Protect Your Property

When property matters get personal, you need the law on your side. Property and accommodation disputes often arise in property law. Here are some common issues covered by legal expense insurance.

Illegal Attachment of Your Property

Property can only be attached if a court judgment has been given and the debtor still hasn't settled the debt. The court then issues a warrant of execution to enforce payment.

Damage Caused to Property or Household Goods

Property damage is a criminal offence in South Africa. It includes the physical harm of pets and malicious damage to cars, furniture, and tangible items. It's vital to report the incident as soon as possible.

Defective Workmanship

Service providers must repair or replace faulty work according to a required standard. Legal cover can help in the case of a lawsuit resulting from defective work.

Unlawful Eviction

A landlord cannot evict you from your home without an order of court. All circumstances must be considered first, including whether you have somewhere to go.

Wrongful Retention of Security Deposit

According to the Rental Housing Act, a landlord must return the deposit and any interest within 14 days after the lease ends. If damages need fixing or there is a dispute between the landlord and tenant, the landlord has another 14 days after the repairs or dispute resolution to return the deposit.

Breach of Contract by Tenant

If a tenant breaches a lease agreement, the landlord must give the tenant a minimum of 20 working days to fix the situation. After this period, the landlord can terminate the lease agreement.

Legal Expense Insurance with Monarch

With Monarch's Legal Expense Insurance*, you can access a toll-free legal advice helpline 24 hours a day, 365 days a year.

Monarch Insurance will contact the other party in a legal dispute to resolve the issue. If not resolved, we will cover the costs of an approved lawyer representing you in legal proceedings (as per the benefit option selected).

Life is full of legalities. In a situation where you need a lawyer, having cover for legal fees is hugely beneficial. Legal expense cover can also give you access to standard legal agreements like wills and testaments, antenuptial contracts, and lease agreements, saving you time and money.