On a commute between Dubai and Abu Dhabi, a journey tens of thousands make every day, saving 12 minutes seems like a negligible achievement. Arriving 12 minutes earlier in Dubai won't mean you will catch the beginning of the movie; it won't make a difference in getting to the restaurant on time. It is certainly not enough time saved to risk your life for.
Yet according to an investigation by The National, 12 minutes is the difference between driving safely along the Dubai-Abu Dhabi motorway and weaving dangerously between the lanes at high speed. Our investigation concluded that those who drove fast and those who weaved all over the road, risking crashes, only had a small time advantage over those who drove steadily and followed standard international safe driving practices.
In addition, The National's guinea pigs wore heart monitors, which showed that those who drove slowly and steadily also saw their heart rates jump least, while erratic driving led to jumps in heart-rates and therefore in stress. So, more stress and more risk, to save only a few minutes.
This newspaper's survey is hardly conclusive, but it is indicative of something most commuters probably know already: that recklessly weaving across lanes doesn't lead to a faster commute; it just seems that way. Driving style is a balance between risk and reward, and the rewards of driving erratically just aren't sufficient: risking your health and safety for mere minutes is not a rational choice.
As we have stated many times, what we need in the UAE is to develop a safe-driving culture. Changing attitudes towards speeding and altering driving styles is a long-term process. Awareness of the risks and rewards is one aspect; technology is another. As we also report today, road-safety specialists are recommending a point-to-point radar system. Implementing this technology would allow the automatic calculation of vehicle speed based on the time taken to travel between two radar points.
The point-to-point radar system has not yet been enforced but the technology has been tested. Experts believe that enforcing the system would help to curb erratic manoeuvring and limit this bad driving behaviour on UAE roads.
Making smart decisions depends on calculating the amount of opportunities and risks involved. Is it work risking life and limb, with a strong likelihood of being caught, just to save 12 minutes?
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The Perfect Couple
Starring: Nicole Kidman, Liev Schreiber, Jack Reynor
Creator: Jenna Lamia
Rating: 3/5
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Profile of Hala Insurance
Date Started: September 2018
Founders: Walid and Karim Dib
Based: Abu Dhabi
Employees: Nine
Amount raised: $1.2 million
Funders: Oman Technology Fund, AB Accelerator, 500 Startups, private backers
CREW
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The biog
Mission to Seafarers is one of the largest port-based welfare operators in the world.
It provided services to around 200 ports across 50 countries.
They also provide port chaplains to help them deliver professional welfare services.
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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.
BEETLEJUICE BEETLEJUICE
Starring: Winona Ryder, Michael Keaton, Jenny Ortega
Director: Tim Burton
Rating: 3/5
EA Sports FC 25
Developer: EA Vancouver, EA Romania
Publisher: EA Sports
Consoles: Nintendo Switch, PlayStation 4&5, Xbox One and Xbox Series X/S
Rating: 3.5/5
Starring: Jamie Foxx, Angela Bassett, Tina Fey
Directed by: Pete Doctor
Rating: 4 stars
UFC%20FIGHT%20NIGHT%3A%20SAUDI%20ARABIA%20RESULTS
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The specs
Engine: 77.4kW all-wheel-drive dual motor
Power: 320bhp
Torque: 605Nm
Transmission: Single-speed automatic
Price: From Dh219,000
On sale: Now
Our legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants
BORDERLANDS
Starring: Cate Blanchett, Kevin Hart, Jamie Lee Curtis
Director: Eli Roth
Rating: 0/5
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.
Our family matters legal consultant
Name: Hassan Mohsen Elhais
Position: legal consultant with Al Rowaad Advocates and Legal Consultants.
'Hocus%20Pocus%202'
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