Bike Insurance

Hi all,

This thread is very interesting and a bit confusing as insurance providers seem to change the rules at random times. I have 2 questions -

1. Is it true that normal house insurance covers one bike per household member (family)?
   
2. For 20 bikes (11 built and the rest frames, wheels, parts - but enough parts to build them all) who will insure me? Only 2 are valued at over £1000.
   
   

Thanks all,

Richard