Novak Djokovic slumped after winning the French Open and completing the career Grand Slam in June. Robert Ghement / EPA
Novak Djokovic slumped after winning the French Open and completing the career Grand Slam in June. Robert Ghement / EPA

Threat of Andy Murray has Novak Djokovic ‘regenerated’ ahead of Paris Masters



Novak Djokovic admits that Andy Murray's dramatic last-gasp assault on his world No 1 ranking has rejuvenated a season which was limping into mediocrity for the 12-time major winner.

Djokovic has suffered a worrying dip in form since winning his first French Open and completing the career Grand Slam in June.

He had a shock early loss at Wimbledon followed by a first-round exit at the Olympics and a runners-up spot at the US Open.

But as the 29-year-old prepares to defend the Paris Masters title he has won for the past three years, he insists Murray’s charge for the top has provided the fresh impetus he needs.

“It makes me want to go on court and fight for every point because there is something to win at the end,” Djokovic said, adding he felt “rejuvenated and regenerated”.

If Djokovic reaches next Sunday’s final in Paris he will retain the world No 1 ranking that he has held for 122 weeks straight, no matter what Murray does in the French capital.

But if he fails to make the championship match, then Murray will become the No 1 as long as the British star wins the title.

The 29-year-old Murray took a step closer to the top spot on Sunday by winning the Vienna ATP title.

“Andy is playing maybe the best tennis he’s ever played. He definitely deserves to be in the position to finish up the year as number one. Whether or not that’s going to happen, it doesn’t depend only on him. It depends on me as well,” said Djokovic.

“I just try to work on my game these days and I know if I’m on the level I desire, I can challenge anybody or beat anybody.”

Djokovic, who has admitted “private issues” contributed to his summer slump – he has not said what those were – believes Paris is the perfect place to revive his fortunes on his return to the French capital.

“Winning Roland Garros this year gave me a lot of joy but it required a lot of energy. I felt a little exhausted after and I was a little less motivated,” said the Serb, who hasn’t played since a semi-final defeat to Roberto Bautista Agut in the Shanghai Masters in mid-October.

“I took a little time to think about all these things, to find a new motivation and a new ambition. It’s in place. I feel good. I’m happy to come back here to Paris. I hope to have a good week.”

Djokovic has a bye in the first round at the Paris Masters before facing either Nicolas Almagro or Gilles Muller.

In Vienna, Murray swept past Frenchman Jo-Wilfried Tsonga 6-3, 7-6 (8/6) to earn his seventh title of the year and ramp up the pressure on Djokovic.

The Olympic and Wimbledon champion took his recent run to 15 straight victories, in which he has picked up the China Open and Shanghai Masters titles as well.

He now has 42 career titles and a second in Vienna, after also winning in 2014.

“I think I played my best tennis of the tournament today,” said Murray.

Like Djokovic, Murray too has a first-round bye in Paris and will face either Fernando Verdasco or Robin Haase in his opening match.

*Agence France-Presse

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A State of Passion

Directors: Carol Mansour and Muna Khalidi

Stars: Dr Ghassan Abu-Sittah

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.