Jail for Dubai driver who bit employer's wife over wages



DUBAI // A driver who bit the breast of his employer's wife was today sentenced to six months in prison.

KR, 57, from Pakistan, waited until the pair were alone in the family's office in Murshid Souq before throwing the woman on the floor, pulling her clothes off and biting into her flesh.

But the woman wriggled free and ran to a balcony where she retrieved a metal bar and hit him with it. As passersby - alerted by the woman's screams - gathered under the balcony, she warned the driver not to move and called her husband, who reported the matter to police and the man was arrested.

The woman said the attack, which took place on October 11, took her by surprise because the driver was "old" and had worked for the couple for a long time.

At the Criminal Court the driver denied a charge of sexual assault, saying there had been no such skirmish between them. He claimed he was being framed because he was demanding Dh1,500 in unpaid wages.

However, medics at Al Baraha Hospital confirmed there was a bit mark on the woman's left breast.

The driver will be deported after serving his prison term.

salamir@thenational.ae

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How Islam's view of posthumous transplant surgery changed

Transplants from the deceased have been carried out in hospitals across the globe for decades, but in some countries in the Middle East, including the UAE, the practise was banned until relatively recently.

Opinion has been divided as to whether organ donations from a deceased person is permissible in Islam.

The body is viewed as sacred, during and after death, thus prohibiting cremation and tattoos.

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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