After the Event Insurance
When pursuing a claim for personal injury compensation on a No Win No Fee basis, should you lose, you will not be charged by your solicitor for the time spent on the claim.
It is likely however that expenses will have been incurred in pursuing the claim which may have to be repaid under the terms of the agreement. These expenses (known as disbursements) may include the cost of obtaining medical records, instructing a medical expert and issuing Court Proceedings.
Such disbursements can be expensive particularly in a complex compensation claim where a significant amount of medical evidence or other expert evidence has been necessary. In addition in certain circumstances you may have to pay the legal costs and disbursements incurred by the Defendant where the personal injury claim has been unsuccessful.
After the Event Insurance (often referred to as ATE Insurance) can often be obtained in order to meet the costs and disbursements which may become payable where a claim for compensation is unsuccessful. This insurance, as the name suggests is taken out after the claim has commenced. The premium charged by the insurance company is normally on a ‘deferred basis’ which means that it will only become payable at the conclusion of the claim itself.
In addition most policies contain a clause which confirms that the premium will not be payable in the event that the claim is unsuccessful. It is effectively No Win No Fee insurance.
After the Event Insurance will not usually be required if your claim is funded by your Trade Union or you have the benefit of Legal Indemnity Insurance (often referred to as Before the Event Insurance) although on occasions ‘top up’ insurance may be required on an ‘After the Event’ basis. This may be necessary where the level of cover provided by the Legal Indemnity Insurer or Trade Union is limited to a certain sum.
At Sintons our personal injury specialists are able to advise you on all issues relating to the funding of your claim and on suitable After the Event Insurance where this is necessary.
Full advice will be provided regarding the need for such insurance and the most appropriate policy in the circumstances. All personal injury claims are pursued on a No Win No Fee basis although it will not always be necessary to obtain After the Event Insurance.
To begin a personal injury compensation claim or obtain further advice with no obligation contact Sintons 24/7.
Latest News
We’re delighted to welcome our newest intake of talent, as well as announce seat rotations for our progressing trainees and solicitor apprentices.
Welcoming our 1st-year Trainees & Apprentice: Finlay Dorman (Neurotrauma), Jake Bowyer (Family), Alexandra Bailey (Real Estate), Florence Read (Real Estate), and Anna Stanley (Wills, Trusts & Estates).
Celebrating our Seat Rotations:
• Ellie Stannard ➔ Employment
• Beth Tait ➔ Wills, Trusts & Estates
• Lewis Cooper ➔ Corporate
• Sabrina Jackland ➔ Dispute Resolution
• Sophie Lemon ➔ Residential Property
• Lucy Hunter ➔ Court of Protection
Plus, Faith Ramsay and Alex Patterson continue their great work in their current seats.
Wishing everyone the best of luck in this next chapter of their legal careers with us.
#EarlyCareers #LegalJobs #TraineeSolicitors #Apprenticeships #Sintons
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Sep 14
Sintons is proud to support Major Trauma Awareness Week 2026 with @dayonetrauma. This year`s message: "I lost my life when I didn`t die." Only 1 in 10 survivors of life-changing injury get the full support they need to rebuild their lives.
Find out more: https://tinyurl.com/mryxtz3p
#MajorTraumaAwarenessWeek #DayOneTrauma #MajorTrauma #TraumaSupport
Sep 14
Forced Blood Transfusion and the High Court`s Inherent Jurisdiction.
In Cumbria, Northumberland, Tyne and Wear NHS Foundation Trust & Anor v QF [2026] the High Court considered whether a hospital could lawfully administer a life-saving blood transfusion under s.63 MHA to a patient who was objecting? The court examined the interface between MHA and the MCA and concluded that in cases where compulsory treatment under the MHA raises exceptional issues and no effective means of challenge exists, the inherent jurisdiction can function as a safeguard.
https://tinyurl.com/23hehe4c
#BloodTransfusion
Sep 11
The first wave of post-AGNI reported decisions is here.
In AR (Whether restrictions amount to a deprivation of liberty) [2026] the court found that extensive restrictions in a supported living placement did not amount to a deprivation of liberty, offering an early glimpse into the post-Cheshire West landscape following the Supreme Court`s decision in AGNI.
https://tinyurl.com/yv2uzjhe
#DeprivationofLiberty
Sep 10
Join Sintons & Institute of Registered Case Managers for "Planning Futures, Learning From Practice" — an evening exploring regulation, duty of care vs funding decisions, and real-world insight for case management professionals.
Register: https://tinyurl.com/yhm8d9cw
#CaseManagement #IRCM
Sep 10
67% of people in the UK don`t have a Will, or theirs is outdated. Without one, the law decides who inherits — not you.
A Will isn`t about wealth. It`s about making your wishes clear https://tinyurl.com/4unbsmfs
#EstatePlanning #Wills #LegalAdvice
Sep 10
