Coronation Street legend Charlie Lawson revealed both Ruth Langsford and Eamonn Holmes are struggling following their split. 

It comes after the former This Morning presenters shared they were calling time on their 14 year marriage.

After almost three decades together the GB News host, 64, and the Loose Women presenter, also 64.

Have decided to go their separate ways and now the Jim McDonald actor gave an insight into his candid conversation with Eamonn.

Eamonn officiated Charlie’s wedding in 2023 and the pair have been good friends for years. 

Speaking about Eamonn’s split from Ruth, Charlie told The Sun on Sunday: “I’ve known Eamonn for a very long time and we spoke a couple of days ago.

“He’s doing his best to get through it.”

The former Corrie star revealed both Eamonn and Ruth found the break-up difficult.

Charlie continued: “Splitting up is always difficult and if you are in the public eye, and these two are both extremely famous, it’s extremely difficult. They’re finding it very difficult.

“He’s a very good friend. I love him dearly. They’ll get through it.”

It was previously reported relationship counsellor Katie Alexander, 42, has been helping Eamonn and supporting him as a friend amidst the split.

In May it emerged Eamonn and Ruth have split after 14 years of marriage and are to divorce.

Their separation comes after the former couple had not been photographed together for two years.

As well as his marriage breakdown, Eamonn has problems walking – and has been suffering chronic back pain for almost two years.

Speaking in January the presenter said the “harsh reality” could be that he may never be able to walk alone again unaided.

Eamonn and Ruth met in 1997 when they were introduced by mutual friends and they then dated for over a decade before he popped the question and they married in 2010.

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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.