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What Is After The Event Insurance?

You may be wondering what After the Event insurance (ATE) is and what the policy covers? If so, please read our helpful guide and we will explore how After The Event Insurance can highly benefit and provide a safety net for your claim.

This guide aims to supply you with all the information you will need about After the Event insurance policies. Firstly, we look at how ATE works and whether you will need to purchase the policy yourself, or whether it’s financed by a solicitor. Moreover, we discuss how much ATE would cost, and we furthermore explore the multiple benefits of including this policy in your claim. Lastly, we discuss how a No Win No Fee solicitor could help you make a claim for compensation.

Our advisors work around the clock to provide the best service to anyone with questions about making a claim. Furthermore, our advisors could provide a free eligibility to look at the strength of your claim. Please get in touch:

Insurance policy wording on a piece of paper on a desk

Frequently Asked Questions

  1. What Is After The Event Insurance (ATE)?
  2. Will I Need To Purchase ATE Myself?
  3. Am I Responsible For Paying ATE?
  4. How Much Does ATE Cost?
  5. What Are The Benefits To Using ATE?
  6. What Legal Expert Can Do For You
  7. Learn More

What Is After The Event Insurance (ATE)?

Ultimately, After the Event insurance ensures that any costs incurred by you or your solicitor are financially covered in the event that your claim is unsuccessful. In essence, an ATE policy will ensure that you will not be liable for the following disbursements:

  • Paying court fees if your claim fails
  • Paying witness expert costs
  • Paying any evidence-gathering costs such as medical records or CCTV footage for personal injury claims
  • Paying travel expenses related to the claim
  • Paying for any paralegal or secretarial staff time related to the claim

An ATE policy furthermore ensures that the above legal costs can be covered even if the claim is abandoned, settled or lost at trial. Without an ATE policy, you would be required to pay for the defendant’s legal costs if your claim is unsuccessful.

If you want to find out more about the definition of After the Event insurance, please contact our friendly advisors today.

Will I Need To Purchase ATE Myself?

Essentially, you will not need to purchase an ATE policy yourself if you make a claim with Legal Expert. If you’re connected with one of our experienced solicitors, an After the Event insurance policy will be purchased at the very beginning of your claim by a solicitor. This way, any significant legal costs incurred afterwards will be covered under the policy.

Therefore, you will not need to worry about purchasing an ATE policy yourself when making a claim. To find out more about how to start your claim, please contact our advisory team.

Am I Responsible For Paying ATE?

In essence, you will only be responsible for paying an ATE insurance premium if your claim is successful. Therefore, the ATE policy will be deducted from your compensation at the end of your claim.

However, in the event that your claim is unsuccessful, you will not be required to pay for an ATE policy. Ultimately, the policy acts as a safeguard for any outcome of a claim, and covers adverse legal costs and disbursements. Notably, if you’re connected with one of our solicitors, they will work meticulously to try and ensure a successful outcome for your claim.

To find out more about how the ATE policy is covered if your claim is unsuccessful, please contact one of our friendly advisors today.

How Much Does ATE Cost?

Fundamentally, the premium for an After the Event insurance policy is determined on a case-by-case basis, dependent on an insurer’s risk assessment. For example, insurers could offer a percentage premium, which calculates a figure based on the amount of damages you receive. Alternatively, a monetary premium is usually a fixed rate cost that is applied to all claims.

At Legal Expert, you could benefit from a low ATE premium so you won’t incur large costs if your claim is successful. To find out more details about the ATE insurance premium that we offer, please contact our advisory team today.

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What Are The Benefits To Using ATE?

As we previously discussed, an After the Event insurance policy acts as a safety net for your claim by covering legal costs regardless of the outcome. Please see below some further examples of an ATE policy being added to your claim:

  • If your claim is unsuccessful, the risk of paying the defendant’s legal costs are completely removed.
  • Any disbursements such as medical reports and court fees will also be covered by the ATE policy. This may benefit those who are worried about being subject to heavy legal fees after a claim has settled. Therefore, ATE provides access to justice for people regardless of their financial situation.
  • You will not have to purchase an ATE upfront
  • You will only pay for an ATE policy if your claim is successful
  • It could motivate the defendant to settle the claim before a trial. For example, if a defendant is aware that you have an ATE policy, they will know that you have nothing to lose by escalating your claim to court. Therefore, the defendant may be willing to settle during negotiations.
  • It may also motivate the defendant to settle as they will know that your claim has high chances of success. For example, they will know that your case has been analysed and taken on due to its strong evidence. Therefore, this may encourage the defendant to settle early rather than incur further legal costs.

To discuss the benefits of an After the Event insurance policy in more detail, please contact one of our experienced advisors today.

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What Legal Expert Can Do For You

At Legal Expert, our friendly advisors are available 24 hours, 7 days a week to provide advice about making a claim. As part of our free services, our advisors can provide the following:

Furthermore, if they deem that you have a strong claim, you could be connected with one of our experienced No Win No Fee solicitors. Ultimately, our solicitors function under a Conditional Fee Arrangement (CFA), which means that:

  • If your claim is unsuccessful, you won’t be required to pay solicitor’s fees
  • You won’t be required to pay for any solicitor’s fees at the beginning of your claim, or as it progresses
  • If your claim is successful, you will only pay a small success fee for your solicitor’s work. The percentage is deducted from your compensation and is capped by law, so you will always receive the bulk of the compensation.

If you’re connected with one of our experienced solicitors, you could also enjoy the following benefits:

  • Regular case updates as your claim progresses
  • Help with evidence-gathering to ensure a strong claim
  • Explanations of legal terminology to make sure you understand
  • Ensuring specialist support with any ongoing injuries such as arranging physiotherapy
  • Ensuring the signing of legal documents and that they’re filed on time
  • Handling of negotiations with the defendant

A solicitor helps a client with their claim

 

Contact Our Advisors

To start your claim with an After the Event insurance policy, please contact our helpful advisory team today. Our advisors are able to provide support and assistance for any queries you may have about making a claim. Please get in touch:

Learn More

To learn more about making a claim, please see some of our other guides:

Additional external resources:

Thank you for reading our guide about After the Event insurance policies.

Meet The Team

  • Patrick Mallon legal expert author

    Patrick Mallon (BA, PgDl) is a Grade A personal injury solicitor and head of our EL/PL department, which handles accidents at work and public liability claims, such as slips, trips and falls. He qualified in 2005 and has over 20 years of experience. Patrick is an expert No Win No Fee lawyer and well-known for his successful case, Billie Mae Smith v McDonalds. You can learn all about Patrick, his qualifications and his experience as a solicitor here. Get in touch today for free to see how Patrick and the team can help you.

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