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It could be just a coincidence that one of the most stable and longest democracies also has a monarchy.

Probably not. Monarchies usually aren't abolished spontaneously but due to revolutions and similar crisis. Since the UK hasn't had one in a while, there just was no opportunity to abolish the monarchy.

Also the UK has only been a democracy since 1928. A democracy without universal suffrage isn't one.

That is such a great point about universal suffrage, a point completely overlooked far too often (by people including myself).

Yes, of course a democracy without universal suffrage can be one. In fact, the UK was more of a democracy before universal suffrage than many formally democratic states with universal suffrage today. This is because democracy is not solely, or even approximately defined by the mere act of casting a ballot.

Of course not, universal suffrage is merely a necessary condition for democracy. Many formally democratic states of today arguably aren't democratic either.

By the standards of its time, I'm sure the UK was already democratic back then. But not by today's.

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