What Is After The Event Insurance And How Much Does It Cost?

When making a compensation claim for personal injury, people can often worry about costs and are sometimes put off by the thought of having to pay legal fees. As such, you may be curious to know how After The Event Insurance (ATE) can help you and protect you from paying costs. This guide, ‘What is After The Event Insurance?’ will aim to answer your questions.

We will explain what ATE is, what affects its cost and how it can be used alongside a No Win No Fee agreement to allow you to claim injury compensation with greater peace of mind.

If you are interested in making a No Win No Fee claim, you can reach out to one of our advisors for a free case assessment. There is no obligation to proceed any further, and if eligible, you could be connected to one of the experienced solicitors from our panel. You can reach us by:

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What Is After The Event Insurance? 

After the event, insurance (ATE) is a policy that covers legal costs if your claim is unsuccessful. It is purchased after your accident, which is why it is called after the event.

Its purpose is to prevent you from paying any costs that your solicitor has incurred whilst bringing your case. The costs that it could cover include things like:

  • Court fees
  • Medical report fees
  • The cost of obtaining a police report
  • The cost of getting a copy of your medical records

These types of expenses are sometimes known as disbursements. With an ATE policy, expenses such as these are covered by the insurance. This means you can claim safe in the knowledge that you would not have to pay for them if your case is unsuccessful.

How Much Does After The Event Insurance Cost?

Insurance works on risk, so the higher the chance of winning your case, the lower the cost of the ATE is likely to be. If you are successful, expenses such as those listed in the section above are usually recovered from the other side. Therefore, the main purpose of ATE is to protect you from having to pay any fees should your personal injury case not win.

The cost of an ATE policy would likely be higher for a complex public liability claim than a more simple road traffic accident, as the latter poses more risk to the insurer.

What is covered, and the terms and conditions can vary in ATE policies, so it is important that you read any documents about a proposed policy carefully. The specialist personal injury solicitors from our panel will always be open and transparent about how ATE works and will answer any questions that you may have.

In summary, the cost of ATE can vary, and the stronger the case you have, the lower the cost of the policy should be.

How Does After The Event Insurance Work When Making A No Win No Fee Claim?

Our panel solicitors operate claims on a No Win No Fee basis. This means that they do not charge for their services if they do not win your case. When coupled with an ATE policy, this means that if your case is unsuccessful, then you should not have to pay anything for the expenses of bringing the claim.

You could be offered a Conditional Fee Agreement (CFA), which is a type of No Win No Fee agreement by one of the solicitors from our panel. Under a CFA, you can normally expect:

  • No solicitor fees if your case fails
  • There is no need to pay solicitor’s fees to start your case
  • You do not need to pay ongoing solicitor fees as the case progresses
  • At the end of a successful case, your solicitor will deduct a modest percentage of the compensation. This is known as a success fee.

Some people find that using a No Win No Fee agreement and an ATE policy takes the stress out of claiming. However, a No-Win, No-Fee agreement is not the only way to use a solicitor, and not all solicitors will offer their services under this type of funding arrangement.

To see if you could be connected to one of our panel solicitors contact us for a free case assessment with an advisor.

See If You Could Make A No Win No Fee Claim.

If you are interested in making a No Win No Fee claim with a solicitor from our panel, you may like to know how they could help you:

  • Making sure all the damages are included correctly in your claim
  • Aiming for the maximum compensation that they can
  • Negotiating with the other side
  • Completing legal documents and following necessary steps such as Pre-Action Protocols
  • Dealing with your case in a timely and efficient manner

Our advisors are available 24 hours a day, 7 days a week to discuss your potential case with you. To get in contact you can:

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More Resources About Making A Compensation Claim

Below are some additional resources to help you understand the process of compensation claims and ATE insurance.

Further resources:

Thank you for reading our guide on ‘What is After The Event Insurance?’. If you have any further questions, please call us today.