Mark Labbett’s ex-partner has branded the couple’s separation a “low move” as she addressed the real reason for their split.
Sky entertainment reporter, Hayley Palmer, and The Chase star marked their one year anniversary but split last month.
She has admittedly been left “heartbroken” over their break up but also suggested she was “blindsided” by the news.
Hayley claimed Mark dumped her in a three-minute phone call and she has not been in contact with him since.
The Chase favourite, best known as The Beast on the quiz programme, has yet to address the split.
In a new interview, Hayley claimed the real reason for their break-up was because Mark, 58, refuses to divorce his wife Katie, who he shares his son.
Hayley admitted she “doesn’t know what happened” as they had just celebrated their first anniversary on May 16 with a trip to the beach in Southsea, Hants, visiting the same place they shared their first date, followed by a meal.
They had even appeared on ITV’s Loose Women days earlier and spoken about their relationship — and their future together with plans to move in together.
Speaking to The Sun, Hayley said she received a phone call from Mark ending the relationship, allegedly claiming he didn’t want a divorce.
“The phone went from my hands, I just hung up on him,” she recalled. “I ended up walking around for three hours not knowing where I was going.”
Hayley went on: “He’d already suggested that we move in together, and it was a risk I was willing to take because I really loved him and believed we had a future together.”
Speaking about her heartbreak, she said: “Everyone who knows me knows I’m the happiest person, and very positive. I didn’t even want to get out of bed.
“I’ve not been in a good place at all. Thankfully I’ve got a lot of good people around me and they’ve helped me through it.”
Mark had split from his estranged wife Katie, 31, who is also his second cousin. The former couple went on to have an open marriage around 18 months before they split in 2020.
He went on to meet Hayley, herself a statuesque 5ft 11in, at the National Television Awards in September 2022.
Mark Labbett’s representatives declined to comment when approached by Express Online.
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Source: Tampa Bay Times
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.
