No Win No Fee Solicitors
No Win No Fee Lawyers In London
Our no win no fee lawyers handle thousands of successful personal injury and medical negligence claims each year. We can help you to receive the compensation you deserve.
“Osbornes fields a specialist personal injury team with standout expertise in catastrophic trauma, regularly securing multimillion-pound settlements in spinal, brain, and amputation cases. “
“Osbornes is a well-regarded personal injury practice well equipped to advise on high-value and high-profile claims.”
Table of Contents
If you are considering a personal injury claim, one question you are probably asking yourself: what happens if I lose and get stuck with a legal bill?
No win no fee means exactly what it says — if your claim is unsuccessful, you pay nothing. But understanding the full picture, including what you do pay when you win and the rare circumstances where costs can arise, puts you in a much stronger position before you sign anything.
This guide explains how no win no fee works in practice: the costs, the protections, and the one scenario most solicitors don’t bring up until you ask.
“I was initially nervous about the ‘no win, no fee’ process, but I needn’t have worried. I was well looked after throughout the process — friendly, helpful and always replied promptly to queries.”
— Olivia Gainham, Trustpilot review
What is no win no fee?
No win no fee is the everyday name for a Conditional Fee Agreement (CFA) — a legal funding arrangement where your solicitor only gets paid if your claim succeeds. If you lose, their fees are waived entirely.
CFAs became the standard way to fund personal injury claims following reforms in the late 1990s and 2000s, when legal aid was withdrawn from most personal injury cases. They were designed to give ordinary people access to legal representation without the risk of unaffordable bills. For the vast majority of claimants, they do exactly that.
How does no win no fee work, step by step?
- Free initial consultation — your solicitor assesses the merits of your claim at no charge. If they believe you have a reasonable prospect of success, they will offer to take your case.
- Sign a Conditional Fee Agreement — this sets out the terms of the arrangement, including the success fee percentage your solicitor will charge if you win.
- Your claim is pursued — your solicitor handles the investigation, correspondence, and negotiations on your behalf while you focus on recovery. Find out more about how long a personal injury claim takes.
- If you win — you receive compensation. The success fee is deducted from your award, and your solicitor’s base costs are typically recovered from the other side.
- If you lose — your solicitor’s fees are waived under the CFA. With after the event insurance in place (more on this below), you are also protected from the other side’s costs.
Osbornes only takes on claims with a genuine prospect of success. If we don’t think your case is strong enough, we will tell you at the outset.
“Right from the onset they were to the point, warm, caring and diligent. They laid their cards out on the table, told me what the procedure entailed, what was required of me, approximately how long it would take — and they assured me that if I lost the claim, there would be no fee required from me. They have delivered on every aspect.”
— Patrick W Doherty, Trustpilot review
What does it cost if you win?
Winning is the outcome you want — but it helps to know exactly what happens to your compensation when you do. There are three cost elements to understand.
The success fee
Your solicitor’s success fee is their charge for taking on the financial risk of running your claim. By law, it is capped at 25% of your general damages — the compensation you receive for pain, suffering and loss of amenity.
Crucially, the cap applies only to general damages, not your total compensation. Your financial losses — lost earnings, medical expenses, travel costs, care costs — are protected from the success fee entirely.
A simple example: if you receive £20,000 in general damages and £15,000 in financial losses, the maximum success fee is £5,000 (25% of £20,000). Your £15,000 in financial losses comes to you in full.
After the event (ATE) insurance
After the event insurance is a policy taken out after your accident to protect you if your claim fails. It covers the other side’s legal costs, any disbursements that cannot be recovered, and costs from unsuccessful interim applications.
The premium is only paid if you win, at which point it is deducted from your compensation. If your claim is unsuccessful, the premium is waived. This is what makes “you pay nothing if you lose” a genuine promise rather than a marketing line.
Disbursements
Disbursements are the out-of-pocket costs of running a claim — medical reports, court fees, expert witness fees, and rehabilitation costs where these are claimed as part of your damages. In most successful claims, disbursements are recovered from the other side. Your solicitor should explain upfront which you might remain liable for in any scenario — ask the question before you sign.
What happens if you lose?
If your claim fails, you pay nothing in solicitor’s fees — the CFA waives them entirely — and the ATE insurance policy covers the other side’s legal costs. The vast majority of personal injury claims settle without going to court, but the protections apply whether your case settles or proceeds to trial.
There is one exception worth understanding: fundamental dishonesty. If a court finds that you have been fundamentally dishonest in pursuing your claim — for example, by exaggerating the severity of your injuries — it can strip away your costs protection. You could then face liability for the other side’s costs.
This is rare, and the threshold is high. Being honest with your solicitor throughout — including about any pre-existing conditions that may be relevant — protects both the integrity of your claim and your financial position.
What is a Part 36 offer — and why does it matter?
This is the scenario most no win no fee guides leave out.
During a claim, the other side may make a formal settlement offer known as a Part 36 offer. You can accept or reject it. If you reject the offer and the case proceeds to trial, but the judge awards you less than the other side had offered, the court will normally order you to pay the other side’s costs from the date the offer expired.
This does not mean you should automatically accept every offer. It means your solicitor needs to give you clear, considered advice on whether an offer is fair before you decide. At Osbornes, we explain Part 36 risks in plain terms whenever a settlement offer is made — so you can make an informed decision, not a pressured one.
Are there alternatives to no win no fee?
No win no fee suits most personal injury claimants, but there are other funding options worth knowing about before you commit.
- Before the event (BTE) insurance — you may already have legal expenses cover through your home or car insurance. Check your policy documents before instructing a solicitor. BTE cover can fund your claim with no success fee deduction at all.
- Trade union funding — if you are a union member and were injured at work, your union may fund your claim entirely.
- Legal aid — no longer available for most personal injury claims, with limited exceptions for certain birth injury cases involving children.
- Private funding — paying your solicitor’s hourly rate directly. This preserves your full compensation but carries financial risk and is rarely the best option for personal injury claims.
- Changing solicitors — if you have already instructed a firm but want specialist representation, it is also possible to change solicitors mid-claim without losing your no win no fee protection.
How we can help
Osbornes Law is a leading personal injury firm recognised by Chambers & Partners, Legal 500 and the Association of Personal Injury Lawyers (APIL). We handle claims on a no win no fee basis and will explain exactly how the arrangement works — success fees, ATE insurance, Part 36 considerations — before you commit to anything.
Our personal injury solicitors act for claimants across road traffic accidents, accidents at work, slips and trips, serious injuries and medical negligence. For a free, no-obligation initial assessment, contact us by calling 020 7485 8811 or filling in our online enquiry form.
Frequently asked questions
What percentage do no win no fee solicitors take?
The success fee is capped by law at 25% of your general damages — the compensation for pain, suffering and loss of amenity. It cannot be applied to financial losses such as lost earnings or medical costs. Your solicitor must agree the percentage with you in writing before your claim begins.
Are there hidden costs with no win no fee?
There should not be. A reputable solicitor will disclose all costs upfront: the success fee percentage, the ATE insurance premium, and any disbursements you might remain liable for. If you are not given a clear costs explanation before you sign, ask for one in writing.
Can you lose money in a no win no fee case?
In practice, no — for the vast majority of claims. The ATE insurance covers the other side’s costs if you lose, and your solicitor’s fees are waived. The main exception is the Part 36 scenario: if you reject a settlement offer and then fail to beat it at trial, you may owe costs from the date the offer was made. Your solicitor should advise you clearly on this risk whenever an offer arrives.
What are the downsides of no win no fee?
The success fee reduces your general damages by up to 25%. Not every claim qualifies — solicitors will only take on cases with a genuine prospect of success. And if you use a claims management company rather than a regulated solicitor, you may face higher deductions and weaker legal protections. Always check that whoever you instruct is regulated by the Solicitors Regulation Authority.
Do I pay anything upfront?
No. With a properly structured no win no fee agreement, you pay nothing upfront and nothing if your claim fails. Disbursements and expert fees are typically funded by the firm and recovered from the other side if you win, or written off if you lose.
What is the difference between no win no fee and a claims management company?
A claims management company (CMC) is not a law firm and cannot represent you in legal proceedings. CMCs typically pass your case to a panel solicitor, sometimes taking a referral fee that reduces your final compensation. Instructing a regulated solicitor directly — as you do with Osbornes — means your interests are protected from the outset under the Solicitors Regulation Authority’s Code of Conduct.
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Ben Posford, head of catastrophic injury, is well-known for spinal cord and cauda equina claims, including high-profile fatality work.
Osbornes fields a specialist personal injury team with standout expertise in catastrophic trauma, regularly securing multimillion-pound settlements in spinal, brain, and amputation cases.
Excellent firm with a good insight into and prosecution of catastrophic PI work handled by an experienced team.
Without doubt, Osbornes are the firm to watch in London.
This team is growing in profile all the time. The firm now has many of London's leading personal injury solicitors.
The file handlers I have worked with are experienced and expert personal injury practitioners who can be relied upon to achieve excellent outcomes for the client.
They are very supportive of their clients and are willing to take on difficult cases.
This team is very well organised and approach their cases with great attention to detail.
They have particular expertise in dealing with Eastern European clients who speak little or no English as they have native speakers within their team.
Osbornes is a excellent firm for high value and complex personal injury work.
Osbornes clients are individuals whose cases are treated with the focus required when dealing with life changing injuries.
Fielding a ‘first class, very well resourced’ team of litigators, the personal injury department at Osbornes is rated for its diverse workload of complex, high-value injury claims, representing both domestic and international claimants.
Osbornes is an excellent firm, made up of lawyers with flair and pedigree.
Osbornes lawyers are smart, well trained, experienced and well managed.
Osbornes personal injury practice is first class; very well resourced and second to none.
Osbornes is becoming one of the top players in the claimant personal injury market. A large team with a great number of very high quality solicitors.
Osbornes is a highly proficient serious injury firm. They bring all the benefits of the biggest firms in the market but none of the downsides.
Osbornes prepares cases well; the whole team is good and lawyers there know their stuff.
They deal with people compassionately and take on the right amount of detail. The firm has some really brilliant key solicitors.
The personal injury team is responsive and its level of service towards clients and other professionals is exceptional and high quality
The team offers specialist expertise in cycling-related injury claims and regularly acts for foreign nationals.
It has considerable experience in cases arising from motor accidents and accidents at work
Osbornes is a well-regarded personal injury practice well equipped to advise on high-value and high-profile claims.
Their team includes bright, hard-working solicitors dedicated to achieving successful outcomes for their clients from partner level to paralegal. Their client care is exceptional.
They are a team who are highly respected in the PI sector.
This is an excellent PI team doing a broad range of PI work.
Osbornes’ ‘highly respected‘ personal injury team is experienced in a range of complex, high-value claims, with notable strength in acting for European clients for whom English is not a first language.
Osbornes’ ‘highly respected‘ personal injury team is experienced in a range of complex, high-value claims
Osbornes’ ‘highly respected‘ personal injury team is experienced in a range of complex, high-value claims.
"Osbornes always provides work of excellent quality and the advice is sound."
"The firm has the ability to handle the most sophisticated and complex matters."
"Osbornes is always client-focused and works tirelessly to obtain the best outcomes."
'The team deals with multi-million pound, often multifaceted claims, involving such factors as severe brain, psychiatric, gynaecological and spinal injury, major trauma, amputation and fatality.'
"They are a boutique firm with highly experienced partners who are well-respected in the industry."
"The team at Osbornes deals with catastrophic injury claims with the same professionalism as the largest firms, but provides a much more client-focused experience."
"A really first-rate team, well capable of dealing with the most serious and complex injuries."
"This team has carved out an exceptional reputation in catastrophic injury work."
"Osbornes has impressed me with their personal touch for clients whilst offering a first-class handling of catastrophic injury claims. The partners all have vast experience and are highly respected in their field."
"This is a really excellent personal injury team that can be regarded as one of the major players in the London claimant personal injury market."
"Osbornes have managed to recruit a team of outstanding catastrophic injury lawyers who are at the top of the game."
"They punch well above their weight. The quality of service they provide equals that of any of the larger top-name firms in this area"
Ben Posford is fiercely bright, with an unrivalled passion for his clients’ cases. His encyclopaedic knowledge of all things PI is second to none. His foresight and commercial nous have propelled Osbornes into the highest echelons of the market where they rightly belong.
The firm has an excellent and innovative line in cases involving non-English speaking claimants, managed by recruiting paralegals with multi-language skills – an impressive route for expansion of the caseload.
Great expanding team with expertise and respect in the sector. Led by a commercially savvy and business minded team.
A really excellent group of PI solicitors, notable for their individual quality.’
A niche firm that punches well above its weight in the catastrophic injury sector, borne out by the quality of work they obtain.
This combination of experience and diligence reaps massive rewards for clients, Osbornes being well known in the industry as a fantastic firm.
The Osbornes personal injury team now comprises some of the most technically adept and hard hitting lawyers in the business.
Excellent coverage of personal injury, and traumatic brain injury. There is a real specialism in claimants who do not speak English as a first language.
The group is noted for its expertise in matters relating to cycling injuries, and is the official legal partner of the London Cycling Campaign charity.
To complement its strong reputation for high-value and complex personal injury work, the firm continues to develop its 'excellent and innovative line in cases involving non-English speaking claimants'
"Osbornes comprises some of the most technically adept and hard hitting lawyers in the business"
"A small but high-powered team, dealing with cases of significant value and complexity."
"An excellent firm which achieves fantastic outcomes for clients."
"Osbornes Law have captured the magic of keeping the customer service levels of a smaller firm whilst having all the expertise and power of the biggest firms."
"A superb boutique catastrophic injury firm."
"Really good at dealing with people who have suffered a serious injury."
"Affable and charming with very good client-handling skills."
"superb firm with consummate professionals and a human touch."
Osbornes now has a team of highly experienced personal injury lawyers; particularly strong on high-value quantum cases, workplace accidents and claims involving foreign workers injured in the UK.
The team provides fantastic strength-in-depth for personal injury claims. It is also particularly well placed to service clients from Eastern Europe with specialist native language speakers. From the smallest case to a multimillion-pound spinal injury case, Osbornes has the right staff to manage every claim.
Ben Posford remains pre-eminent in his field with expert understanding of litigating cases of the upmost severity. His experience builds on Stuart Kightley’s running of the firm with recent partner additions of Rob Aylott making a fantastic addition.
A firm going from strength-to strength-which retains its client care whilst being able to offer a full personal injury service.
Beneath Ben Posford’s calm and reassuring presence, which clients love, lies a formidable tactical and legal brain. His experience tells and he gets it right at every stage of the process from arranging the best possible rehabilitation, to ensuring, so far as possible, a polite relationship with those acting for the defendant in order to ensure best and early resolution of the claim.
"Clients say he is very impressive, in terms of both his experience and his management of the personal injury team."
"They have an expanding profile in personal injury and clinical negligence and offer a superb, broad service in accidents abroad, enabled by their recruitment of bilingual legal executives who can guide non-English speakers through complex litigation."
"Solid personal injury practice well equipped to advise on high-value and high-profile claims arising from fatalities and severe head and spinal injuries."
"Offers specialist expertise in cycling-related injury claims."
"Offers specialist expertise in cauda equina syndrome cases."
"An exceptional outfit. They take on difficult cases, fight hard and win."
"Stuart Kightley is an incredibly empathetic solicitor who is very knowledgeable about traumatic brain injury."
"They are an outstanding firm to work with. They are consistently impressive in their work."
"Osbornes often handles claims valued at over £1m, particularly relating to severe brain and spinal cord injuries and niche areas such as cauda equina syndrome and cycling accidents."
"The hard-working, thorough and committed Robert Aylott, who brings significant heavyweight personal injury experience."
"Key team members include the energetic and personable Stuart Kightley who is head of the personal injury department."
"Osbornes has a growing influence and impressive work load and is gaining a reputation for handling complex catastrophic work."
"Catastrophic injury cases head Ben Posford is an excellent practical litigator who offers exceptional service."
"Stuart is also very experienced in advising on fatal accidents and workplace accidents."
Thank you for the hard work and patience and for being so patient with my constant questions.
"I have found Osbornes to be thorough, clear and understanding from the initial call. They do exactly what they say they will and with passion! I would recommend them to anyone".
Very good efficient service. Would not hesitate to use again.
I will use Osbornes for any future needs.
I don't think I could have asked for anything more. One of the best dealings I've had with the legal profession.
Sam was excellent and very professional in dealing with our claim.
Head of the personal injury department, Stuart Kightley is a first-rate practitioner, wholly focused on getting his client the best outcome in a pragmatic, sensible and consensual manner.
As a real specialist in spinal cord injuries, Ben Posford is always looking at new angles on how to maximise his cases.
Ben Posford is one of the best catastrophic injury lawyers around.
They provide exceptional service, great knowledge and understanding of the law, excellent client care and tactical nous
Stuart Kightley is praised for his expertise in catastrophic and fatal claims. Clients say he is very impressive, in terms of both his experience and his management of the personal injury team.
My claim was dealt with efficiently and professionally. Communication was excellent, and timely. Shrewd and sound advice was provided at every stage of the claim from beginning through to completion. On the basis of my personal experience I would strongly recommend Osbornes.
I just wish to thank you for your hard work and successful outcome. I am pleased with the result and would recommend you and your firm to anyone in the future.
Ben Posford … is ‘tactically astute’ and ‘one of the best personal injury solicitors around’.
Ben Posford ‘knows how to maximise the value of the claim for his clients’.
Accreditations
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