ADH 15.04a 49 You/Your/Yourself Any person named in the schedule whose permanent residence is within th e United Kingdom, the Channel Islands or the Isle of Man and all other persons permanently living within the home other than rent paying guests but including Your children attending university or college whose main residence is the home. If You die Your personal representatives will be covered to pursue or defend cases covered by this insurance on Your behalf that arose prior to Your death. COVER Cover 1 – Consumer Pursuit What is insured: Costs to pursue a Legal Action following a breach of a contract You have for buying or renting goods or services for Your private use. The contract must have been made after You first purchased this insurance unless You have held this or equivalent cover with Us or another insurer continuously from or before the date on which the agreement was made. What is not insured: Claims: a) Where the amount in dispute is less than £125 plus VAT b) Where the breach of contract occurred before You purchased this insurance c) In respect of works undertaken or to be undertaken by or under the order of any government, public or local authority d) Arising from the purchase or sale of Your main home e) Relating to a lease tenancy or licence to use property or land f) Relating to a dispute about either the amount an insurance company should pay to settle an insurance claim or the way a claim should be settled g) Relating to a dispute with any financial services supplier arising from the sale or performance of products and services offered or pr ovided to You h) Directly or indirectly arising from planning law