Paying your solicitor’s costs may sound complicated and confusing – but don’t be alarmed. We will explain it all to you so you can choose which method best suits your needs.
No Win, No Fee
This is also known as a conditional fee agreement in England and Wales. In Scotland, this is called a speculative fee agreement.
It is an agreement between a solicitor and their client where, if their case is unsuccessful, the client does not pay any legal fees to their solicitor. No win no fee arrangements take the risk out of making a claim, as there are no upfront fees or unexpected costs, and you will not be left out of pocket.
In April 2013 the Government introduced changes to the way the system works in England and Wales. Solicitors can still offer a no win no fee service, but you may be expected to contribute to your legal costs from any compensation you receive. However, if your claim is unsuccessful for whatever reason, no costs are payable by you, as we will ensure that you will have insurance in place at the start of the claim to cover any costs which you may be liable to pay.
The system of paying for your legal costs can vary according to the type of claim, for example, claims for asbestos related illness or clinical negligence. We will discuss these options with you when we have an understanding of your claim.
Legal Expense Insurance
This insurance is also known as ‘before the event’ (BTE) or ‘after the event’ (ATE) insurance, as it is cover for legal costs purchased either before having your accident or afterwards, specifically to make a claim.
BTE insurance is usually added on to your motor or household contents insurance policy. It is insurance which is specifically aimed at paying legal fees.
ATE insurance needs to be arranged after the accident if you do not have BTE cover, should you decide to make a claim. We will help you with this process.
You should locate all your insurance policies that were live at the time of your accident and send them to us so that we can check whether the BTE cover you have deals with the type of claim you want to make.
This insurance may also be attached to any union or professional memberships that you have, as well as any credit cards that you hold.
We will always be open and transparent with you about our charges and ensure that we discuss all of the options with you, so that you can make an informed decision.
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