What is legal insurance, and why is it becoming increasingly important for South Africans? Legal problems can hit you at any time – retrenchments are constantly in the news, unfair work practices occur often, bad faith landlords can refuse to repay your deposit money or try illegal means like switching off water and lights to forcefully evict you, businesses you use every day can do you in with bad contracts or shoddy workmanship… we have all been in a situation where having legal help would have been a blessing. A legal expert to tell us what to do to win in the situation, or get our money back, or stick it to an unfair employer. But unfortunately, it’s usually at this point that people are shocked to find out private lawyers often cost thousands of rands and they can’t afford the legal help they need.
At Scorpion Legal Protection, we believe everyone deserves fair access to justice, regardless of their income level. Legal insurance helps you navigate life’s legal challenges without the burden of high legal fees.
What Is Legal Insurance?
Legal insurance, also called legal cover, is a monthly insurance plan that gives you access to professional legal advice and services. When a legal issue arises, you can contact us, and we’ll step in to assist – whether it’s drafting a legal document, representing you in court, or advising you over the phone.
Our legal insurance products cover a wide range of personal legal matters, and our goal is to make legal support affordable and accessible for all South Africans. Our policies start from R72 per month.
Learn more here: https://scorpion.biz/Compare-Legal-Policies.aspx
Why Do You Need Legal Insurance?
Legal problems can happen when you least expect them. Having legal insurance means you don’t have to face those issues alone or worry about the cost of hiring a private attorney.
Here’s how legal insurance helps:
- Legal fees are usually high – insurance makes legal help affordable.
- You get support in stressful situations like evictions or workplace disputes.
- You have peace of mind knowing legal help is just a call away.
- You avoid delays and confusion in navigating the justice system.
What Does Legal Insurance Cover?
Our legal cover includes a wide range of services, such as:
- Legal representation in labour, criminal, and civil matters
- Assistance with divorce and maintenance issues
- Labour issues like retrenchment, unfair labour practices, unpaid wages, discrimination and more.
- Personal injury matters and/or threat to a person
- Property damage
- Consumer and debt issues
- Banking, insurance, pensions and investment matters
- Schedule 5 and 6 criminal offences (subject to terms, conditions and limitations of cover)
- Personal income tax matters
- Up to 20% discount on conveyancing fees for Platinum members
This is just a summary of our benefits. For policy-specific benefits and cover, please click here.
How Much Does Legal Insurance Cost?
At Scorpion, we believe legal protection should be affordable. Our plans start from R72 per month, with options tailored to different needs and levels of support.
You pay a monthly premium, and in return, get access to ongoing legal assistance, reducing the risk of facing overwhelming legal bills.
Click here to join or for one of our consultants to give you a call.
How to Choose the Right Legal Insurance
Choosing the right legal cover depends on your personal or family needs.
Look for:
- Clear details about what’s covered. If you aren’t sure, ask the consultant.
- Transparent pricing with no hidden costs
- A provider with a strong legal team and long-standing reputation in the market
- 24/7 legal advice access
At Scorpion, we’ve been protecting South Africans’ legal rights for almost 30 years. Our legal team and call centre agents are ready to help you understand and defend your rights.
The Question Of Legal Insurance vs Legal Aid
Many South Africans think legal aid will be there for them when they need it. Unfortunately, this is not true. Legal aid is government-funded, and is meant as a last option for vulnerable South Africans – not a safety net for everyone.
No matter how urgent or serious your situation may feel, you’ll still need to meet specific eligibility requirements, including a means test assessing your income and assets before your case will even be considered. And even then, assistance isn’t guaranteed.
Legal aid is a free service provided by the government, but it has strict income and case requirements, and limited resources.
Legal insurance:
- Is available to anyone who pays their monthly premium
- Offers broader coverage
- Provides quicker access to legal support
By choosing legal insurance, you take proactive steps to ensure your rights are protected. No long queues, getting transport to and from faraway offices (but we do have offices around the country if you want to come in and see us) or eligibility checks required.
Frequently Asked Questions
What is legal insurance and how does it work?
It’s a monthly policy that gives you access to legal advice and services when you need them, without large legal bills.
Is legal insurance worth it?
Yes. It helps you prepare for the unexpected, and ensures you get help from legal professionals without worrying about affordability.
What types of legal issues are covered?
Civil, criminal, family, and labour matters including unfair dismissals, unpaid wages, retrenchment and more.
What is not covered?
Legal issues that started before you joined (although we may still be able to give you paralegal advice here), business matters, and cases where you intentionally broke the law.
How much does legal insurance cost?
Scorpion’s legal policies range from R72 – R221 per month depending on the cover you need. Click here to join or for one of our consultants to give you a call.
Scorpion is proud to provide South Africans with trusted legal cover. Let us help you stay prepared for whatever life throws your way.
Explore your legal protection options today.
Legal content disclaimer
The information contained on this website is aimed at providing members of the public with in South African law. This information has not been provided to meet the individual requirements of a specific person and Scorpion Legal Protection maintains that legal advice be obtained to address a person’s unique circumstances. It is important to remember that the law is constantly changing, and although Scorpion strives to keep the information up to date and of high quality, it cannot be guaranteed that the information will be updated and/or be without errors or omissions. As a result, Scorpion, its employees, independent contractors, associates or third parties will under no circumstances accept liability or be held liable for any innocent or negligent actions or omissions by Scorpion which may result in any harm or liability flowing from the use of or the inability to use the information provided.