A CFA/DBA is a commonly used funding agreement for claims of this nature. It operates on a 'no win, no fee' basis, meaning if your claim is unsuccessful and you have adhered to the agreement's terms, you will not be expected to pay us. We propose this agreement if you do not have an alternative means of funding your claim.

If your claim is successful, you will be required to pay us a maximum of 25% plus VAT of any sums or benefits you receive. This covers the fee for our services in handling your claim.

Yes, you can take out a loan with Sandfield Capital, which we will apply for on your behalf. The loan is non-recourse, meaning you won't have to make any payments until the end of your claim. It won't affect your credit file as Sandfield conducts a soft credit search visible only to you. This loan will enable your solicitor to fund items such as expert reports, court fees, and counsel's fees. The loan is fully covered by the ATE policy.

The draw down fees for the loan are charged at £95.00 per draw down. However, these fees are limited to a maximum of three fees per claim.

Yes, if you choose the loan funding method, Sandfield Capital will provide you with documentation that explains how the loan works. You will have an opportunity to review and understand the terms before signing the agreement. Additionally, you can find answers to frequently asked questions on the Sandfield Capital website.

Yes, alternative methods of funding your claim include payment on account, personal loan, or edit card. If you prefer an alternative way, please contact us to discuss the available options.

After the Event insurance provides insurance cover of up to the sum shown on your policy schedule in respect of your liability to pay own disbursements and opponent’s costs which we have agreed to indemnify if you are unsuccessful in pursuing a personal legal action for damages.

A: The cost of the ATE policy varies depending on the stage of your case. For Stage 1 (Pre-Issue), the cost is £3,080.00 including Insurance Premium Tax (IPT). For Stage 2 (Post-Issue), the cost is £1,680.00 including IPT.

The policy provides insurance coverage for specific legal obligations. These include:


1. Your legal obligation to pay opponents' costs and your own disbursements, which we have agreed to indemnify up to the maximum limit shown on your policy schedule.

2. Own disbursements and opponent's costs arising from:
• An unsuccessful personal litigation claim brought in England & Wales.
• Your liability to pay as a result of failing to beat an offer made by your opponent, provided we authorized the rejection of the offer.
• Your liability to pay as a result of discontinuing the litigation with our authority.
• Your liability to pay as a result of an appeal brought by your opponent if you are successful in your claim.
• Your liability to pay as a result of an appeal brought by you with the case manager's approval, if you are unsuccessful in your claim at first instance.

3. Counsel's fees: The policy covers counsel's fees up to a maximum sum of £5,000, inclusive of VAT when counsel is retained on a privately paying basis.

The policy does not provide cover for:

• Own solicitor's costs : Cover is for own disbursements and opponent’s costs.
Cover is only provided where you are more likely than not to be successful in the litigation. This is where the likelihood of winning is 60% or more.
Cover is not provided for costs incurred as a result of your failure to follow advice from your solicitor.
• Failure to comply : Cover is not provided for costs incurred as a result of your or your solicitor’s failure to comply with pre action protocols and court orders.
• Case manager’s approval : Cover is not provided for costs incurred as a result of actions taken by you or your solicitor without the approval of the case manager.

Reimbursement and offset: We may offset all sums recovered from an opponent against any claim due in respect of own disbursements and the opponent’s costs.
Appeals: Cover is only provided for appeals with the approval of the case manager.

England and Wales

The premium must be paid to us within fourteen days of the commencement date shown on your policy schedule. The premium is deemed paid and accepted on receipt by us.

Cover will start on the date stated on your schedule and end at the conclusion of the litigation.

You have the right to cancel this policy and receive a full refund by notifying us within 14 days cooling off period provided no claims have been made or notified to us.

Yes, if you win your claim, you are responsible for paying the premium for the ATE insurance to the underwriter. However, we will seek payment of this premium from your opponent as part of your claim for costs.

Please check whether you have a legal expenses insurance policy suitable for pursuing your claim. If you indicate that you have such coverage and wish to utilise it, we will contact your insurer and continue to correspond with them to obtain indemnity. If we are granted indemnity and your policy provides sufficient insurance to run your claim and fund your disbursements, we will cancel the ATE policy, and you won't have to pay the premium.

If you lose your claim, both the "No Win, No Fee" agreement and the insurance policy ensure that you won't have to pay any of the legal costs we incur on your behalf or any of your opponent's costs.