This could be for a number of reasons. Please remember that it is your duty as a client to ensure that your premium is paid. If you notice that your debit order did not go off, please contact our admin department to assist you.

You can change your level of cover at any time. Please send an email to our admin department, who will process your request and confirm once the change in cover has been activated.

This is your policy schedule. It contains all your personal details, as well as the details of your cover with us. This includes your premium, your maximum limit of indemnity per matter and all the beneficiaries on your policy. Please read your schedule carefully, and contact our administration department if you need to update any of the details.

Your Disclosure Notice contains all information about the entities that provide your services. This includes the details of the Administrator (Legal Guardians), the Intermediary as well as the Insurance Company that underwrites the product. It further contains details of all the compliance officers for the various entities.

The policy wording contains all the terms and conditions of your cover. It explains how to use our services, what is covered, and what is not covered by the policy.

Legal Expenses cover means that we will look after all your legal needs, in exchange for a small monthly premium. This includes legal advice, which can be provided with a simple phone call, further legal services like the drafting or checking of a contract, and should you ever be in a situation where you have to go to court, we will appoint a Lawyer to assist you at no additional cost to you. For a full list of benefits, please read your policy wording.

We have built an extensive national network of Lawyers over the last decade. These are all thoroughly vetted Lawyers, with a good track record of success. Should the need arise, we will appoint one of the Lawyers on our network to assist you with your case.

You may request the use of a specific Attorney not on our Panel, but the Attorney will have to work on our standard tariffs. If the Attorney refuses to work on our tariff, the Attorney may still be appointed, but you will be liable for any fees over and above our standard tariff.

Yes, there is a waiting period of 60 days before you qualify for the legal representation benefit, and 6 months before you qualify for the Divorce benefit. There is no waiting period for legal advice services. Legal advice services can be accessed as soon as your first premium has been paid.

Yes, you may cancel the policy within 30 days after the start date, and receive a full refund of any premiums you may have paid. This is not applicable if you have used any of our services in the first 30 days.

This is the first day your policy becomes active.