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 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.

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.

News and insights

LEI news insights , Events , 2019 , ATE AvMA 2019: Women in law talk ATE

To mark the centenary of the Sex Disqualification (Removal) Act 1919, we got some female perspectives on ATE insurance and the role it plays in supporting access to justice.

June 2019
LEI news insights , Events , 2019 , ATE AvMA 2019: The Evolution of ATE

With the AvMA Annual Clinical Negligence Conference (ACNC) taking place in Leeds this week, Robyn Lampon from DAS UK Group looks at how ATE insurance has evolved over the last 20 years.

June 2019
LEI news insights , Innovation , 2019 BIBA 2019: Did it lead the way on social?

Now that the BIBA bubble has burst for another year, Social Media Executive Steph Davies takes a look back at BIBA 2019 and asks: Was it a success on social?

May 2019
LEI news insights , Products , 2019 Not all LEI is created equal

In response to some general criticism of Legal Expenses Insurance (LEI) in the press recently, Nathan Holt, Head of Trading Underwriting at DAS UK, sets the record straight.

May 2019
LEI news insights , Innovation , Events , 2019 BIBA19: Tweeting the way

Ahead of BIBA 2019, Stephanie Davies – Social Media Executive at DAS UK – takes a look at how social media can be used to make an impression and maximise value from the biggest insurance broker event of the year.

May 2019
LEI news insights , 2019 , ATE Fixed recoverable costs in clinical negligence claims: the prog rock of consultations

Two years on the government’s consultation on fixed recoverable costs, ATE Underwriting Manager David Brown restates the DAS position on this highly complex issue.

April 2019
LEI news insights , 2019 , ATE SCIL 2019: A meeting of minds

Fran Clothier, DAS UK Group’s ATE Business Partnership Manager, shares her thoughts on the thought provoking annual SCIL (Society of Clinical Injury Lawyers) conference which took place in Birmingham recently.

April 2019
2018 , LEI news insights Underwriting Brexit for landlords – 3 potential outcomes

Nathan Holt, Head of Trading Underwriting at DAS, looks at how things could end up for landlords in the unknown post-Brexit landscape.

November 2018
2018 , LEI news insights , Innovation A golden opportunity for ATE to innovate

Enrique Gomez, Head of ATE at DAS UK Group, looks at how the time is right for innovation in the ATE sector.

July 2018
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 , ATE Recovery of post-LASPO ATE premiums: an underwriter’s perspective

Despite post-LASPO after-the-event insurance (ATE) policies being more relevant now than ever in terms of access to justice, their premiums receive criticism.

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