Application Process

You are welcome to contact us during the application process with any queries that you have

How to Apply?

Simply complete the proposal form on our website or download it. Once the form is completed, you can submit it or alternatively the form can be sent to as a Word, JPEG or PDF file. When submitting document(s) via email please make sure you include your customer ID in the subject line.

If you have any questions that you wish to raise when completing the form or when considering whether to complete it, please contact us. We will be happy to discuss any issues that you want to explore.

Applications from the claimant’s solicitors, insurance brokers or directly instructed counsel are welcome. Lakehouse does not deal directly with claimants or potential claimants.

When to Apply?

As soon as there is sufficient evidence and advice that enables the claimant’s lawyers to conclude that the case has good prospects of success (60% is a preferred minimum estimate although the percentage exercise is recognised not to be a precise science!)

Remember that the evidence must demonstrate the ability of the defendant to pay damages and costs.

Avoid adverse selection. For example, repeated attempts at settlement of the case before applying for insurance, having first obtained the evidence and advice that demonstrates a strong case, will not assist the claimant’s application.

Expected Process Time

A decision to offer or decline to offer ICL will be made within 7 working days of receiving all the information required.

Occasionally it will be necessary for this time period to be extended. We will communicate a time limit for a decision or offer. You will be kept informed. We appreciate that you and your client value a prompt decision whatever the outcome.

When a risk is declined, we will provide brief reasons.

Security for Costs

Our policies are useful in respect of any application for security for costs raised by a defendant. It is generally recognised by Courts that although the policy is not written for the benefit of the defendant, if the policy is provided by a reputable insurer without unnecessary restrictions, it should at the very least be taken into account in respect of the amount of security ordered by the Court.

Lakehouse can endorse a Policy, in suitable cases for an additional premium to provide additional protection directly to the defendant attempting to either obviate the need for any other security or reducing the amount ordered by the Court significantly.

ATE Catastrophic Personal Injury Claims (ICICL)

ATE Commercial Litigation (ICL)