Bill of costs

[alandale]

I have been served with a bill of costs for £32,000 from 1 of 3 representatives.Two where successful but one wasn't C H legal hold £15,900 in respect of disbursements.They say i should pay them £1,695 and offer the rest to the 1st defendants in the hope this is enough to deter further costs.I have a policy with Alpha Insurance to cover costs but C H legal say they are making little progress with them to cover the bill of costs.There is no guarantee the first defendants will accept the amount offered and would i be liable for the rest.Also what is disbursements and who gets them if the policy pays out.