A contract of legal expenses insurance shall expressly provide that -
(a) where recourse is had to a lawyer or other appropriately qualified person to defend, represent or serve the interests of the insured person in any inquiry or proceedings, the insured person shall be free to choose such lawyer or other person, and
(b) the insured person shall be free to choose a lawyer or, if he so prefers, another appropriately qualified person, to serve his or her interests whenever a conflict of interests arises.