England captain Joe Root said the International Cricket Council (ICC) should make its own judgement on the state of the pitch that saw his side routed inside two days in the third day-night Ahmedabad Test.
Left-arm spinner Axar Patel claimed an 11-wicket match haul as India beat England by 10 wickets, dashing the tourists' hopes of making the final of the inaugural World Test Championship (WTC) in June.
On a viciously turning track, England were shot out for 81 in the second innings, their lowest ever total against India, who had suffered their own first-innings collapse on a chaotic day at the Narendra Modi Stadium.
Chasing 49 for victory in the spin-dominated, low-scoring contest, India overwhelmed the target without losing a wicket to go 2-1 up in the four-Test series.
Victory was secured inside 140.2 overs – making it the shortest game since 1935 in terms of deliveries.
There was no shortage of opinion on the pitch, with former England captain Michael Vaughan deeming it "awful" on Twitter and his successors Sir Andrew Strauss and Sir Alastair Cook both taking a dim view on Channel 4.
The weight of Indian media saw it differently, while the top-scorer of the match, Rohit Sharma, even calling it "a nice pitch to bat on".
Root chose his words carefully as he dissected the defeat.
While accepting India's dominance he also suggested the governing body may want to take a view on the extreme conditions that ended the spectacle three days early for the fans in the ground, as well as those watching on at home.
"I think that this surface was a very challenging one, a very difficult one to play on. But it's not for players to decide if it's fit for purpose; that's up to the ICC," he said.
"I'm paid to play the game, not make those decisions, but it's something that I'm sure they look at off the back of the last couple of matches. There always has to be an element of home advantage, because that is part of the beauty of Test cricket. It's just how extreme you're willing to let the wickets be.
"We're bitterly disappointed. The fact is it was challenging for both teams and credit to India, they outplayed us on that wicket. It's just a real shame because it's a fantastic stadium, 40,000 people have come to watch a brilliant, iconic Test match and I feel for them.
"They came to watch Virat Kohli face Jimmy Anderson, Stuart Broad, Jack Leach and Ravichandran Ashwin against our top batsmen like Ben Stokes. I almost feel like they've been robbed."
Company profile
Name: Thndr
Started: October 2020
Founders: Ahmad Hammouda and Seif Amr
Based: Cairo, Egypt
Sector: FinTech
Initial investment: pre-seed of $800,000
Funding stage: series A; $20 million
Investors: Tiger Global, Beco Capital, Prosus Ventures, Y Combinator, Global Ventures, Abdul Latif Jameel, Endure Capital, 4DX Ventures, Plus VC, Rabacap and MSA Capital
The specs
Engine 60kwh FWD
Battery Rimac 120kwh Lithium Nickel Manganese Cobalt Oxide (LiNiMnCoO2) chemistry
Power 204hp Torque 360Nm
Price, base / as tested Dh174,500
More from Rashmee Roshan Lall
The Sand Castle
Director: Matty Brown
Stars: Nadine Labaki, Ziad Bakri, Zain Al Rafeea, Riman Al Rafeea
Rating: 2.5/5
Company: Instabug
Founded: 2013
Based: Egypt, Cairo
Sector: IT
Employees: 100
Stage: Series A
Investors: Flat6Labs, Accel, Y Combinator and angel investors
Wicked: For Good
Director: Jon M Chu
Starring: Ariana Grande, Cynthia Erivo, Jonathan Bailey, Jeff Goldblum, Michelle Yeoh, Ethan Slater
Rating: 4/5
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.
MATCH DETAILS
Liverpool 2
Wijnaldum (14), Oxlade-Chamberlain (52)
Genk 1
Samatta (40)
Abaya trends
The utilitarian robe held dear by Arab women is undergoing a change that reveals it as an elegant and graceful garment available in a range of colours and fabrics, while retaining its traditional appeal.
Dubai Bling season three
Cast: Loujain Adada, Zeina Khoury, Farhana Bodi, Ebraheem Al Samadi, Mona Kattan, and couples Safa & Fahad Siddiqui and DJ Bliss & Danya Mohammed
Rating: 1/5
UAE currency: the story behind the money in your pockets
