The average cost of replacement car coverage is Dh174, according to yallacompare. Photo: Dubai Police
The average cost of replacement car coverage is Dh174, according to yallacompare. Photo: Dubai Police

Replacement vehicle the most popular car insurance add-on for UAE drivers



A replacement car was the most popular car insurance add-on sold in the UAE during the second quarter of this year, according to a study from financial comparison site yallacompare.

Forty-three per of UAE car insurance buyers who bought add-ons between the start of April and the end of June chose replacement car coverage at an average cost of Dh174, yallacompare said in a statement on Thursday. Twenty-seven per cent chose personal accident protection at an average cost of Dh120 and a fifth opted for breakdown cover at an average cost of Dh47.

“The minimum levels of cover that mandate a replacement car for anyone not at fault in an accident were introduced by the UAE's Insurance Authority in January 2017,” said Jonathan Rawling, the chief financial officer of yallacompare. “However, the replacement car add-on selected by these buyers provides a replacement car to the owner of the premium regardless of who is at fault.”

Yallacompare analysed sales data from its online car insurance comparison portal, which it says represents over 76 per cent of all online insurance sales in the GCC. The research found that 20 per cent of UAE car insurance buyers selected at least one add-on during the second quarter.

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Read more:

Car insurance premiums fall by an average Dh169 in the first half of the year

UAE consumers are skipping car insurance add-ons to lower premiums

How to renew your car registration in Abu Dhabi and Dubai

Safe drivers in UAE entitled to no-claims discounts of up to 20%

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The car insurance market had an overhaul at the start of 2017 when the IA made a number of changes including demanding UAE insurers adopt minimum comprehensive insurance premiums of Dh1,300 for saloon cars and Dh2,000 for SUVs.

“While the headline news was that new minimum premiums would be introduced (with comprehensive car insurance prices going up by 14.9 per cent as a result), that increase paid for better levels of cover,” said Mr Rawling. “Along with a replacement car for the party not at fault, the minimum cap on third-party damage was raised from Dh250,000 to Dh2 million, and personal accident cover for passengers had to be included in every comprehensive policy.”

A study released in June by financial comparison competitor Souqalmal.com found that car insurance buyers in the UAE are skipping add-on covers to reduce their premiums.

Just under one in five UAE consumers who bought policies through Souqalmal opted for the agency repair add-on in 2017 – a feature that allows drivers to have accident repairs carried out by the dealership they bought the car from. The website said that was a significant drop on 2016 when over 42 per cent chose this feature.

Mr Rawling said evidence from separate research Yallacompare had carried out also suggested that UAE residents are becoming more cost-conscious - particularly since the introduction of five per cent VAT in January.

“However, being cost-conscious and choosing to buy a car insurance add-on aren't mutually exclusive,” he said. “In some cases, it makes financial sense to purchase a cheaper car insurance policy and a single add-on. The point is that, if you compare insurance options online, you're always going to find the best deal for whatever level of coverage you need.”

According to a July study released by insurance comparison site InsuranceMarket.ae and the classifieds platform Dubizzle, premiums in the UAE declined by an average of Dh169 in the first half of 2018 for the most insured car brands compared to the same period last year.

Ford, Honda, Mitsubishi, Nissan, and Toyota are the top five insured car brands in the UAE, according to InsuranceMarket.ae, which assessed about 56,000 enquiries to the site between January 1 and June 14 2018.

The more serious side of specialty coffee

While the taste of beans and freshness of roast is paramount to the specialty coffee scene, so is sustainability and workers’ rights.

The bulk of genuine specialty coffee companies aim to improve on these elements in every stage of production via direct relationships with farmers. For instance, Mokha 1450 on Al Wasl Road strives to work predominantly with women-owned and -operated coffee organisations, including female farmers in the Sabree mountains of Yemen.

Because, as the boutique’s owner, Garfield Kerr, points out: “women represent over 90 per cent of the coffee value chain, but are woefully underrepresented in less than 10 per cent of ownership and management throughout the global coffee industry.”

One of the UAE’s largest suppliers of green (meaning not-yet-roasted) beans, Raw Coffee, is a founding member of the Partnership of Gender Equity, which aims to empower female coffee farmers and harvesters.

Also, globally, many companies have found the perfect way to recycle old coffee grounds: they create the perfect fertile soil in which to grow mushrooms. 

What it means to be a conservationist

Who is Enric Sala?

Enric Sala is an expert on marine conservation and is currently the National Geographic Society's Explorer-in-Residence. His love of the sea started with his childhood in Spain, inspired by the example of the legendary diver Jacques Cousteau. He has been a university professor of Oceanography in the US, as well as working at the Spanish National Council for Scientific Research and is a member of the World Economic Forum’s Global Future Council on Biodiversity and the Bio-Economy. He has dedicated his life to protecting life in the oceans. Enric describes himself as a flexitarian who only eats meat occasionally.

What is biodiversity?

According to the United Nations Environment Programme, all life on earth – including in its forests and oceans – forms a “rich tapestry of interconnecting and interdependent forces”. Biodiversity on earth today is the product of four billion years of evolution and consists of many millions of distinct biological species. The term ‘biodiversity’ is relatively new, popularised since the 1980s and coinciding with an understanding of the growing threats to the natural world including habitat loss, pollution and climate change. The loss of biodiversity itself is dangerous because it contributes to clean, consistent water flows, food security, protection from floods and storms and a stable climate. The natural world can be an ally in combating global climate change but to do so it must be protected. Nations are working to achieve this, including setting targets to be reached by 2020 for the protection of the natural state of 17 per cent of the land and 10 per cent of the oceans. However, these are well short of what is needed, according to experts, with half the land needed to be in a natural state to help avert disaster.

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COMPANY PROFILE

Company: Bidzi

● Started: 2024

● Founders: Akshay Dosaj and Asif Rashid

● Based: Dubai, UAE

● Industry: M&A

● Funding size: Bootstrapped

● No of employees: Nine

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COMPANY PROFILE
Name: HyperSpace
 
Started: 2020
 
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
 
Based: Dubai, UAE
 
Sector: Entertainment 
 
Number of staff: 210 
 
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
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In the box: iPad mini, USB-C cable, 20W USB-C power adapter

Price: From Dh2,099

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COMPANY PROFILE

Name: Qyubic
Started: October 2023
Founder: Namrata Raina
Based: Dubai
Sector: E-commerce
Current number of staff: 10
Investment stage: Pre-seed
Initial investment: Undisclosed 

Jigra
Director: Vasan Bala
Starring: Alia Bhatt, Vedang Raina, Manoj Pahwa, Harsh Singh
Rated: 3.5/5
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How to protect yourself when air quality drops

Install an air filter in your home.

Close your windows and turn on the AC.

Shower or bath after being outside.

Wear a face mask.

Stay indoors when conditions are particularly poor.

If driving, turn your engine off when stationary.

Company Profile

Name: JustClean

Based: Kuwait with offices in other GCC countries

Launch year: 2016

Number of employees: 130

Sector: online laundry service

Funding: $12.9m from Kuwait-based Faith Capital Holding

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Famous left-handers

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- Jimi Hendrix

- Leonardo Di Vinci

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- Albert Einstein

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- Barack Obama

- Helen Keller

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Another way to earn air miles

In addition to the Emirates and Etihad programmes, there is the Air Miles Middle East card, which offers members the ability to choose any airline, has no black-out dates and no restrictions on seat availability. Air Miles is linked up to HSBC credit cards and can also be earned through retail partners such as Spinneys, Sharaf DG and The Toy Store.

An Emirates Dubai-London round-trip ticket costs 180,000 miles on the Air Miles website. But customers earn these ‘miles’ at a much faster rate than airline miles. Adidas offers two air miles per Dh1 spent. Air Miles has partnerships with websites as well, so booking.com and agoda.com offer three miles per Dh1 spent.

“If you use your HSBC credit card when shopping at our partners, you are able to earn Air Miles twice which will mean you can get that flight reward faster and for less spend,” says Paul Lacey, the managing director for Europe, Middle East and India for Aimia, which owns and operates Air Miles Middle East.

BULKWHIZ PROFILE

Date started: February 2017

Founders: Amira Rashad (CEO), Yusuf Saber (CTO), Mahmoud Sayedahmed (adviser), Reda Bouraoui (adviser)

Based: Dubai, UAE

Sector: E-commerce 

Size: 50 employees

Funding: approximately $6m

Investors: Beco Capital, Enabling Future and Wain in the UAE; China's MSA Capital; 500 Startups; Faith Capital and Savour Ventures in Kuwait

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COPA DEL REY

Semi-final, first leg

Barcelona 1 (Malcom 57')
Real Madrid (Vazquez 6')

Second leg, February 27

COMPANY PROFILE
Name: ARDH Collective
Based: Dubai
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Sector: Sustainability
Total funding: Self funded
Number of employees: 4
Cricket World Cup League 2

UAE squad

Rahul Chopra (captain), Aayan Afzal Khan, Ali Naseer, Aryansh Sharma, Basil Hameed, Dhruv Parashar, Junaid Siddique, Muhammad Farooq, Muhammad Jawadullah, Muhammad Waseem, Omid Rahman, Rahul Bhatia, Tanish Suri, Vishnu Sukumaran, Vriitya Aravind

Fixtures

Friday, November 1 – Oman v UAE
Sunday, November 3 – UAE v Netherlands
Thursday, November 7 – UAE v Oman
Saturday, November 9 – Netherlands v UAE

THE APPRENTICE

Director: Ali Abbasi

Starring: Sebastian Stan, Maria Bakalova, Jeremy Strong

Rating: 3/5

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