Where CFAs used to fund simple housing disrepair cases provided that the solicitors would indemnify the client in respect of any adverse costs orders not covered by insurance, this did not amount to champerty or maintenance and the CFAs were accordingly enforceable. It was material to this conclusion that after the event (ATE) insurance was not available for these claims (or not at proportionate cost), the success fee was only 10% and the indemnity provided by the solicitors would be used rarely, in which case the defendant would be spared having to bear the additional costs of an ATE premium (Morris v London Borough of Southwark http://www.bailii.org/ew/cases/EWHC/QB/2010/B1.html).