Hello, I have a rather mundane question, but I can’t seem to find a clear answer online. Suppose I’m cycling or running in the UK and I accidentally knock someone over, causing them injury or disability. What type of insurance would cover my liability in such a case?

In some other European countries, home insurance covers civil liability, but this doesn’t appear to be the case in the UK with standard home contents insurance.

The pen started leaking from the body. I have a hard time understanding if it's the converter that is broken or the seal between the converter and the section 🤔
It's not leaking straight away but some days after inking. Any help would be appreciated 🫶