I have a similar experience with Oman Insurance. I get better premiums compare to other provider. I tried to get quote from RSA for my prado too. OIC was around 600 cheaper. I get better deals with OIC may be because im with them since 2013. Taxi bumped into my corolla from rear. Claim was handled very professionally. Cancelled my 1st car policy(UAE) in 2016, refund was processed in 3 working days. It was the same when i cancelled my corolla policy in March this year. Refund amount was in my account on the 3rd day of the request.