Guys

I have my bikes insured through my house insurance which will cover it if they are stolen.

Ive just been thinking without checking the policy, if I am on my commute and if I am (god forbid) involved in an accident or an incident, where do I stand? I.e what is the norm? If it was my fault for example and the car or whatever is fubar, would my insurance cover it?

I was thinking, do I need some specialist insurance for PI etc? I know CTC do this if you join them, so do other specialist companies?

TIA