ADH 15.04a 54 General exclusions : 1. There is no cover where: a) You should have known when buying this insurance that the circumstances leading to a claim under this insurance already existed; b) An estimate of Advisers’ Costs of acting for You is more than the amount in dispute; c) Advisers’ Costs or any other costs and expenses incurred which have not been agreed in advance or are above those for whi ch We have given O ur prior written approval; d) The claim is more specifically insured or any amount that Y ou cannot recover from a more specific insurance because the insurer refuses the claim. 2. There is no cover for: a) Claims made by or against Your insurance advis or, the Insurer , the Adviser or Us; b) Any claim Y ou make which is false or fraudulent; c) Defending Legal Action s arising from anything Y ou did deliberately or recklessly; d) Appeals without the prior written consent of us ; e) Costs if Your claim is part of a class action or will be affected by or will affect the outcome of other claims . 3. There is no cover for any claim directly or indirectly arising from: a) A dispute between You and someone You live with or have lived with; b) Any matter connected with Your business profession or trade unless the claim falls within Personal Injury and Employment ; c) An application for a judicial review ; d) Defending or pursuing new areas of law or test cases ; e) Professional negligence in relation to ser vices provided in connection with a matter not covered under this insurance; f) A tax or levy relating to Your owning or living in Your home. 4. Contracts (Rights of Third Parties) Act 1999 A person who is not a party to this contract has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract but this does not affect any right or remedy of a third party which exists or is available other than by virtue of this Act.