Jay Blades, presenter of the Repair Shop, is reportedly set for a quickie divorce as his estranged wife declares there’s “no way back.”
Lisa-Marie Zbozen, 43, has allegedly enlisted legal help and told friends she wants to end the marriage swiftly.
She has reportedly found a new home and now centres her efforts mainly on her fitness venture.
A source told The Sun: “Lisa wants a divorce – and wants it to happen quickly.
She is ready to move on with her life and has decided there is no way back. She has had loads of support from family and friends – including her fitness community.”
They added further detail, stating: “Lisa has spoken to lawyers and wants them to sort out everything as soon as they can.
She isn’t flush with money, so wants it all done so she can focus on her business.”
Lisa, who tied the knot with Jay in 2022, runs an online fitness course that boasts thousands of subscribers. Once sharing a home with Jay in Shropshire, she announced the demise of their marriage on May 2nd, this year, reports the Mirror.
She spoke candidly to fans, revealing: “The world got the best of my husband and I got a whole lot of everything else. I don’t think I’ve ever cried so much. I wanted my husband to love me and keep me safe and I would love him right back.”
In a heartfelt conversation with The Sun, she admitted: ” Probably should be really angry but I’m just incredibly sad about the whole thing right now. I don’t think I’ve ever cried so much.”
She continued: “I will admit I’m crying as I type this as I can’t believe this is even real. I hope you don’t mind if I just have a few days trying to figure out my life as I’m currently in a spare room with a few essentials. I don’t know what else to say. All my love, A very broken Lisa-Marie x.”
This followed the devastating news of a death in Jay’s family. He shared with his followers: “So what I’m intending on doing is this… I’m coming off social media for a while, and I’ll be back after a bit. Going to get some therapy and just chill out. Yeah, ’cause when things happen, sometimes you really need to take stock and just relax. So, I’ll be back soon.”
Jay had a dream wedding in Barbados in 2022, which was an intimate affair with only 15 guests, but he described it as “perfect” at that time. In an interview with Hello magazine, he reminisced: “One word sums up the day: perfect. We had our closest family there, the weather held out and everything worked out so well.”
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Source: CNN
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
- 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.
- 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.
- 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?
- Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
- Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
- 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:
- 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.
- 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.
- 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.
