Law UK

After the Event Insurance – Protect Legal Expenses and Mitigate Risk

After the event insurance

After the Event insurance is an essential financial product designed to help both individuals and businesses involved in legal disputes protect themselves financially, offering coverage for legal costs and disbursements should their claim fail, thus mitigating risk while providing access to justice.

After the Event (ATE) insurance is becoming an increasingly popular trend in the UK, offering added financial protection during legal proceedings. This article seeks to explore this type of cover and its relevance in UK legal proceedings.


Understanding Event Coverage Policies (ECIPs) & (ATEs)

After the Event insurance is a type of legal expenses insurance designed to be purchased after an incident such as an accident or legal dispute has taken place, providing coverage for their legal costs such as solicitor fees, court expenses and expert witness fees in case their legal claim fails. It may be purchased by either claimants, defendants or solicitors on their behalf.


Benefits of After the Event Insurance

Cost Protection: Legal disputes can be an enormous financial drain. Legal costs often run into thousands or even millions of pounds; to protect policyholders from adverse cost orders that could potentially incur heavy expenses should their case fail, ATE insurance is designed to safeguard against adverse cost orders by protecting against adverse cost orders imposed against policyholders who lose.


Access to Justice:

Access to Justice (ATE) insurance provides individuals and businesses alike access to justice by levelling the playing field against well-resourced opponents without fear of exorbitant costs, regardless of financial resources or circumstances. ATE insurance gives claimants’ confidence that their legal battle can proceed regardless of what obstacles may stand in their way.


Peace of Mind:

ATE insurance provides policyholders with peace of mind by helping to mitigate the financial risks associated with litigation, offering comfort knowing that in case of an unsuccessful claim being brought forth against them, costs incurred will be covered by their policy.


Customised Coverage:

Attorney Tort Liability (ATE) insurance policies can be tailored to fit the unique needs of each case, providing full protection against potentially adverse costs. Policyholders can select coverage limits and options that meet their requirements – offering comprehensive protection.


ATE Insurance and the UK Legal Environment

The Access to Justice Act 1999 played an instrumental role in changing the UK legal landscape and spurring on the adoption of ATE insurance. Claimants could purchase policies covering their opponent’s legal costs in case their case went against them, and conditional fee agreements (CFAs), commonly referred to as no win no fee agreements (NoWNFA), further spurred on demand for ATE coverage.

Over recent years, there have been significant advancements in the ATE insurance market. Since 2013, when qualified one-way cost shifting (QOCS) became part of the Civil Procedure Rules, claimants’ liability for opposing legal costs has been greatly diminished; yet ATE insurance remains essential in providing additional coverage for disbursements and solicitor fees associated with claimant proceedings.

UK Providers of ATE Insurance Solutions

The UK ATE insurance market features many reputable providers offering various coverage options. Examples of such providers include:


Temple Legal Protection: At Temple Legal Protection, with over 25 years of experience and in various legal fields such as personal injury, clinical negligence and commercial litigation – Temple Legal Protection offers ATE insurance policies for you!


ARAG:ARAG specializes in legal expense insurance solutions for personal injury cases, employment disputes and other areas of litigation.


DAS Legal Expenses Insurance: DAS is an established provider offering legal expenses insurance (ATE) solutions for personal injury, professional negligence and commercial litigation claims, among other cases.



After-the-Event insurance has become an indispensable resource for individuals and businesses engaged in legal proceedings within the UK. It provides peace of mind, protecting you from potentially significant costs related to legal proceedings that might otherwise come your way.


FAQs about After the Event Insurance


Do I Purchase After the Event (ATE) Insurance Early or Later?

Making an informed decision when purchasing After the Event (ATE) insurance depends on multiple factors and specifics related to your legal case. Here are a few considerations to help make an informed choice:

Prior to purchasing ATE insurance, it is wise to conduct an in-depth assessment of your case’s merits. Early evaluation can help you ascertain its probability and any associated costs; if it appears strong, purchasing coverage from the start may provide coverage from potential adverse costs and protect you from potential claims that may arise later on.

Cost Considerations

ATE insurance premiums typically depend on the level of risk associated with each case. Early on in litigation when uncertainties may be higher, premiums might be more affordable. As more information becomes available and case progresses, premiums may change accordingly; waiting until later stages increases risk and could increase premiums accordingly.

Budget and Financial Planning

Before purchasing ATE insurance, take a careful inventory of your budget and financial resources. By buying early you can spread out the premium cost over an extended period, potentially making payments more manageable; buying later might necessitate a lump sum payment which could pose financial strain.

Coverage Duration

ATE insurance typically lasts until the completion of any appeals in your legal proceedings, giving you peace of mind and protecting you against unexpected costs that could arise during these processes. By purchasing it early, purchasing coverage offers peace of mind as it safeguards against unexpected costs that may arise during legal proceedings.

Policy Terms and Conditions: Carefully review the details of an ATE insurance policy to fully understand its terms. Some policies may have specific requirements such as a waiting period before coverage begins; understanding this aspect will allow you to decide when is best to purchase coverage.

Legal Advice: Seek advice from legal professionals for guidance on when is the ideal time and place to purchase ATE insurance. They can evaluate your case’s specific circumstances before offering recommendations about the most suitable approach.

As with anything, buying ATE insurance early or later in the legal process has its own set of advantages and disadvantages. When making this decision, consider your case merits, associated costs, budget constraints and financial situation before consulting legal professionals and insurers who can guide your decisions based on individual needs and circumstances.

How much does an After the Event (ATE) insurance policy cost?

Insurers often charge fees ranging between £200-£ 1000 depending on a variety of factors that must be met before providing coverage; some of which include:

Case Type

The type of case being insured has a dramatic impact on its premium cost. Different areas of law carry differing risks and costs that influence insurance providers when setting prices for policies.

Claim Value

The cost and risk associated with the claim you’re pursing can have an effect on ATE insurance premiums. When dealing with larger claims values, insurance premiums tend to increase in line with these increased expenses and risks.

Case Complexity

Complex cases requiring extensive legal work, expert witnesses or protracted court proceedings often attract higher premiums. The more time and resources that go into preparing such an argument, the higher may be its costs reflected by an insurance premium.

Insurance Provider

Choose Wisely Different insurers may offer differing premium rates based on their underwriting policies, market experience and individual risk assessments. It’s wise to obtain quotes from several insurance providers so as to accurately compare costs and coverage options.

Policy Limits

Selecting higher coverage limits can have an impactful effect on premium costs for an ATE insurance policy, though it could potentially increase overall protection but lead to greater premium costs.

Stage of Litigation

Timing your purchase of ATE insurance can impact its premium; purchasing it earlier when risks and uncertainties are at their greatest can often yield more affordable premiums compared to purchasing it at later stages.

Noting the nature of ATE insurance premiums as one-off payments made upfront can help ensure an accurate premium cost estimate; factors like location can play a part here so it is wise to gather quotes from various providers before carefully considering coverage and cost implications of each policy.

Due to the unique circumstances surrounding each case and insurance provider policy, it can be challenging to provide an exact cost range for ATE insurance. Consulting with insurance providers and discussing your individual circumstances will enable you to receive accurate quotes tailored specifically for you and legal professionals can also offer guidance as to any associated costs in your specific situation.

What percentage is the After the Event (ATE) premium?

The percentage of After the Event (ATE) insurance premium can depend on multiple factors, including case type and value as well as an insurance provider’s underwriting policies. Note that typically calculated as a percentage of potential legal costs covered rather than directly against claim value itself.

It’s important to keep in mind that this percentage can range from 15%-50% of potential legal costs; however, these figures don’t remain constant and may change depending on the specifics of each case as well as an insurer’s pricing structure.

Other variables, such as the complexity and level of risk involved in your case and litigation stage at which the policy was purchased can also have an effect. Providers may take into account factors like likelihood of success, anticipated costs, and exposure to adverse costs when calculating premium percentage.

In order to receive an accurate estimation of your ATE insurance premium percentage, it is advisable to speak directly with insurance providers. They will evaluate all of the details surrounding your case before offering you a personalized quote based on their underwriting criteria and risk evaluation process.


What Is One-Off ATE Insurance Covering?

One-Off ATE insurance refers to policies obtained for specific cases or legal disputes that cover an upfront premium rather than ongoing payments, usually calculated based on potential legal costs associated with each particular case, which covers insured parties throughout any proceedings and appeals processes that might ensue.

The exact percentage of an annual ATE insurance premium may depend on factors like the type and complexity of your case, potential costs involved and insurance provider underwriting policies. Insurance providers evaluate risks associated with each case to calculate an appropriate premium that accounts for any exposure to adverse costs that could occur.

To receive an accurate quote for an one-off ATE insurance policy, it is wise to consult insurance providers that specialize in legal expenses insurance. They will evaluate all the details surrounding your case before providing a customized premium amount based on their assessment of risks and potential costs associated with it.

Carefully reviewing the terms and conditions of an one-off ATE insurance policy will give you a fuller understanding of both your premiums and coverage provided to suit your case. This ensures that there are no surprises along the way.

No, After the Event (ATE) insurance should not be seen as something negative; rather it provides legitimate and valuable financial products to cover legal expenses in case of unsuccessful legal claims, allowing both individuals and businesses to pursue legal rights while mitigating risks associated with litigation.


ATE insurance can offer various advantages, including:

Cost Protection ATE insurance offers policyholders protection from potential adverse cost orders should their case fail, protecting them from having to cover their opponent’s legal costs – which can often be significant.

Access to Justice

Access to Justice insurance provides individuals and businesses alike with equal access to justice by giving them the financial means necessary to pursue legal claims without being hindered by costs associated with litigation. In doing so, this coverage ensures that cost does not become an impediment when seeking justice.

Peace of Mind

ATE insurance provides policyholders with peace of mind by mitigating the financial risks involved with legal proceedings, so they can focus their energy on winning their case without worrying about potential costs.

Customised Coverage

ATE policies can be tailored to meet the particular requirements of each case. Policyholders can select coverage limits and options that best meet their requirements, providing full protection from potential adverse costs.

Before purchasing an ATE insurance policy, it is crucial to carefully read through its terms and conditions in order to make an informed decision. In particular, coverage, exclusions and limitations need to be understood thoroughly in order to make an educated choice.

As such, it is highly advisable to work with reliable insurance providers who specialize in legal expenses insurance and have established themselves within the legal industry, to ensure you have proper protection and assistance during any legal proceedings that arise.

Overall, ATE insurance is an invaluable way of providing financial security and peace of mind to both individuals and businesses engaged in legal disputes.

How Can I Acquire After-the-Event (ATE) Coverage

In order to acquire After the Event (ATE) coverage, follow these general steps:

Assess Your Legal Needs: Determine whether ATE insurance would benefit your legal case by evaluating potential risks and costs involved with pursing the claim. ATE insurance should generally only be used if incurring substantial legal expenses is possible in case the case fails.

Seek Legal Advice: Consult a solicitor or legal professional specialized in your type of case for advice about whether ATE insurance is suitable for your circumstances and can recommend reliable insurance providers.

Research Insurance Providers: When shopping for ATE insurance providers, take note of their reputation, experience within the legal field and types of cases they cover. Inquire with multiple providers so you can compare premiums and coverage options.

Once you have selected an insurance provider, the next step should be providing them with information regarding your case – the nature of it, anticipated legal expenses and any other relevant details – so they can assess risks and determine your premium accordingly.

Review Policy Terms and Conditions: Before purchasing an ATE insurance policy, carefully read through its terms and conditions to understand its coverage limits, exclusions, requirements for filing claims and any special conditions that might exist for making them. Seek clarification from both your provider as well as legal advisor if necessary.

Purchase Your Policy: Once satisfied with the terms and conditions, purchase an ATE insurance policy by paying the specified premium to your provider. Your coverage typically kicks into effect once this payment has been made.

Stay in Communication: Make sure that communication between yourself and your insurance provider remains open during legal proceedings, keeping them apprised of any significant case developments or changes that might impact coverage. They will guide you through the claims process if the case fails.

Keep in mind that the process may differ slightly depending on your insurance provider and region. For the best experience and guidance tailored specifically to you, work closely with legal professionals and insurance providers who can offer guidance tailored specifically to your case and requirements.

About the author

David Evans

David is Editor-in-chief.

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