That is what I am trying to say that when you try to renew your insurance ask everything. Other insurance company are discreet about explaining this to their customers. Because there are 2 kinds of full insurance the first one is u will not pay anything even 1 QR and the other one is full insurance but you still have to pay participation, maybe you availed this one. In terms of third party it depends who is the mistake.

As I have said I am working in an insurance company, I can give discount too.