When is it suitable to buy ATE insurance?
ATE policies are designed to work alongside the solicitor’s agreement with their client, such as a conditional fee agreement (CFA).
Your solicitor will normally include ATE as an option in their overall proposition and advise you about the protection it can offer.
If you decide to take out an ATE policy, it is bought at the beginning of the legal action or before a letter of claim is sent to the Defendant.
In some circumstances an ATE policy can be bought after this has happened but it is unlikely the policy can be backdated to cover costs which have already been incurred.
We do not distribute legal expenses on a direct basis.