11271 DAS LawAssist eBrochure + VIDEOs Mar15

MARKET LEADINGATE COVER 1FOR SOLICITOR USE ONLY

CONTENTS 3INTRODUCTION TO DAS LAWASSIST 4BENEFITS OF ATE INSURANCE 6OUR PRODUCTS 7 8¡ Personal Injury 9¡ Clinical Negligence ¡ Civil Litigation 12ACCESS TO OUR PRODUCTS 13FREQUENTLY ASKED QUESTIONS BACK COVERCONTACT US 2

WHEN STRENGTH AND STABILITY MATTERCHOOSE DAS LAWASSISTDAS LawAssist is the specialist After The Event (ATE) insurance “Always professional, efficient and willing to assist,division of the DAS UK Group. I have no hesitation in recommending DAS LawAssist. Their knowledge of the market isOur strength is derived from our understanding and experience excellent, always current and you can rest assuredof the legal expenses insurance industry and through our that your clients’ interests are being looked after byongoing commitment to building long-lasting relationships with one of the best.”our solicitor firms. Tony May, Partner at Chadwick Lawrence LLPThis strength and stability has enabled us to remain successful inan ever changing legal landscape.100% OF OUR SOLICITOR PARTNERS WANTED TORENEW WITH US IN 2014 3

BENEFITS OF ATE INSURANCEATE insurance enables your client to transfer the risks involved with litigation to the insurance provider. This gives your clientpeace of mind that should their claim be lost or discontinued, they will not be left to face a large bill for costs.ADVANTAGES TO SOLICITORSHaving an ATE insurer backing your client’s case will furtherdemonstrate that the case has good merit and may encourage anearlier settlement. It sends the message you are in the litigationfor the duration having already minimised the financial costs risk.ATE insurance gives clients the confidence to see a case all the waythrough to conclusion meaning you don’t miss out on fee-earningwork, or have to drop cases due to the growing financial risks.ATE insurance is one effective way of ensuring you have met the SRAclient care rules governing the funding of litigation. ¡ Click on the image above to view the video. To view the video full screen click on the small square button in the controller. 4

ADVANTAGES OF USING DAS LAWASSISTOur commitment to service and our comprehensive products attractsome of the country’s leading solicitor firms.Further benefits of using DAS LawAssist include:¡ Financial stability¡ Sustainable pricing¡ UK based¡ Flexible underwritingWe appreciate you are the experts in litigation, which is why we won’tinterfere with the case or overburden you with reporting requirements.98% OF OUR SOLICITOR PARTNERS WERE SATISFIEDOR VERY SATISFIED WITH THE LEVEL OF COVERPROVIDED AND OUR CLAIMS PAYMENTS 5

OUR PRODUCTSIN DETAIL “Having worked with DAS LawAssist for a number of years, we have always found them to be professional and efficient. We use DAS LawAssist within several departments within the firm and have been very satisfied with the standard of support received.” Jane Dunlop, Clarke Willmott LLP 6

PERSONAL INJURYWe offer comprehensive cover for motor and non-motor personalinjury claims, giving clients full protection for their disbursementsand adverse cost risks when bringing a claim.We can provide solicitors with competitive premiums and a fullrange of insurance benefits with minimum administration.Key product features: ¡ £50,000 cover ¡ Deferred and self-insured premiums ¡ Cover for own and opponent’s disbursements ¡ Counsel’s fees included ¡ Cover for Part 36 and interim costs orders ¡ Clear and competitive premiums ¡ Online case submission with simple administration¡ C lick on the image above to view the video. To view the video full screen click on the small square button in the controller.Click here for our Personal Injury FAQ 7

CLINICAL NEGLIGENCEWe offer comprehensive and competitive cover for a variety ofclinical negligence claims.Key product features: ¡ Deferred and self-insured premiums ¡ Cover for own and opponent’s disbursements ¡ Counsel’s fees included ¡ Cover for Part 36 and interim costs orders ¡ Pre-investigation cover ¡ Retrospective cover ¡ Premium shortfall cover ¡ Online case submission ¡ No premium increase for multi-defendant claims¡ Click on the image above to view the video. To view the video full screen click on the small square button in the controller. Click here for our Clinical Negligence FAQ 8

CIVIL LITIGATIONWe offer protection to business and individual clients for a varietyof civil and commercial cases.Our Civil Litigation product is perfect for cases which require highlevels of cover.What does Civil Litigation insurance cover?¡ Contract disputes ¡ Insolvency¡ Professional negligence ¡ Contentious probate¡ Debt recovery ¡ Property disputesKey product features:¡ Comprehensive cover up to £3 million¡ Cover for own disbursements¡ Cover for opponent’s costs and disbursements¡ Counsel’s fees included¡ P art 36 cover¡ No assessment fees¡ Any valid client retainer Click here for our Civil Litigation FAQ¡ C lick on the image above to view the video. To view the video full screen click on the small square button 9 in the controller.

CIVIL DIRECTOur Civil Direct product is perfect if you have a high volume of casesrequiring faster access to ATE cover on a delegated basis. For coveron one-off cases we would recommend our Civil Litigation product.What does Civil Direct insurance cover?¡ Contract disputes ¡ Contentious probate¡ Professional negligence¡ Debt recovery ¡ P roperty disputesKey product features:¡ Comprehensive cover up to £250k¡ Cover for own disbursements¡ Cover for opponent’s costs and disbursements¡ C ounsel’s fees included¡ Deferred and self-insured premiums¡ Cover for Part 36 and interim costs orders Click here for our Civil Direct FAQ 10

INSOLVENCY DIRECTWe offer ATE insurance for insolvency cases when pursuing arecovery on behalf of creditors.Our Insolvency Direct product is perfect if you have a high volumeof cases requiring faster access to ATE cover on a delegatedbasis. For cover on one-off cases we would recommend our CivilLitigation product.Types of cases:¡ Matrimonial homes ¡ Director’s misfeasance¡ Wrongful trading ¡ Breach of contract¡ Recovery of book debts ¡ Construction disputes¡ Preference actions ¡ Professional negligence¡ Transactions at an under valueKey product features:¡ Cover up to £500k¡ Cover for own disbursements¡ Cover for opponent’s costs and disbursements¡ C ounsel’s fees included¡ Part 36 cover and interim costs orders¡ Single or staged premiumsClick here for our Insolvency Direct FAQ 11

ACCESS TO OUR PRODUCTSWhether you are looking for cover on a high volume case load or a case-by-case basis,we have a solution for you. Delegated scheme This is the perfect solution for solicitor firms with a larger volume of cases. For certain case types we can offer a delegated arrangement. This enables faster case submission with simplified administration and reporting for cases with qualifying criteria. It also grants access to the most competitive rates we can offer. One-off cases For all areas of litigation we can individually assess one-off cases and provide an insurance quote for ATE cover. Unlike some of our competitors we won’t charge you an assessment fee or enforce any membership requirements. You will have access to professional case handlers to liaise with throughout the life of the case, should questions arise or further cover be required. To discuss which option is 12 most suitable for your business model, call us today on 0870 241 1345¡ C lick on the image above to view the video. To view the video full screen click on the small square button in the controller.

FREQUENTLY ASKEDQUESTIONS “W e’ve always found you to be friendly, trustworthy, understanding and reliable.” Keith Jones, Woodfines LLP You can find answers to general FAQ overleaf. You can also read product-specific FAQ through the following links: ¡ Personal Injury ¡ Clinical Negligence ¡ Civil Litigation ¡ Insolvency Or contact us on 0870 241 1345. 13

What is After the Event insurance?After the Event insurance or ‘ATE’ is a policy of insurance taken outonce an accident or legal dispute has occurred. The policy will protecta claimant in litigation against the financial risks associated withbringing a claim for compensation.It is important to note solicitors have a duty under the SRA Code ofConduct 2011 to advise their clients on the availability of ATE insurance.What type of cases can be insured?Insurance cover is available for a full range of personal injury, clinicalnegligence and civil litigation claims.Who is the insurer?DAS LawAssist is part of the DAS UK Group of companies ownedultimately by Munich Re, the largest reinsurance company in theworld with capital assets of €21.2 billion. DAS holds an “A” ratingwith Standard & Poor’s.What does ATE insurance cover?DAS LawAssist’s ATE insurance products provide cover forpossible adverse costs, own disbursements, failure to beat a Part 36and interim costs orders.Are Counsel’s fees covered?Yes, DAS LawAssist is one of the few ATE providers to provideprotection for the costs associated with Counsel fees as long as theyare not acting under a conditional fee agreement (CFA).Is the premium self-insured?Yes, this means that no premium is payable in the event the case islost or discontinued. 14

What levels of cover are available?For standard personal injury and clinical negligence claims, cover isavailable up to £500k. For civil litigation and insolvency claims, coveris available up to £3m.When does the insurance cover commence?Where cases are run under a CFA the insurance cover is appliedretrospectively to the date the CFA was entered into. For otherretainers the cover commences from the date the policy was incepted.Do you insure multiple defendants?Yes, unlike many of our competitors, if you win against one defendantand lose against another, your client will keep any damages awardedand a claim can be made on the policy for any adverse costs order etc.Do you provide ATE/BTE top-up cover?Yes, DAS LawAssist is one of the few providers on the market able totop-up any ATE or BTE insurance policy.Can I recover the ATE insurance premium from the losing party?Since the introduction of qualified one-way costs shifting (QOCS) inApril 2013 it has not been possible to recover additional liabilitiessuch as Success Fees and ATE insurance premiums from the losingparty, however there are some exceptions which are currently:¡ Mesothelioma¡ Defamation¡ The ATE insurance premium in clinical negligence matters relating to liability and causation reports onlyThese recoverable premiums are protected by our unique PremiumIndemnity Guarantee. This guarantee ensures that neither your firmnor your client is responsible for any shortfall in recovered premium. 15

For more information or to arrange an appointment: 0870 241 1345 to arrange a call back [email protected] www.daslawassist.co.ukIf you need to contact us in writing you can do so at:DAS LawAssist | DAS House | Quay Side | Temple Back | Bristol | BS1 6NHDAS LawAssist is a trading name of DAS Legal Expenses Insurance Company Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial 03.2015 | DAS 11271.0116Conduct Authority and Prudential Regulation Authority | DAS Legal Expenses Insurance Company Limited | Head and registered office: DAS House, Quay Side, Temple Back,Bristol BS1 6NH | Registered in England and Wales | Company Number 103274 | Website: www.daslawassist.co.uk