Regulation 6 does not apply where -

(a) the legal expenses cover is limited to risks arising from the use of a road vehicle in the United Kingdom and is connected with a contract to provide assistance in the event of accident or breakdown involving a road vehicle,

(b) neither the legal expenses insurer nor the assistance insurer carries on any class of liability insurance business, and

(c) there are arrangements for securing that, where the parties to a dispute are insured in respect of legal expenses by the same insurer, legal advice and representation are provided for each of them by completely independent lawyers.