(1) An insurance undertaking which has obtained an authorisation for a principal risk belonging to one class or a group of classes in Schedule 1 may also insure ancillary risks included in another class without the need to obtain authorisation in respect of such risks provided that the ancillary risks meet all of the following conditions:

(a) they are connected with the principal risk;

(b) they concern the object which is covered against the principal risk;

(c) they are covered by the contract insuring the principal risk.

(2) The risks included in classes 14, 15 and 17 in Part 1 of Schedule 1 shall not be regarded as risks ancillary to other classes but legal expenses insurance as set out in class 17 may be regarded as a risk ancillary to class 18 in that Part of that Schedule, where all of the conditions in paragraph (1) and either of the following conditions is met:

(a) the main risk relates solely to the assistance provided for persons who fall into difficulties while travelling, while away from their home or habitual residence;