Skol, what home insurer are you with, out of curiosity? I'm in search of a similar deal.Great. Just spoke to my home insurer to confirm the details. My home contents insurance policy includes liability up to 2 million as standard and I have legal cover added on to that so I have no need to get separate insurance
I ran through a few scenarios with them and there is no doubt that I am covered for my intended use. They will pay out for damage to property if a collision is my fault (i.e I hit a car) and will pay for injuring a third party when I am cycling, just the same as if I accidentally tripped someone up in the street.