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​​Legal Costs

​​What we insure

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​​We will compensate you for legal costs that we have approved in writing, relating to:

• ​​ a civil court case by you;

• ​​ a civil court case against you;

• ​​ defending criminal charges against you.

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​​What we do not insure

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​​We do not compensate you for:

• ​​any legal action where you do not have reasonable prospects of success;

• ​​any legal action that is caused in any way by:

• ​​your job, business, profession or any other activity that you are paid

​​      for; 

• ​​owning or using a vehicle, watercraft of any type, or aircraft; 

• ​​anything you have done that is dishonest, violent or indecent; 

• ​​subsidence, which is the gradual sinking of land; 

• ​​divorce, maintenance, custody, guardianship, curatorship or any 

​​      similar proceedings;

• ​​any proceedings related to intellectual property, such as copyright,

​​      trademarks, tradenames, patents and other similar issues; 

• ​​defamation (false statements to third parties about you that harm 

​​      your reputation) or injuria, for example, an insult;

• ​​costs arising from legal actions, arbitration, inquests and statutory enquiries:

​​      between people insured under this section;

• ​​brought outside South Africa;

• ​​between you and us.

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