Ali Waqar was considering buying a 2009 Ford Explorer for Dh14,500 in December, but he put off the purchase until January.
The delay cost the Pakistani banker, 36, an additional Dh400 – not on the price of his new motor, but on the car insurance policy.
This was because of a raft of new rules introduced in the UAE on January 1 governing how the car insurance market operates.
“It was an old car, so I wasn’t willing to go for anything other than third-party insurance,” says Abu Dhabi resident Mr Waqar. “But I delayed the transaction and then when I bought the car in January, I had to pay Dh1,400, compared to about Dh1,000, which I had been quoted from the same insurance company a month earlier.”
Mr Waqar is one of many UAE residents to receive an unexpected hike in his insurance quote this year. While the changes have resulted in increased coverage for drivers, they have also increased premiums, causing confusion for many drivers.
Recent data from the comparison site compareit4me.com shows that drivers in the UAE are paying an average of 14.88 per cent more for their car insurance in 2017 than in 2016. Those who have fared the worst are drivers of SUVs valued at under Dh50,000, who have seen fully comprehensive premiums jump by an average of 40.59 per cent, compared to 9.53 per cent more for saloon car owners.
But the changes aren’t all bad news for consumers, says Mirza Qouneh, a legal adviser at the UAE’s Insurance Authority who helped to draw up the new legal framework. “Now the maximum liability of the insurance company for third-party property damage has increased eightfold, from Dh250,000 to Dh2 million, so it’s a win-win situation,” says Mr Qouneh.
He illustrates his point with the example of an insured driver causing an accident that writes off another driver’s SUV, worth Dh400,000. “In the past, the insurance company would only pay up to Dh250,000, so the insured would then be liable to pay Dh150,000 from their own pocket,” explains Mr Qouneh. “Now the insurance company pays up to Dh2m, which provides enough protection for the person who caused the accident and also for the injured parties.”
Mr Qouneh and his team didn’t embark upon the changes lightly. First they spent three years researching car insurance practices in other countries, as well as analysing the local market.
“Car insurance policies in the UAE had remained more or less the same for the past 30 years,” Mr Qouneh says. “Back then, the most expensive cars only cost around Dh15,000. But now the price of cars has of course gone up, so there was a substantial need to make a new policy model that provides a wider scope of protection.”
A number of other new rules have also widened the scope of coverage. Whereas in the past, parents, spouses and children present in the car at the time of the accident were excluded from coverage, now they are covered up to Dh200,000 each.
Omar Ghazanfar, a British doctor based in Abu Dhabi, has a Ford Explorer which he insured last year for Dh3,200, and is currently looking at a quotation of Dh4,000 – “despite the car value having depreciated”, he says. Although he’s now paying more than he’d anticipated for his insurance, at least now, Mr Ghazanfar’s wife and two children, ages 10 and 7, are also covered in the event they are also in the car in an accident.
The new rules also work in favour of those with cars less than a year old. “In the past, insurance companies had the freedom to fix the car of the injured party in any auto-shop, even if it was one that was run by a couple of novices trying to learn how to become mechanics,” says Mr Qouneh. “Now, according to the new regulations, if the car is one year old or less, the insurance company is compelled to fix the car in the dealership.”
Another plus point is that insurance companies were previously under no legal obligation to compensate within a specific period of time. Now, if a person files a claim with the company and has all the necessary documents, the insurance company must settle the claim and pay compensation within 15 days. “It’s about speeding up the process,” Mr Qouneh explains. “If the insurance company doesn’t pay the claim in a timely manner, the injured party, and/or the insured, can ask the insurance company to pay them damages for not paying the claims within that 15 days, in addition to paying the amount of the claim.”
If you are not at fault, according to the new rules, you’re now automatically provided with a replacement car (or the equivalent compensation) by the other party’s insurance provider for a maximum of 10 days at up to Dh300 a day.
The new regulations have also closed legal loopholes to prevent insurance companies from getting out of paying in the event of bad weather. After the unprecedented storm of March 2016, some insurance companies tried to avoid paying claims by arguing that the damage to cars was caused by a “flood”, Mr Qouneh explains. “This was because floods, as well as other such natural disasters, were excluded from coverage. We amended the policy, so that only the concerned authority in that particular emirate can declare an event to be a natural disaster, not the insurance company. In the case of the storm last March, the storm was never officially declared as such,” he says.
But while better cover is positive for UAE consumers, the rise in premiums has the knock-on effect of making them gravitate towards cheaper third-party liability insurance, rather than comprehensive cover. According to Compareit4me site, its share of third-party policy sales doubled in the January-February 2017 period, compared to the last two months of 2016.
“This may suggest that more UAE residents are being driven towards third-party coverage, having been priced out of the ability to secure fully comprehensive policies,” says Jonathan Rawling, chief financial officer at compareit4me.com. “If this trend continues, we may see a situation in which the least affluent people in the UAE are left with inadequate financial protection.”
However the price of third-party liability has also risen in line with new guidelines. In the past, insurance companies were able to sell third-party policies for a minimum of Dh600, whereas now the minimum is Dh750.
Mr Rawling says those looking to reduce what they pay should consider reducing add-ons – extra protection that is not standard on a policy such as off-road cover.
“In a legal sense, you only ‘need’ to have third-party insurance for your car to drive on the roads. But lots of people opt for fully comprehensive cover because it protects the investment they’ve made into the vehicle. It’s the same story with add-ons,” he says.
“If you’ll benefit from the feature, then it’s probably a box worth ticking, particularly given they only cost about Dh150 apiece. And if you really won’t benefit from an add-on then you’re under no obligation to buy it.”
However, not all consumers are paying more now for their car insurance.
Noelia Corte, a Spaniard who lives in Dubai, has just renewed her fully comprehensive policy with RSA Insurance Group for her 2012 Toyota Land Cruiser for Dh2,950, compared to the approximately Dh3,600 last year she paid with a different company.
“This is the lowest premium I have paid since I came to the UAE five years ago, and I was really surprised to read that others are experiencing premium increases,” she says.
Mr Qouneh points out that consumers can now choose between 48 different insurance companies on the market when they’re shopping around for quotes. “Many of them sell by the minimum standard, so you can always buy insurance from those cheaper companies,” he says. But many consumers don’t renew their car insurance until the last minute, leaving them with less time to shop around. According to ServiceMarket.com, a marketplace for home services, almost a third of residents look to buy their car insurance within a day of their car registration renewal date.
Mr Waqar took a savvier approach, securing his premium through haggling and comparing the market online. He is now about to pay for the annual renewal on his other car, a 2014 Honda Accord. His premium is Dh2,450, which has remained the same year-on-year since he purchased the car new, despite the fact that the vehicle has depreciated in value by 15 to 20 per cent each year.
“Of course I’m not happy, I was expecting to pay less this year,” he says. “I feel like the companies are squeezing us, at a time when life in the UAE is becoming more expensive,” he says.
Despite the wide scope of changes, some experts feel they don’t go far enough, especially when it comes to penalising dangerous drivers.
Phil Clarke, road safety consultant at the Transport Research Lab, says one factor that needs addressing is the ease of having a car insured without checking a background check on the motorist for traffic offences.
“In the UAE there is no link between driving records and the cost of insurance,” he says.
Frederik Bisbjerg, the executive vice president, retail Mena, at Qatar Insurance Company, says that drivers with a history of causing accidents can also still escape paying higher premiums by switching to another insurer. “The issue arises when a driver with accident history switches insurers to avoid a higher premium; the new insurer cannot (yet) check his accidents and therefore will tend to offer him too low a rate. I know the RTA [Road and Transport Authority] is working on a solution where accident history will be shared between insurers, so I believe it’s a solution that’s coming soon.”
pf@thenational.ae
Follow us on Twitter @TheNationalPF
Armies of Sand
By Kenneth Pollack (Oxford University Press)
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hall of shame
SUNDERLAND 2002-03
No one has ended a Premier League season quite like Sunderland. They lost each of their final 15 games, taking no points after January. They ended up with 19 in total, sacking managers Peter Reid and Howard Wilkinson and losing 3-1 to Charlton when they scored three own goals in eight minutes.
SUNDERLAND 2005-06
Until Derby came along, Sunderland’s total of 15 points was the Premier League’s record low. They made it until May and their final home game before winning at the Stadium of Light while they lost a joint record 29 of their 38 league games.
HUDDERSFIELD 2018-19
Joined Derby as the only team to be relegated in March. No striker scored until January, while only two players got more assists than goalkeeper Jonas Lossl. The mid-season appointment Jan Siewert was to end his time as Huddersfield manager with a 5.3 per cent win rate.
ASTON VILLA 2015-16
Perhaps the most inexplicably bad season, considering they signed Idrissa Gueye and Adama Traore and still only got 17 points. Villa won their first league game, but none of the next 19. They ended an abominable campaign by taking one point from the last 39 available.
FULHAM 2018-19
Terrible in different ways. Fulham’s total of 26 points is not among the lowest ever but they contrived to get relegated after spending over £100 million (Dh457m) in the transfer market. Much of it went on defenders but they only kept two clean sheets in their first 33 games.
LA LIGA: Sporting Gijon, 13 points in 1997-98.
BUNDESLIGA: Tasmania Berlin, 10 points in 1965-66
Villains
Queens of the Stone Age
Matador
A MINECRAFT MOVIE
Director: Jared Hess
Starring: Jack Black, Jennifer Coolidge, Jason Momoa
Rating: 3/5
I Feel Pretty
Dir: Abby Kohn/Mark Silverstein
Starring: Amy Schumer, Michelle Williams, Emily Ratajkowski, Rory Scovel
NO OTHER LAND
Director: Basel Adra, Yuval Abraham, Rachel Szor, Hamdan Ballal
Stars: Basel Adra, Yuval Abraham
Rating: 3.5/5
In numbers: PKK’s money network in Europe
Germany: PKK collectors typically bring in $18 million in cash a year – amount has trebled since 2010
Revolutionary tax: Investigators say about $2 million a year raised from ‘tax collection’ around Marseille
Extortion: Gunman convicted in 2023 of demanding $10,000 from Kurdish businessman in Stockholm
Drug trade: PKK income claimed by Turkish anti-drugs force in 2024 to be as high as $500 million a year
Denmark: PKK one of two terrorist groups along with Iranian separatists ASMLA to raise “two-digit million amounts”
Contributions: Hundreds of euros expected from typical Kurdish families and thousands from business owners
TV channel: Kurdish Roj TV accounts frozen and went bankrupt after Denmark fined it more than $1 million over PKK links in 2013
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The rules on fostering in the UAE
A foster couple or family must:
- be Muslim, Emirati and be residing in the UAE
- not be younger than 25 years old
- not have been convicted of offences or crimes involving moral turpitude
- be free of infectious diseases or psychological and mental disorders
- have the ability to support its members and the foster child financially
- undertake to treat and raise the child in a proper manner and take care of his or her health and well-being
- A single, divorced or widowed Muslim Emirati female, residing in the UAE may apply to foster a child if she is at least 30 years old and able to support the child financially
Director: Laxman Utekar
Cast: Vicky Kaushal, Akshaye Khanna, Diana Penty, Vineet Kumar Singh, Rashmika Mandanna
Rating: 1/5
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Stuck in a job without a pay rise? Here's what to do
Chris Greaves, the managing director of Hays Gulf Region, says those without a pay rise for an extended period must start asking questions – both of themselves and their employer.
“First, are they happy with that or do they want more?” he says. “Job-seeking is a time-consuming, frustrating and long-winded affair so are they prepared to put themselves through that rigmarole? Before they consider that, they must ask their employer what is happening.”
Most employees bring up pay rise queries at their annual performance appraisal and find out what the company has in store for them from a career perspective.
Those with no formal appraisal system, Mr Greaves says, should ask HR or their line manager for an assessment.
“You want to find out how they value your contribution and where your job could go,” he says. “You’ve got to be brave enough to ask some questions and if you don’t like the answers then you have to develop a strategy or change jobs if you are prepared to go through the job-seeking process.”
For those that do reach the salary negotiation with their current employer, Mr Greaves says there is no point in asking for less than 5 per cent.
“However, this can only really have any chance of success if you can identify where you add value to the business (preferably you can put a monetary value on it), or you can point to a sustained contribution above the call of duty or to other achievements you think your employer will value.”
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Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
From Zero
Artist: Linkin Park
Label: Warner Records
Number of tracks: 11
Rating: 4/5
Rankings
ATP: 1. Novak Djokovic (SRB) 10,955 pts; 2. Rafael Nadal (ESP) 8,320; 3. Alexander Zverev (GER) 6,475 ( 1); 5. Juan Martin Del Potro (ARG) 5,060 ( 1); 6. Kevin Anderson (RSA) 4,845 ( 1); 6. Roger Federer (SUI) 4,600 (-3); 7. Kei Nishikori (JPN) 4,110 ( 2); 8. Dominic Thiem (AUT) 3,960; 9. John Isner (USA) 3,155 ( 1); 10. Marin Cilic (CRO) 3,140 (-3)
WTA: 1. Naomi Osaka (JPN) 7,030 pts ( 3); 2. Petra Kvitova (CZE) 6,290 ( 4); 3. Simona Halep (ROM) 5,582 (-2); 4. Sloane Stephens (USA) 5,307 ( 1); 5. Karolina Pliskova (CZE) 5,100 ( 3); 6. Angelique Kerber (GER) 4,965 (-4); 7. Elina Svitolina (UKR) 4,940; 8. Kiki Bertens (NED) 4,430 ( 1); 9. Caroline Wozniacki (DEN) 3,566 (-6); 10. Aryna Sabalenka (BLR) 3,485 ( 1)
UAE Falcons
Carly Lewis (captain), Emily Fensome, Kelly Loy, Isabel Affley, Jessica Cronin, Jemma Eley, Jenna Guy, Kate Lewis, Megan Polley, Charlie Preston, Becki Quigley and Sophie Siffre. Deb Jones and Lucia Sdao – coach and assistant coach.
ENGLAND SQUAD
Goalkeepers Henderson, Pickford, Pope.
Defenders Alexander-Arnold, Chilwell, Coady, Dier, Gomez, Keane, Maguire, Maitland-Niles, Mings, Saka, Trippier, Walker.
Midfielders Henderson, Mount, Phillips, Rice, Ward-Prowse, Winks.
Forwards Abraham, Barnes, Calvert-Lewin, Grealish, Ings, Kane, Rashford, Sancho, Sterling.
The chef's advice
Troy Payne, head chef at Abu Dhabi’s newest healthy eatery Sanderson’s in Al Seef Resort & Spa, says singles need to change their mindset about how they approach the supermarket.
“They feel like they can’t buy one cucumber,” he says. “But I can walk into a shop – I feed two people at home – and I’ll walk into a shop and I buy one cucumber, I’ll buy one onion.”
Mr Payne asks for the sticker to be placed directly on each item, rather than face the temptation of filling one of the two-kilogram capacity plastic bags on offer.
The chef also advises singletons not get too hung up on “organic”, particularly high-priced varieties that have been flown in from far-flung locales. Local produce is often grown sustainably, and far cheaper, he says.
HWJN
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UAE currency: the story behind the money in your pockets
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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
SHAITTAN
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The Perfect Couple
Starring: Nicole Kidman, Liev Schreiber, Jack Reynor
Creator: Jenna Lamia
Rating: 3/5
You Were Never Really Here
Director: Lynne Ramsay
Starring: Joaquim Phoenix, Ekaterina Samsonov
Four stars
The Limehouse Golem
Director: Juan Carlos Medina
Cast: Olivia Cooke, Bill Nighy, Douglas Booth
Three stars
Bert van Marwijk factfile
Born: May 19 1952
Place of birth: Deventer, Netherlands
Playing position: Midfielder
Teams managed:
1998-2000 Fortuna Sittard
2000-2004 Feyenoord
2004-2006 Borussia Dortmund
2007-2008 Feyenoord
2008-2012 Netherlands
2013-2014 Hamburg
2015-2017 Saudi Arabia
2018 Australia
Major honours (manager):
2001/02 Uefa Cup, Feyenoord
2007/08 KNVB Cup, Feyenoord
World Cup runner-up, Netherlands
Ms Yang's top tips for parents new to the UAE
- Join parent networks
- Look beyond school fees
- Keep an open mind
