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“My claim is for clinical negligence, so isn’t the premium recoverable from the other side?”

Only partly. The policy covers your disbursements and the other sides costs, but the only part that’s recoverable from the other side is the element that relates to your disbursements. The part of the premium that that pays for the other sides costs in your case is lost will be deducted from your damages at the conclusion of your case and providing it is successful.