Ruth Langsford and Eamonn Holmes are both besotted with adorable Collie cross dog, Maggie, who they shared during their marriage. 

However, now that it’s all over after an almost three-decade long relationship, they are thought to be battling it out over who will have custody of the canine.

Meanwhile, Ruth shared an update on Instagram today about her beloved Maggie, fuming that she has to be separated from her while she’s hard at work on her QVC fashion projects. 

The Loose Women star reposted a story originally published by fellow star Will Gowing, boasting that – from 3pm today on QVC Style.

There will be hours of valuable fashion footage.

“Two hours of @ruthlangsford fashion today… join me and @samovens, sadly we’re not allowed to bring our dogs!” it was captioned. Ruth wrote in response: 

“Stupid rule!” before adding: “Have a great show x.”

A floral arrangement company softened the blow slightly when they gifted her some gorgeous pink peonies – but soft-hearted Ruth is thought to often be upset when she has to leave Maggie behind. Sources previously suggested that the dog is “like a daughter” to both her and Eamonn.

That’s something which could make things difficult when it comes to custody arrangements. Meanwhile, just last year, Ruth was in floods of tears as she pictured the idea of Maggie – a rescue dog – dying in the near future.

She was triggered by seeing a Coronation Street storyline play out, featuring character Evelyn (Maureen Lipman) facing the prospect of putting her dog down due to illness.

It triggered fears about Maggie, whom she fretted was looking “a bit grey”.

She is now 14, which in human years equates to almost 80 – and Ruth dabbed at her eyes with a tissue as her emotions overwhelmed her.

“I cant bear it. I’m a massive Corrie fan… oh god!” she exclaimed.

It turns out Ruth was even more emotional than the actress during the tear-jerking scenes.

“I was watching it and actually Maureen has written today saying she didn’t even need a tear stick from the make-up artist,” she exclaimed, contradicting that she personally couldn’t “see through the tears”.

Ruth and Eamonn first adopted little Maggie as a pup after being introduced to her at a 10th anniversary event for the Uxbridge Dogs Trust Centre – and she hasn’t looked back since.

Although she and Eamonn have now called it a day after 14 years of marriage and 27 years of dating, it’s certain that their “daughter” Maggie will not be neglected as a result of the split.

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Source: New York Post

Insurable Interest: A Key Concept in Insurance

Insurable interest is a fundamental principle of insurance contracts that ensures the legitimacy and fairness of insurance transactions. It refers to the legal right or financial interest a person or entity must have in the subject matter of the insurance contract. The concept ensures that the policyholder has a stake in the preservation or protection of the insured property or life. Without insurable interest, an insurance policy would not be valid or enforceable.

Key Aspects of Insurable Interest

1. Definition and Requirements
   • Definition: Insurable interest is a financial or other interest that one party has in the life, property, or liability that is the subject of insurance.
   • Requirements: It must be present at the time the insurance policy is issued. The policyholder should have a reasonable expectation of financial loss if the insured event occurs.
2. Examples of Insurable Interest
   • Life Insurance: A spouse has an insurable interest in the life of their partner because their financial security is tied to that person’s life.
   • Property Insurance: A homeowner has an insurable interest in their home and its contents because they own them.
   • Business Insurance: A company has an insurable interest in the health of its key employees, as their loss would affect business operations.
3. Purpose and Importance
   • Protection Against Moral Hazard: Ensures that the policyholder has a genuine interest in the preservation of the property or life, thus reducing the likelihood of fraudulent claims.
   • Legitimacy of Insurance Contracts: Guarantees that insurance contracts are not merely speculative bets on the occurrence of an event.

Types of Insurable Interest

1. Personal Insurable Interest: Direct and personal, such as a spouse having an interest in the life of the other spouse.
2. Financial Insurable Interest: A business owner has an interest in their inventory or machinery as loss would impact the business financially.
3. Property Insurable Interest: An individual has an interest in their home or car.

Legal Implications

• Life Insurance: Some jurisdictions require insurable interest only at the inception of the policy, while others require ongoing insurable interest throughout the policy term.
• Property Insurance: Insurance contracts may require insurable interest to be maintained throughout the duration of the policy. Failure to comply could result in the invalidation of claims.

Application in Insurance Policies

• Underwriting Process: Insurable interest is a key consideration during the underwriting process to assess risk and establish premiums.
• Claims Process: Insurable interest ensures that claims are legitimate, reducing fraudulent claims and ensuring that policyholders have a genuine financial stake.

Conclusion

Insurable interest is a foundational concept in insurance that ensures the integrity and validity of insurance contracts. It safeguards against moral hazard, establishes fairness in insurance transactions, and ensures that insurance policies provide genuine protection to policyholders. Understanding and applying insurable interest in insurance contracts is crucial for all parties involved, ensuring the protection and legitimacy of the insurance industry.