Ruth Langsford has broken her social media silence after the supportive woman comforting Eamonn Holmes after his marriage split has told friends she is in for “the long haul”.

Relationship counsellor Katie Alexander, 42, has been on a number of outings with the GB News presenter in the last 12 months as well as being pictured at his home.

It is thought she hopes their close friendship could now become a long term relationship in the coming months. 

In recent weeks she has been helping Eamonn through the split from Ruth.

But her friends are at pains to point out that their friendship has only grown close once the marriage was over.

Following the revelation, Ruth, 64, has continued to put on a brave face as she moves on with her life after her marriage split with Eamonn.

On Thursday night, Ruth enjoyed a night out as she attended Giovanni Pernice and Anton du Beke’s London stage show, Together. 

Ruth was invited by her close friend Anton, 57, and beamed as she posed in a photo beside him at the end of the night.

Alongside the snap, Ruth wrote: “Great night watching Giovanni and Anton. Go and see it if you can. Fantastic dancers, fantastic singers, fantastic band. ” In another Instagram story post, she wrote: “Thanks for inviting me Partner. If one of the dancers need a day off you know where I am.”

It comes after a source told The Mirror that Eamonn’s new friend is in it for the long haul. The source close to Katie said: “She is helping Eamonn through the tough times but doesn’t want to be seen as a marriage wrecker. The friendship has grown in recent months but Eamonn’s marriage has been over for some time.

“She wants to help Eamonn with his situation and their friendship has grown over a period of time. She feels she will be close to him for a long period and is in this for the long haul.”

Katie is a mother-of-three and a marriage counsellor. She was spotted driving to and from his luxury flat last week and was named at the weekend as someone helping him through the pain of an impending divorce.

Last month, it emerged Eamonn and Ruth had split after 14 years of marriage and are to divorce. Cracks had started to appear in their relationship and they had not been photographed together for two years.

According to reports, former This Morning host Eamonn moved out of his marital home in Surrey last month after wife Ruth Langsford found messages between him and another mystery woman on a laptop.

Katie met Eamonn on X formerly known as Twitter in 2015 after she commented on a post and it sparked a conversation. Last October he att­ended a charity fund raising event in Yorkshire — close to Katie’s home — and be­came a patron. The counsellor has worked for the charity as a therapist.

Eamonn and Ruth met in 1997 when they were introduced by mutual friends and they then dated for over a decade before Eamonn popped the question and they married in 2010. Eamonn and Ruth’s spokesman declined to comment when approached by The Mirror.

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Source: New York Post

Understanding Deductibles in Insurance

What is a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.

How Do Deductibles Work?

When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.

Types of Deductibles

1. Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
2. Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
3. Per-Claim vs. Annual Deductible:
   • Per-Claim Deductible: You pay the deductible every time you file a claim.
   • Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.

Why Do Deductibles Exist?

1. Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
2. Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
3. Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.

Choosing the Right Deductible

When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:

1. Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
2. Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
3. Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.

Impact on Premiums

The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.

Conclusion

Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.