Your insurance contract is to be arranged or effected wholly or partly with an unlicensed offshore insurer that is not licensed under the Insurance Act 1998 to conduct insurance business in the Fiji Islands. Such insurers are not subject to the provisions of the Insurance Act and are not supervised by the Reserve Bank of Fiji.

It is a matter for your consideration whether you should obtain further information from the insurance intermediary involved, on such matters as:

1. the name and postal address of the insurer;
2. country of incorporation of the insurer and whether that country has a scheme of financial supervision of insurers;
3. paid up capital of the insurer and its financial position; and
4. which country's laws will determine disputes under the contract.