Eamonn Holmes made a light-hearted comment in the past, saying if his wife Ruth Langsford cared for him like she does their rescue dog, Maggie, he would be “a happy man”.
The former couple’s divorce announcement last month left fans surprised after 14 years of marriage.
During their lengthy relationship, they often spoke about their connection, which took on a new meaning 14 years ago when they adopted their beloved pet dog from Dogs Trust.
Speaking together in an interview in 2021, Eamonn and Ruth shared their deep love for their “adorable” canine friend, Maggie, who has been a source of comfort in difficult times.
“She’s just adorable,” said an enthusiastic Ruth to The Telegraph, the Mirror reports. “We adore her.
After a long, hard day, coming home to her is the best. When she sees me or Eamonn, her tail starts wagging, then she runs off to fetch a toy from her basket to give us.
“It’s the most heartwarming thing. All your worries, frustrations, and anger just melt away.”
In the same discussion, Eamonn affirmed Ruth’s feelings about their collective affection for Maggie, yet comically stated: “If my wife loved me the way my dog loves me, I’d be a very happy man”, according to the Express.
After adopting Maggie, the duo has kept fans amused with regular updates on social media. It appears Ruth has assumed responsibility for Maggie following their split, going by her recent Instagram posts.
The beloved TV presenter has been delighting her followers with snapshots of her rural walks accompanied by their cherished Collie cross on Instagram, while Eamonn has been conspicuously absent.
An insider revealed to The Sun the potential impact of Eamonn’s health issues on caring for Maggie, stating: “Maggie is like a daughter to them. They dote on her. But she’s getting on and they know she needs stability.
“It’s a case of who can give her that. Eamonn adores her and Maggie’s been such a support during his health woes.”
The source added: “The thought of giving her up is heartbreaking to him. But if Ruth is able to get out and about and walk her more, then it may well be that she gets Maggie in the split.”
The couple, who exchanged vows in 2010, share a 22-year-old son named Jack, and Eamonn has three additional children from a previous marriage, as well as two grandchildren.
Following the media coverage of their split, Eamonn shared his appreciation for the public’s kind words on his GB News show, saying: “Just before we move on we’d just like to thank people for your 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.”
Ruth has remained silent on the matter and is currently taking an extended hiatus from Loose Women.
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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
- 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.
- 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.
- 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
- Personal Insurable Interest: Direct and personal, such as a spouse having an interest in the life of the other spouse.
- Financial Insurable Interest: A business owner has an interest in their inventory or machinery as loss would impact the business financially.
- 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.
