Legal Costs

Definitions

Cost refers to the legal costs which I am responsible for by law.

Policy Benefits

iWYZE will compensate me up to a fixed limit for any legal costs resulting from any civil action brought by or against me, or my defence against any criminal charges brought against me.

Exclusions

• Prospects of Success - If costs are incurred for legal action and the prospects of success are not reasonable.
• Employment - The legal action arises out of my employment, business, profession, occupation or any activity for reward.
• Ownership of Vehicles - The legal action arises out of the ownership or use of any motor vehicle, trailer, watercraft, caravan or aircraft. Such costs have to be covered under an iWYZE Vehicle policy.
• Dishonesty - The legal action arises out of dishonesty, violence or indecency on my part.
• Subsidence Dispute - The legal action arises out of a dispute regarding subsidence of land.
• Divorce - The legal action arises out of divorce, custody, maintenance, guardianship or similar proceedings.
• Copyrights - The legal action arises out of patents, copyrights, trademarks or tradenames, or other similar rights.
• Defamation - The legal action arises out of defamation, insult to dignity and reputation of a person.
• Same Policy - Any costs arising from legal actions between two or more people insured under the same iWYZE policy.
• Foreign Countries - Costs arising from legal actions happening outside of the Republic of South Africa.
• iWYZE - Costs arising from legal actions between myself and iWYZE.
• Approval outstanding - Legal costs incurred without the approval of iWYZE.

Please note: This product summary is not intended to be a legal contract. It does not replace or in any way alter the content of the actual policy documents that are issued to clients of iWYZE.

iWYZE is underwritten by Mutual & Federal Insurance Company Limited, a member of the Old Mutual Group. Mutual & Federal and Old Mutual are Licensed Financial Services Providers.