HAPPINESS IS ON THE SCREEN: This Morning host Sian Welby shows off adorable super cute photos of her newborn daughter and reveals the ‘special’ baby name! (video)

Sian Welby has given birth to her first child!

The This Morning and Capital Radio presenter, 37, welcomed a baby girl, named Ruby, with her fiancé Jake Beckett.

Sharing her joyful baby news on Instagram on Saturday alongside a slew of adorable snaps, Sian wrote: ‘Our little Ruby [love heart emojis]’.

Sian posted a picture of her little girl wearing a beige knitted cardigan revealing her name.

Before her announcement, Sian was seen on a walk with the new tot cradled in her arms as she stepped out for a stroll with Jake.

Sian carried her daughter in a sling as she soaked up the first few days of motherhood.

The new mum looked overjoyed as she stepped out in a stylish black and white striped Adidas tracksuit.

Sian is yet to announce the details of when she gave birth to her newborn on social media.

The couple couldn’t wipe the smile off their face as they held hands during their brisk walk.

Earlier this month, Sian confirmed Jordan North will replace her as This Morning’s showbiz correspondent as she headed off on maternity leave.

The TV star marked her final day with the announcement as she admitted: ‘I think I’ve pushed it as far as I can before I pop.’

During her last appearance on the ITV daytime show before she gives birth to a baby girl, host Ben Shephard said: ‘First it’s time for the latest showbiz news, Sian is here, for your very last date with us before you go off to pop.’

Sian replied: ‘Yes, exactly, which I think I’ve pushed as far as I can without going into labour on this sofa!’

She continued: ‘I know the showbiz news needs to be left in good hands and somebody that deals with showbiz stories every morning and actually works alongside me most mornings when I am doing the radio…

‘This is the handover of all handovers! I really think this is the perfect guy for the job, I work with him every morning and he’s fantastic. It is Jordan North everybody!’

Jordan, 34, then joined Ben, co-host Cat Deeley and Sian in the studio, and said: ‘I’ve got a new shirt for this and everything!’

Ben joked: ‘This is the showbiz handover, like on the relay!’ with Sian quipping: ‘This is like the baton in the Olympics.’

Cat told Jordan: ‘We’ll make sure there’s an extra plate of food for you every week!’

Jordan added: ‘Absolutely, I’m just the supply teacher for the summer, that’s all.’

Sian told Ben and Cat: ‘I’m so glad it’s Jordan. You are brilliant and he’s the perfect guy for the job, we have such a laugh on Capital.’

At the end of the segment, hosting duo Ben and Cat gifted the mother-to-be with a baby grow, which she seemed thrilled about.

While Jordan will be Sian’s replacement on This Morning, taking over her seat at Capital Breakfast will be Kemi Rodgers.

Sian announced she was expecting her first child with her fiancé Jake live on air in February.

Sian said at the time: ‘I think I want to share something with the group right now, actually.

‘Seriously, guys: got a bit of an announcement for you. I’m pregnant! I don’t know how I’ve managed to keep it from you for this long, but I am, it’s not a joke.

‘The lies, the deceit, the mocktails! I couldn’t wait to tell you. This is a whole new journey for me and I want to take you all on it with me, and don’t worry I’m not going anywhere!

‘This is going to be a lot of fun and I can’t wait to share it with you all.’

Sian became engaged to Heart Radio producer Jake during a romantic holiday to Greece in 2023.

Jake – who popped the question in August last year – works for Heart Breakfast as a creative producer alongside hosts including Kelly Brook, Rochelle Humes, Vogue Williams and Emma Bunton.

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Source: USA Today

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.