Frequently Asked Questions

Legal insurance, also known as legal protection insurance, is a type of coverage that helps individuals and businesses manage the costs associated with legal services. For a fixed monthly premium, policyholders gain access to legal advice, document review, and representation when needed.

When you face a legal issue covered by your policy, you contact Nema Legal, and we connect you with an attorney from our network who specializes in the relevant area of law. Your legal fees are covered according to your policy terms, making quality legal representation affordable and accessible.

Legal insurance is valuable for almost everyone, but it's particularly beneficial for:

• Employees: Protection against unfair labor practices and CCMA matters
• Homeowners and tenants: Assistance with property disputes and lease agreements
• Families: Support with wills, marital matters, and consumer issues
• Small business owners: Protection against contractual disputes and employment issues
• Anyone concerned about legal costs: Peace of mind knowing legal help is affordable

Nema Legal stands out through our:

• Comprehensive Coverage: We offer broader protection than many competitors, including CCMA representation, consumer disputes, and family law matters.
• Quality Network: We work with experienced, specialized attorneys who undergo rigorous selection processes.
• Customer-Centric Approach: Our claims process is streamlined, and we prioritize quick response times.
• Transparent Pricing: No hidden fees or surprise costs - you know exactly what you're paying for.
• South African Focus: Our policies are specifically designed for the South African legal landscape.

Nema Legal insurance covers a wide range of legal issues, including:

• Employment matters: Unfair dismissals, CCMA disputes, disciplinary hearings
• Consumer disputes: Faulty products, service issues, contractual disagreements
• Property issues: Landlord-tenant disputes, boundary conflicts, property transfers
• Family law: Divorce, maintenance, custody matters (varies by plan)
• Motor vehicle accidents: Civil claims following accidents
• Debt collection: Assistance with recovering money owed to you
• Legal documentation: Will drafting, contract review, document preparation

Specific coverage depends on your selected plan. Please review our policy documents for complete details.

Yes, there are some exclusions to our coverage, including:

• Criminal defense matters (unless specifically included in your plan)
• Matters that began before your policy start date
• Legal actions against Nema Legal or its affiliates
• Business-related matters (unless you have business coverage)
• Matters with a low probability of success as determined by our legal team
• Certain high-risk activities or specialized legal areas

We encourage you to review the full list of exclusions in your policy documents or contact us for specific questions about coverage.

Nema Legal works with a carefully selected network of qualified attorneys who specialize in various areas of law. When you need legal assistance, we will match you with an attorney from our network who has expertise in the specific area relevant to your case.

Our network attorneys are vetted for their experience, expertise, and track record of success. If you have a preference for a specific attorney who is not in our network, we may be able to accommodate your request, but coverage may be limited to our standard rates rather than the attorney's full fees.

Yes, there is typically a 30-day waiting period from your policy start date before you can make claims for certain legal matters. This waiting period helps prevent people from purchasing coverage only when they already have an active legal issue.

However, some services like legal advice and document review are available immediately after your policy begins. The specific waiting periods vary by plan and type of legal matter, so please check your policy documents for details.

Filing a claim with Nema Legal is straightforward:

1. Contact us: Call our claims hotline or submit a claim through our online portal
2. Provide details: Explain your legal issue and provide any relevant documentation
3. Assessment: Our legal team will review your case to confirm coverage
4. Attorney assignment: We'll match you with a specialized attorney from our network
5. Case handling: Your attorney will guide you through the legal process

We aim to respond to claims within 24-48 hours during business days.

The timeline for resolving a legal matter varies depending on its complexity and the legal processes involved. Simple matters like document review or basic legal advice may be resolved within days. More complex issues like CCMA cases or civil litigation can take several months.

Once you file a claim, we typically:

• Respond within 24-48 hours to acknowledge your claim
• Assign an attorney within 3-5 business days
• Begin working on your case immediately after assignment

Your assigned attorney will provide you with a realistic timeline based on your specific situation.

The documentation required depends on the type of legal matter, but generally includes:

• Your policy information
• Details of the legal issue (what happened, when, who is involved)
• Any relevant contracts, agreements, or correspondence
• Photographs or other evidence related to the matter
• Contact information for all parties involved
• Any legal documents you've already received (summons, letters, etc.)

Our claims team will guide you on the specific documents needed for your situation. It's better to provide too much information than too little.

Nema Legal offers several plans to fit different needs and budgets:

• Basic Plan: Starting at R150 per month - covers essential legal services
• Standard Plan: Starting at R250 per month - comprehensive coverage for individuals and families
• Premium Plan: Starting at R400 per month - extensive coverage including business matters
• Business Plans: Custom pricing based on company size and needs

Your exact premium may vary based on factors like the number of people covered, additional services selected, and any applicable discounts. Contact us for a personalized quote.

No, Nema Legal is committed to transparent pricing. Your monthly premium is the primary cost, and covered legal services are provided at no additional charge up to your policy limits.

There are a few situations where additional costs might apply:

• If you choose an attorney outside our network (subject to approval)
• Costs beyond your policy limits for exceptionally complex cases
• Court fees and other disbursements not covered by your plan

We will always inform you of any potential additional costs before they are incurred, and you have the option to approve or decline them.

Yes, you can upgrade, downgrade, or cancel your policy at any time. However, there are a few important considerations:

• Plan changes: You can change your plan effective the first day of the next billing cycle
• Cancellation: You can cancel at any time, with coverage ending at the conclusion of your current billing period
• Refunds: We don't provide pro-rated refunds for partial months, but you won't be charged for future periods after cancellation
• Active claims: If you have an active claim when changing or canceling your policy, coverage may continue for that specific matter until resolution

We recommend contacting our customer service team before making changes to understand how they might affect your coverage.