When you begin a legal claim, there is always some risk involved. If a case is unsuccessful, you may be responsible for the other side’s legal costs as well as certain court expenses. After-the-Event (ATE) insurance is designed to protect you from that financial burden.
ATE insurance is taken out after a dispute has already started. It helps cover the legal costs that become payable if your claim does not succeed. Many clients choose ATE so they can pursue a case with confidence, knowing that they won’t face unexpected bills. When used alongside a No-Win, No-Fee agreement, ATE insurance often means you pay nothing upfront, nothing if you lose, and the premium only comes out of your compensation if you win.
ATE Insurance – Frequently Asked Questions
What is ATE insurance?
After-the-Event insurance is a legal expenses policy that protects you if your claim does not succeed. It commonly covers the other side’s legal fees and various case-related expenses.
Is ATE insurance compulsory?
No, it’s optional. However, without it, you could be personally responsible for the opponent’s legal costs if the case is unsuccessful. Most clients find ATE provides essential peace of mind.
What does ATE insurance usually cover?
Policies can vary, but ATE insurance typically covers:
- Opponent’s legal costs if your claim fails
- Court fees and hearing fees
- Expert reports and other disbursements
Some policies offer extended protection depending on the provider.
How does ATE work with a No-Win, No-Fee agreement?
When combined with a No-Win, No-Fee arrangement:
- You pay nothing upfront
- If your case loses, the policy covers the relevant costs (provided you have followed the agreement)
- If you win, the premium is normally taken from your compensation
This setup allows you to pursue a claim with minimal financial risk.
How much does ATE cost?
The premium varies based on the type of case, complexity, and expected costs. You will always be told the price before committing. In most claims, the premium is only payable if you win and is deducted from your compensation.
Is ATE insurance legitimate?
Yes. ATE insurance is a recognised and regulated product widely used in many areas of litigation. It makes legal action accessible for people who may not have the resources to cover potential costs themselves.
What if I already have legal expenses cover?
You may already have legal protection through:
- Home insurance
- Motor insurance
- Trade union membership
- Packaged bank accounts
If so, we will help check whether your existing policy covers your type of claim. If it does, you may not need ATE insurance.
Why should I consider ATE insurance?
ATE insurance removes much of the financial risk of bringing a legal claim. It gives you the confidence to take action against wrongdoing without worrying about the cost if things don’t go in your favour.
