What about the costs if the claim fails?
Provided the claim is not fundamentally dishonest the costs of the opponent should not have to be paid even if the claim is unsuccessful. It may not be necessary to take out insurance cover to cover any adverse costs but may be advisable to do so to protect against:
A Claimant who has an existing legal expenses policy may already have cover meaning that they do not have to end up paying any costs from their compensation but they may lose the ability to instruct their own choice of solicitor up to the point that Court proceedings are issued. Folgate Legal can advise further.