Here at How To Sue, we want to take away any uncertainty or confusion about compensation claims by explaining key terms. This guide answers the question: “What is After The Event insurance?”
Continue reading to learn what taking out an After The Event insurance policy means for you and how it works when you make a No Win No Fee claim.
We also outline the terms offered by our panel’s expert solicitors that mean you only pay a fee for their work if your case wins.
As well as checking out our guide, you can use any of the below completely free contact routes to get useful information:
- Call our 24/7 contact line on 0800 408 7827.
- Alternatively, contact us online so we can call you.
- Or use the live chat pop-up for an instant consultation.
Browse Our Guide
- What Is After The Event Insurance?
- How Does ATE Insurance Work In A No Win No Fee Claim?
- How Much Does ATE Insurance Cost?
- Do I Have To Purchase ATE Insurance?
- Contact Us To See If You Can Make A No Win No Fee Claim
- Read More About Making A Personal Injury Claim
What Is After The Event Insurance?
After The Event (ATE) insurance works as a safety net for a civil claim. Purchasing an ATE policy when starting a claim means that, if the case is lost, any necessary costs incurred by you or your solicitor are covered.
This accounts for disbursements, which are legal costs incurred by the solicitor during the litigation process. For example, if you sue someone for an injury, your ATE insurance premium would ensure you avoid having to pay for:
- Court fees, should legal proceedings fail in court.
- Expert witness costs.
- Any fee required to get your medical records.
- All other types of evidence-gathering.
These are all things you’d have to consider if you pursue a compensation claim alongside a solicitor without ATE insurance. With that in mind, the answer to “what is After The Event insurance” is essentially insurance cover that gives you peace of mind when claiming.
How Does ATE Insurance Work In A No Win No Fee Claim?
After The Event insurance cover works well alongside a No Win No Fee agreement because both are designed to reduce the claimant’s financial risk in all circumstances.
If a No Win No Fee claim fails, you don’t pay your solicitor’s fees. This means that, alongside the ATE policy being able to provide cover for your own costs, you shouldn’t expect a hefty bill if the claim does not go well.
The solicitors from our expert panel offer a Conditional Fee Agreement, which also has its benefits if their client wins. Success means a small portion of the client’s compensation payout goes to the solicitor as their fee. You can be sure that the percentage set aside for the solicitor is minor because of a legal cap applied by The Conditional Fee Agreements Order 2013.
Call our free helpline now if you want to find out more about the benefits of a No Win No Fee claim.
How Much Does ATE Insurance Cost?
The cost of ATE policies will vary from case to case. Insurance premiums will be higher when a complex legal dispute arises, for example.
Your solicitor would talk you through this if you chose to take legal action with their help. However, feel free to call any time if you have any questions like, “What is After The Event insurance typically costing claimants?”
Do I Have To Purchase ATE Insurance?
You don’t have to lift a finger when it comes to purchasing insurance. After The Event insurance policies are purchased by solicitors before they begin the steps where there are legal costs incurred. When you work with a No Win No Fee solicitor from our panel, you only pay for this insurance premium if you win your case.
Naturally, your solicitor will do everything they can to secure a successful outcome, but an ATE policy acts as a useful safeguard in case a claim is unsuccessful.
Contact Us To See If You Can Make A No Win No Fee Claim
The financial risk of making a compensation claim is minimised with the support of No Win No Fee solicitors and ATE insurance. If you’d like to find out whether you can get a solicitor’s help in making a claim, or want to know more about the protections offered by ATE insurance premiums, just get in touch now.
Our support service is totally free and there’s no obligation to claim. You can either:
- Call 0800 408 7827.
- Contact us online.
- Open the live chat tab below.
Read More About Making A Personal Injury Claim
These guides offer useful information about personal injury claims:
- Our accident at work claims FAQ guide.
- Learn how to sue for an injury in a public place with our public liability claim guide.
- Guidance on suing for a road traffic accident you were hurt in.
Find further information here:
- NHS – A-Z of health conditions.
- Ministry of Justice – information on pre-action protocol for a personal injury claim.
- GOV.UK – Statutory Sick Pay advice.
We hope our guide has helped answer the question, “What is After The Event Insurance?”