Peter Morgan Senior Underwriter

01483 514800


ATE Personal Injury Insurance

Temple have been offering delegated authority schemes since 1999 and our experience in the market is unrivalled, having been involved in almost all of the cases that have established the law in the area of ATE insurance.

Our underwriting consists of both personal injury solicitors and insurance professionals which allows us to provide prompt decisions whenever they are needed.

If you wish to proceed with the scheme then please complete the application form below and return it to us. On receipt we will arrange to visit you to discuss the finer details of the scheme and the expectations of each party.

We understand that it is your objective to exceed your clients’ expectations. We look forward to helping you to achieve this by aiming to provide the best litigation insurance protection for your clients.

Personal Injury Scheme Overview

At Temple we can offer delegated authority schemes that allow a firm to issue certificates of insurance to their clients directly without referral to us.

Once a policy has been issued, the scheme provides full delegation in respect of the case management, which gives the firm freedom to run cases to trial without having to obtain our consent at any stage, such as when you wish to issue proceedings or reject offers of settlement.

We do not insist on written updates at various stages throughout the life of a policy as all updates are provided by way of a simple set of ‘status codes’ on Temple’s Online Policy System (TOPS).

What are the benefits of the scheme?

To you:

  • Protect yourselves against professional negligence claims by meeting your obligation under the Solicitors Code of Conduct by discussing with your client their insurance options
  • Have a strong offering to attract clients who would otherwise be wary of pursuing litigation
  • Impress clients and build loyalty by protecting them against any adverse costs orders
  • Fixed ATE insurance premiums that allow you to plan ahead with client regarding the potential deductions from the client's damages if the case is successful

To clients:

  • A combination of a CFA and ATE insurance ensures that your clients can pursue
    litigation without fear of having to pay any adverse costs orders
  • The premium is deferred until the conclusion of the legal action
  • The premium is self-insured so your client will not have to pay the premium if the case is unsuccessful
  • It creates a level playing field for those clients without the financial strength of their opponents

How does the scheme work?

If you agree to act for a new client under a CFA or an appropriate retainer and this client does not have any other methods of funding available then that client is eligible for ATE insurance.


You then undertake a risk assessment and provided that you consider the prospects of success to be 51%, and the case falls within the parameters of the scheme, then you can issue a policy to your client via TOPS.

Once the client is insured you provide Temple with updates at the important stages of the litigation (such as when issuing proceedings) by simply updating the status via TOPS.

If the case is successful, the premium is recovered from your opponents and if it is unsuccessful, you can complete a claim form and submit details of your claim to Temple.

Key features of a delegated scheme from Temple

  • Cases with prospects of success of 51% and above can be insured
  • Reporting requirements are kept to a minimum and you do not need our consent to issue proceedings or reject offers of settlement
  • All policies have a limit of indemnity of £100,000
  • Competitive premium levels
  • Our delegated authority scheme provides full Part 36 cover
  • Our premiums are stepped and include a reduced premium in the event that liability is admitted during the protocol period and the matter settles pre-issue or within the MOJ portal

Benefits of using Temple

  • We can offer full delegated authority, which is becoming increasingly rare in this market
  • We cover a wide range of personal injury disputes
  • We make no charge for assessment of a case falling outside the scheme
  • We make prompt underwriting decisions
  • Insurance covers own disbursements as well as adverse costs
  • Our cover is fully retrospective
  • Premiums are deferred until the end of the case
  • Premiums are stepped so that the cost is less if the case settles early
  • Premiums are self-insured
  • Premiums are competitive
  • Full Part 36 cover is provided under all of our policies
  • You will have an experienced scheme manager
  • We have a supportive approach in respect of offers that you feel should be rejected
  • We seek to build relationships that are mutually beneficial
  • We provide intelligent support through the life of policy
  • We have a pragmatic approach in respect of settlement negotiations
  • You have direct access to experienced Underwriters
  • We are flexible and will discuss your needs and requirements to provide you with the optimum ATE insurance solution

Please call us now in confidence on 01483 577 877 to find out how legal expenses insurance from Temple can help you and your clients.

Alternatively, click below to make an enquiry:

make an enquiry

Download a proposal
form or submit a new