A CFA/DBA is a funding agreement commonly used for claims like yours. It is a 'no win, no fee' type of agreement, meaning if your claim is unsuccessful and you have complied with the agreement's terms, you will not be required to pay our fees.

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

If your claim is unsuccessful, you will not be charged for the services provided by our firm. We operate on a 'no win, no fee' basis.

Yes, to fund the progression of your claim and the associated disbursements, you can take out a loan with Sandfield Capital, which we will apply for on your behalf. This loan is non-recourse, meaning you won't be required to make any payments until the end of your claim. It will not impact your credit file, as Sandfield conducts a soft credit search visible only to you.

The loan can be used to fund various items such as expert reports, court fees, counsel's fees, and other necessary expenses related to your claim.

A: Yes, there are draw down fees charged at £95.00 per draw down. However, these fees are limited to a maximum of three fees per claim so the maximum draw down fee is £285.

A: 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.

Yes, there are alternative ways to fund your claim, such as payment on account, personal loan, or credit card. If you prefer an alternative method, please contact us to discuss your options.

The maximum amount deducted from your damages to cover our fees is 25% plus VAT. However, please note that there are additional costs associated with funding the matter, which may vary depending on how it is financed.

Yes, it is possible for you to pursue your claim for compensation without the help of solicitors or a claims management company. You have the right to seek further advice and explore other providers of legal or claims management services.

After the Event insurance provides insurance cover of up to £15,000 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.

Your legal obligation to pay opponents costs and own disbursements which we have agreed to indemnify up to the maximum limit of £15,000.

1. Own disbursements and opponent's costs
• arising out of an unsuccessful personal litigation claim brought in England & Wales;
• that you become liable to pay as a result of a failure to beat an offer made by your opponent, if we authorised rejection of the offer;
• that you become liable to pay as a result of discontinuing the litigation with our authority;
• that you become liable to pay as a result of an appeal brought by your opponent if you are successful in your claim;
• that you become liable to pay as a result of an appeal brought by you with case manager’s approval, if you are unsuccessful in your claim at first instance.


2. Counsels fees: up to the sum of £5,000 inclusive of VAT where 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 cas

England and Wales

• You must keep to the terms and conditions of the policy.
• You must ask your solicitor to notify us if the prospects of success in your claim fall below 60%.
• You must make available to your solicitor, at your own expense, all information, documents and evidence which may be relevant to your solicitor’s appraisal and conduct of the litigation.
• You must act in a way to minimise your insured liability.

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 will be 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.

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

Please check whether you have a legal expenses insurance policy that is 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 by your insurer and your policy provides sufficient insurance to run your claim and fund your disbursements, we will cancel the ATE policy, and you will not be required to pay the premium for it.