Another issue this raised was the availability of ‘top up’ insurance. Whilst indemnity limits are pitched at a similar level across the market and are suitable for most cases, there’s always going to be the need for extra indemnity on cases that are complex, of very high value and where there are Part 36 offers. The group’s experience over a number of years with different providers was that some wouldn’t provide ‘top up’, even on cases with good prospects of success. This meant finding a new provider late in the day and customers paying very high premiums often disproportionate to the risk or level of damages.
So the conclusion is to do your homework on an ATE provider; ask them the right questions to make sure they’re the right choice and will be there for the customer in their moment of need – now and in years to come.