BIG EXPLOSION at the royal family: Harry revealed he called for this ‘mysterious’ person after receiving a ‘fierce att@ck’ from William: ‘That person promised to help me defeat William and ‘destr*y’ the king Jia, that damn nest!’

Prince Harry has revealed the first person he called after having a physical row with his brother William – and it wasn’t his wife.

Harry gave the world unprecedented insight into his life when he released his controversial memoir Spare.

The book detailed how he felt like the “spare” to Prince William’s “heir” status. One passage in the book speaks of a physical assault, which Harry blamed on his brother.

After the fight, William told Harry: “You don’t need to tell Meg about this.”


Harry responded:“‘You mean that you attacked me?” William replied: “I didn’t attack you, Harold”.

And Meghan wasn’t the first person he told about the incident he described in his book, instead he called his therapist to work through his emotions.

Meghan later noticed the “scrapes and bruises” and told her about the attack but she “wasn’t that surprised” and “wasn’t all that angry. She was terribly sad,” Harry said.

During the fight, the prince claims his older brother and the heir to the throne gripped him by the collar and knocked him to the floor. Harry had accused him of repeating opinions about his wife Meghan Markle and called her “difficult”, “rude”, and “abrasive”. The row, which happened at his Nottingham Cottage home in the grounds of Kensington Palace, started with the pair shouting over each other but Harry claims he was left with a physical injury to his back. Harry claimed William arrived at the cottage looking for a fight and that he wasn’t being rational.

William told his little brother he was trying to help, but Harry was flabbergasted, asking him: “Are you serious? Help me? Sorry – is that what you call this? Helping me?” Harry says it was that comment that tipped his brother over the edge. William swore as he stepped towards his brother, according to Harry, who said he was scared and ran to the kitchen to escape him. Harry said he offered his brother a glass of water and refused to speak to him when he was “like this”.

Harry wrote : “He set down the water, called me another name, then came at me. It all happened so fast. So very fast. He grabbed me by the collar, ripping my necklace, and he knocked me to the floor. I landed on the dog’s bowl, which cracked under my back, the pieces cutting into me. I lay there for a moment, dazed, then got to my feet and told him to get out.” Harry then claims William told him to hit him back and cited similar fights when they were kids. Harry says he refused before William returned “looking regretful” and apologised.

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Source: Tampa Bay Times

Insurable Interest: A Key Concept in Insurance

Insurable interest is a fundamental principle of insurance contracts that ensures the legitimacy and fairness of insurance transactions. It refers to the legal right or financial interest a person or entity must have in the subject matter of the insurance contract. The concept ensures that the policyholder has a stake in the preservation or protection of the insured property or life. Without insurable interest, an insurance policy would not be valid or enforceable.

Key Aspects of Insurable Interest

    Definition and Requirements

    Definition: Insurable interest is a financial or other interest that one party has in the life, property, or liability that is the subject of insurance.
    Requirements: It must be present at the time the insurance policy is issued. The policyholder should have a reasonable expectation of financial loss if the insured event occurs.

    Examples of Insurable Interest

    Life Insurance: A spouse has an insurable interest in the life of their partner because their financial security is tied to that person’s life.
    Property Insurance: A homeowner has an insurable interest in their home and its contents because they own them.
    Business Insurance: A company has an insurable interest in the health of its key employees, as their loss would affect business operations.

    Purpose and Importance

    Protection Against Moral Hazard: Ensures that the policyholder has a genuine interest in the preservation of the property or life, thus reducing the likelihood of fraudulent claims.
    Legitimacy of Insurance Contracts: Guarantees that insurance contracts are not merely speculative bets on the occurrence of an event.

Types of Insurable Interest

    Personal Insurable Interest: Direct and personal, such as a spouse having an interest in the life of the other spouse.
    Financial Insurable Interest: A business owner has an interest in their inventory or machinery as loss would impact the business financially.
    Property Insurable Interest: An individual has an interest in their home or car.

Legal Implications

Life Insurance: Some jurisdictions require insurable interest only at the inception of the policy, while others require ongoing insurable interest throughout the policy term.
Property Insurance: Insurance contracts may require insurable interest to be maintained throughout the duration of the policy. Failure to comply could result in the invalidation of claims.

Application in Insurance Policies

Underwriting Process: Insurable interest is a key consideration during the underwriting process to assess risk and establish premiums.
Claims Process: Insurable interest ensures that claims are legitimate, reducing fraudulent claims and ensuring that policyholders have a genuine financial stake.

Conclusion

Insurable interest is a foundational concept in insurance that ensures the integrity and validity of insurance contracts. It safeguards against moral hazard, establishes fairness in insurance transactions, and ensures that insurance policies provide genuine protection to policyholders. Understanding and applying insurable interest in insurance contracts is crucial for all parties involved, ensuring the protection and legitimacy of the insurance industry.