Legal Insurancefrom R72/month
Legal problems can happen to anyone — a labour dispute, a criminal charge, a landlord issue. Legal insurance gives you access to attorneys when you need them, without the R5,000-an-hour price tag.
What is legal insurance?
Legal insurance (also called legal protection insurance) is a monthly subscription that pays your legal fees when you need an attorney. Instead of paying R5,000–R10,000 per hour out of pocket, your insurer covers the cost up to your plan's limit.
In South Africa, legal insurance covers civil disputes, criminal defence, and labour matters. It is not FSP-regulated financial advice — it is a straightforward product with no waiting period and no medical questions.
Key areas of cover
Civil matters
Cover for disputes involving landlords, neighbours, car accidents, and consumer protection issues.
Labour disputes
Protection against unfair dismissal, retrenchment disputes, and workplace discrimination claims.
Criminal defence
Access to legal representation if you or a family member faces criminal charges or unlawful arrest.
Telephonic legal advice
Most plans include 24/7 access to a LegalLine or helpdesk — speak to an attorney any time of day.
Who is covered?
You — the main member
The policyholder is always covered across all legal matter categories.
Your family
Children under 18 (or 21 if studying) are typically covered on the main member plan at no extra cost.
Work-related matters
Labour disputes — unfair dismissal, retrenchment, CCMA hearings — are covered on most plans.
Exact cover scope depends on the plan and partner selected. The partner will confirm all cover details before sign-up.
3 trusted legal insurance providers
We connect you with the partner you prefer. They assess your needs and confirm your cover — we earn a referral fee, you get protection.
LegalWise
Est. 1984 · 80+ branches nationally
Gold
R145/month
R145,000 in legal fees per case
GoldPLUS
R226/month
R226,000 — labour excess waived
Platinum
R385/month
R385,000 — includes divorce cover
Confirmed pricing — est. 1984, 80+ branches, R115M paid in claims in 2023
Scorpion Legal Protection
Est. 1996 · 27 branches nationally
Policy B — Employment
R72/month
R86,400 — employment matters only
Policy C — Civil
R72/month
R86,400 — civil matters only
Policy A — Full Cover
R144/month
R144,000 — employment, civil & criminal
Platinum
R221/month
R243,100 — all matters + extras
Confirmed pricing — retrenchment benefit included on all plans, optional funeral add-on
Law For All
Est. 1993 · Digital-first, rated #1 on HelloPeter
Gold
R195/month
R195,000 per year — full cover
Gold+
R249/month
R249,000 — shorter waiting periods
Platinum
R315/month
R315,000 — opposed divorce covered
Platinum+
R379/month
R379,000 — no waiting period on most benefits
Confirmed pricing — no excess fees, 30-day money-back guarantee, 1 million+ South Africans served
Legal insurance FAQ
Does legal insurance cover my whole family?
On most plans, children under 18 (or 21 if studying full-time) are covered under the main member plan at no additional cost. Spouses and partners may need to be added separately — confirm with the partner at sign-up.
Is there a waiting period?
No. Legal insurance has no waiting period — cover begins at policy inception. This is a key difference from life and funeral insurance.
Can I use this for a labour dispute at work?
Yes. Labour disputes — including unfair dismissal, retrenchment, and CCMA hearings — are covered on all three plans we connect you with.
What happens after I apply through INSURELOANSA?
We send your contact details to the partner you choose. A consultant from that partner will contact you to confirm pricing, cover details, and complete the sign-up. INSURELOANSA does not underwrite legal insurance — we are a referral service.
See your legal insurance options
Answer a few quick questions and SAM will show you options from LegalWise, Scorpion, and Law For All. You choose who to connect with. No commitment required.
See my legal insurance optionsINSURELOANSA provides a referral service for legal insurance. We connect you with a licensed legal insurance provider — we do not underwrite legal insurance and do not give legal advice. The partner you select will conduct their own assessment and confirm your cover and pricing directly. Pricing shown is indicative where marked and confirmed by the partner at sign-up.