Q: What makes you different from other companies dealing with after-the-event insurance?

 A: We are independent brokers. We do not sell our own policies – we deal with a number of different insurers to obtain the most appropriate policies for you and your clients. Unlike many brokers our service does not end at the inception of the policy, we provide premium recoverability support to our solicitor and insurer clients at the conclusion of the case.  

 Q: Do I have to act under a Conditional Fee Agreement for insurance to be available?

 A: This depends. In personal injury and clinical negligence cases, the insurers we deal with will only provide insurance if you are acting under a Conditional Fee Agreement. In other cases, insurance may be available, although there will be fewer insurers we can approach, so it may be more difficult to obtain a quotation.

 Q: Can you arrange deferred premiums?

 A: Deferred premiums are often available, provided you are acting under a Conditional Fee Agreement.

 Q: What about disbursement funding?

 A: The insurers themselves do not offer disbursement funding, although we can put you in touch with other companies who can arrange this.

 Q: I would like to insure all my personal injury cases, but most insurers insist on a minimum number of at least 100 per year and I do not handle this many. Can you help?

 A: Yes. We can arrange a full delegated authority policy if you handle as few as 25 cases per year, or a policy where there is a presumption of acceptance if you handle as few as 12 per year.

 Q: From time to time I need insurance for cases which are not personal injury – can you help?

 A: Yes. We have a panel of insurers which can consider cases other than personal injury.

 Q: How do you charge?

 A: We charge competitive applications fees for individual one-off referrals. For personal injury cases referred under OPTION 3, the fee is £80 plus VAT. For all other individual non-personal injury referrals (inc. clinical negligence cases) the fee is £149 plus VAT. We derive most of our income by commissions paid by the insurance company.

 Q: Are commission payments recoverable as part of the premium?

 A: Yes. Reasonable commission is a legitimate part of an insurance contract. Some of our competitors charge insurers rates of commission which unnecessarily inflate the cost of insurance premiums. We believe our commission is the lowest in the market and we undertake to forego any commission in the unlikely event that a court decides to reduce the premium because of the level of commission charged. This is an undertaking which we have always been happy to give and since premium recoverability was introduced, our commission levels have remained the same and we have never had to refund or forego any entitlement to commission.   

Any other questions? Please call us on 01903 23 22 55 or email us.