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Women's Karhu Women's Smart II Fulcrum Light Grey Light Brand/Hibiscus D200125 Brand New WITHOUT Box 23189de

Item specifics

Condition: New without tags: A brand-new, unused, and unworn item that is not in original retail packaging or may be missing original retail packaging materials (such as the original box or bag). The original tags may not be attached.See all condition definitions- opens in a new window or tab... Read moreabout the condition.Brand-new, unused, and unworn item that is not in original retail packaging or may be missing Karhu
US Shoe Size (Women's): 7 Material: Mesh
Fastening: Lace Up UPC: Does not apply
Colour: Light Grey/Hibiscus Country/Region of Manufacture: China
Women's Karhu Women's Smart II Fulcrum Light Grey Light Brand/Hibiscus D200125 Brand New WITHOUT Box 23189de -
Women's Karhu Women's Smart II Fulcrum Light Grey Light Brand/Hibiscus D200125 Brand New WITHOUT Box 23189de -
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Compare car insurance with Alfred With so many options for car insurance in the UAE, let Alfred's personal shoppers help you compare and save your Dirhams!

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Women's Karhu Women's Smart II Fulcrum Light Grey Light Brand/Hibiscus D200125 Brand New WITHOUT Box 23189de -

What nationality are you? If you hold multiple passports, just choose the country you learned to drive in. 
How many years have you had a UAE driving licence for? 
What year was the car manufactured? (please note, if different, please tell us when the car was first registered) 
Where will your car be registered i.e. which authority will you get your Mulkiya from? This is usually the same Emirate that your visa is from.
How much is your car worth? If you're not sure, do you remember how much it was worth last year?
If you don't know, just put down a '?' and we'll recommend a FREE insurance valuation for your car.  
Would you like to insure your own car as well as people and property outside your vehicle? If so, select Comprehensive. If you would just like to insure your liability i.e. people and property that you may collide into while driving your vehicle, then please select Third Party Only. 
If you are renewing your insurance, please tell us which insurance company your car is currently insured with.This way we can see whether it would be more beneficial to stick with your current insurer. If you are buying a car, please let us know here by saying 'buying'.  
Have you claimed recently? If not, you may be eligible for a discount. Sometimes, you may need to get a certificate from your old insurance company, but not always. If this is your first car in the UAE but you've owned cars before, let us know your claims history anyway. 
If you have a promotional code, put it in here 
We'll email a comparison table, help you choose and email your policy!
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got me! now look at our car insurance promises Best possible value for your money.

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got me! now look at our car insurance promises Your own personal shopper to help you choose.


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Why Alfred?
  • 1. Lightning fast service - your policy will reach your inbox in a working hour or two! Your personal shopper will reply to your emails as soon as they see them. Learn more: How fast can I expect my quotes and my policy?
  • 2. Your dedicated personal shopper will answer as many questions as you may have (try them!). Reach them directly on their mobile phone - anytime! No call centers! Learn more: How can my personal shopper help me?
  • 3. Fast-track claims - it doesn't matter which insurance company you choose, we will make sure that you are professionally represented if you have an accident and that you're back on the road ASAP. That's why you will be given a dedicated claims manager from our office. No hectic call center experiences and no obnoxious claims assessors to deal with! Learn more: How do I claim and whom do I contact?
  • 4. Choice - we will always give you at least 3 recommended options to choose from - we do the shopping around for you so that you don't have to! We work with all the leading UAE insurance companies including AXA, RSA, AIG, Oman, NGI, Tokio Marine, New India and more. But we won't offer you an insurance company that we wouldn't use ourselves! Learn more: What can you expect to receive from us?
  • 5. Our service is FREE - actually that's not true; we've negotiated bulk deals on the back of our huge book of business so we're cheaper than going directly to the insurance company. This also means that we're cheaper than buying your insurance from a bank or car dealership (no, it's never really free if you're buying a brand new car). Learn more: If our service is really FREE, how do we pay our rent?
  • 6. Self-declaration No Claims Discounts - Do you have a history of claims free driving but no proof? No problem, if you can send us an email to confirm we'll give you a no claims discount (subject to underwriter approvals). Learn more: How our self-declaration of no claims works
  • 7. Long experience - we know what we're doing. We have been studying UAE insurance providers since 1995 to bring you the best value for your money - all our insurance companies are tried and tested everyday and hence are 100% reliable. Equally, we won't quote you those who may be good but more expensive. Learn more: How do we choose our panel of insurance companies and products?
  • 8. Everything is online - you don't need to drive anywhere (though we'd love to host you for a coffee and a chat at our office) - we'll email you everything you need! We'll also make sure that your policy is instantly on the online systems of the authorities so that you can register your car right away. Learn more: Why we won't let you complete the whole transaction online?
  • 9. All your insurance under one roof - we will help you to consolidate all your policies in one account. We'll also help you compare and buy home, travel, health, life, yacht and business insurance. The covers may be with different insurance companies but we will be your single contact point. Learn more: What are the benefits of having one insurance broker manage all my insurance?
  • 10. Multiple policy discounts - if you insure more than one thing with us, we'll automatically give you a discount to thank you for your loyalty. Learn more: How do I successfully get a further discount from the car insurance quotes sent to me?
Women's Karhu Women's Smart II Fulcrum Light Grey Light Brand/Hibiscus D200125 Brand New WITHOUT Box 23189de
What are the kind of covers available when it comes to comprehensive car insurance in Dubai?

From 24-hour roadside assistance to coverage for off-road travel, the standard covers and optional benefits offered by the car insurance companies in Dubai vary significantly from insurer to insurer. This is good news for car owners as there is almost always a solution out there for any need or budget.

However, with varying options and benefits, it is often confusing when it comes to finding the best product or insurance provider. This is where your dedicated personal shopper from Alfred抯 Insurance Market will be of great assistance.

You may also rest assured that there would always be the bare minimum covers like third party liability limits and coverage for fire, theft and allied perils as per the Unified Car Insurance policy - the minimum standard across the UAE which is further upgraded as of January 2017.

Other than basic coverage, a comprehensive policy may also include perks like windshield coverage, 24/7 roadside assistance, and even a car rental provided to the policyholder during the repair.

In the case of car loans, most banks in Dubai can only process and approve your loan if you buy a comprehensive coverage at least during the term of the loan.

Although comprehensive car insurance is slightly more expensive when compared to third-party-only (TPL) insurance, it is recommended for residents of the UAE due to the frequency of accidents on the roads.

Your dedicated personal shoppers

We're an insurance comparison website that brings you the best deals, but with dedicated personal shoppers to help you choose the right product.

Andy Cartwright
Arsalan Nawaz Khan
Christabelle Gouria
Dale Mitchell
Dennis Suba
Dolly Regvel
Hitesh Motwani
Ian Georgopoulos
Mark Llanto
Matthew Lactaotao
Mazhar Khan
Mohamed Abobakr
Shiraaz Ahmed
Venisse Guerrero
Vijay N
From your personal shoppers' desks

Enjoy and learn from some exclusive videos produced by Alfred's dedicated personal shoppers who are responsible for helping you choose from up to 10 car insurance companies in Dubai and across the UAE. But that's not it - we also play a huge role in servicing all your requirements once you have insured with us, including taking the complete responsibility of representing you at the time of a claim.

Meet the personal shoppers!

Put a face to the name! Meet your personal shoppers and learn a bit more about them and their passion to serve you!

TPL or fully comprehensive?

Car insurance is mainly of two types - fully comprehensive or third party liability only. Which one is right for you?

Fast track claims service

The most important thing when buying from Alfred is our unbelievable commitment to your claims.

Women's Karhu Women's Smart II Fulcrum Light Grey Light Brand/Hibiscus D200125 Brand New WITHOUT Box 23189de
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Agency repair or not?

No simple answer to this question. But a hugely important topic to get your head around! Read more on our blog post about this.

How to avoid a claim?

We love clients who don't claim and give them discounts at renewal - how do you become one of them?

No Claims Discount

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And you don't always need an official certificate from your existing insurer. Sometimes we can just have you self declare via an email.

Registration process

Once you have bought your car insurance in Dubai or any other Emirate, it's time for you to register your car. Here's how.

Discount? Sure.


Here's an idea: if you own multiple cars or insure multiple things with us (like your health or home), we'll give you a discount!

Making changes to your policy

After buying your insurance, you can usually make changes. Find out what kind of changes can these be.

Important things to consider

What should you bear in mind when looking for the appropriate car insurance product for you?

Why a broker?


We are an insurance broker that provide a service that is predominantly online. Why buy from us?

Who are AFIA?


AFIA is the corporate name that comes up when referring to Learn more.

Women's Karhu Women's Smart II Fulcrum Light Grey Light Brand/Hibiscus D200125 Brand New WITHOUT Box 23189de -

Who is Alfred?


Who on earth is this lively old Englishman after all?

How to find us?


We are located right next to the Al Karama metro station. We’d love to host you in our offices!

Sort out your car insurance claim online from
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