'SafetyNet'

"Day one ATE cover for standard personal injury risks".

This ATE product covers a case from the effective date of your CFA with the client (Day One) and is designed to be very simple to administer.Providing that the case has, in your opinion, a better than 50% chance of success, and where you are prepared to act on a CFA, we are prepared to provide cover for ‘standard’ EL, PL and RTA risks.

• Our premiums are competitive and deferred until the conclusion of costs negotiations.
• Staged premiums enable us to keep the cost low on simple, straight forward cases that settle without litigation.
• The policy covers the premium in the event of the claim failing and will also, subject to requirements, cover any shortfall in premium where you are unable to recover this from the defendants.
• No minimum numbers are required, although we do expect you to advise your clients to insure cases under the SafetyNet scheme where no pre-existing insurance is in place and where it does not conflict with the client’s best interests.
• £50,000 limit of indemnity as standard. This can be increased where circumstances of the risk necessitate.
• Unlike policies provided by some other insurers the client continues to be covered for adverse costs after a Part 36 offer, without any offset clauses.

Non standard cases, such as class actions and cases within six months of limitation, are excluded from the SafetyNet scheme but we will be pleased to consider these on an individual basis.

'BeSpoke'

"ATE cover for non standard personal injury risks".

Keystone has considerable experience in underwriting 'one-off' personal injury cases and will consider any case on an individual basis, including cases approaching or already well into litigation, whether or not liability or quantum is disputed.

• Our premiums are competitive and deferred until the conclusion of costs negotiations
• All policies are individually underwritten and premiums are staged. On cases that proceed into litigation this enables us to set premiums that reflect the risk, thus demonstrating our commitment to the insured’s claim.
• The policy covers the premium in the event of the claim failing.
• One-off cover, with no minimum numbers of cases required.
• £50,000 limit of indemnity as standard. This can be increased where circumstances of the risk necessitate.
• Unlike policies provided by some other insurers the client continues to be covered for adverse costs after a Part 36 offer, without any offset clauses.

'BeSpoke Top Up'

"A policy that provides additional cover to an existing policy".

We will consider cases where the limit of indemnity under an existing BTE or ATE policy has been, or is at risk of being, exhausted and additional indemnity is required. Cover may also be provided where existing policies are deficient in respect of cover for quantum disputes where Part 36 offers have been made.

• Our premiums are deferred until the conclusion of costs negotiations.
• All premiums are staged and are individually underwritten. On cases that proceed into litigation this enables us to set premiums that reflect the risk, thus ensuring our commitment to any claim.
• The policy covers the premium in the event of the claim failing.
• One-off cover with no minimum numbers of cases required.
• The standard limit of indemnity is £50,000, this limit will be increased to reflect the risk on any given case.
• Unlike policies provided by some other insurers the client continues to be covered for adverse costs after a Part 36 offer, without any offset clauses.

'GroupProtect'

"A low cost Group policy for solicitors covering the disbursements and adverse costs exposure and designed to help retain clients who have existing BTE insurance".

Keystone understands just how difficult and competitive it can be to retain clients, and in particular how frustrating it is to lose a client to a BTE insurer. Even where that client is retained, the BTE insurer is likely to make it as difficult as possible for you to act.

Keystone's 'GroupProtect' policy helps alleviate these problems. Together with your CFA the policy provides legal expenses cover for all qualifying clients as soon as they instruct you to handle their personal injury case. Clients can retain their choice of solicitor and are effectively in the same position as if they had utilised their BTE insurance.

• A limit of indemnity of £50,000 per claim.
• Assists with matters of 'best advice' and avoids 'speccing'.
• Aids client retention where there is an existing BTE insurer.
• A small premium for each client placed on cover.