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 , ATE , 2020 We can all do more to help clients and customers

Alison Whitcombe, Propositions Manager at DAS, looks at how the ATE industry can do more to help clients and customers.

August 2020
LEI news insights , 2020 ABC v St George’s Healthcare NHS Foundation Trust: The Repercussions for Clinical Negligence

Jane Harper, ATE Technician, DAS UK Group looks at the ABC v St George’s Healthcare NHS Foundation Trust case which will have huge repercussions for clinical negligence.

July 2020
LEI news insights , 2020 LEI: the UK’s most important insurance cover?

Legal expenses insurance has a major part to play in giving people and SMEs everyday peace of mind, now more than ever before.

June 2020
LEI news insights , ATE , 2020 2020: Predictions for ATE and law

2019 was another interesting year across the clinical negligence, civil litigation and personal injury sectors. We asked some of our ATE team and solicitor partners what their predictions are for 2020…

January 2020
LEI news insights , 2019 , ATE 2019: Achievements, fears and tech in law and ATE

We asked some of our ATE team and solicitor partners what their achievements were, what their fears are, and what they thought of the latest technological developments.

December 2019
LEI news insights , 2019 , ATE 2019: The highs and lows in law and ATE

It’s been another interesting year across the clinical negligence, civil litigation and personal injury sectors. We asked some of our ATE team and solicitor partners for their thoughts on 2019.

December 2019
LEI news insights , Innovation , 2019 DAS and Goodlord launch new Rent and Legal Protection policy

DAS has partnered with property technology company Goodlord to launch a new Rent and Legal Protection policy for Goodlord customers.

September 2019
LEI news insights , 2019 , ATE West & Demouilpied – What now for the ATE market?

The recent court decision of West & Demouilpied was a potentially huge moment for the ATE market. David Brown breaks down the potential impact on ATE premiums and more.

August 2019
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