Personal Injury ATE Insurance

Why you need an Insurance policy even if your solicitor is on a No Win, No Fee,agreement?

Even though a solicitor is acting under a conditional fee agreement (no win – no fee), if the case is lost or abandoned the claimant will usually still have to pay all or part of their opponent's costs as well as their own disbursements. This could be a considerable amount of money, often running into many thousands of pounds, especially if the case was actually lost at Trial.An Personal Injury ATE Insurance policy will protect the claimant/policy holder against the risk of an unsuccessful claim.

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The Personal Injury ATE Insurance Policy will cover:

• Opponents Costs – the costs that the Court orders the claimant to pay to the other side e.g. their legal fees and their disbursements
• Own disbursements – these are expenses incurred by a claimant in preparing their case e.g. court fees, medical and other types of expert reports etc.

Cost of Personal Injury ATE Insurance premium

• The Personal Injury ATE Insurance premium provided to you through Guardian Legal Services will nearly always be fully deferred until the end of the case
• The premium provided to you through Guardian Legal Services will be payable only in the event that your claim is successful – if your case is lost or abandoned the premium will be waived
• The premium provided to you through Guardian Legal Services will be self insured so that the policy holder/claimant is not required to pay the premium if their case was unsuccessful, but the insurance policy will still pay out to cover any insured costs
• The premium provided to you through Guardian Legal Services does not require you to enter into any credit agreement
• The premium provided to you through Guardian Legal Services should be recovered from your opponent if you are successful, so you would not usually pay anything at all.

Why even consider pursuing a claim without the protection afforded by ATE Insurance through Guardian Legal Services when it provides you with total protection and costs you nothing.

Avoid any future allegations of Professional Negligence.

Law Firms are obliged by the Solicitors Regulatory Authority (SRA) Code of Conduct 2007 under rule 2.03(g) to explore the existence of a legal expenses insurance or the possibility of any alternative means of funding the case. Why run the risk of a subsequent claim for professional negligence by not securing ATE Insurance cover for your client.

Guardian Legal Services provide access to the majority of insurance companies in the UK offering insurance cover. We will handle the application for you and assist in every stage of the process and it costs you and your client nothing.

Guardian Legal Services can provide a quotation on an ad-hoc basis or consider providing the firm with access to a ‘delegated authority’ scheme if the firm conducts a sufficient number of cases per annum. The required number of cases conducted under a CFA each year will vary according the scheme but may not be as many as you think.

Contact us for details of a Delegated Authority Scheme

Telephone 0844 414 2124 or email info@guardianlegal.co.uk

Advantages of a delegated authority scheme

Cases can be insured at outset providing maximum protection Premiums normally lower than for ad-hoc applications Lower premiums easier to recover Completion and submission of multiple page forms not usually required Issuing a policy is quicker and easier and less time consuming Evidential support documents not usually required Requisite prospects of success of case usually lower Counsel’s Advice not usually required Medical Report not usually requited.

Ad-Hoc Applications

Application is free Guardian Legal Services manage the processing of your application free of charge Ad Hoc applications do not bind you to any particular insurer They remove the need to apply for panel membership to a particular insurer Ad Hoc application is suited to firms engaging only in a smaller number of cases per annum or who only tend to handle complex or catastrophic injury cases.

Contact us for details of making an Ad-Hoc application for ATE Insurance or go to our documents section and print off an Application Form and our Notes to Assist you

Telephone 0844 414 2124 or email info@guardianlegal.co.uk