Eamonn Holmes has said that he’s experienced a “tough” few years, as he prepares for his first public appearance since his sad split with Ruth Langsford

The GB News presenter was speaking with his co-star Isabel Webster about the upcoming TRIC Awards on Tuesday, where he’s been given the nomination of Best ‘News Presenter’.

Urging viewers to vote for him, Isabel said: “I would say we’ve got a good chance, we’ve got a strong and loyal audience, 

and everyone knows we are beat the other breakfast shows at the moment in our category.”

Eamonn responded: ” I’ve had such a bad couple of years, anything would be good, so thank you if you do vote.”

The awards ceremony will be Eamonn’s first public outing since his split with Ruth Langsford, 

potentially offering him a platform to address the rumours swirling around their breakup.

Insiders close to Eamonn, aged 64, suggest he’s inclined to attend the event on Tuesday, although his presence isn’t set in stone due to ongoing back issues. The awards hold a special place in his heart, having previously enjoyed success there.

“He would like to go but it is in the balance, a lot will depend on how he feels on the day,” confided a source.

Meanwhile, Eamonn’s ex wife Ruth, also 64, was spotted out last Thursday night, seemingly reclaiming her joy after a challenging period.

She made an appearance at Anton Du Beke and Giovanni Pernice’s ‘Together’ stage show, sharing a heartwarming pic alongside her pal Anton on Instagram.

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Source: Los Angeles Times

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.