explain what it means, and help you respond the right way and on time.

Going to court can be time-consuming, stressful, and expensive , especially for small claim amounts.  The Small Claims Court provides a simpler, faster way to resolve disputes under R20 000 without the need for lawyers to get involved. Unfortunately, the court doesn't allow lawyers to appear for clients. That's why we assist behind the scenes, to help refer your case and prepare you to present your side effectively when the hearing day comes.

If your case needs to go to court, we'll appoint one of our trusted panel attorneys to represent you. They're experienced lawyers we work with every day - so you get credible, reliable representation without worrying about legal fees. If you already have a lawyer in mind, please chat to us before appointing them.

Most civil claims need to be started within 3 years from when the incident or loss happened. After that, your right to claim expires, even if your case is valid. That's why it's best to reach out to us as soon as possible. We'll review your situation, check how much time you have left, and guide you on the next steps before deadlines become an obstacle.

Why choose LAW FOR ALL

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No excess fees when claiming

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30-day satisfaction guarantee

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Instant access
& legal advice

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No excess fees when claiming

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30-day satisfaction guarantee

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Instant access
& legal advice

Ready to get one of Africa's best legal teams in your corner?

Sign up online, or if you still have questions about our legal insurance cover, simply request a callback and a sales representative will contact you.