ADH 15.04a 47 TERMS OF COVER This insurance is managed and provided by Arc Legal Assistance Limited. It is underwritten by Inter Partner Assistance SA, on whose behalf We act. If a claim is accepted under this insurance, We will appoint Our panel solicitors, or their agents, to handle Your case. You are not covered for any other legal representatives’ fees unless it is necessary to start court proceedings or a Conflict of Intere st arises. Where it is necessary to start court proceedings or a Conflict of Interest arises and You want to use a legal representative of Your own choice, You will be responsible for any Advisers’ Costs in excess of Our Standard Advisers’ Costs . The insurance covers Costs as detailed under the separate sections of cover, less any Excess up to the Maximum Amount Payable where:- a) The Insured Incident takes place in the Insured Period and within the Territorial Limits and b) The Legal Action takes place withi n the Territorial Limits . This insurance does not provide cover where something You do or fail to do prejudices Your position or the position of the Insurer in connection with the Legal Action . DEFINITIONS Additional definitions for this section only are shown below. Where the following words appear in bold they have these special meanings. Adviser Advisers’ Costs Adverse Costs Costs Conflict of Interest Our specialist panel solicitors or their agents appointed by Us to act for You , or, and subject to Our agreement, where it is necessary to start court proceedings or a Conflict of Interest arises, another legal representative nominated by You. Legal fees an d disbursements incurred by the Adviser. Third party legal costs awarded against You which shall be paid on the standard basis of assessment provided that these costs arise after written acceptance of a claim. Standard Advisers’ Costs and Adverse Costs. Situations where We administer and/or arrange legal expenses insurance on behalf of any other party in the dispute which is the subject of a claim under this insurance.