How can I make sure I don't have to pay a big bill if I lose?

To protect yourself from a big bill, you can take out insurance to pay for:

• your opponent's legal costs; and
• expenses for both you and your opponent.

In most cases, your solicitor will advise you to take out legal-expenses insurance. Other insurance policies are available, and you are free to arrange insurance yourself if you want to, although it is much easier (and probably cheaper) if your solicitor does it. Some times with this kind of insurance you will not have to pay the premium if you lose your case.

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