Hours of operation over Christmas and New Year Period 2026/27
Guernsey office opening hours (GMT time)
| Wednesday, 23 December | 09:00 – 17:00 |
| Thursday, 24 December | 09:00 – 13:00 |
| Friday, 25 December | Closed |
| Monday, 28 December | Closed |
| Tuesday, 29 December | 09:00 – 17:00 |
| Wednesday, 30 December | 09:00 – 17:00 |
| Thursday, 31 December | 09:00 – 13:00 |
| Friday, 1 January | Closed |
| Monday, 4 January | Offices re-open and usual business hours apply henceforth |
Singapore and Hong Kong office opening hours (HKT time)
| Wednesday, 23 December | 09:00 – 17:30 |
| Thursday, 24 December | 09:00 – 13:00 |
| Friday, 25 December | Closed |
| Monday, 28 December | Closed |
| Tuesday, 29 December | 09:00 – 17:30 |
| Wednesday, 30 December | 09:00 – 17:30 |
| Thursday, 31 December | 09:00 – 13:00 |
| Friday, 1 January | Closed |
| Monday, 4 January | Offices re-open and usual business hours apply henceforth |
We will certainly endeavour to process any requests received after these dates prior to 31 December; however, we cannot guarantee completion within this timeframe, in particular where the transaction is subject to a third parties’ action outside of our control.
New Business and Single Premium Top-ups
New business and top up premiums completed by 17:00 (GMT) Thursday, 17 December will be included in the following weeks’ commission run.
Claim Requests – Partial and Full Surrender
Final cut-off times of receipt to the Guernsey office will be at 09:00 (GMT) Thursday, 24 December and will recommence at 09:00 (GMT) Tuesday, 29 December.
Final cut-off times for receipt of requests will be 09:00 (GMT) Thursday, 31 December and will recommence at 08:00 (GMT) Monday, 4 January 2027.
We reserve the right to delay payment where settlement of any required sale is not received or where dealing criteria such as market value adjusters, weekly or monthly dealing timings or notice periods apply.
Switch requests – Unit Linked
Final cut-off times of receipt to the Guernsey office will be at 09:00 (GMT) Thursday, 24 December and will recommence at 09:00 (GMT) Tuesday, 29 December.
Final cut-off times for receipt of requests will be 09:00 (GMT) Thursday, 31 December and will recommence at 08:00 (GMT) Monday, 4 January 2027.
Commission payments – Unit Linked and Portfolio Bond
Last commission run before Christmas will be Monday, 21 December.
The next commission run will take place on Monday, 4 January 2027.
Credit Card Collections – Unit Linked Policies
Credit card collections for all products will continue throughout Christmas and the New Year.
Giro Collections – FOCUS Singapore only
Giro collections for FOCUS Singapore will continue throughout Christmas and the New Year.
Dealing and Surrenders – Portfolio Bond
Portfolio Bond Dealing Desk cut-off times before the festive period:
| Asian Equities/Bonds | 15:30 (GMT) Friday, 18 December |
| European/US Equities/Bonds | 15:30 (GMT) Tuesday, 22 December |
| Unit Trusts | 10:30 (GMT) Thursday, 24 December |
Re-Registration – 10:30 (GMT) Monday, 21 December
Although we will endeavour to execute trades after cut-off it will not be guaranteed and therefore it is possible that they will not be executed until we re-open on Wednesday, 30 December. We also need to ensure that market settlement can be supported during the holidays.
Between Christmas and New Year that Utmost Irish offices are open, the PB Dealing Desk cut-off times will be as follows:
| Tuesday, 29 December | Wednesday, 30 December | Thursday, 31 December | |
| Unit Trusts | Closed | 10:30 (GMT) | 10:30 (GMT) |
| Asian/European Equities/Bonds | Closed | 14:30 (GMT) | 10:30 (GMT) |
| US Equities/Bonds | Closed | 14:30 (GMT) | N/A |
Finally, we would like to take this opportunity to thank you for your support in 2026 and wish you all a Happy Christmas and prosperous New Year.