What is ATE Insurance?

 

After the Event (ATE) Insurance, also known as Legal Expenses Insurance, protects you against legal costs if your case is unsuccessful. It provides an indemnity for adverse costs, and in some cases, can cover disbursements or a portion of your own legal fees.

ATE insurance is available to anyone already involved in—or considering—a legal claim. It is widely used in the UK for litigation or arbitration and can also apply to international disputes. ATE can be taken alone or alongside Third Party Funding.

 

How ATE Works?

 

Protection against adverse costs: Covers the other side’s legal costs if you lose.

 

Own Costs and Disbursements: Can insure some or all off your expert and legal fees.

 

Eligibility: Insurers require the case to have good prospects of success.

 

Variety of policies: varying terms, coverage levels, and premium structures.

 

Premium Options

 

ATE premiums can be structured in different ways: Fully deferred/Partially deferred/Upfront and Staged

The right option depends on how you are funding your case and the risks involved. If paying legal fees and insurance premiums upfront is not feasible, Third Party Funding may be a better solution. See our Third Party Funding section for more details.

 

Why Choose Maxima

 

We work only with reputable, financially strong insurers, ensuring your cover is reliable. Maxima are specialists in ATE insurance, having placed coverage ranging from £20,000 to several million pounds per case.

Our service is personal, creative, and client-focused. We not only manage your insurance needs but also help guide expectations and support your case strategy, differentiating us from other providers in the market.

 

ATE & Funding Proposal Form