Auto & General Legal Insurance
Do you need legal assistance or help defending your rights in South Africa? Here’s what Auto & General legal insurance can offer you. Find out if this is the best option for you below.
Who is Auto & General?
As part of the Telesure Investment Holdings Group, Auto and General has the financial backbone to offer a large range of insurance products to South Africans. They offer business insurance products and short-term insurance that complies with the Short-Term Insurance Act of South Africa. If you are looking for affordable insurance cover for your personal or commercial needs, it is likely that they will have an insurance policy ideal for you.
What Types of Cover Does Auto & General Offer?
You can get a contract of insurance from AutoGen for anything from buildings insurance to health insurance and commercial insurance. For an agreed monthly premium, they will cover you financially for perils that are detailed in the agreement of insurance you sign. Their policies often included added benefits such as emergency medical, roadside assistance, and benefits like Legal Assist.
How Does Auto & General Legal Insurance Work?
Their personal legal cover gives you access to legal advice, even if the legal matter arose before you signed up for a policy. This makes their cover stand out from other personal legal cover options in South Africa. Advice is available for legal matters, private matters, and labour matters.
AutoGen’s legal cover comes with three added benefits that are automatically included. When making insurance claims, the process is easy. Simply call their dedicated call centre line to get started.
You can choose from one of three levels of cover for your mediation benefit, namely Plan A, Plan B, or Plan C. This benefit covers you when you’re involved in court proceedings for civil matters, labour matters, or even criminal matters. The cover you get is limited to the maximum amounts detailed in your policy wording.
Is there a Waiting Period?
Yes. Your cover also only kicks in three months after the commencement date of your policy. This is known as a standard waiting period.
What Does AutoGen Legal Insurance Cover?
Their legal insurance includes cover for help with written representations, settlement negotiations, and mediations in criminal, labour, and civil matters. They also cover mediation in family matters, matters related to identity theft, and the drafting of legal agreements. You can also get assistance with tax submissions and tax advice.
If you already have an Auto & General insurance policy with these short-term insurers, the chances are good that you have their Legal Assist benefit included in your policy. You can look through the policy documents, paying attention to the wording, to see if this benefit is included already.
How Does Auto & General Legal Assistance Work?
Auto and General legal assistance offers policyholders access to the Auto & General Legal Department. They have qualified attorneys that are ready to help you through legal matters. This department can also provide you with tax advice telephonically.
You can phone them any day and any time, because they are open 24 hours a day, seven days a week, 365 days a year. They can help you with preparing for court, contractual law matters, a referral for legal representation, setting up wills, contracts, and other legal agreements, and other legal documentation.
Legal Assist is an assist benefit and not a full legal insurance policy. If you want a personal legal insurance policy from Auto & General, it is available. It is called Auto & General Legal Cover. The cover comes with exclusions and conditions which you can see in your policy documents. You can also download the brochure to find out more about what is and isn’t covered.
What Are the Benefits of Auto & General Legal Cover?
- The Basic Benefit
This basic benefit includes access to free legal advice on labour matters and private legal matters through the 24-hour call centre.
- The Mediation Benefit
This benefit provides you with legal assistance until litigation is unavoidable. You get unlimited cover for mediation and legal professionals who will make phone calls, write letters, send faxes and emails, and even hold consultations on your behalf.
- The Litigation Benefit
Once the matter goes to litigation, your cover can branch off to three options.
Litigation Plan A
Auto & General’s qualified attorneys will represent you in court for civil matters based on any written or signed agreement. They will do the same for bail applications and criminal matters. If you face dismissal and are allowed legal representation, they will represent you at disciplinary hearings, too. Finally, they will represent you for any identity theft related matter.
Litigation Plan B
Plan B covers everything in Plan a, and in addition covers unopposed divorce matters where the action isn’t defended, and the two parties reach a settlement. In addition, it also includes representation at maintenance hearings where the other party is also represented by a legal representative.
Litigation Plan C
As the most comprehensive option, Plan C includes all of the above, and in addition also includes a Magistrates court application for rescission of judgment in these conditions:
- You have valid legal defence
- The judgment was taken against you without your prior knowledge
- You informed LIPCO within seven days of becoming aware of the judgment.
Are you feeling unsure about which legal cover to choose? Fill in our online form at the top of this page, and our advanced system will match you with the ideal insurer for your needs. The insurer will contact you with an offer – it’s as easy as that!
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