Membership & Cover
14 frequently asked questions about membership & cover
A Stokvel has no legal personality separate from its Members, hence, Stokvel disputes are not covered as we will not cover a claim to sue yourself.
You may instruct a Lawyer of your choice. The Lawyer must submit a claim to LegalWise for assessment. Should cover be provided, we will only be liable for the Lawyers fees as per the LegalWise Membership conditions and tariffs.
LegalWise does not cover class actions. Refer to Section 6(10) of the LegalWise Membership Agreement.
No, this exclusion applies to both Paralegal services and Insurance Cover.
Children between the ages of 18 and 21, who are financially dependent on the Member and are full time students, are covered by the Membership. If the child who is mentally ill is not a full time student and is above 18, such a child will not be covered by the policy. In such instances, we recommend either a stand-alone Membership for the child or adding the child as an insured individual on the Extended Family Protection Benefit on the main Member's Membership.
LegalWise provides Paralegal services on debt matters in our Service Centres, over the phone, via video consultation, e-mail or WhatsApp. This assistance includes liasing with third parties or creditors to obtain the amount outstanding or details of how the amounts outstanding have been calculated, drafting letters or emails indicating the grounds on which the debt is disputed, alternatively negotiating payment arrangements with creditors where a debt is not in dispute. We also assist in obtaining consents to judgment where a debt is fully paid up provided the creditor consents. We offer advice relating to debt counselling and over-indebtedness.
You can download the LegalWise App from the App Store or Google Play Store. Register and access the app from either one of the app stores, or visit a Branch where you can be provided with access. You may contact LegalWise telephonically or via e-mail, WhatsApp, or online and request that a copy of the Schedule of Insurance be sent to you by post.
This refers to the in-house legal assistance offered to you in an attempt to prevent the need for litigation. Through this service many disputes, potential disputes and court cases are avoided. It is important to note that in some cases, legal action is inevitable.
The inception date is the date when we receive the first premium from the Member. It is also the start of the 3-month Waiting Period.
The Member will have 90 days from the date of the Repudiation to advise us in writing that they object and do not agree with the repudiation. If the repudiation is based on non-payment of premiums, then our decision will be final. If the repudiation is based on any other reason, then LegalWise will send the objection to an Independent External Referee to review the repudiation and make a recommendation. Should the Member still not agree with our repudiation then the Member has 365 days to institute action against LegalWise at their own cost. The Member is also entitled to lodge a complaint with the Short-Term Insurance Ombudsman.
The LegalWise Membership Agreement is a short term insurance product and, as such, is a monthly agreement between the two parties for which a monthly premium is payable. In terms of the Schedule of Insurance, LegalWise will be lenient in terms of arrears, and can collect up to 2 unpaid premiums before the Membership will lapse, giving you latitude for 2 months.
An insured individual on the Extended Family Protection Benefit may utilise the same Network Lawyer as the main Member.
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