Frequently asked questions

  • Solicitor FAQs
What is ‘after the event’ (ATE) insurance?

ATE is a type of legal expenses insurance taken out after a legal dispute has arisen. It’s intended to cover the costs of taking a case to trial and protects the policyholder from the risk of having to pay their own disbursements and the opponent’s costs and disbursements, particularly in the event that the case is lost.

ATE products will cover a variety of costs including counsel’s fees, court fees and expert reports.

How does the client pay for their ATE insurance?

ATE premiums are generally no longer recoverable from the other side, so where the policy is taken out after 1st April 2013 the cost of the premium is payable by the policyholder and is commonly deducted from the compensation awarded. It’s important to note that all of our products are self-insured meaning if the case is lost there will be nothing for your client to pay.

Is delegated authority available for ATE?

At DAS we do work with firms on a delegated authority basis for ATE. This is subject to the value of the case, a firm's volume, case performance history and ability to demonstrate their success and specialism in the relevant area of litigation. If we agree that we are able to work with you a on a delegated authority basis your firm will be required to enter into an insurance agency and mutual business agreement with DAS.

How does ATE differ from traditional insurance?

Traditional legal expenses insurance is intended to protect the policyholder from the risk of legal costs arising from an event which may occur in the future. ATE is a specialist insurance product, which can only be purchased once an event has already happened, i.e. for personal injury cases, the injury must have already occurred.

How much does ATE cost?

The cost of ATE insurance depends on the type of claim and the stage it is at when the policy is purchased, so the earlier the policy is taken out, the more economical for the client. Premiums can be either staged or non-staged, with staged premiums usually calculated as a percentage of the cover required. At DAS we don’t charge an assessment fee so if you have a case in mind, contact us to discuss it with the team.

News and insights

2018 , LEI news insights , Innovation , Events DAS unveils stand line-up for BIBA 2018

This year DAS will be hosting the stand with HSB Engineering Insurance, which is part of Munich Re, the majority shareholder in ERGO.

May 2018
LEI news insights DAS partners with VM Insurance to create bespoke motorhome and campervan product

DAS UK Group, the UK’s leading legal expenses insurer, has partnered with campervan and motorhome insurance specialist VM Insurance to provide a bespoke motor breakdown scheme for motorhomes and campervans.

December 2017
LEI news insights Insurance industry facing challenges to improve understanding of legal expenses insurance

A survey of 250 UK insurance brokers by DAS UK Group, the UK’s leading legal expenses insurer, has found that the insurance industry is still faced with challenges when it comes to the understanding and selling of legal expenses insurance.

October 2017
LEI news insights Personal injury reforms could spark increased demand for motor LEI

Legal expenses insurers will pick up the baton as Ministry of Justice whiplash reforms reduce access to justice for many.

March 2017
GDPR DAS and Geo Underwriting Combine to Transform Cyber Insurance Market

DAS has partnered with Geo Underwriting to launch the UK’s first high-net-worth (HNW) Private Clients home insurance product.

February 2018
LEI news insights CIPS Ethical Practice Kite Mark awarded to DAS

DAS UK Group has been awarded the CIPS Kite Mark for Ethical Procurement and Supply for 2018.

March 2018
LEI news insights 4 Out of 10 UK brokers unaware of GDPR changes: DAS survey

A survey of 250 UK insurance brokers has found that 39% are unaware of GDPR, the European Union’s major data protection overhaul.

October 2017
LEI news insights UK brokers give Brexit confidence boost to London insurance market

The latest business confidence survey conducted on behalf of DAS UK Group has found that 80% of UK insurance brokers expect London to retain its place as a leading global insurance market, despite the country’s decision to leave the European Union.

October 2017