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Huge insult to take effect before the champers! (4,2,3,5)

Ross

I believe the answer is:

kick in the teeth

'huge insult' is the definition.
(a kick in the teeth is an insult)

'take effect before the champers' is the wordplay.
'take effect' becomes 'kick in' (kick in can mean to take effect or begin).
'before' says to put letters next to each other.
'champers' becomes 'teeth' (teeth bite or champ things).
'kickin'+'the'+'teeth'='KICK IN THE TEETH'

'to' acts as a link.

I've seen this clue in The Times.
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