Thanks, Unfortunately, I bought my policy from Nexus... that was 2007.
I did few days back contacted Isle of Man Financial Services Authority (IOMFSA) and posted a complaint but just replied to me today stating that this is out of their jurisdiction as the policy was sold in UAE and not Isle of Man and it is before 2010 and their financial jurisdiction goes back to 2010. they have referred me to Dubai Financial Services Authority to complaint to.
It seems that Zurich using regulation gap to make sure that their sales practice are not actually subject to legal rules... I will try to write to DFSA and see.