Dr Tirej Brimo fled Syria in 2012 and arrived in Britain as a refugee in 2013. He is an emergency doctor in Cambridge and recently returned from seven weeks vlunteering with a medical team in Lviv, Ukraine. Photo: NHS Cambridge University Hospitals
Dr Tirej Brimo fled Syria in 2012 and arrived in Britain as a refugee in 2013. He is an emergency doctor in Cambridge and recently returned from seven weeks vlunteering with a medical team in Lviv, Ukraine. Photo: NHS Cambridge University Hospitals
Dr Tirej Brimo fled Syria in 2012 and arrived in Britain as a refugee in 2013. He is an emergency doctor in Cambridge and recently returned from seven weeks vlunteering with a medical team in Lviv, Ukraine. Photo: NHS Cambridge University Hospitals
Dr Tirej Brimo fled Syria in 2012 and arrived in Britain as a refugee in 2013. He is an emergency doctor in Cambridge and recently returned from seven weeks vlunteering with a medical team in Lviv, Uk

After fleeing war in Syria, UK-based doctor volunteers in Ukraine


Layla Maghribi
  • English
  • Arabic

An emergency doctor in the UK who fled the war in Syria a decade ago spent his holiday time volunteering to help treat those fleeing the war in Ukraine.

Tirej Brimo, a Kurd, was in the final year of medical school at Aleppo University in northern Syria when he made his escape.

A year later part of the university was destroyed by shelling.

After going to neighbouring Lebanon, Dr Brimo crisscrossed the Middle East before finally arriving in Britain in 2013 as a refugee.

He graduated from St George’s Medical School at the University of London in 2017 and is now an emergency doctor at Addenbrooke’s Hospital in Cambridge.

Following Russia’s invasion of Ukraine, Dr Brimo decided to use his annual leave to volunteer with a medical team in Ukraine.

He spent seven weeks in April and May working firstly at two border crossings between Ukraine and Poland before moving to Lviv city in Western Ukraine, where he helped to establish a medical clinic near the main train station.

In his first week on the ground, Dr Brimo saw 339 patients for a range of treatments but said that “burdened faces and tearful eyes” were what he saw on most people.

“It only took a few seconds into the consultation for these emotions to come out. They had been through a lot, they had seen a lot. Some of them lost their loved ones, some of them left everything behind, and some of them were so in shock that they were not aware what was happening around them,” said Dr Brimo, who has since returned to work at the University of Cambridge hospital.

Dr Tirej Brimo graduated from the University of London in 2017 and is now an emergency doctor at Addenbrooke’s Hospital, part of the Cambridge University Hospitals. Photo: NHS Cambridge University Hospitals
Dr Tirej Brimo graduated from the University of London in 2017 and is now an emergency doctor at Addenbrooke’s Hospital, part of the Cambridge University Hospitals. Photo: NHS Cambridge University Hospitals

“It was really difficult when people came into the train station to collect relatives who had died in the conflict – a father, a sister. As a doctor, this is where I felt most helpless.”

According to the figures provided by the United Nations on 27 May, a total of 4,031 civilians have been killed and 4,735 injured in Ukraine since the war started on February 24. The actual figures are believed to be much higher.

When he first arrived to Lviv, Dr Brimo found it surprising that air raid sirens didn’t illicit reactions from people anymore.

“They walked in the streets as if these sirens didn’t exist. It is only when you looked in detail the impact of war could be observed - overcrowded streets, schools full of refugees and ambulances working day and night.”

Every day, hundreds of people fleeing escalating violence in the eastern front arrived at Lviv’s train station where Dr Brimo’s team dealt with everything from minor ailments to wounds and emergencies.

Seeing the trains full of refugees who “just want to leave everything behind” was a stark reminder of what he too had to abandon during the war in Syria.

The western Ukrainian city of Lviv in Ukraine has become a central rallying point for people fleeing the intense violence on the eastern front but it has also been subjected to heavy shelling in recent weeks. EPA
The western Ukrainian city of Lviv in Ukraine has become a central rallying point for people fleeing the intense violence on the eastern front but it has also been subjected to heavy shelling in recent weeks. EPA

“Sadly, the atrocities of war are similar. The horror in peoples' faces, back packs that have been filled in a rush, and children who have lost their spark, are some of the images that stay with me. War is like a nightmare you can't wake up from, while praying for a miracle that just doesn't happen,” said Dr Brimo.

Eleven years of war in Syria killed at least 350,209 people according to UN figures in 2021, although an unofficial UK-based monitoring group put the death toll at over 600,000.

Having “ran away” from Syria, the emergency doctor, who has volunteered in the Greek Islands’ refugee camps many times, said he wanted to choose “a different destiny” in Ukraine by “standing up for what I believe in.”

“As a doctor in the humanitarian world, our fight is different. We look after those wounded by all kinds of trauma, those who have been forgotten about, those who feel rejected by life and its atrocities,” said Dr Brimo.

A group from Addenbrooke’s Hospital and the University of Cambridge has developed video tutorials for colleagues in Ukraine to help them manage trauma cases during the conflict.

They are being hosted on a new open access clinical guidance web site, which is a collaboration between the Royal College of Paediatrics and Child Health, Cambridge Global Health Partnerships and the Royal College of Emergency Medicine.

Ukraine latest

  • Rescuers carry the body of civilian from a residential building damaged by shelling in Kharkiv, Ukraine. Reuters
    Rescuers carry the body of civilian from a residential building damaged by shelling in Kharkiv, Ukraine. Reuters
  • Kharkiv, Ukraine's second city, is feeling the strain after coming under heavy Russian bombardment. Reuters
    Kharkiv, Ukraine's second city, is feeling the strain after coming under heavy Russian bombardment. Reuters
  • Ukrainian troops help an elderly man out of a damaged apartment building after an air strike in the city of Slovyansk in Donbas region. AFP
    Ukrainian troops help an elderly man out of a damaged apartment building after an air strike in the city of Slovyansk in Donbas region. AFP
  • A school bus carrying Ukrainian refugees leaves Kharkiv. EPA
    A school bus carrying Ukrainian refugees leaves Kharkiv. EPA
  • The pain of war hits this woman hard shortly after her apartment building in Slovyansk was damaged by Russian shelling. AFP
    The pain of war hits this woman hard shortly after her apartment building in Slovyansk was damaged by Russian shelling. AFP
  • A crater scars the road surface in Slovyansk, Donbas. AFP
    A crater scars the road surface in Slovyansk, Donbas. AFP
  • A Russian soldier oversees the loading of steel on to a Russian ship at Mariupol port in Ukraine. AP
    A Russian soldier oversees the loading of steel on to a Russian ship at Mariupol port in Ukraine. AP
  • European Council President Charles Michel, right, and Estonian Prime Minister Kaja Kallas, left, talk before the second day's session of an extraordinary meeting of EU leaders to discuss Ukraine, energy and food security, in Brussels. AP
    European Council President Charles Michel, right, and Estonian Prime Minister Kaja Kallas, left, talk before the second day's session of an extraordinary meeting of EU leaders to discuss Ukraine, energy and food security, in Brussels. AP
  • Rescuers extinguish a fire at a meat factory, amid fighting in Mykolaiv, Ukraine. Reuters
    Rescuers extinguish a fire at a meat factory, amid fighting in Mykolaiv, Ukraine. Reuters
  • A man waits to collect water in Mariupol. AFP
    A man waits to collect water in Mariupol. AFP
  • Ukrainians cross a makeshift bridge built next to a destroyed structure, in the Kharkiv region. EPA
    Ukrainians cross a makeshift bridge built next to a destroyed structure, in the Kharkiv region. EPA
  • A destroyed tank in Mariupol. AFP
    A destroyed tank in Mariupol. AFP
  • People charge electronic devices outside a theatre building, in Mariupol. Reuters
    People charge electronic devices outside a theatre building, in Mariupol. Reuters
  • Pensioner Gennady Ivanov, 83, sits outside a residential building heavily damaged by shelling, in Mariupol. Reuters
    Pensioner Gennady Ivanov, 83, sits outside a residential building heavily damaged by shelling, in Mariupol. Reuters
  • Ukrainian firefighters try to extinguish a fire at a house that was hit by Russian strikes, in Kharkiv. AP
    Ukrainian firefighters try to extinguish a fire at a house that was hit by Russian strikes, in Kharkiv. AP
  • Russian Navy sailors of the Black Sea Fleet prepare to raise a sunken Ukrainian warship at the sea port, in Mariupol. AP
    Russian Navy sailors of the Black Sea Fleet prepare to raise a sunken Ukrainian warship at the sea port, in Mariupol. AP
  • A Ukrainian soldier in the city of Lysytsansk, in the eastern region of Donbas. AFP
    A Ukrainian soldier in the city of Lysytsansk, in the eastern region of Donbas. AFP
  • A boy, Yarik, plays in a playground in front a building destroyed during attacks, in Irpin. AP
    A boy, Yarik, plays in a playground in front a building destroyed during attacks, in Irpin. AP
  • Two Ukrainian soldiers enjoy a tender off-duty moment near the village of Stoyanka, Kyiv region. GettyImages
    Two Ukrainian soldiers enjoy a tender off-duty moment near the village of Stoyanka, Kyiv region. GettyImages
  • A girl in Kyiv looks at Russian weapons used in the attack on Ukraine. Reuters
    A girl in Kyiv looks at Russian weapons used in the attack on Ukraine. Reuters
  • Children play on a destroyed car in a residential area of Mariupol. AFP
    Children play on a destroyed car in a residential area of Mariupol. AFP
  • Demonstrators hold Ukrainian flags at a charity telethon in support of Ukraine, in Berlin. Reuters
    Demonstrators hold Ukrainian flags at a charity telethon in support of Ukraine, in Berlin. Reuters
  • Ukrainian servicemen near Zaytseve village in Donetsk, Ukraine. EPA
    Ukrainian servicemen near Zaytseve village in Donetsk, Ukraine. EPA
  • A shell hole near a destroyed building in Zaytseve village. EPA
    A shell hole near a destroyed building in Zaytseve village. EPA
  • In the Saltivka district of Kharkiv, writing on the vans reads "warning, shelling" and "warning, passing by for civilians is prohibited". AFP
    In the Saltivka district of Kharkiv, writing on the vans reads "warning, shelling" and "warning, passing by for civilians is prohibited". AFP
  • A heavily damaged residential building in the Saltivka district of Kharkiv. AFP
    A heavily damaged residential building in the Saltivka district of Kharkiv. AFP
  • Ukrainian servicemen inspect a Russian amphibious vehicle near Kharkiv, eastern Ukraine. AP
    Ukrainian servicemen inspect a Russian amphibious vehicle near Kharkiv, eastern Ukraine. AP
  • A rocket launcher belonging to a "Donetsk People's Republic" militia is fired from its position not far from Panteleimonivka, eastern Ukraine. AP
    A rocket launcher belonging to a "Donetsk People's Republic" militia is fired from its position not far from Panteleimonivka, eastern Ukraine. AP
  • The damaged building of the economics department of Karazin National University in Kharkiv. AFP
    The damaged building of the economics department of Karazin National University in Kharkiv. AFP
  • Karazin National University in Kharkiv came under heavy Russian bombardment. AFP
    Karazin National University in Kharkiv came under heavy Russian bombardment. AFP
  • Ukrainian troops approach a destroyed military vehicle in the village of Rus'ka Lozova, north of Kharkiv. AFP
    Ukrainian troops approach a destroyed military vehicle in the village of Rus'ka Lozova, north of Kharkiv. AFP
  • A bridge is a destroyed near Rus'ka Lozova, north of Kharkiv. AFP
    A bridge is a destroyed near Rus'ka Lozova, north of Kharkiv. AFP
  • A building after a Russian military strike in the town of Marinka, as Russia's attack on Ukraine continues, in Donetsk region. Reuters
    A building after a Russian military strike in the town of Marinka, as Russia's attack on Ukraine continues, in Donetsk region. Reuters
  • An employee mows the lawn near a destroyed warehouse refrigerator, belonging to the Chanta factory, in Novi Petrivtsi, near Kyiv. AFP
    An employee mows the lawn near a destroyed warehouse refrigerator, belonging to the Chanta factory, in Novi Petrivtsi, near Kyiv. AFP
  • Defiant Ukrainian service members ride on top of a military vehicle, amid Russia's invasion of Ukraine, on the road connecting Kostiantynivka and Bakhmut, in Donetsk region. Reuters
    Defiant Ukrainian service members ride on top of a military vehicle, amid Russia's invasion of Ukraine, on the road connecting Kostiantynivka and Bakhmut, in Donetsk region. Reuters
  • Vladimir Mihailovich, a solar plant manager, surveys a crater after the business in Merefa on the outskirts of Kharkiv was hit by Russian shelling. Reuters
    Vladimir Mihailovich, a solar plant manager, surveys a crater after the business in Merefa on the outskirts of Kharkiv was hit by Russian shelling. Reuters
  • A KA-52 helicopter gunship fires rockets on a mission at an undisclosed location in Ukraine. AP
    A KA-52 helicopter gunship fires rockets on a mission at an undisclosed location in Ukraine. AP
  • Locals walk past a road damaged by shelling in a residential area in Kharkiv. EPA
    Locals walk past a road damaged by shelling in a residential area in Kharkiv. EPA
  • Diana, on the train, waves to her mother Viktoriya and sister Kseniya as she leaves Pokrovsk in eastern Ukraine. AP
    Diana, on the train, waves to her mother Viktoriya and sister Kseniya as she leaves Pokrovsk in eastern Ukraine. AP
  • Yana Skakova and her son Yehor, who fled from Lysychansk, sit in an evacuation train in Pokrovsk, eastern Ukraine. AP
    Yana Skakova and her son Yehor, who fled from Lysychansk, sit in an evacuation train in Pokrovsk, eastern Ukraine. AP
The%20Crown%20season%205
%3Cp%3E%3Cstrong%3EStars%3A%20%3C%2Fstrong%3EImelda%20Staunton%2C%20Jonathan%20Pryce%2C%20Lesley%20Manville%2C%20Jonny%20Lee%20Miller%2C%20Dominic%20West%2C%20Elizabeth%20Debicki%2C%20Salim%20Daw%20and%20Khalid%20Abdalla%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EWritten%20by%3A%20%3C%2Fstrong%3EPeter%20Morgan%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%204%2F5%20stars%3C%2Fp%3E%0A
Women%E2%80%99s%20T20%20World%20Cup%20Qualifier
%3Cp%3E%3Cstrong%3EUAE%20results%3C%2Fstrong%3E%0D%3Cbr%3EIreland%20beat%20UAE%20by%20six%20wickets%0D%3Cbr%3EZimbabwe%20beat%20UAE%20by%20eight%20wickets%0D%3Cbr%3EUAE%20beat%20Netherlands%20by%2010%20wickets%0D%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EFixtures%3C%2Fstrong%3E%0D%3Cbr%3EUAE%20v%20Vanuatu%2C%20Thursday%2C%203pm%2C%20Zayed%20Cricket%20Stadium%0D%3Cbr%3EIreland%20v%20Netherlands%2C%207.30pm%2C%20Zayed%20Cricket%20Stadium%0D%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EGroup%20B%20table%3C%2Fstrong%3E%0D%3Cbr%3E1)%20Ireland%203%203%200%206%20%2B2.407%0D%3Cbr%3E2.%20Netherlands%203%202%201%204%20%2B1.117%0D%3Cbr%3E3)%20UAE%203%201%202%202%200.000%0D%3Cbr%3E4)%20Zimbabwe%204%201%203%202%20-0.844%0D%3Cbr%3E5)%20Vanuatu%203%201%202%202%20-2.180%3C%2Fp%3E%0A
RESULTS

5pm: Maiden (PA) Dh80,000 1,400m, Winner SS Lamea, Saif Al Balushi (jockey), Ibrahim Al Hadhrami (trainer).

5.30pm: Wathba Stallions Cup Handicap (PA) Dh70,000 1,400m, Winner AF Makerah, Sean Kirrane, Ernst Oertel

6pm: Handicap (PA) Dh80,000 1,600m, Winner Maaly Al Reef, Brett Doyle, Abdallah Al Hammadi

6.30pm: Handicap (PA) Dh90,000 1,600m, Winner AF Momtaz, Antonio Fresu, Musabah Al Muhairi

7pm: Handicap (PA) Dh80,000 2,200m, Winner Morjanah Al Reef, Brett Doyle, Abdallah Al Hammadi

7.30pm: Handicap (TB) Dh100,000 2,200m, Winner Mudarrab, Jim Crowley, Erwan Charpy

How does ToTok work?

The calling app is available to download on Google Play and Apple App Store

To successfully install ToTok, users are asked to enter their phone number and then create a nickname.

The app then gives users the option add their existing phone contacts, allowing them to immediately contact people also using the application by video or voice call or via message.

Users can also invite other contacts to download ToTok to allow them to make contact through the app.

 

ETFs explained

Exhchange traded funds are bought and sold like shares, but operate as index-tracking funds, passively following their chosen indices, such as the S&P 500, FTSE 100 and the FTSE All World, plus a vast range of smaller exchanges and commodities, such as gold, silver, copper sugar, coffee and oil.

ETFs have zero upfront fees and annual charges as low as 0.07 per cent a year, which means you get to keep more of your returns, as actively managed funds can charge as much as 1.5 per cent a year.

There are thousands to choose from, with the five biggest providers BlackRock’s iShares range, Vanguard, State Street Global Advisors SPDR ETFs, Deutsche Bank AWM X-trackers and Invesco PowerShares.

UEFA CHAMPIONS LEAGUE FIXTURES

All kick-off times 10.45pm UAE ( 4 GMT) unless stated

Tuesday
Sevilla v Maribor
Spartak Moscow v Liverpool
Manchester City v Shakhtar Donetsk
Napoli v Feyenoord
Besiktas v RB Leipzig
Monaco v Porto
Apoel Nicosia v Tottenham Hotspur
Borussia Dortmund v Real Madrid

Wednesday
Basel v Benfica
CSKA Moscow Manchester United
Paris Saint-Germain v Bayern Munich
Anderlecht v Celtic
Qarabag v Roma (8pm)
Atletico Madrid v Chelsea
Juventus v Olympiakos
Sporting Lisbon v Barcelona

World record transfers

1. Kylian Mbappe - to Real Madrid in 2017/18 - €180 million (Dh770.4m - if a deal goes through)
2. Paul Pogba - to Manchester United in 2016/17 - €105m
3. Gareth Bale - to Real Madrid in 2013/14 - €101m
4. Cristiano Ronaldo - to Real Madrid in 2009/10 - €94m
5. Gonzalo Higuain - to Juventus in 2016/17 - €90m
6. Neymar - to Barcelona in 2013/14 - €88.2m
7. Romelu Lukaku - to Manchester United in 2017/18 - €84.7m
8. Luis Suarez - to Barcelona in 2014/15 - €81.72m
9. Angel di Maria - to Manchester United in 2014/15 - €75m
10. James Rodriguez - to Real Madrid in 2014/15 - €75m

Company%C2%A0profile
%3Cp%3E%3Cstrong%3ECompany%20name%3A%20%3C%2Fstrong%3ETuhoon%0D%3Cbr%3E%3Cstrong%3EYear%20started%3A%20%3C%2Fstrong%3EJune%202021%0D%3Cbr%3E%3Cstrong%3ECo-founders%3A%20%3C%2Fstrong%3EFares%20Ghandour%2C%20Dr%20Naif%20Almutawa%2C%20Aymane%20Sennoussi%0D%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3ERiyadh%0D%3Cbr%3E%3Cstrong%3ESector%3A%20%3C%2Fstrong%3Ehealth%20care%0D%3Cbr%3E%3Cstrong%3ESize%3A%20%3C%2Fstrong%3E15%20employees%2C%20%24250%2C000%20in%20revenue%0D%3Cbr%3EI%3Cstrong%3Envestment%20stage%3A%20s%3C%2Fstrong%3Eeed%0D%3Cbr%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3EWamda%20Capital%2C%20Nuwa%20Capital%2C%20angel%20investors%3C%2Fp%3E%0A
Gully Boy

Director: Zoya Akhtar
Producer: Excel Entertainment & Tiger Baby
Cast: Ranveer Singh, Alia Bhatt, Kalki Koechlin, Siddhant Chaturvedi​​​​​​​
Rating: 4/5 stars

US households add $601bn of debt in 2019

American households borrowed another $601 billion (Dh2.2bn) in 2019, the largest yearly gain since 2007, just before the global financial crisis, according to February data from the New York Federal Reserve Bank.

Fuelled by rising mortgage debt as homebuyers continued to take advantage of low interest rates, the increase last year brought total household debt to a record high, surpassing the previous peak reached in 2008 just before the market crash, according to the report.

Following the 22nd straight quarter of growth, American household debt swelled to $14.15 trillion by the end of 2019, the New York Fed said in its quarterly report.

In the final three months of the year, new home loans jumped to their highest volume since the fourth quarter of 2005, while credit cards and auto loans also added to the increase.

The bad debt load is taking its toll on some households, and the New York Fed warned that more and more credit card borrowers — particularly young people — were falling behind on their payments.

"Younger borrowers, who are disproportionately likely to have credit cards and student loans as their primary form of debt, struggle more than others with on-time repayment," New York Fed researchers said.

Ten tax points to be aware of in 2026

1. Domestic VAT refund amendments: request your refund within five years

If a business does not apply for the refund on time, they lose their credit.

2. E-invoicing in the UAE

Businesses should continue preparing for the implementation of e-invoicing in the UAE, with 2026 a preparation and transition period ahead of phased mandatory adoption. 

3. More tax audits

Tax authorities are increasingly using data already available across multiple filings to identify audit risks. 

4. More beneficial VAT and excise tax penalty regime

Tax disputes are expected to become more frequent and more structured, with clearer administrative objection and appeal processes. The UAE has adopted a new penalty regime for VAT and excise disputes, which now mirrors the penalty regime for corporate tax.

5. Greater emphasis on statutory audit

There is a greater need for the accuracy of financial statements. The International Financial Reporting Standards standards need to be strictly adhered to and, as a result, the quality of the audits will need to increase.

6. Further transfer pricing enforcement

Transfer pricing enforcement, which refers to the practice of establishing prices for internal transactions between related entities, is expected to broaden in scope. The UAE will shortly open the possibility to negotiate advance pricing agreements, or essentially rulings for transfer pricing purposes. 

7. Limited time periods for audits

Recent amendments also introduce a default five-year limitation period for tax audits and assessments, subject to specific statutory exceptions. While the standard audit and assessment period is five years, this may be extended to up to 15 years in cases involving fraud or tax evasion. 

8. Pillar 2 implementation 

Many multinational groups will begin to feel the practical effect of the Domestic Minimum Top-Up Tax (DMTT), the UAE's implementation of the OECD’s global minimum tax under Pillar 2. While the rules apply for financial years starting on or after January 1, 2025, it is 2026 that marks the transition to an operational phase.

9. Reduced compliance obligations for imported goods and services

Businesses that apply the reverse-charge mechanism for VAT purposes in the UAE may benefit from reduced compliance obligations. 

10. Substance and CbC reporting focus

Tax authorities are expected to continue strengthening the enforcement of economic substance and Country-by-Country (CbC) reporting frameworks. In the UAE, these regimes are increasingly being used as risk-assessment tools, providing tax authorities with a comprehensive view of multinational groups’ global footprints and enabling them to assess whether profits are aligned with real economic activity. 

Contributed by Thomas Vanhee and Hend Rashwan, Aurifer

Essentials

The flights
Emirates, Etihad and Malaysia Airlines all fly direct from the UAE to Kuala Lumpur and on to Penang from about Dh2,300 return, including taxes. 
 

Where to stay
In Kuala Lumpur, Element is a recently opened, futuristic hotel high up in a Norman Foster-designed skyscraper. Rooms cost from Dh400 per night, including taxes. Hotel Stripes, also in KL, is a great value design hotel, with an infinity rooftop pool. Rooms cost from Dh310, including taxes. 


In Penang, Ren i Tang is a boutique b&b in what was once an ancient Chinese Medicine Hall in the centre of Little India. Rooms cost from Dh220, including taxes.
23 Love Lane in Penang is a luxury boutique heritage hotel in a converted mansion, with private tropical gardens. Rooms cost from Dh400, including taxes. 
In Langkawi, Temple Tree is a unique architectural villa hotel consisting of antique houses from all across Malaysia. Rooms cost from Dh350, including taxes.

Company profile

Company: Rent Your Wardrobe 

Date started: May 2021 

Founder: Mamta Arora 

Based: Dubai 

Sector: Clothes rental subscription 

Stage: Bootstrapped, self-funded 

Our family matters legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

The specs

Engine: 4.0-litre V8 twin-turbocharged and three electric motors

Power: Combined output 920hp

Torque: 730Nm at 4,000-7,000rpm

Transmission: 8-speed dual-clutch automatic

Fuel consumption: 11.2L/100km

On sale: Now, deliveries expected later in 2025

Price: expected to start at Dh1,432,000

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.

Important questions to consider

1. Where on the plane does my pet travel?

There are different types of travel available for pets:

  • Manifest cargo
  • Excess luggage in the hold
  • Excess luggage in the cabin

Each option is safe. The feasibility of each option is based on the size and breed of your pet, the airline they are traveling on and country they are travelling to.

 

2. What is the difference between my pet traveling as manifest cargo or as excess luggage?

If traveling as manifest cargo, your pet is traveling in the front hold of the plane and can travel with or without you being on the same plane. The cost of your pets travel is based on volumetric weight, in other words, the size of their travel crate.

If traveling as excess luggage, your pet will be in the rear hold of the plane and must be traveling under the ticket of a human passenger. The cost of your pets travel is based on the actual (combined) weight of your pet in their crate.

 

3. What happens when my pet arrives in the country they are traveling to?

As soon as the flight arrives, your pet will be taken from the plane straight to the airport terminal.

If your pet is traveling as excess luggage, they will taken to the oversized luggage area in the arrival hall. Once you clear passport control, you will be able to collect them at the same time as your normal luggage. As you exit the airport via the ‘something to declare’ customs channel you will be asked to present your pets travel paperwork to the customs official and / or the vet on duty. 

If your pet is traveling as manifest cargo, they will be taken to the Animal Reception Centre. There, their documentation will be reviewed by the staff of the ARC to ensure all is in order. At the same time, relevant customs formalities will be completed by staff based at the arriving airport. 

 

4. How long does the travel paperwork and other travel preparations take?

This depends entirely on the location that your pet is traveling to. Your pet relocation compnay will provide you with an accurate timeline of how long the relevant preparations will take and at what point in the process the various steps must be taken.

In some cases they can get your pet ‘travel ready’ in a few days. In others it can be up to six months or more.

 

5. What vaccinations does my pet need to travel?

Regardless of where your pet is traveling, they will need certain vaccinations. The exact vaccinations they need are entirely dependent on the location they are traveling to. The one vaccination that is mandatory for every country your pet may travel to is a rabies vaccination.

Other vaccinations may also be necessary. These will be advised to you as relevant. In every situation, it is essential to keep your vaccinations current and to not miss a due date, even by one day. To do so could severely hinder your pets travel plans.

Source: Pawsome Pets UAE

The specs
Engine: 3.0-litre 6-cyl turbo

Power: 374hp at 5,500-6,500rpm

Torque: 500Nm from 1,900-5,000rpm

Transmission: 8-speed auto

Fuel consumption: 8.5L/100km

Price: from Dh285,000

On sale: from January 2022 

Updated: May 30, 2022, 1:28 PM