Vodacom Legal Cover

Terms And Conditions

INTRODUCTION

It's our great privilege to welcome you to the Vodacom Insurance family! Today marks the first day of your brand new carefree journey - doesn't it feel great knowing your legal worries are a thing of the past? The Vodacom Legal Cover policy is designed to help you understand your legal rights and enforce these rights with the help of Vodacom Legal Cover.

Kindly note that all policies are underwritten by Vodacom Insurance Company (RF) Limited and all legal and mediation services are managed and co-ordinated by LAW FOR ALL. You couldn't be in better hands.

Your policy gives you access to legal assistance when you need it most, and your benefits kick into gear from the moment we receive your first premium.

TERMINOLOGY

Vodacom Insurance - That's us! Vodacom Insurance Company (RF) Limited, the guys who underwrite the benefits that you'll be enjoying as a Vodacom Legal Cover Policyholder.

LAW FOR ALL - refers to LIPCO Group (Pty) Ltd (the underwriting manager).

Main Policyholder - refers to YOU! The person who signed up for this policy and who is responsible for paying the monthly premium.

Waiting Period - the time that must pass (after your Start Date) before you can start using your benefits. Any legal issue that may arise during the Waiting Period or before the Start Date of your policy, will not be covered.

SARS - refers to the South African Revenue Service.

  1. BENEFITS YOU ENJOY: Vodacom Legal Cover Essential Policy

    1. Litigation Benefit

      This benefit covers up to R90 000 of your legal expenses per year. What's more, the benefit also covers your spouse (only one), your children who are still dependent on you (under 21, not working, unmarried and permanently living with you), and any other family members that you may have added to your policy (if you've chosen the extended family plan option).

      Remember, this is all subject to the rules and regulations in paragraph 1.2, so be sure to read through your policy in great detail! You can use this benefit whenever you need a legal practitioner to represent you in the following cases:

      1. Civil Actions:

        1. Where you want to sue another person for money, goods or services based on a written agreement. Remember that we cannot cover you if you don't have a written agreement with the other party.

        2. Where you're the one being sued by another person - it doesn't matter why they're suing you, as long as it doesn't go against any of the terms and conditions in this policy.

      2. Criminal Cases and Bail Applications: where someone has accused you of committing a crime or doing something illegal. Please note: Guilty pleas are not covered.

      3. Divorce Cases: where you aren't challenged by your spouse or don't intend to defend the divorce proceedings started against you (i.e. unopposed divorces).

    2. Before we can help you or cover you for any of these cases, there are conditions that apply:

      1. Before you can make use of this benefit, you need to wait 3 months (and in case of divorce, 6 months) as a Waiting Period applies. This also means that, whatever the problem or issue was that led to the court case, it must have originated at least 3 months after your policy has started.

      2. Before we can provide cover, you must be able to prove to us that you have a good chance of winning your case. We will look at other similar cases that have taken place in South Africa, to see how successful they were. Lastly, the Vodacom Legal Cover Merits Committee will look at your case and decide whether or not it's worth going to court. If we feel that you do not stand a good enough chance of winning the case, the Merits Committee will reject your claim.

      3. Later on, in this document you'll find a list titled Your Obligations. In order to get cover or legal assistance, you must fulfil every single one of those obligations.

      4. Whatever the case may be that you need cover for, it must have happened in South Africa and you must be a South African citizen or foreign national legally residing or working in South Africa. We can also only assist you if the case is being handled by a South African Court.

      5. When it comes to divorces, you will only be able to use R10 000 (per divorce) of your policy to cover it. As we mentioned before, there's a 6-month Waiting Period - in other words, you can only be covered for a divorce if the reason for the divorce started after 6 months. We also only cover your case if you are unchallenged (in other words, your spouse isn't opposing you), undefended (you don't challenge your spouse's request for divorce), and a settlement has been signed between the two of you.

      6. We can only cover your divorce cases - in other words, only the Main Policyholder.

      7. If you get married after you've become a Vodacom Legal Cover Policyholder, your new spouse and their children will be added to your policy. Their Start Date will be the date of your marriage.

      8. Your policy does not cover any interdicts, eviction orders, sequestrations, Rule 43 applications (for instance, for maintenance or custody during a divorce case) or other self - motivated court applications.

      9. We do not cover civil matters that fall under the authority (i.e. jurisdiction) of the Small Claims Court.

      10. If you decide to add family members to your policy (with the extended family plan) they will only be covered from the moment you've paid their first premium. What's more, they will only be covered for legal matters that started after this Start Date.

      11. We cannot cover you if the case is based on any of the following:

        1. A dispute about your residence in South Africa as a foreign national or any matter related to your deportation.

        2. Where you've been a victim of defamation of character.

        3. Unlawful arrest or malicious prosecution - for instance, if you were arrested without a valid reason and you now want to sue the State or complainant.

        4. Pain and suffering - for instance if you suffered pain due to a medical Doctor's negligence.

        5. A transaction, case or issue that is business related. Remember, this policy covers your private life and excludes legal disputes resulting from any business dealings.

        6. An issue or dispute between you and Vodacom Insurance, LAW FOR ALL, any of its employees or subsidiaries.

        7. A Constitutional Court matter.

        8. Civil commotion, labour disturbances, riots, public disorder, unlawful strikes, lock-out and civil disobedience, war, invasion, acts of foreign enemies, hostilities or warlike operations, mutiny arising - in other words, if you cause problems in our beautiful country, we cannot take your side.

        9. Any case where you were accused of being under the influence of alcohol and/or drugs.

        10. A case or issue where you're allowed to pay an admission of guilt fine.

        11. A claim against the Road Accident Fund (RAF).

        12. Opposed divorces.

        13. Adoption or custody rights.

        14. Political activities in any government, local or tribunal authority that you've taken part in.

    3. Additional Benefits:

      As they say, "that's not all, folks!" The Litigation Benefit in paragraph 1.1 is fantastic on its own, but there's so much more to your policy. You will also enjoy the following benefits:

      2. Access to a Variety of Contracts: like sale and lease agreements - all set up and ready for you to use. Simply contact our Legal Call Centre to get access to our templates.

      3. Up to 35% Discount on Transfer Fees: (not transfer duty) when making use of one of our recommended Panel Attorneys (do note, however, that your discount will depend on the actual purchase price).

  2. BENEFITS YOU ENJOY: Vodacom Legal Cover Core

    1. Litigation Benefit

      This benefit covers up to R170 000 of your legal expenses per year. What's more, the benefit also covers your spouse (only one), your children who are still dependent on you (under 26, not working, unmarried and permanently living with you), and any other family members that you may have added to your policy (if you've chosen the extended family plan option).

      Remember, this is all subject to the rules and regulations in paragraph 1.2, so be sure to read through your policy in great detail! You can use this benefit whenever you need a legal practitioner to represent you in the following cases:

      1. Civil Actions:

        1. Where you want to sue another person for money, goods or services based on a written agreement. Remember that we cannot cover you if you don't have a written agreement with the other party.

        2. Where you're the one being sued by another person - it doesn't matter why they're suing you, as long as it doesn't go against any of the terms and conditions in this policy.

      2. Criminal Cases and Bail Applications: where someone has accused you of committing a crime or doing something illegal. Please note: Guilty pleas are covered, except in cases that are drug or alcohol related.

      3. Maintenance Hearings: where the other parent is represented by a legal practitioner.

      4. Divorce Cases.

    2. Before we can help you or cover you for any of these cases, there are conditions that apply:

      1. Before you can make use of this benefit, you need to wait 1 month (and in case of divorce, 3 months) as a Waiting Period applies. This also means that, whatever the problem or issue was that led to the court case, it must have originated at least 1 month after your policy has started.

      2. Before we can provide cover, you must be able to prove to us that you have a good chance of winning your case. We will look at other similar cases that have taken place in South Africa, to see how successful they were. Lastly, the Vodacom Legal Cover Merits Committee will look at your case and decide whether or not it's worth going to court. If we feel that you do not stand a good enough chance of winning the case, the Merits Committee will reject your claim. When it comes to criminal cases where you will in all likelihood be found guilty, we will cover you if you plead guilty - that's to say, if the crime was not in any way related to alcohol or drugs.

      3. Later on, in this document you'll find a list titled Your Obligations. In order to get cover or legal assistance, you must fulfil every single one of those obligations.

      4. Whatever the case may be that you need cover for, it must have happened in South Africa and you must be a South African citizen or foreign national legally residing or working in South Africa. We can also only assist you if the case is being handled by a South African Court.

      5. When it comes to divorces, you will only be able to use R10 000 (per divorce) of your policy to cover it. As we mentioned before, there's a 3-month Waiting Period - in other words, you can only be covered for a divorce if the reason for the divorce started after 3 months.

      6. In a divorce battle, if your spouse has a legal practitioner at their side (and has served you with a Notice if Intention to Defend), this policy will cover you as the Main Policyholder.

      7. If you get married after you've become a Vodacom Legal Cover Policyholder, your new spouse and their children will be added to your policy. Their Start Date will be the date of your marriage.

      8. Your policy does not cover any interdicts, eviction orders, sequestrations, Rule 43 applications (for instance, for maintenance or custody during a divorce case) or other self - motivated court applications.

      9. We do not cover civil matters that fall under the authority (i.e. jurisdiction) of the Small Claims Court.

      10. If you decide to add family members to your policy (with the extended family plan) they will only be covered from the moment you've paid their first premium. What's more, they will only be covered for legal matters that started after this Start Date.

      11. We cannot cover you if the case is based on any of the following:

        1. A dispute about your residence in South Africa as a foreign national or any matter related to your deportation.

        2. Where you've been a victim of defamation of character, and cannot prove that you good name was publically tarnished and that you suffered financial loss as a result.

        3. Unlawful arrest or malicious prosecution - for instance, if you were arrested without a valid reason and you now want to sue the State or complainant.

        4. Pain and suffering - for instance if you suffered pain due to a medical Doctor's negligence.

        5. A transaction, case or issue that is business related. Remember, this policy covers your private life and excludes legal disputes resulting from any business dealings.

        6. An issue or dispute between you and Vodacom Insurance, LAW FOR ALL, any of its employees or subsidiaries.

        7. A Constitutional Court matter.

        8. Civil commotion, labour disturbances, riots, public disorder, unlawful strikes, lock-out and civil disobedience, war, invasion, acts of foreign enemies, hostilities or warlike operations, mutiny arising - in other words, if you cause problems in our beautiful country, we cannot take your side.

        9. Any case where you were accused of being under the influence of alcohol and/or drugs.

        10. A case or issue where you're allowed to pay an admission of guilt fine - you'll have to pay the fine unfortunately.

        11. A claim against the Road Accident Fund (RAF).

        12. Adoption or custody rights.

        13. Political activities in any government, local or tribunal authority that you've taken part in.

    3. Additional Benefits:

      As they say, "that's not all, folks!" The Litigation Benefit in paragraph 1.1 is fantastic on its own, but there's so much more to your policy. You will also enjoy the following benefits:

      2. Access to a Variety of Contracts: like sale and lease agreements - all set up and ready for you to use. Simply contact our Legal Call Centre to get access to our templates.

      3. Up to 50% Discount on Transfer Fees: (not transfer duty) when making use of one of our recommended Panel Attorneys (do note, however, that your discount will depend on the actual purchase price).

      4. One Free Prenuptial Agreement: just remember that this benefit is only available after a 3-month Waiting Period to the Main Policyholder.

      5. Payment of up to R5000 Bail: per policy per year, where the bail application was covered and the bail set an amount no more than R5000 (i.e. no pro rata bail cover where the amount is more than R5000). This amount will be paid to the court, provided that a Vodacom Legal Cover approved Panel Attorney has been instructed to assist with the bail hearing.

      6. Rescission of a Magistrate Court Judgement: provided that the judgement was obtained after the start of your policy. You will need to prove that you have a valid defence or that you have settled the judgement debt in full and that the creditor has agreed to rescission. Kindly note that rescissions based on a creditor's consent are limited to 2 applications per policy per year.

      7. Tax advice: have a look at Annexure A for more details.

        Please Note: Any legal matter that is not specifically provided for under BENEFITS YOU ENJOY, will not be covered by your policy. So, before you lodge a claim, please make sure that the legal matter is specifically mentioned in this document.

  3. BENEFITS YOU ENJOY : Vodacom Legal Cover Plus Policy

    1. Litigation Benefit

      This benefit covers up to R230 000 of your legal expenses per year. What's more, the benefit also covers your spouse (only one), your children who are still dependent on you (under 28, not working, unmarried and permanently living with you), and any other family members that you may have added to your policy (if you've chosen the extended family plan option).

      Remember, this is all subject to the rules and regulations in paragraph 1.2, so be sure to read through your policy in great detail! You can use this benefit whenever you need a legal practitioner to represent you in the following cases:

      1. Civil Actions:

        1. Where you want to sue another person for money, goods or services based on a written agreement. Remember that we cannot cover you if you don't have a written agreement with the other party.

        2. Where you're the one being sued by another person - it doesn't matter why they're suing you, as long as it doesn't go against any of the terms and conditions in this policy.

      2. Criminal Cases and Bail Applications: where someone has accused you of committing a crime or doing something illegal. Please note: Guilty pleas are covered, except in cases that are drug or alcohol related.

      3. Maintenance Hearings: where the other parent is represented by a legal practitioner.

      4. Divorce Cases.

      5. Representation in Domestic Violence Cases.

    2. Before we can help you or cover you for any of these cases, there are conditions that apply:

      1. You can make use of this benefit, if the cause of your legal problem originated after the Start Date of your policy. However, a 3-month Waiting Period applies to divorces. This means that whatever the problem or issue was that led to the divorce, must have originated at least 3 months after your policy started.

      2. Before we can provide cover, you must be able to prove to us that you have a good chance of winning your case. We will look at other similar cases that have taken place in South Africa, to see how successful they were. Lastly, the LAW FOR ALL Merits Committee will look at your case and decide whether or not it's worth going to court. If we feel that you do not stand a good enough chance of winning the case, the Merits Committee will reject your claim. When it comes to criminal cases where you will in all likelihood be found guilty, we will cover you if you plead guilty - that's to say, if the crime was not in any way related to alcohol or drugs.

      3. Later on, in this document you'll find a list titled Your Obligations. In order to get cover or legal assistance, you must fulfil every single one of those obligations.

      4. Whatever the case may be that you need cover for, it must have happened in South Africa and you must be a South African citizen or foreign national legally residing or working in South Africa. We can also only assist you if the case is being handled by a South African Court.

      5. When it comes to divorces, you will only be able to use R20 000 (per divorce) of your policy to cover it. As we mentioned before, there's a 3-month Waiting Period - in other words, you can only be covered for a divorce if the reason for the divorce started after 3 months.

      6. In a divorce battle, if your spouse has a legal practitioner at their side (and has served you with a Notice if Intention to Defend), this policy will cover you as the Main Policyholder.

      7. If you get married after you've become a Vodacom Legal Cover Policyholder, your new spouse and their children will be added to your policy. Their Start Date will be the date of your marriage.

      8. Your policy does not cover any interdicts, eviction orders, sequestrations, Rule 43 applications (for instance, for maintenance or custody during a divorce case) or other self - motivated court applications.

      9. We do not cover civil matters that fall under the authority (i.e. jurisdiction) of the Small Claims Court.

      10. If you decide to add family members to your policy (with the extended family plan) they will only be covered from the moment you've paid their first premium. What's more, they will only be covered for legal matters that started after this Start Date.

      11. We cannot cover you if the case is based on any of the following:

        1. A dispute about your residence in South Africa as a foreign national or any matter related to your deportation.

        2. Where you've been a victim of defamation of character, and cannot prove that you good name was publically tarnished and that you suffered financial loss as a result.

        3. Unlawful arrest or malicious prosecution - for instance, if you were arrested without a valid reason and you now want to sue the State or complainant.

        4. Pain and suffering - for instance if you suffered pain due to a medical Doctor's negligence.

        5. A transaction, case or issue that is business related. Remember, this policy covers your private life and excludes legal disputes resulting from any business dealings.

        6. An issue or dispute between you and Vodacom Insurance, LAW FOR ALL, any of its employees or subsidiaries.

        7. A Constitutional Court matter.

        8. Civil commotion, labour disturbances, riots, public disorder, unlawful strikes, lock-out and civil disobedience, war, invasion, acts of foreign enemies, hostilities or warlike operations, mutiny arising - in other words, if you cause problems in our beautiful country, we cannot take your side.

        9. Any case where you were accused of being under the influence of alcohol and/or drugs.

        10. A case or issue where you're allowed to pay an admission of guilt fine - you'll have to pay the fine unfortunately.

        11. A claim against the Road Accident Fund (RAF).

        12. Adoption or custody rights.

        13. Political activities in any government, local or tribunal authority that you've taken part in.

    3. Additional Benefits:

      As they say, "that's not all, folks!" The Litigation Benefit in paragraph 1.1 is fantastic on its own, but there's so much more to your policy. You will also enjoy the following benefits:

      2. Access to a Variety of Contracts: like sale and lease agreements - all set up and ready for you to use. Simply contact our Legal Call Centre to get access to our templates.

      3. Up to 60% Discount on Transfer Fees: (not transfer duty) when making use of one of our recommended Panel Attorneys (do note, however, that your discount will depend on the actual purchase price).

      4. One Free Prenuptial Agreement: just remember that this benefit is only available after a 3-month Waiting Period to the Main Policyholder.

      5. Payment of up to R10000 Bail: per policy per year, where the bail application was covered and the bail set an amount no more than R10000 (i.e. no pro rata bail cover where the amount is more than R10000). This amount will be paid to the court, provided that a LAW FOR ALL approved Panel Attorney has been instructed to assist with the bail hearing.

      6. Rescission of a Magistrate Court Judgement: provided that the judgement was obtained after the start of your policy. You will need to prove that you have a valid defence or that you have settled the judgement debt in full and that the creditor has agreed to rescission. Kindly note that rescissions based on a creditor's consent are limited to 2 applications per policy per year.

      7. Estate Assistance &Tax Advice: - have a look at Annexure A and Annexure B for more details.

      8. Retrenchment Benefit: If you are retrenched, we will provide you with FREE cover for advice and mediation for up to 12 months after you've been retrenched. You must let us now the moment you become employed again.

        Please Note: Any legal matter that is not specifically provided for under BENEFITS YOU ENJOY, will not be covered by your policy. So, before you lodge a claim, please make sure that the legal matter is specifically mentioned in this document.

  4. YOUR OBLIGATIONS

    1. Don't delay - when you become aware of a legal issue that you need help or cover for, make sure you report it to Vodacom Legal Cover within 31 days!

    2. When you want to report a new case, use the contact details on your Client Card to get in touch with us and make sure that you have your policy or ID number on hand.

    3. If you feel that you were denied cover without good reason, or if you disagree with the way we handled your case, don't just leave it there! Please put your reasons in writing and send it to the person whose details appear on the rejection letter.

    4. Before you claim from your Litigation Benefit, you must first claim from any other insurance you might have - for example, if you were in a car accident, first use your car insurance to repair your car.

    5. We can't help you if we don't have enough insight into your case. It's your responsibility to pay for and provide us with all the necessary documents, reports, statements and other evidence that we might need. If you drop the ball and don't send us these documents, we may reject your claim - so please get your matters in order.

    6. When it comes to vehicle finance agreements, we can only cover you if you obeyed all terms and conditions. Always make sure that you stick to the rules of the agreement and that your car is only driven by licensed drivers.

    7. Whenever you send us information, triple check that it's 100% accurate, and don't keep any important information from us. If you are not honest with us, you can lose your cover entirely and you'll have to foot the bill for all legal fees.

    8. If ever you need to use a lawyer who's not part of our team, we ask that you chat to us and get our written approval first. If you don't, you'll have to pay all the legal fees and we won't be able to refund you for it.

    9. If you decide not to make use of Vodacom Legal Cover's lawyers to represent you in court, we may only pay your lawyer up to the Vodacom Legal Cover tariffs. Any extra costs will have to come out of your own pocket.

    10. Let's talk about the Mediation Benefit - here you're only allowed to make use of the mediators appointed by Vodacom Legal Cover. If you decided to use another mediator who was not approved and appointed by Vodacom Legal Cover (in writing), your policy won't cover it.

    11. If you want to cancel your policy, we'll be sad, but we won't stand in your way. We only ask that you give us 31 days' notice (in writing, of course).

    12. Should you need to call on any expert witnesses to testify on your behalf, you will have to pay their fees.

  5. PAYMENTS

    Your premium must always be paid on a monthly basis, for the month ahead (in advance). This means that you will then be covered until the next month, when your next payment is due. We understand that some months aren't easy, that's why we allow a grace period of 31 days (after the due date) for you to pay your premium. Unfortunately, if we still haven't received your payment by the end of the 31 days, your cover will be stopped. But all is not lost! You can start paying your premium again at any time, but please note that a reinstatement fee will be charged and your policy will have a new Start Date and Waiting Period.

    Keep in Mind: Your monthly premium is subject to annual review. That means why may adjust your premium due to external factors (such as inflation, increases in legal fees or operational expenses). Please don't worry! If you won't be able to afford the new premium, let us know and our Sales Agents will get in touch about more affordable options.

  6. AMENDMENTS

    If, for whatever reason, we decide to change or cancel your policy, we will give you 31 days' notice. Keep an eye on your inbox, cell phone or post box, because we'll be sending you notifications vial email, SMS or by post! If we feel that you are misusing your benefits or playing fair, we have the right to add extra terms and conditions to your policy. As long as you keep to the rules, we'll go the extra mile for you - simple as that!

USE YOUR BENEFITS

Simply call 082 178 00 or email your problem to [email protected].

Are you happy with our service? Or perhaps feel we can improve? We'd love to hear from you. Contact our Client Service Team on 082 178 00 or send an email to [email protected].

DISCLOSURE NOTICE

IMPORTANT INFORMATION. PLEASE READ CAREFULLY

Know your rights! As a short-term insurance Policyholder, you have the right to receive the following important information - don't forget to keep it in a safe place!

(This notice does not form part of your insurance contract)

ABOUT YOUR INSURER

VODACOM INSURANCE COMPANY (RF) LIMITED is a registered short-term insurer

Address:

Vodacom Corporate Park
082 Vodacom Boulevard
Midrand
1685

Tel: 082 178 00
Email: [email protected]

ABOUT YOUR FINANCIAL SERVICES PROVIDER & ADMINISTRATOR

LIPCO BUSINESS (PTY) LTD is an authorised Financial Services Provider (FSP 43170)

Address:

Blaauwberg Mall, 3 Blaauwberg Road,
Table View, 7443
Postal Address:
PO BOX 11330,
Bloubergrant, 7443

Email: [email protected]
Tel: (021) 522 6400 | Fax: (021) 556 1230

COMPLAINTS

If you feel that you weren't given good advice or the right product information, please let us know! Simply contact the Customer Care Centre on 086 110 2251 or [email protected]

Compliance department

Name: Comply Sure
Tel: (028) 316 4286
Email: [email protected]

The Intermediary is an authorised Financial Services Provider in terms of the FAIS Act and may provide advice relating to short-term insurance products under license 43170.

Exemptions and Restrictions: None

Please note that the Intermediary has no direct or indirect financial interest in the Insurer.

ABOUT THE SERVICE

If you originally signed up through a telemarketer, you can go back to About Your financial services provider and administrator to find the details. Always remember that you are allowed to ask for the recordings of your telephone conversation with the telemarketer at any time, if you need it for any reason.

Nature & Extent of Benefits: please refer to the policy document

Premium payment obligations, manner: please refer to the policy document.

Details of special conditions, and frequency, consequences of exclusions, excesses or restrictions: please refer to the policy document.

OTHER MATTERS OF IMPORTANCE

If you have any complaints or questions about a document, form, product or your policy, please put your complaint in writing and send it to the Underwriting Manager's Complaints Department (see above). If you aren't entirely satisfied with how your issue has been resolved, you can send your complaint to the Ombudsman for Short-term Insurance, or the FAIS ombud. You don't have to take a polygraph or lie detector test in the event of a claim, and even if you failed the test, it might not necessarily be the reason why we reject your claim.

REMEMBER: Your Insurer is not allowed to cancel or stop your insurance just by informing your Intermediary. By law, your Insurer must make sure that you have been notified as well. Always remember that you are allowed to ask for a copy of your policy at any time - free of charge.

WARNING (NOT TO SCARE YOU BUT JUST FOR YOUR SAFETEY)

  • All material facts must be accurately, fully and properly disclosed to you - in other words, your Insurer must tell you everything.

  • All information that you provide or that someone else provides on your behalf must be correct - it's your responsibility to double-check it.

  • Always make sure that you are satisfied with the transaction if it's submitted on your behalf (by the Intermediary) - make sure everything is correct and accurate.

  • Do not sign any blank or semi-completed application form.

  • Use an ink pen to complete all forms so that no one can change it without your knowledge.

  • Keep all documents that you might receive in a safe place.

  • Make notes whenever someone says something important to you or a discussion takes place.

  • Don't EVER feel pressurised to buy the product! No matter what the other person says, it's optional.

  • Always remember - if you're dishonest, it will affect your insurance. Misrepresentation, incorrect or non-disclosure by you of any facts or circumstances may impact your claims.

PARTICULARS OF SHORT-TERM INSURANCE OMBUDSMAN

The ombudsman is available to advise you in the event of claim problems which are not satisfactorily resolved by your financial services provider and/or the insurer.

Postal Address:

1 Sturdee Avenue Cnr Bolton and Baker roads First Floor, Block B, Rosebank

Contact Details:

Tel: (011) 726 8900 | Fax: (011) 726 5501 | Email: [email protected]

PARTICULARS OF THE FINANCIAL ADVISORY & INTERMEDIARY SERVICES OMBUD

When it comes to complaints (related to the FAIS Act), the Ombudsman is always available if you need any advice - especially if you're not happy with the way the complaint has been resolved.

Postal Address:

PO Box 74571, Lynwood Ridge, 0040

Contact Details:

Tel: (+27) 860 324 766 or (012) 470 9080 | Fax: (012) 348 3447 | Email: [email protected]

[email protected]