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Our Branches


Tel: 01685 874629

Merthyr Tydfil

Tel: 01685 371153


Tel: 01495 222214

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Costs Explained

There are 4 ways of funding your claim:

Legal Aid for personal injury cases was abolished in April 2000 and as a result more and more Claimants are relying on their own insurers to cover the cost of pursuing personal injury claims.

Many clients are unaware that they have the benefit of a 'legal expenses insurance’ (LEI) policy so it is most important that you check whether or not you have a policy before paying costs yourself or entering into a 'no win no fee’ agreement.

LEI may be included as part of your:

The advantages of having a LEI policy is obvious. Although you remain primarily responsible to our firm for payment of your fees on a private client basis your policy will indemnify (cover you) against this.

The legal expenses insurers will meet not only your opponent's costs but also your legal costs in the event that your claim fails or there is a shortfall in the costs actually recovered.

As your entitlement to LEI is contractual there is no means assessment procedure as with the old legal aid procedure. However, indemnity is conditional on there being reasonable prospects of success in bringing your claim. You will need to study the terms and conditions carefully. These vary.

A legal expenses insurer has a legitimate financial interest in the prospects of your claim. You will find that the indemnity provided will be subject to certain terms and conditions set out in your contract/policy of insurance. For example, the insurer usually stipulates that it can withdraw the indemnity if they or we believe that there are no reasonable prospects of success and/or of beating an offer of settlement or payment into court. The insurance policy usually requires your solicitor to report regularly to the insurer on the progress and merits of the claim.

The GGP Law act for a number of clients who are funded by legal expenses insurance. If you have any insurance of any kind simply send us copies of your policy schedules and we will find out if you are covered.

If you do not have LEI then not to worry, we can then consider running your claim on a 'no win no fee basis’ and arrange LEI for you at no personal expense to you (see our 'No Win No Fee’ section for an explanation).

No Win No Fee

Also known as a 'Conditional Fee Agreement' (CFA's) this system allows a Claimant to proceed with a personal injury claim without having to pay any costs to their solicitor up front. The system works by allowing us to charge extra fees (a success fee) if we win. However if we lose we charge nothing.

If you WIN your case you are liable for:

If you WIN your case you would be entitled to claim from your opponent the following:

If you LOSE the case then you will only be responsible to pay the following:

The GGP Law is able to set up insurance policies aimed specifically to cover cases such as yours. This insurance would cover you against the risk of having to pay your opponent's legal costs in the event that your claim is unsuccessful.

Insurance premiums vary. At present the cost of the premiums range between £350 and £850 for between £10,000 and £100,000 worth of cover. However the level of premium ought not concern you.

If you WIN your case then you will almost certainly recover the whole of the premium from your opponent. Furthermore, you do not have to pay the premium out of your own pocket at the outset. The premium will be deferred until the end of the case.

If you LOSE the case, then the premium will be funded under the terms of the insurance policy, so either way you pay no up front costs. It literally is - 'No Win No Fee'.

Private Paying

The traditional private client retainer

This is probably the most common form of fee arrangement for solicitors and their clients. However, in personal injury claims the balance is shifting towards No Win No Fee' Conditional Fee Agreements.

Under a traditional private client retainer you agree to pay GGP Law for its professional services for the time spent on your case at an agreed hourly rate. The hourly rate charged depends upon the experience of the fee earner concerned. We use the hourly rates allowed at our local county court. These are as follows:

These rates make up what are known as BASIC COSTS.

In addition to BASIC COSTS there are also items which need to be paid for along the way. These are known as DISBURSEMENTS. These are 'expenses' in the case, usually charged by third parties. They have nothing to with our own fees.

Examples of typical disbursements incurred in personal injury cases include:

Disbursements are either paid by you or by us and recovered from you. In the event of your claim being successful then these costs will either be recovered from your opponent, or from your insurer.

If you pay for disbursements yourself during the life of the case then, if you win, this cost will be refunded to you at the end of the case in addition to any damages you receive.


Civil Legal Aid

Following the Civil Justice reforms Legal Aid legislation has been radically amended. Save in exceptional circumstances, such as in Criminal Injuries Compensation claims it is no longer possible to obtain legal aid for personal injury actions. This applies throughout the UK and not just this firm.