Loose Women host Ruth Langsford enjoyed a sweet reunion with three of her longtime friends in recent days.

As the weather brightened up in the UK following her very public split from Eamonn Holmes.

The 64-year-old broadcaster shared a few smiley selfies in light of her 1.1 million social media followers on her Instagram story on Sunday.

With the women looking happy and carefree.

The pictures were of Ruth and her longtime pals grouped together donning sunglasses as they soaked up the rays at an unknown outdoor location and had a much-needed catch-up.

The former This Morning host, who seems to be moving on with her life, captioned the first image uploaded to her story: “Best of Fridays with the best of friends.”

Ruth quipped in another caption added to the bottom of the snap: “Known each other since we were 11… 20 years ago obvs!”

In a second post, she shared a few stickers over a selfie of the four of them which simply said the words “reunion” and “goals”.

They appeared to enjoy a lunchtime table spread complete with an egg salad, bread, olives, prawns and dips before Ruth shared photos from a dog walk, with one little black pooch cooling off in a stream from the heat.

Her upbeat post comes weeks after her split from Eamonn Holmes was made public. They said in a joint statement in May: “After a long tennis match lasting over 20 years, we are finally putting our racquets down. In 2023, we jointly filed to end our marriage. We have always prioritised our privacy, and have been quietly working through this change.”

Eamonn made his first public appearance following the break-up announcement at the TRIC Awards last Tuesday – but he skipped the red carpet and the opportunity to be interviewed.

Eamonn, 64, who used to host This Morning alongside Ruth for many years, needed a walking aid to accept an award on stage at the ceremony for GB News in front of dozens of guests.

However, the GB News star appeared to take a thinly veiled swipe at his ex of 14 years while collecting the accolade for the best daytime television programme.

Referring to his chronic back pain, he told the audience: “I went for an operation a year and a half ago and it went wrong.

He then quipped: “I got two things in my back that I didn’t want.” It is unsure whether he was taking a jibe at Ruth or not.

Eamonn continued: “Thank you very much for this award. We were up against world-class programmes and that makes it a little bit more special. Sometimes we all think about imposter syndrome.”

Ruth didn’t attend the ceremony, held in London’s Mayfair, and Loose Women was not nominated for any awards.

The pair are in the process of divorcing – it was confirmed earlier this summer.

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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

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.