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Learn About After The Event Insurance (ATE)
Please read our useful glossary page to learn about After the Event Insurance (ATE) and how it can provide cover for your legal costs throughout your claim.
£85 million in compensation
Learn About After The Event Insurance (ATE)
Please read our useful glossary page to learn about After the Event Insurance (ATE) and how it can provide cover for your legal costs throughout your claim.
Defining After The Event Insurance
Whether you’re looking to pursue compensation for medical negligence, personal injury or a data breach, you may be worried about incurring legal costs and fees. Understandably, the legal sphere can be costly, often involving large sums for expert reports and court fees. Fortunately, After The Event insurance (ATE) acts as a shield from such costs and provides financial protection if your claim’s outcome is unsuccessful. Thankfully, our friendly team of advisors are here to help calm any scepticism you may have around the costs of making a claim.
Key Takeaways
- An ATE insurance policy is especially beneficial in higher value and complex claims as it removes the financial risk of legal costs.
- An ATE insurance policy can cover medical report fees, court fees and police report costs
- A solicitor is typically responsible for purchasing an ATE insurance policy at the beginning of your claim
- If your claim is a success, the cost of the ATE policy will be taken from your compensation.
- A Before the Event Insurance (BTE) policy can oftentimes provide cover for legal costs and disbursements, so an ATE insurance policy may be unnecessary.
- You could enjoy no solicitor service fees and regular claim updates if you’re connected with one of our specialist solicitors.
At JF Law, our advisory team is dedicated to providing the best customer service possible to people just like you. As part of the free services that we offer, you could also enjoy a case check to look at the strengths of your claim. Following this, you could be connected with one of our expert No Win No Fee solicitors to start your compensation claim. Having already achieved over £90 million in compensation for their clients, our specialist solicitors are ready to pursue the pay-out that you deserve. To start your compensation claim today, please don’t hesitate to get in touch with our team:
- Call us on 0151 375 9916
- Contact us by filling out our online form
What Is After The Event Insurance?
In essence, After the Event Insurance (ATE) is a type of insurance policy that covers any legal costs in the event that your claim is unsuccessful. The policy is typically purchased after your accident, hence why it is commonly referred to as After the Event Insurance.
Whilst your claim progresses, your solicitor will typically incur costs throughout the process. An ATE insurance policy will therefore cover these costs such as:
- Medical report fees
- Court fees
- Police report costs
- The cost of obtaining a copy of your medical records
These costs are otherwise known as disbursements. An ATE insurance policy therefore provides a safety blanket for unsuccessful claims as your disbursements will always be covered. As part of this policy, you also won’t be required to pay the other side’s costs if your claim is unsuccessful.
To speak with one of our advisors about ATE insurance policies, please contact our friendly team today. Please also refer to our helpful legal glossary page for further explanations of legal terms you may encounter during a claim.
Who Is Responsible For Purchasing ATE?
Typically, a solicitor is responsible for purchasing an ATE insurance policy. If you’re connected with one of our specialist No Win No Fee solicitors, an After the Event Insurance policy will be purchased at the very beginning of your claim by your solicitor. In doing this, any legal costs and disbursements incurred after this point will be covered under the policy.
As a result, you will not be responsible for purchasing ATE insurance yourself. To learn more about this, please don’t hesitate to contact our friendly team today.
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Will I Need To Pay For ATE Insurance?
You will only be required to pay for After the Event insurance if your claim is a success. Moreover, costs and disbursements will typically be recovered from the defendant in successful cases. Therefore, these disbursements will be included as part of the opponent’s legal costs. Please also note that if you do need to pay for it, the cost of the policy will usually be subtracted from your final compensation amount.
On the other hand, if your claim is unsuccessful, you will not be required to pay for an ATE insurance policy. The essence of this policy is to ensure that you won’t be left at a financial disadvantage by making a claim. Moreover, the policy acts as a safeguard regardless of whether your claim is a success or not. Therefore, an ATE insurance policy provides protection against the burden of costs and disbursements falling to you.
Despite this, if you’re connected with one of our dedicated solicitors, they will do everything they can to ensure that your claim is a success. To discuss your eligibility to make a claim, please contact one of our helpful advisors today.
Do I Still Need ATE If I Have BTE Insurance?
You may not need an After the Event Insurance policy if you have Before the Event Insurance (BTE), however it entirely depends on your policy’s terms. A BTE insurance policy is usually taken out before an accident or legal dispute arises, and is typically offered as an ‘add-on’ to a home, business or motor insurance policy. For instance, many BTE policies may cover legal costs and disbursements in the event of a claim, meaning that an ATE insurance policy will not be necessary.
It’s crucial that you review your existing BTE insurance policy before an ATE policy is denied. For example:
- Your policy may have a specific limit on the amount of legal costs it can cover
- Your policy may not cover all legal disputes. For instance, it may provide cover for personal injury claims, but not data breach claims or commercial disputes.
Especially in complex and high-risk cases, it’s essential that a BTE insurance policy can provide sufficient cover for legal costs. If this is not the case, an ATE insurance policy could cover these costs instead.
If you’re connected with one of our experienced solicitors, they will discuss the presence of any BTE insurance policies before your claim begins. Therefore, yourself and your solicitor will be able to decipher what route should be taken to ensure your disbursements are always covered.
If you have any queries about ATE or BTE insurance policies, please feel free to contact our advisory team today.
We pride ourselves
on providing the best service
possible for our clients.
We pride ourselves on providing the best service possible for our clients.
Get Help With Your Claim From JF Law
At JF Law, our dedicated team of advisors work around the clock to answer questions and give advice to people just like you. Following a free eligibility assessment, you could be connected with one of our expert solicitors who operate on a No Win No Fee basis. With decades of experience, our solicitors work to prioritise the health and wellbeing of clients who’ve experienced pain and suffering due to another party. Our solicitors offer a Conditional Fee Agreement (CFA) as a way to provide these No Win No Fee services. For you, this means:
- No solicitor service fees at the start of your claim or as it progresses
- No solicitor fees in the event that your claim is unsuccessful
- If your claim is a success, you’ll be required to pay your solicitor a success fee. The percentage of this fee is legally capped, and will be subtracted from your compensation. As a result, you’ll always receive the majority of your compensation.
You could also experience the following benefits by starting a claim with JF Law:
- Regular updates on the status of your claim
- Advice that strictly adheres to the rules of confidentiality
- Arrangement of an independent medical report to confirm your harm or injuries
- Explanations of key legal terminologies
- Assistance with signing legal documents
- Arrangements of physiotherapy to help ongoing injuries
- Negotiations on your behalf with the defendant to achieve a settlement that best reflects your pain and suffering
To learn more about the benefits of Conditional Fee Agreements, please get in touch with our friendly team today.
Contact Our Solicitors
To discuss After the Event Insurance in further detail or to start your claim today, please don’t hesitate to get in touch with an advisor. If you have an eligible claim and wish to continue with the services at JF Law, they could connect you to one of our solicitors:
- Call us on 0151 375 9916
- Contact us by filling out our online form
More Information
To learn more about the different types of claims you could pursue, please see some of our guides:
- Get help with making serious injury claims
- Learn about making a psychological injury claim
- See the following advice about manual handling claims
Additional external resources:
- Get help with how to request CCTV footage of yourself
- Learn about when to call 999 from the NHS
- See the following advice on managing sick leave and return to work from HSE
Thank you for reading our useful guide about After the Event Insurance.
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