▁in cur red . ▁Should ▁the ▁case ▁fail , ▁A TE ▁ins urance ▁protect s ▁the ▁ins ured ▁against ▁the ▁risk ▁of ▁having ▁to ▁pay ▁own ▁exp enses ▁and ▁ad verse ▁costs . ▁This ▁type ▁of ▁cover ▁is ▁usually ▁only ▁available ▁for ▁disput es ▁having ▁high ▁prospect s ▁of ▁success ▁where ▁the ▁ins urer ▁is ▁likely ▁to ▁be ▁able ▁to ▁recover ▁his ▁costs ▁from ▁the ▁ad verse ▁party . ▁It ▁is ▁available ▁in ▁Australia , ▁Canada , ▁and ▁the ▁UK . ▁In ▁the ▁UK ▁solic itors ▁who ▁take ▁on , ▁for ▁example , ▁personal ▁injury ▁cases ▁on ▁a ▁" no ▁win ▁no ▁fee " ▁basis ▁may ▁require ▁their ▁clients , ▁whether ▁defend ants ▁or ▁pla int iffs , ▁to ▁take ▁out ▁A TE ▁ins urance ▁so ▁that ▁costs ▁will ▁be ▁covered ▁if ▁the ▁case ▁is ▁lost . ▁The ▁prem ium ▁pay ments , ▁especially ▁in ▁a ▁no ▁win ▁no ▁fee ▁arrangement , ▁may ▁be ▁de ferred ▁until ▁the ▁conclusion ▁of ▁the ▁case ; ▁thus ▁in ▁most ▁cases ▁the ▁prem ium ▁itself ▁is ▁self - ins ured . ▁This ▁ins urance ▁is ▁often ▁offered ▁by ▁solic itors ▁and ▁claims ▁management ▁companies . ▁The ▁Leg al ▁A id , ▁Sent encing ▁and ▁P un ishment ▁of ▁Off enders ▁Act ▁ 2 0 1 2 ▁ ▁( which ▁came ▁into ▁force ▁on ▁ 1 ▁April ▁ 2 0 1 3 ) ▁introduced ▁an ▁important ▁change ▁regarding ▁the ▁recover ability ▁of ▁the ▁prem ium : ▁before ▁the ▁Act ▁went ▁into ▁force ▁the ▁policy holder ▁could ▁recover ▁the