Important Considerations

We are committed to ensuring you have complete clarity regarding your insurance placement. Here we provide a transparent explanation of why part of the quote includes cover issued by a Guernsey-based insurer and what this means for your cover and security. It is designed to address any questions you may have in a clear and reassuring manner.

Fully Regulated Offshore Insurer

ARX Rural Risks (Guernsey) Limited is authorised and regulated by the Guernsey Financial Services Commission (GFSC), which operates under a risk-based solvency regime. This ensures stringent governance, solvency oversight, and conduct standards comparable to those in the UK. Guernsey, as a domicile, holds an "A-" (Excellent) rating from AM Best, reflecting the exceptional strength and stability of its regulatory and financial environment. Many household-name insurers have offices in Guernsey.

Financial Strength & Claims-Paying Ability

To maintain its licence, ARX Rural Risks must demonstrate continual financial solvency to the GFSC, ensuring it holds sufficient capital to meet all potential claim obligations.

Secure Reinsurance Backing

ARX Rural Risks (Guernsey) Limited is supported by a panel of ‘A’-rated UK-registered reinsurers, which assume 80–95% of each risk. This spreads cover across multiple highly capitalised global carriers, significantly enhancing the overall security behind your policy.

FSCS Protection and Eligibility

The Financial Services Compensation Scheme (FSCS) generally applies only where the insurer (or relevant firm) is authorised in the United Kingdom by the PRA and or FCA for the activity in question. As this quotation is placed with a Guernsey-based insurer regulated by the GFSC, FSCS protection does not apply to this policy.

However, even where a policy is placed with a UK-authorised insurer, FSCS eligibility is not guaranteed: FSCS compensation is primarily designed for private individuals and certain categories of smaller organisations, and larger corporate and institutional property owners generally fall outside the eligibility criteria.

Seamless UK-Based Claims Support

Claims are managed end-to-end by your UK broker and ARX Rural, including notification, coordination of loss adjusters, and settlement. You will have direct, professional support throughout the process—without having to navigate an offshore insurer alone.

Independent Dispute Resolution

Should any complaint remain unresolved through the insurer’s process, you have access to the Channel Islands Financial Ombudsman (CIFO), a free and independent arbitration service.