Blonde Katie, 42, was seen driving TV star Eamonn, 64, around in his black Range Rover.
Katie wore beige shorts and a black top in the sunshine and teamed the outfit with stylish platform wedges.
The mum-of-three covered her eyes with sunglasses as she headed over to Eamonn who sat waiting in the passenger seat.
It comes as The Sun revealed Katie has been staying with the GB News presenter – who is going through a divorce – in his luxury apartment.
The relationship counsellor from Yorkshire has also enjoyed trips to Ireland with Eamonn after they met through social media in 2015.
Eamonn treated her to a Beyonce concert, Center Parcs and a Manchester United game — while Katie has been seen in his native Belfast.
Eamonn and Loose Women star Ruth Langsford left fans and the showbiz world floored when they announced they were splitting in May after 14 years of marriage.
They had been together for 27 years.
A source told us: “The fact remains that he would still be in the marital home, being cared for by Ruth, if she didn’t find out what had gone on behind her back.
“There is a lot still to spill out on what has really gone on during Eamonn’s marriage. It will all come out in the wash.
“And even he will raise eyebrows at some of the details surrounding his new confidant Katie, who has told pals she’s ‘madly in love’ with him.
“Watch this space.”
Eamonn sparked concern today when he suddenly went off air after falling ill in the middle of his show.
The presenter has been plagued with ill-health in recent years.
He left viewers worried when he disappeared live on-air.
A GB News spokesperson said today: “Eamonn had to finish a little earlier today as he was feeling unwell. He hopes to be back tomorrow.’
Eamonn – who is struggling with chronic pain – had a double hip replacement in 2016, followed by surgery last year, which left him using a wheelchair.
He was seen arriving at an awards bash in a wheelchair last week.
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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.
