Legal Insurance

Legal insurance products are primarily designed to cover legal fees and costs needed to defend individuals in everyday disputes. Legal insurance provides you with financial assistance so you can retain an attorney to advise you, take legal action, and, if necessary, represent you in court. Although by extension legal insurance also includes a telephone legal assistance component, it is still insurance coverage with all that entails, including compensation.

Telephone legal assistance gives you access to legal advice from an attorney in most fields of law over the phone. It usually includes an unlimited number of calls. Telephone assistance does not offer compensation; it only allows you to obtain legal information.

Absolutely. Before considering or initiating legal action, you must notify your insurer’s legal department right away—even before consulting a professional. The insurer needs information from you about the dispute to tell you what will be covered and to properly defend your interests. If you don’t get your insurer’s approval before consulting a professional, you could become personally liable for the costs.

Yes. You have to alert UGI of your intended Legal Professional, there are extended Terms and Conditions.

All legal costs shall be covered as per cover limits.

A labour related matter includes employment related matters, labour laws, employment contracts, labour disputes, unfair dismissal, retrenchment and arbitration, and strike action.

You can do this via multiple channels, physically you can come into one of our office and pay at reception or you can setup a debit order and EFT using the below details:

Bank: Standard Bank Swaziland
Account Name: United General Insurance
Account Type: Current
Account Number: 9110001930225
Branch Name Manzini Branch
Branch code: 660564
Swift Code: SBICSZXXX

Bank: FNB Swaziland
Account Name: United General Insurance
Account Type: Current
Account Number: 62576212080
Branch Name Manzini Branch
Branch code: 282064

• It all depends on the type of cover and claim and usually these we settle the fees with the repairer not to you as a client.

• Legal – Fill out a claim form after consultation with our legal team and submit any other required documents depending on the type of matter.

• A policy will be suspended for a period of 3 months if the premium is not received within 15 days from the beginning of the month and you will not be able to claim or get assistance from us for any issues which occurred during the period under which your policy was suspended.

• Yes, but at an extra premium.

• Yes, provided that the policy is cancelled immediately.

• No cash back.

• No

• It is not automatic. Therefore, we need to be notified about the death and that cancellation is required.

• No

• No, we only provide legal representation should you need it.

• No

• No

• 6 months minimum for Legal cover (12 months for criminal cases)