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Vodasure Legal Plus Policy - Terms & Conditions

    The following words/phrases will, for the purpose of this policy, have the following meanings:

    1. VODACOM: Vodacom Insurance Company Ltd (RF), which is the Insurer underwriting this product.

    2. LAW FOR ALL: LIPCO Group (Pty) Ltd, which is the underwriting manager and legal services administrator.

    3. Policyholder: The person who signed up for the policy (also referred to as the "Main Policyholder"), their legitimate spouse (formal proof of marriage required), dependent biological/ step/adopted children (formal proof of age and relationship required) up to the age of 23 years, who are studying, unemployed, unmarried and financially dependent on the Main Policyholder. Policyholders will be limited to South African citizens and foreign nationals legally living and/or working in South Africa. In this policy "you/your" refers to the Policyholder.

    4. Policy Start Date: The date we received your first monthly premium.

    5. Prospect of Success: A good chance of winning a case, based on: (i) other similar cases that have taken place in South Africa; and (ii) an assessment of the merits of your case by LAW FOR ALL's Merits Committee and/or any legal practitioner appointed by LAW FOR ALL to provide a professional opinion about your chances to succeed with your claim or defence. Failure to provide LAW FOR ALL with sufficient evidence that you have good merits to be successful will mean that your matter lacks the prospect of success and your claim will be rejected.

    6. Waiting Period: The time that must pass after your Policy Start Date to enjoy a specific benefit (where a Waiting Period applies). For any person who became a Policyholder after the Main Policyholder's original Start Date (e.g. new spouses and  adopted/stepchildren), the waiting period will begin on the date when such a person becomes a Policyholder under this policy.



    1. Don't delay - when you become aware of a legal issue for which you need help or cover, make sure that you report it to LAW FOR ALL within 31 (thirty-one) days!

    2. When you want to report a new case, use the contact details on your client card to contact 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, do not just leave it there! Please put your reasons in writing and send it to the person whose details appear on the rejection letter. If you want to take legal action against LAW FOR ALL or the Insurer regarding a rejected claim or for any other reason based on this policy, you must do so within 180 (one hundred and eighty) days of the dispute. If not, we will not entertain your matter.

    4. We cannot 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 don't send us these documents, we will reject your claim.

    5. 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.

    6. Whenever you send us information, triple check that it's 100% correct, and don't keep any important relevant 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.

    7. If ever you need to use a lawyer who's not part of our team, please talk 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 liable to refund you for it.

    8. If you decide not to make use of LAW FOR ALL's lawyers to represent you in court, we will only pay your lawyer up to the LAW FOR ALL tariffs. Any extra costs will have to come out of your own pocket.

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

    10. 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 (thirty-one) days' notice (in writing, of course).

    11. You must attend all court dates. If you do not appear in court without a valid reason, and we lose any bail money paid, you will have to pay the money back to LAW FOR ALL.


    1. You must pay your full premium every month in advance on the date you agreed to when you are signed up for the policy.

    2. Cover under this policy will only be available if your monthly premium payments are up to date.

    3. Should you not pay your first premium, your policy will not incept. We will contact you for your consent that we may try and re-debit your account for the outstanding amount. Should we be unable to get your consent, we shall consider your policy as "not taken up."

    4. The period of insurance is each period of 1 (one) calendar month for which a premium has been received. Your policy is therefore renewed on a month-to-month basis on receipt of the premium for that specific month.

    5. Subject to the grace period below, any claim under your policy will be rejected if premiums are unpaid.

    6. From the second month of cover, we will allow you a period of 31 (thirty-one) days from the premium due date within which to pay your premium (the "grace period") should you have missed a payment. Any payment received within the grace period will cover your outstanding premium for that month.

    7. If you pay by debit order and a month's premium is missed, we will double debit the following month. Should we fail to collect a double premium, the policy will automatically be cancelled.

    8. If you pay by salary stop order and your premium payment fails, do not make any electronic funds transfers (EFTs) into our bank account. We will contact you to make the necessary arrangements to bring your policy up to date.

    9. If you have not paid your outstanding premium by the end of the grace period, and miss a further monthly premium, your policy will automatically cancel at midnight on the day such premium was originally due.

    10. If you have a claim during the grace period, we will consider the claim only once we have received the outstanding premium.

    11.  If you wish to dispute the cancellation of your policy, you should inform us immediately by calling our Client Care Department on 082 135 for resolution.

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


    If for whatever reason, we decide to change or cancel your policy, we will give you 31 (thirty-one) days' notice. Keep an eye on your inbox, cell phone or post box, because we'll be sending you notifications via email, SMS or by post. If we feel that you are misusing your benefits or not 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!


    We will never request or encourage you to waive any of your rights or benefits in terms of the Financial Advisory and Intermediary Services Act 37 of 2002, General Code of Conduct for Authorised Financial Service Providers and Representatives, and FAIS Code of Conduct. We will not recognise, accept or act on any waiver by you and it will be considered null and void.


    All policies issued for a period exceeding 31 (thirty-one) days are subject to a cooling-off period. You have 14 days from receiving a new policy contract, or any variation/amendment to your existing policy contract, to cancel the policy entered into or the variation made to an existing policy. On cancellation, if no claims or benefits have been paid by the Insurer, all premiums collected for the new policy or the additional premium charged for the variation, will be refunded.


    We (LIPCO Group and Vodacom Insurance Company) must comply with national and international laws, regulations, policies, rules and requirements to prevent criminal activities, money laundering and terrorist financing, sanctions and prohibited business activity laws and rules violations. We must therefore check all information from and about you and related parties and monitor, verify, process and screen your and related party information, instructions and transactions on an ongoing basis. We hold the right to cancel your policy as noted in the applicable regulations. We are not responsible for any losses or damages that you may suffer because of these checks or by ending the relationship. This includes any loss of profits or savings that you would otherwise have expected to make.


    1. We are committed to maintaining the privacy and security of customers' personal data collected by us, whether in hard copy or electronic form.

    2. Personal data is defined as information that allows us to identify you as a natural person or, where applicable, as a corporate entity (such as a company or trust). We collect this data to assess your application and, if successful, provide you with the products and/or services as described in this policy.

    3. Unless otherwise specified, you need to provide all of the personal data requested in the application. Should you not provide us with the required information, we have the right to cancel your policy as noted in the applicable regulations.

    4. We may carry out further processing on your personal data for historical, research and statistical purposes or to comply with our legal obligations. We will not engage you in any electronic direct marketing (excluding telemarketing), unless you have given us the relevant consent.

    5. We may also use your personal data for carrying out automated decisions that may impact you. If you are unhappy about the outcome of the decision, please contact us.

    6. Where necessary, we may share your personal data within third-party service providers that process your personal data in conjunction with us or on our behalf. These third-party providers, whether local or trans-border, are contractually obligated to process your personal data in line with our privacy and security policies. Our third parties may be located within your country of residence or in another country. When appropriate, we may also share your personal data with regulators or other crime-fighting agencies.

    7. We will keep your personal data only for as long as we have to in terms of applicable laws and regulations. After this time, your personal data will be securely destroyed or de-identified.

    8. We will not share any of your personal details with any external companies or service providers unless so required by law or for the purposes of your insurance policy.

    9. If you have a complaint relating to the protection of your personal information, including the way in which we collected or processed it, please contact us. If you believe that your complaint was not dealt with satisfactorily, you may lodge a complaint with your local privacy regulator.


    Simply call 08217800 or email your legal problem to [email protected]. For after-hour legal emergencies, such as bail applications, call 076 060 6174.

    Benefit Summary, Subject to Policy Terms & Conditions

    Benefit Waiting Period

    Most Relevant Exclusions/Limitations

    (provided that premiums are up to date, within the borders of South Africa and all the documents received)

    Monetary Cover
    Instituting Action based on Written Agreements 1 Month Not Applicable
    Instituting Action based on Defamation 1 Month Prospect of Success; Not in writing; Not made public; No monetary losses; Pre-existing Matters Part of annual cover
    Instituting Action based on Delict 1 Month Part of annual cover
    Defending Civil and Delictual Claims 1 Month Part of annual cover
    Bail Application 1 Month Pre-existing Matters Part of annual cover
    Criminal Matters 1 Month Prospect of Success; Pre-existing Matters; Alcohol related Part of annual cover
    Labour Matters 1 Month Prospect of Success; Pre-existing Matters; Not a dismissible offence Part of annual cover
    Maintenance Matters 1 Month Prospect of Success; Pre-existing Matters; Other party not represented Part of annual cover
    Guilty Plea 1 Month Prospect of Success; Pre-existing Matters; Alcohol related Part of annual cover
    Divorce Matters 3 Months Prospect of Success; Pre-existing Matters R10 000
    Prenuptial Benefit 3 Months For Main Policyholder only; Pre-existing Matters; One per year Part of annual cover
    Bail Money Benefit 1 Month Bail application must have been covered; No pro rata if above R10 000. R5 000
    Rescission Benefit 1 Month Judgment prior to Policy Start Date excluded; Prospect of Success Part of annual cover
    Additional LAW FOR ALL Benefits
    Mediation Benefit None Unlimited
    Emergency Line Benefit None Non-emergencies; Business-related Matters Unlimited
    Contract Assist Benefit None

    Non-standard Agreements

    Wills Assist Benefit None

    Complicated wills; Trusts

    Property Transfer Benefit None Transfer duty; Amount exceeding applicable discount Not Applicable