Housing Disrepair | Financial & Legal

What is Housing Disrepair After the Event Insurance?

Housing disrepair After the Event insurance (ATE) is a legal expenses policy taken out, after problems with a rented property have already arisen, to protect a social housing tenant from having to pay legal costs if a claim against their landlord is unsuccessful.

Who is it for?

Financial & Legal’s Housing Disrepair After the Event (ATE) insurance, available exclusively to our panel of specialist law firms, is designed to protect clients against the financial consequences of an unsuccessful claim, giving them the reassurance they need to proceed. For law firms, this means reduced exposure, improved client conversion, and the ability to run a greater volume of profitable cases.

What does it cover?

ATE insurance will cover the cost of own disbursements and opponents’ costs and disbursements if a claim is unsuccessful or discontinued.

Is there anything else you should know?

Subject to the terms and conditions of the policy wording, our policies offer:

Comprehensive cover with a limit of indemnity of £25k.
Cover for Failure to beat Part 36 offers included as standard.
Cover for enforcement claims included as standard.
Cover for interim costs orders.
No setoff of damages against costs.
We offer competitive single stage, deferred and self-insured premiums only payable upon successful conclusion of a claim.

Why partner with Financial and Legal?

We have over 20 years’ experience in After the Event Insurance.
We are the insurer, not an intermediary so your clients are protected directly by us.
A strong track record of financial stability and claims payment.
A straightforward application process to join our panel of specialist law firms.
We can tailor policies to suit your clients’ needs.
Fast, simple case submission, designed to support high volume workflows.
Delegated Authority to keep administration and reporting to a minimum.
Ongoing support from our experienced underwriting and account management teams.

What do I do now?

Click on the Get in Touch button, fill in your details and one of the team will get straight back to you.

Alternatively, contact Richard Whale, ATE Business Development manager, on 07345 603 441, or email [email protected]

“The service we receive is exceptional. Financial & Legal are always 100% committed to their clients, providing invaluable swift and professional service, going above and beyond to help. The way the team liaise with our clients is exceptional from start to finish; they deal with matters sensitively and diplomatically, which is vital at a time when clients are understandably vulnerable and have an ongoing legal case.”

Charlotte Roberts, Owner of Anglesey Insurance Services LTD

“We were looking for more than just an insurer. We wanted to work with professionals who understood our business and risks and who could see the bigger picture. With Financial and Legal we have a dedicated team, who listen to us and develop the products we need.”

True Solicitors

“Having been with a larger insurer we seemed to have become stagnant in waiting for decisions and also experienced a lack of innovation. The Financial and Legal team and their personal approach means we can now sell products with the confidence that we are providing our clients with maximum security and protection.”