The insurance conundrum

Your saving tips are exceptionally helpful, although not at all reflective of my recent experience ( Your Money blog: 6 tips to help you save money on your car insurance in the UAE, January 16).

Zurich has exited this country, leaving me to find a new insurer. My car is a year older and has depreciated accordingly, although I have always carried comprehensive insurance with agency repairs to comply with warranty obligations. I don’t want GCC or off-road cover and have a clean driving record since 1983 (I’m older and female and less likely to engage in risky driving).

Nonetheless, the quotes I received were 40 per cent to 70 per cent higher than I had been paying at Zurich and all insurers refused to sell me a 12-month policy, despite the fact that I now have insurance that exceeds my registration by two months.

There was zero transparency, they refused to remove coverage I didn’t want and wouldn’t use, and increased my premium by more than Dh2,000 for agency repairs. That’s despite the fact that my driving record is completely clean, including almost 10 years in Dubai.

I hope the insurance regulator offers training to the insurance companies and standards for them to follow as these guidelines are nice, but they are neither understood nor being implemented. Elan Fabbri, Dubai