ATE personal injury insurance

ATE clinical negligence insurance

Commercial motor & fleet legal expenses insurance

Commercial legal expenses insurance

Household legal expenses insurance

Residential landlords legal expenses insurance

Legal expenses insurance (LEI) is an insurance policy taken out by an individual or business to cover the legal costs associated with certain legal actions.

LEI can be taken out on a before the event (BTE) basis as an optional add-on cover to a home, motor or commercial insurance policy. This provides you with financial protection in case a legal dispute happens and the product as usually bought as optional add-on cover to a home, motor or commercial insurance policy.

This protects you from being liable for the cost of your own disbursements and the other side’s legal fees.

With BTE and ATE insurance, there must be a 51% chance or higher prospect of success.

woman on calculator

ALP | Dec 04, 2023

Choosing the right After The Event (ATE) insurance provider is important. So, solicitors need to ensure they’re partnering with providers who will adequately protect their clients throughout their legal action – no matter how long it takes.
desk with chair

ALP | Oct 25, 2023

The current economic landscape is piling pressure on the decision makers at the top of businesses. So, it’s important for businesses to consider their legal obligations when considering redundancies, so they don’t find themselves in a legal battle. 
lady justice

ALP | Aug 14, 2023

Reports of delays might not be new, but they continue to get longer and longer. Last May, it was newsworthy that Thanet County Court had a wait time of over 456 days (15 months). But these figures are shadowed by the latest statistics from Dartford in June 2023, who’re running at 829 days.
Regulatory commitment

It is our commitment to uphold a regulatory culture which is compliant with all regulatory principles and rules, day in, day out.

Embracing the principles and rules of regulation and embedding them within our business is a collective responsibility. It is not only good for business but also a fundamental requirement for us all if we are to be the most successful competitor in our chosen markets. We aim to have a positive, open and constructive relationship with with our regulators, the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA).

Customer commitment
We will treat our customers fairly and consistently, as we would wish to be treated ourselves.

Fair understanding and communication

We will:

  • conduct appropriate customer research to help design our products and services.
  • ensure that our customers understand their responsibilities and obligations.
  • provide information which enables customers to make informed purchase decisions.
  • use written and spoken language that is relevant, easy to understand and avoids unnecessary complexity.
  • be clear about product terms and prices.
  • ensure that customers understand what they pay for.
  • aim to ensure that our customers do not experience any surprises.

Fair service and distribution

We will:

  • give our customers the services they have paid for.
  • respond promptly, in a friendly manner.
  • only use customer information for the agreed purpose.
  • ensure appropriately trained staff are available.
  • inform customers of the nature of our relationships with intermediaries.
  • ensure that commission structures do not encourage the promotion of unsuitable products.


Fair claims

When our customers make a claim we will:

  • ensure the customer is clear about the progress of theclaim at every stage and the timescale of the claim.
  • be empathetic and understanding.
  • act promptly and efficiently.
  • ensure the customer understands the extent of acceptance of their claim and any limiting policy terms and conditions.
  • explain the reasons for our decisions.

Fair feedback and complaints

When our customers offer feedback, or express dissatisfaction, we will:

  • listen to them carefully.
  • respond quickly and effectively.
  • learn from the feedback and use it to continually improve our service.
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This promotional material is intended for law firms use only and no-one else should rely upon it.
It must not be made available to anyone other than the intended recipient, either in its original form or any reproduction.