A lawyer on your side, from R149 a month.
One dispute can cost more than a year of premiums. Premium Legal gives South African families expert legal help, real representation and predictable costs — for work, home, family and the road.
Our three individual plans
Essential
Foundational protection for everyday legal needs.
- 24/7 legal helpline access
- Up to R400,000 in covered legal fees per year
- Contract & document review (up to 5 per year)
- Standard will & power of attorney drafting
- Consumer dispute & Small Claims Court support
Comprehensive
Comprehensive cover for you, your spouse and dependants.
- Everything in Essential, for up to 6 family members
- Up to R1,500,000 in covered legal fees per year
- Family law, custody & divorce representation
- Tenancy, property & neighbour disputes
- Identity theft & cyber-fraud legal response
- Personal injury, RAF & motor vehicle claim support
Premium Plus
Concierge-grade legal protection without compromise.
- Everything in Comprehensive
- Unlimited covered legal fees, no annual cap
- Dedicated senior attorney on call
- Estate planning, trusts & wealth structuring
- SARS tax dispute & appeal representation
- International travel legal assistance
The matters we cover
Every individual plan responds to the legal problems South African households actually face.
Injury, damage to property, consumer & debt matters
Bodily injury or threats against you, damage to or loss of your belongings, faulty goods and poor service, and disputes with credit providers or debt collectors.
Home & accommodation matters
Rental and lease disagreements, deposits withheld, eviction defence, building and homeowner-association problems, and disputes with neighbours.
Vehicle & road matters
Traffic charges, licence and roadworthy problems, accident liability, vehicle finance and repair disputes, and Road Accident Fund claim support.
Schooling & education matters
Unfair exclusion or disciplinary hearings at schools and colleges, fee disputes, bursary problems and admission refusals.
Identity, dignity & reputation matters
Defamation, online harassment, identity theft, unlawful use of your personal information and disputes over your legal status or documents.
Workplace & employment matters
Unfair dismissal, retrenchment, disciplinary hearings, wage and benefit disputes, workplace grievances and CCMA representation.
Criminal charges
Defence when you are arrested or charged, bail applications, police statements and representation in criminal proceedings.
Banking, insurance, retirement & estate matters
Rejected insurance claims, bank and lender disputes, retirement and provident fund problems, investments, wills and deceased estates.
Compare the plans
Swipe sideways to compare all three plans.
| Benefit | Essential R149/month | Comprehensive R399/month Most popular | Premium Plus R599/month |
|---|---|---|---|
| Legal cover essentials | |||
| Advice and guidance from our in-house legal team | Included | Included | Included |
| Access to experienced attorneys in every field we cover | Included | Included | Included |
| 24/7/365 helpline you can call day or night | Included | Included | Included |
| Cover for criminal, civil and workplace matters | Included | Included | Included |
| Cover for your spouse or life partner and children under 18 (or under 21 while studying full-time) | Not included | Included | Included |
| National panel of attorneys ready to represent you | Included | Included | Included |
| Freedom to appoint your own attorney instead of a panel firm | Not included | Included | Included |
| Money-back guarantee during your waiting period | Included | Included | Included |
| Maximum legal fees covered | Up to R400,000 per year | Up to R1,500,000 per year | Unlimited — no annual cap |
| Waiting period | 3 months | 3 months | 3 months |
| Family members included | Main member | Up to 6 | Up to 6 |
| Added benefits | |||
| Tax guidance for the main member | Included | Included | Included |
| Tax guidance extended to your spouse or life partner | Not included | Included | Included |
| Help with municipal accounts and services at your main home | Included | Included | Included |
| Premium holiday of up to 6 months on retrenchment or disability | Included | Included | Included |
| Urgent 45-minute attorney consultation, fast-tracked | Not included | Included | Included |
| Drafting and safekeeping of a simple will | Drafting only | Included | Included |
| Guidance on winding up an estate under R250,000 | Not included | Included | Included |
| Defamation claims brought on your behalf | Not included | Included | Included |
| Excess waived on all workplace claims | Not included | Included | Included |
| Cover for an uncontested divorce and child maintenance | Not included | Not included | Included |
| Discounted property transfer (conveyancing) fees | Not included | Not included | Included |
| One free property valuation each year | Not included | Not included | Included |
| Cover for antenuptial contracts, wills and testaments | Not included | Not included | Included |
| Cover to set aside an administration order | Not included | Not included | Included |
| Higher attorney tariff for specialist representation | Not included | Not included | Included |
| Dedicated senior attorney on call | Not included | Not included | Included |
| Legal assistance while travelling abroad | Not included | Not included | Included |
| Loyalty rewards | |||
| Claim boost — up to 25% more cover on your first claim | Not included | Included | Included |
| Referral rewards | Included | Included | Included |
Terms, conditions and limits apply. All individual plans carry a three-month waiting period; the 24/7 advice helpline is available from day one. Full benefit amounts are confirmed on your policy schedule.