No Insurance

wendilla | 08:50 Tue 22nd Jan 2019 | Motoring

35 Answers

Through the conversation on this morning yesterday the lady was on there that had the broken wrist..did I hear right that the royals don’t have car insurance .i would have thought Philip would have had insurance on the one he was driving .

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murraymints

Think their every day cars are provided on lease arrangement..will be part of the lease I imagine ??

bhg481

It doesn't really matter. If you are involved in an accident caused by someone else you sue them for damages caused by their negligence. Insurance is there to ensure that they have enough money to pay you. If the accident was the fault of Prince Phillip she will sue him and he will either pay or pass the claim onto his insurers; I think he might hav enough spare cash to pay for a replacement Kia.

hc4361

It used to be the case that the super rich didn't need car insurance if they could prove they had ring fenced a minimum amount of money to meet any claims, I think it was over £1m, by making a "specified deposit" with the Accountant General of the Supreme Court, against their liability for injuries to others (including passengers) and for damage to other persons' property resulting from use of a vehicle on a public road or in other public places.

When the law changed recently and continuous insurance enforcement was put in to effect then all cars that were driven on public road needed third party insurance as minimum.

I don't know if the senior royals ring fenced money instead of buying insurance.

naomi24

//Under the law, every driver - be they an heir to the throne or otherwise - has to make insurance provision for their vehicle. It is illegal to drive on public roads without it. //

http://news.bbc.co.uk/1/hi/uk/407185.stm

wendilla

Question Author

Thanks for replies . It will probably come out later about results .

Canary42

/// It will probably come out later ///

Don't bet on it.

naomi24

The law says he must be insured. I can't see why he wouldn't be.

bhg481

It has been stated that he is insured but I can't remember where I saw it.

douglas9401

Because he's a salt of the earth national treasure who ploughs his own furrow, Naomi.

An entitled pain in the proverbial by any other name.

naomi24

Douglas, I know he takes liberties and gets away with it, but breaking the law in this respect would be one step too far.

hc4361

I'm sure the senior royals make no decisions at all about routine matters such as car insurance, they have secretaries and personal assistants to take care of that sort of thing

naomi24

I agree, hc.

Peter Pedant

best answer for KIA !
some sense on Ab for a change

and you can sue the crown in the civil courts under the Crown Proceedings Axt 1947

gold star for your fridge Kia

Peter Pedant

The Crown is immune from suit and so this makes it very hard for him or her to break the law because they are part of it ....

modified by statute see above

You mean Charles I really did have a point when he said that there was no court competent to try him ? yup