Relationship counsellor Katie Alexander, 42, has been on numerous outings with the presenter in the last 12 months.

The mother of three has now been seen visiting Eamonn, 64, at his rented apartment in South West London from her home in Yorkshire.

Katie was spotted driving to and from his luxury flat on Friday.

The news comes after The Sun on Sunday previously told how Eamonn was being comforted by a mystery marriage counsellor.

Former This Morning host Eamonn moved out of his marital home in Surrey last month after wife Ruth Langsford found messages between him and another mystery woman on a laptop.

Last week, a snap emerged of Eamonn at a safari park in February, with a blonde woman visible through the vehicle’s rear window.

Katie met Eamonn on X/Twitter in 2015 after she commented on a post and it sparked a conversation.

Last October he att­ended a charity fund­raising event in Yorkshire — close to Katie’s home — and be­came a patron.

The counsellor has worked for the charity as a therapist.

Eamonn posted snaps online from the event.

He has also treated Katie to a Beyonce concert, a visit to Center Parcs and tickets for a Manchester United game — while Katie has been seen in his native Belfast.

We exclusively told in May how Eamonn and Ruth split after 14 years of marriage and are to divorce.

Cracks had started to appear in their relationship and they had not been photographed together for two years.

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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

1. 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.
2. 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.
3. 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?

1. Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
2. Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
3. 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:

1. 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.
2. 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.
3. 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.