Our Super Powered Legal Insurance Product

*Save-the-Day Note: there is no premium increase for the next 24 months as at 1 July 2018

 

  1. 24/7 Arrest Line

    Your hero understands that legal emergencies are not confined to office hours. Legal Hero Members may call us on 010 001 1001 night or day and select option 2. It is important that you provide us with the following information: Contact Number (in case your airtime runs out), Membership Number or ID number (so we may locate you on our system), Relevant SAPS Station, Time of Arrest, Charges, Previous Convictions and Next of Kin’s Details (spouse/ relative who we can keep up to date). 

  2. R200 000 Court Cover Per Year

    Upon becoming a valued Legal Hero Policyholder, you may register a new legal case by calling 010 001 1001 and asking to speak to a Lawyer to open your new case.

    Your Lawyer will advise you on the next steps forward. This may include the sending of documents to support your claim. Please include your ID/ Policy Number on all documents sent to legal@legalhero.co.za or via fax to 086 551 2705.

    Step 1: first your Lawyer will start with Advice;

    Step 2:  Out of Court Negotiations (calls to third parties by your Lawyer, sending of Letters of Demand, drafting of contracts). This saves you time as our Courts are experiencing heavy delays;

    Step 3: In-Court/ Litigation Cover of up to R200 000 per year. The matter is sent to our Merit Assessors to approve or decline your claim based on the policy wording, up to date payments, date your problem arose, chances of success in Court, etc. Kindly refer to your Policy Wording for the terms and conditions. All Legal Hero Documents available for download may be found at the bottom of this Home Page. Kindly click on ‘Download Legal Hero documents’ listed under the ‘I WANT TO’ section. 

  3. Family Protection Plan

    Life is unpredictable. Rest assured that, should you pass on and leave loved ones behind, your registered Spouse and Dependents will receive Legal Advice and Out of Court Negotiation assistance for a period of 12 months without paying a premium. Why? Because we care.  

  4. Claim-free Cashback

    What a super-thought it is to know that you will either receive legal assistance from a company that thinks highly of you OR receive a  Claim-free Cashback every 5 years. You have nothing to lose and either way is a win. Please note that the Claim-free Cashback is not optional and is included in the R249 Legal Hero Black policy and benefits. The Claim-free Cashback is not free as the potential payout of the Claim-free Cashback was taken into account whilst determining the total monthly premium. The cost it has on the premium is however minimal, less than R10 during a five-year period. 

    Save the day note: the availability or extent of this Claim-free Cashback/ no-claims bonus depends on whether or not you claim in terms of your policy. A claim = a request for Legal Advice, Out of Court Negotiations, Contracts and Litigation/ in-Court Assistance, within your control or not, will result in your 5 year claim-free period running afresh as from the date your legal file is closed. The Claim-free Cashback totals R1500. Click here to download the Claim-free Cashback Application Form.

  5. Policy Wording

    You may cancel within 30 days after joining and receive a full premium refund should you be unsatisfied with the contents of this document. Click here to download your Policy Wording.

  6. List of Exclusions

    For a detailed list of In Court/ Litigation exclusions, please refer to section 4 on page 8 of your Policy Wording.

    Note that these exclusions do not necessarily mean that we cannot assist in terms of the Legal Advice, Out of Court Negotiation or Discounted Referral Benefit.

    • Removal of Debt Review where there is a court order and the Debt Counsellor followed all the rules
    • Instituting Evictions, Interdicts or Sequestrations against someone else
    • When the problem happened before you became a policyholder
    • When the waiting period has not lapsed as yet
    • When you incurred private legal fees by using your own attorney not appointed by Legal Hero in writing
    • Business Matters (this does not mean Labour cases)
    • Setting up a Trust
    • Clams for non-monetary loss such as defamation where no monetary loss can be proved
    • Litigation claims based on an oral agreement
    • Tax related matters
    • When you did not inform us of your legal problem within 30 days of having the problem
    • Please refer to your Policy Wording for the rest
  7. Uncontested Divorce and Contested Divorce

    An Uncontested Divorce refers to where the spouses can agree on the consequences of the divorce and can set them out in a settlement agreement for a quicker uncontested/ unopposed divorce.

    A Contested Divorce refers to where the spouses are unable to agree on the consequences of the divorce and need to battle it out in court. This divorce takes longer to finalize.

  8. More Benefits

    R5000 Bail Money, R20 000 Accidental Death, and more.

    Terms and conditions apply. All Legal Hero Documents available for download may be found at the bottom of this Home Page. Kindly click on ‘Download Legal Hero documents’ listed under the ‘I WANT TO’ section.

  1. 24/7 Arrest Line

    Your hero understands that legal emergencies are not confined to office hours. Legal Hero Members may call us on 010 001 1001 night or day and select option 2. It is important that you provide us with the following information: Contact Number (in case your airtime runs out), Membership Number or ID number (so we may locate you on our system), Relevant SAPS Station, Time of Arrest, Charges, Previous Convictions and Next of Kin’s Details (spouse/ relative who we can keep up to date). 

  2. R100 000 Court Cover Per Year

    Upon becoming a valued Legal Hero Policyholder, you may register a new legal case by calling 010 001 1001 and asking to speak to a Lawyer to open your new case.

    Your Lawyer will advise you on the next steps forward. This may include the sending of documents to support your claim. Please include your ID/ Policy Number on all documents sent to legal@legalhero.co.za or via fax to 086 551 2705.

    Step 1: first your Lawyer will start with Advice;

    Step 2:  Out of Court Negotiations (calls to third parties by your Lawyer, sending of Letters of Demand, drafting of contracts). This saves you time as our Courts are experiencing heavy delays;

    Step 3: In-Court/ Litigation Cover of up to R100 000 per year. The matter is sent to our Merit Assessors to approve or decline your claim based on the policy wording, up to date payments, date your problem arose, chances of success in Court, etc. Kindly refer to your Policy Wording for the terms and conditions.

  3. Claim-free Cashback

    What a super-thought it is to know that you will either receive legal assistance from a company that thinks highly of you OR receive a  Claim-free Cashback every 5 years. You have nothing to lose and either way is a win. Please note that the Claim-free Cashback is not optional and is included in the R99 Legal Hero Gold policy and benefits. The Claim-free Cashback is not free as the potential payout of the Claim-free Cashback was taken into account whilst determining the total monthly premium. The cost it has on the premium is however minimal, less than R10 during a five-year period. Click here to download the Claim-free Cashback Application Form.

  4. Policy Wording

    You may cancel within 30 days after joining and receive a full premium refund should you be unsatisfied with the contents of this document. Click here to download your Policy Wording.

  5. List of Exclusions

    For a detailed list of In Court/ Litigation exclusions, please refer to section 4 on page 8 of your Policy Wording.

    Note that these exclusions do not necessarily mean that we cannot assist in terms of the Legal Advice, Out of Court Negotiation or Discounted Referral Benefit.

    • Removal of Debt Review where there is a court order and the Debt Counsellor followed all the rules
    • Instituting Evictions, Interdicts or Sequestrations against someone else
    • When the problem happened before you became a policyholder
    • When the waiting period has not lapsed as yet
    • When you incurred private legal fees by using your own attorney not appointed by Legal Hero in writing
    • Business Matters (this does not mean Labour cases)
    • Setting up a Trust
    • Clams for non-monetary loss such as defamation where no monetary loss can be proved
    • Litigation claims based on an oral agreement
    • Tax related matters
    • When you did not inform us of your legal problem within 30 days of having the problem
    • Please refer to your Policy Wording for the rest
  6. Uncontested Divorce

    An Uncontested Divorce refers to where the spouses can agree on the consequences of the divorce and can set them out in a settlement agreement for a quicker uncontested/ unopposed divorce.

  7. More Benefits

    R1000 Bail Money, and more.

MARVEL AT OUR RANGE OF OTHER HERO PRODUCTS