UAE weather: Temperature soars to near record level



DUBAI // Temperatures soared to more than 50°C this week - and forecasters predict there will be no respite from the heat.

The highest temperature recorded in the UAE was 52.1°C in July 2002, but on Wednesday the mercury hit 51.2°C.

The high was recorded at Ruwais at midday, although average temperatures in coastal areas ranged from 33°C to 37°C, according to the National Centre for Meteorology and Seismology.

"This is something which normally happens around this time of the year," said a forecaster.

"We would advise those who are fasting to not stay outside for great periods of time, and if they do have to, ensure they finish work early."

The temperature is expected to dip slightly on Monday, although there will not be a noticeable difference.

"The coastal areas probably will not feel it," the forecaster said. "The heat index may even increase because humidity will be higher."

The high of 51.2°C was only noted for 15 minutes. The ground temperature this week may have been higher still.

"It could be a lot higher, even up to 70°C," the forecaster said. "It depends on the surface and how well it conducts heat.

"Usually during July, the air temperature reaches its maximum. In August, the temperature goes down at bit, but the heat index is more than July because the humidity increases."

Essentials

The flights
Etihad and Emirates fly direct from the UAE to Delhi from about Dh950 return including taxes.
The hotels
Double rooms at Tijara Fort-Palace cost from 6,670 rupees (Dh377), including breakfast.
Doubles at Fort Bishangarh cost from 29,030 rupees (Dh1,641), including breakfast. Doubles at Narendra Bhawan cost from 15,360 rupees (Dh869). Doubles at Chanoud Garh cost from 19,840 rupees (Dh1,122), full board. Doubles at Fort Begu cost from 10,000 rupees (Dh565), including breakfast.
The tours 
Amar Grover travelled with Wild Frontiers. A tailor-made, nine-day itinerary via New Delhi, with one night in Tijara and two nights in each of the remaining properties, including car/driver, costs from £1,445 (Dh6,968) per person.

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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