i guess its al khaleej insurance ..I had the same experience and in fact I went to two of there so called branch office..one at Q Technical service and other at Rayyan police ..and both the rep said to come through the agent as they had run out off papper .. It an evident hand in gloves rip off .. I dont if its the company or certain individual.. Anyhow I was planning to meet there manager to enquire abt it ..