This is an insurance policy that you purchase after the claim arises. It can be obtained to bring or defend a case. You pay a premium for a set amount of legal fees, which can be topped up if more cover is required.
The premium may be relatively high, typically 15% of the sum insured. The insurance company must agree to grant cover for your particular case and we handle the application for you. You still pay our fees and disbursements as you go along, which are claimed from the Defendant if you win.
So, if you win, you pay nothing extra, but if you lose, the insurance pays our fees and those of your opponent, up to the amount insured.