ClinNeg

This site provides information about after the event insurance products for clinical negligence cases funded by conditional fee agreements - to help widen access to justice.

List of Insurance Providers (click to jump to)

1. 1st Class Legal

2. Amicus Legal

3. ARAG

4. Benchmark Insurance

5. 80e

6. Elite

7. FirstAssist Legal

8. Ibex Legal

9. IGI Legal Assist

10. LAMP

11. LawAssist

12. medicATE cover

13. medicATE insurance

14. RemedyLegal

15. Temple Legal Protection

1. 1st Class Legal

Name:	1st Class Legal
Date established:	2005
Website:	www.ateinsurance.com
Address:	1st Class Legal (IS) Ltd, Mercury House, Shrewsbury Business Park, Shrewsbury, Shropshire SY2 6LG
Telephone:	0845 241 2076
Email:	ate@1stassistlegal.com
Authority:	Individually assessed
Premium cost:	1st Class Legal (IS) Ltd have successfully negotiated a unique and exclusive Clinical Negligence ATE Policy that for the first time, breaks the chicken and egg scenario whereby a positive liability and causation report is normally required to be obtained at the clients expense before an application can be made for ATE insurance. The 1st Class Legal system provides four stepped levels of cover: 1. Level 1 - £2,000 report-only cover for a premium of £600 2. Level 2 - £8,000 pre-issue cover for a premium of £2000 3. Level 3 - £40,000 post-issue cover for a premium of £11,000 4. Level 4 - £60,000 additional cover pre-trial for a premium of £21,000 In all cases the Policy covers the premium and any interest on a CCA loan taken out by the client to fund it and any disbursements if applicable and other funding options may be available. In every case the opponents will have the opportunity to settle the case before the next level of premium is incurred, and most cases so far have settled with only a premium level of £2,600 plus IPT having been incurred. [ClinNeg note: The levels of cover and premium costs appear to be cumulative.]
When paid:	Deferred for the last 2 levels of cover
Own counsel's fees:	Yes
Underwriters:	Elite Insurance
Disbursement funding:	see level 1 above; contact insurer for details.
Notes:	£100 (plus VAT) non-refundable assessment fee; detailed application and reporting requirements; no minimum number of cases. Generally, the scheme is only available to solicitors who are members of either the Law Society Clinical Negligence panel and/or the AvMA (Action against Medical Accidents) referral panel and/or have specialise in and have extensive relevant experience of clinical negligence practice. Policy covers cost of premium.

2. Amicus Legal

Name:	Amicus Legal
Date established:	1998
Website:	www.amicuslegal.co.uk
Address:	The Old Exchange, 64 West Stockwell Street, Colchester, CO1 1HE
Telephone:	01206 366500
Email:	enquiries@amicuslegal.co.uk
Authority:	All cases individually assessed
Premium cost:	£2,500
When paid:	Premium paid outset or deferred
Own counsel's fees:
Underwriters:	DAS
Disbursement funding:	No
Notes:	There is £250 assessment for clinical negligence cases refundable against premium if insurance taken out. No minimum number of cases.

3. ARAG

Name:	ARAG
Date established:	2006
Website:	www.arag.co.uk
Address:	Froomsgate House, Rupert Street, Bristol BS1 2QJ
Telephone:	0117 917 1688
Email:	enquiries@arag.co.uk
Authority:	Individually assessed
Premium cost:	from £3,750
When paid:	at outset or deferred
Own counsel's fees:
Underwriters:
Disbursement funding:	No
Notes:

4. Benchmark Insurance

Name:	Benchmark Insurance
Date established:
Website:	www.benchmarkinsurance.co.uk
Address:	1430 Montagu Court, Kettering Parkway, Kettering, Northants, NN15 6XR. Tel: 01536 527500
Telephone:	0800 376 1001
Email:	info@benchmarkinsurance.co.uk
Authority:	Delegated authority
Premium cost:	All premiums are bespoke and managed in 3 stages: Stage 1 - cover up to the issue of proceedings Stage 2 - cover up to 60 days pre-trial Stage 3 - cover for trial
When paid:	Deferred
Own counsel's fees:
Underwriters:	Allianz Legal Protection
Disbursement funding:
Notes:	Benchmark is a trademark of National Accident Helpline Limited, 1430 Montagu Court, Kettering Parkway, Kettering, Northants, NN15 6XR. Tel: 01536 527500

5. 80e

Name:	80e
Date established:	1999
Website:	www.80e.com
Address:	DAS House, Quay Side, Temple Back, Bristol BS1
Telephone:	0117 934 0087
Email:	info@80e.com
Authority:	Delegated
Premium cost:
When paid:
Own counsel's fees:
Underwriters:	DAS
Disbursement funding:
Notes:	Deals with intermediaries and scheme solicitors

6. Elite Insurance

Name:	Elite Insurance
Date established:	2005
Website:	www.elite-insurance.co.uk
Address:	Newton Chambers, Newton Business Park, Isaac Newton Way, Grantham, Lincolnshire NG31 9RT
Telephone:	0845 601 1221
Email:	enquiries@elite-insurance.co.uk
Authority:	individually assessed and delegated authority
Premium cost:	staged and quarterly
When paid:	outset and deferred
Own counsel's fees:	Yes
Underwriters:	Elite Insurance Company Ltd
Disbursement funding:	Yes
Notes:	Elite Insurance are underwriters and provide wcheme and bespoke insurance.

7. FirstAssist Legal

Name:

FirstAssist Legal

Date established:

1999

Website:

www.firstassistlegal.co.uk

Address:

Marshall's Court, Marshall's Road, Sutton, Surrey SM1 4DU

Telephone:

020 8652 1354

Email:

enquiries@firstassistlegal.co.uk

Authority:

Individually assessed and delegated authority

Premium cost:

Refer to Accord with NHS Litigation Authority dated 1 December 2005

Pursuit-rated cases
(100 - % prospects of success) x {D's costs + C's disbursements}
(% prospects of success)

Additional 10% allowed for administration, additional 10% allowed for brokerage

Staged Premium schemes

Quantum below £40,000

Settle before service of proceedings	£5,000
Settle less than 90 days after exchange expert reports	£10,000
Settle at later stage	£12,000

Quantum above £40,000

Settle before service of proceedings	£5,000
Settle less than 90 days after exchange expert reports	£12,000
Settle at later stage	£18,000

These rates may have changed since 2005.

When paid:

deferred

Own counsel's fees:

Underwriters:

Great Lakes Reinsurance (UK) Ltd

Disbursement funding:

Notes:

premium payable only if C wins; automatic cover up to £2 million; Premium calculation approval from the Supreme Court Costs Office, so premium recoverability is not an issue (but note: NHSLA says Accord is non-binding statement of intent and FirstAssist say Accord is a gentleman's agreement).