ADH 15.04a 50 Cover 2 – Consumer Defence What is insured: Costs to defend a Legal Action brought against You following a breach of a contract You have for selling Your own personal goods . 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 th e sale or purchase of Your main home e) Relating to a lease tenancy or licence to use property or land Cover 3 – Personal Injury What is insured: Costs to pursue a Legal Action following an accident resulting in Your personal injury or death against the person or organisation directly responsible. What is not insured: Claims: a) Arising from medical or clinical treatment, advice, assistance or care b) For stress, psychological or emotional injury unless it arises from you suffering physical injury c) For illness, personal injury or death caused gradually and not caused by a specific sudden event d) Involving a vehicle owned or driven by You Cover 4 – Clinical Negligence What is insured: Costs to pursue a Legal Action for damages following clinical negligence resulting in Your personal injury or death against the person or organisation directly responsible. What is not insured: Claims for stress, psychological or emotional injury unless it arises from You suffering physical injury.