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On New Product Features

1Do I have the option to add new product add-ons (such as Code Green and cover for Police and Disciplinary Boards) to my old Legal Guard policy?

No. New product add-ons are only available for the following Legal Guard policies: 1. Tshireletso Premier 2. Moemedi Guard 3. Prestige Guard 4. Prestige Guard Plus

On Policy Switching form Old to New Policy

1After switching to a new policy will I have to wait 3 months before I can lodge a claim?

No. Yours will not be treated as a new policy.
Clients who switch will not be subject to any waiting periods and other restrictions which will apply to a person buying a Legal Guard policy for the first time.

2If I previously had a Legal Guard Policy which was cancelled (voluntarily or otherwise), will I be treated as a new client?

One can only switch from old to new policy if their policy is active. Anyone who does not have an active policy as the time when they purchase a new policy will be treated as a new customer and subject to the waiting periods etc.

3What will happen to my accrued cashback if I switch policies from my old policy to a new one?

Your cashback accrued balance will be carried forward to the new policy and will be added to the cashback that will continue to accrue on the new policy.

On Code Green

1Can I use the Code Green emergency button to seek Legal Advice?

No. The emergency button is to be used specifically for emergency situations with law enforcement officers.

2Is it going to be possible for one to get the assistance of an attorney at odd hours such as at 3am on a Saturday morning?

Yes. Code Green is a 24-hour service. The Legal Guard Call Centre is available 24 hours a day, and so are our attorneys.

3What will happen where there is no access to internet?

In order to send a prompt to the Call Centre, your phone must be connected to the internet.

4Is there a limit to the number of times I can be covered for Code Green claims?

No. There is no limit to the number of Code Green claims you will be allowed to lodge.

5Is there a waiting period for Code Green claims?

No. Cover for Code Green claims effects immediately upon policy inception.

6Can I lodge a Code Green claim my policy is not up to date/ is in arrears?

If your policy is in arrears for the month when incident occurs i.e. when client is not currently on cover, The APP will not allow a panic alert to be sent. A message will be generated on your phone screen informing you of the number to contact to address your policy arrears.

On Prestige Guard Plus

1Will I be at liberty to appoint my own/ preferred attorney?

Yes. You will have the option to use your own/ preferred attorneys within the terms and conditions of your policy.

On Beneficiaries

1Who can I add as a beneficiaries under my policy?

1. Yes. You will have the option to use your own/ preferred attorneys within the terms and conditions of your policy.

  • Your spouse if married in community of property;
  • Your biological or legally adopted minor children

2. The following may be added as beneficiaries at an extra cost:

  • Your spouse if married out of community of property
  • Your parents (provided they are 55 years of age and above, and not gainfully employed)
2Do I have to provide any information or documentation to justify/ confirm my relationships in the case of beneficiaries?

You do not have to provide any documents for beneficiaries at point of sale.
When purchasing a legal Guard policy you will only have to provide the name(s) of your beneficiary/ beneficiaries as well as their identity/ Omang numbers.

NOTE: Supporting documents as listed below will be required when beneficiaries wish to lodge claims.

  • Spouses: Marriage certificate; and/or Proof of marriage regime.
  • Children: Birth certificate; and/or Adoption certificate for each child; Confirmation from educational institution for non-minors below 25 years old and still schooling.
  • Parents: Omang (Identity document(s))
1What is legal expenses insurance?

Legal Guard helps individuals and their families alike meet the cost of taking legal action or defending their rights if they have a dispute with another party by providing insurance designed to meet these costs.

1. Non Predictable Claims – we can pursue or defend a variety of potential disputes, including employment problems, criminal prosecution, as well civil/contract disputes.

2. Predictable Claims – we assist clients in drafting a variety of legal agreements such as sale and purchase agreements, lease agreements, wills, settlement agreements as well as debt acknowledgment agreements to mention but a few. We also assist clients with convenyancing matters.

2What do legal costs include?

These will include costs such as the ‘attorney’ fees and charges for disbursements. They will not include incidental costs that arise out of a claim like deputy sheriff costs, expert costs, costs awarded against you in a court of law, advertising costs and those as listed in the policy wording.

3Will a legal expenses policy cover ‘any’ legal dispute?

Our policies cover you in respect of a wide range of insured perils. The cover is not unlimited and the policy wording will list the incidents which you are insured against.

4If i have a legal problem before my policy starts, will it be covered?

These are referred to as pre-existing claims; they will be subject to an internal assessment to determine if there are any prospects of success in pursuing the matter. Should the answer be positive, then an excess will have to be paid as per the policy wording.

5What is meant by reasonable prospects?

It is not beneficial for anyone concerned to support a claim which has little chance of success. In civil claims, the in-house attorneys must agree that there is a better than 50% chance of the claim being successful in order for us to proceed. Reasonable prospects must always exist throughout the duration of a civil claim.

6What happens if my legal costs end up going over my limit of indemnity?

The indemnity limit shown in your policy schedule is the maximum that would be paid out in the event of a claim. If your case is likely to exceed the limit you will be informed by your insurer or legal representative, but you will be responsible for any costs over the indemnity limit.

7Some disputes can be negotiated in-house rather than be pursued or defended in court, why is this?

It is often more beneficial for both parties to try and reach a settlement rather than go to court which is both stressful and time consuming. The majority of legal disputes are in fact settled by negotiation. We always provide the most appropriate solution to your legal dispute which may well entail entering into negotiation as the fastest and most effective way of resolving a dispute.

8Am i free to choose my own attorney?

As your Legal Expense Insurer we have the freedom to choose which attorneys to appoint for advice and assistance up to the time where legal proceedings start. All claims must be lodged with Legal Guard and should not be referred to attorneys without prior consultation with Legal Guard.

9What happens if i am unhappy with the quality of legal service provided by my attorney?

All attorneys have to work to strict codes of conduct governed by the Legal Practitioners Act. They owe their main duty to their client (you, the policyholder) and the court. Please raise any concerns with the attorney directly. If they fail to assist then the policyholder should report directly to us and at the same time if you remain dissatisfied we would remind you that you may be able to take your complaint to the Law Society of Botswana.