For an insurer, authorised by the FSA to insure a principal risk under one of the general classes of insurance, it means a risk included in another class that is connected with the principal risk. Ancillary risks can be insured (a) when concerned with the object covered against the principal risk, and (b) when included in the same policy covering the principal risk. However, risks arising under credit insurance, suretyship and legal expense insurance cannot be treated as ancillary risks but legal expenses cover permitted as ancillary in travel policies, or when connected with the use of sea-going vessels.