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If you’re seeking personal injury compensation, this guide will explain what After The Event Insurance (ATE) is and how it could shield you from legal costs incurred if the claim fails. Hopefully, the outcome of your claim will be a success, but you might want to take out extra cover against any costs just in case.
This guide will explain exactly what ATE insurance is and how much it may cost to take out. Furthermore, we will explain how ATE insurance works when working with a solicitor on a No Win No Fee basis.
As you read the sections below, please feel free to connect with our advisory team with any questions or queries on how to make a successful personal injury claim. You can:
- Call 0161 509 2856.
- Contact Us online.
- Message in our live chat box.
Jump To A Section
- What Is After The Event Insurance?
- How Much Does After The Event Insurance Cost?
- Can I Purchase After The Event Insurance?
- How Does After The Event Insurance Work In A No Win No Fee Claim?
- More Resources About How To Make A Personal Injury Claim
What Is After The Event Insurance?
So, what is After The Event (ATE) Insurance? ATE insurance is a particular type of insurance that covers any legal costs if your compensation claim is not successful.
ATE insurance covers:
- Any costs that the solicitor working on your case had to pay while they were working on your claim. For example, this could include fees for an independent medical report and court fees.
- The opponent’s legal costs. You would usually need to pay the other side’s costs if your claim isn’t successful.
To learn more about ATE insurance, working with a solicitor or to discuss your potential claim, you can contact our advisors.
How Much Does After The Event Insurance Cost?
Now that we have answered ‘What is After The Event Insurance?’, you may be also wondering about ATE insurance cost.
The cost of ATE insurance depends on the likelihood of your claim being successful. Therefore, the amount can change as the claim develops, depending on the risk and time of the claim.
If you are working with a No Win No Fee solicitor and are not awarded any compensation in your personal injury claim for your injuries, you will not need to pay anything for this insurance. This is per the terms of a No Win No Fee agreement (we will discuss this more in a later section).
If you choose to take the insurance out, and your claim is a success, the cost of this insurance will be taken out of your compensation by the solicitor as part of their fees.
Contact our advisors today about making a personal injury claim with one of our solicitors.
Can I Purchase After The Event Insurance?
Your solicitor will purchase ATE insurance on your behalf after your accident (after the event). This insurance will also be taken out before they reach out to the defending party to begin your claim.
This means that you will be protected from having to pay extra fees from the start of your claiming process.
It’s important to note that you cannot purchase ATE insurance on your own. You will need an appointed solicitor working on your case to purchase this for you.
Contact our advisors today with any questions you may have about the personal injury claims process.
How Does After The Event Insurance Work In A No Win No Fee Claim?
If you use the services of a No Win No Fee solicitor, the ATE insurance is paid for right at the start of your claim. This is so that if your claim fails, you will not need to worry about paying any legal costs.
Generally, under the terms of a No Win No Fee agreement, if you are not awarded a claim payout following an unsuccessful claim, your solicitor will not charge you for the services they have provided. However, this does not cover any additional fees that your solicitor may have had to pay for.
ATE insurance adds an extra layer of protection alongside a No Win No Fee agreement, as if your claim is not successful, you will not need to worry about paying these additional costs.
If your claim is a success, the cost of this insurance will be taken from your compensation as part of your solicitor’s fees.
To learn more about claiming with one of Advice’s No Win No Fee solicitors for your personal injury claim, you can contact our advisors:
- Call 0161 509 2856.
- Contact Us online.
- Message in our live chat box.
More Resources About How To Make A Personal Injury Claim
These guides from our website explore related topics:
- Read about workplace accident claims in this guide.
- How to claim after injury in a supermarket or other public place.
- Also, here we discuss road traffic accident claims.
External help
- Read what the Financial Ombudsman Service does regarding insurance matters.
- Use this symptom checker from the NHS to be clear about your injury.
- Lastly, here is information on compensation from GOV.UK.
Hopefully, this guide has answered the question, ‘What is After The Event Insurance?’. If you have any additional questions regarding personal injury claims, you can contact our advisors.
