Eamonn Holmes returned to TV today after it was revealed he and wife Ruth Langsford had split – and he was in no mood to pull in any punches.

The presenter, 64, fronted his Breakfast with Eamonn and Isobel show on GB News from 6am,

following the announcement that his 27-year relationship with Loose Women’s Ruth is over.

He attacked Rishi Sunak, tore into an MP who appeared on the show, and accused the government of “stealing”, but struck a note of gratitude when referencing his break-up.

Eamonn addressed it an hour into the show, saying: “I’d like to thank people for their support for Ruth

and I over the last few days as to the news of our separation. Your support for both of us is very much appreciated.”

However, though newspaper front pages about his marriage were not shown in the early paper review,

the star had no problem making his views known on other aspects of the news.

Among his targets were prime minister Rishi Sunak, who was mocked after he was seen playing football. Comparing him to a school headteacher, he said: “Can this man get any more boring than he is?

“This business of conscription, this business of maths. He just would have made a perfect awful head teacher, wouldn’t he? Oh, Mr Sunak’s in today, he’s a right bore, he is.”

He added: “You don’t see presidential candidates in America doing this. They act Presidentially. All this business of kicking footballs is a lot of nonsense.”

Eamonn also accused the government of “stealing” from “people who are out there earning” with retrospective taxes during an interview with MP Mel Stride where he spoke dismissively of “the department of thievery”.

A spokesperson told The Sun on Saturday that Eamonn and Ruth – familiar to millions for their time fronting This Morning together on Fridays – had come to an end.

It said: “Ruth Langsford and Eamonn Holmes have confirmed their marriage is over and they are in the process of divorcing.”

He did not address the news at the start of his GB News show today and front pages that carried stories about the split were not shown on air.

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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.