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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New Judge

Canaray has it almost right about vehicles not needing insurance. A deposit of £500,000 means that no insurance policy is required. The money must be actually deposited and not merely "ring fenced" There are complete exceptions for various government and local government departments including the police and the health service but not for the Royal Household. Section 144 of the Road Traffic Act, 1988, provides the details:

https://www.legislation.gov.uk/ukpga/1988/52/contents

bookbinder

When I was in the Army, and driving Army vehicles around, I was told that military vehicles didn't have insurance, because the military was big enough to afford to pay out on any claim. Maybe the Royal Family fall into the same category?

bhg481

NJ - I'm surprised the "deposit" hasn't been increased, particularly with the size of claims being made nowadays. It seems a long time since I saw that figure.
It's also interesting that, for the average mortal, the loss of interest on £500,000 far exceeds the cost of insurance and makes it not worth contemplating.

roopower

Goodness, she's making the most of her 15 minutes of fame

jno

roopower, I don't think it was the woman who made the claim about insurance. Regardless, If some clown had broken my arm and left, I'd be taking any opportunity to denounce him (especially if he lied about apologising to me)

hc4361

We still don't know who was at fault, do we?

jno

there were maps showing he was coming out of a side road and should have given way. It hasn't been tested in the royal courts of justice, of course...

EDDIE51

It is only The Queen herself who does not need car insurance. All other 'Royals' need it, including 'Phil the Greek' (He was 'Prince Phillip of Greece' before he got married to The Queen.)

New Judge

She may not need it, Eddie but as I pointed out in a thread last week, at least in the 1960s/early 70s her vehicles were insured with her (as "Her Majesty the Queen") as the policyholder. I worked for her insurers and saw the policy details and (dare I say it) details of one or two claims.

bhg481

NJ - how did the insurance companies get round the fact that her cars don't have registration numbers? We had someone on here recently complaining that he couldn't get house/car insurance on a new-build property he was moving in to because the post code hadn't gone live; they are so linked-in to computer-generated policies that they don't seem to be able to cope with unusual situations.

New Judge

"NJ - how did the insurance companies get round the fact that her cars don't have registration numbers?"

Only one of her cars has no number plate, bhg (the big limmo with the big round rear window and the Royal Standard on the front). As I recall the company I worked for covered most of the cars in the Royal household. Bear in mind there were no computers then, postcodes had not been fully introduced (and were certainly not used for car insurance purposes) and I think some "special arrangements" were made for HM Queen! It was quite a status symbol for the company to insure the Queen's cars.

bhg481

Thanks NJ.