Tuesday, 15 December 2009

Legal Insurance in Namibia

The cost of taking legal action can be prohibitive. Could you afford to claim compensation if you were injured in an accident, unfairly dismissed from work or had a dispute with a business?

A friend of mine has had legal insurance for the past three years and believed he was covered. About a month ago, he was accussed of being involved in a theft syndicate at his work. He immediately called his legal insurance company, but was informed they do not cover criminal cases.

He was taken for a polygraph test (is that legal in Namibia), and informed that he had failed the test. This led to him leaving the job that morning to go speak to his legal insurer.

Yeah right. They do not cover the expenses for a labour case either.

WHAT is it with insurance companies that do not want to pay claims? If you complain at NAMFISA they do very little to help.

If I am going to buy legal insurance I expect:
Bail Assistance
• Bail negotiations and applications on members’ behalf
• Depositing of the bail amount/issuing of bail guarantee on behalf of arrested member

Civil Law
• Bank and insurance matters
• Blacklisting
• Building and construction matters
• Contractual disputes
• Debt collection
• Letters of demand
• Litigation
• Personal injury claims, etc

Criminal Law
• Fraud, theft, robbery or assault
• Arrests
• Bail applications
• Consumer issues
• Driving under the influence
• Reckless driving
• Search warrants, etc.

Family Law
• Ante-nuptial contracts
• Custody disputes
• Divorces
• Family violence matters
• Interdicts
• Maintenance disputes, etc.

Labour Law
• Dismissals
• Disciplinary proceedings
• Pension payout disputes
• Restraint of trade agreements
• Retrenchments
• Unpaid wages
• Working condition

Surely this is not too much to ask?