Jobby - firstly you should think about that name that you are using - it has a very bad meaning in English.

On the question of insurance payout - yes this seems to be standard practice in the insurance industry of Qatar. Perhaps that is the reason why so many people opt for third party cover only and there are so many junk cars on the road. Why insure comprehensive if the insurance is going to turn your car into pirate-parts junk after an accident.

Save money - buy third party insurance after a few years.