Do I need to disclose a previous insurance claim on a new policy?

Insurance applications generally require you to answer disclosure questions honestly and completely, and Maltese insurance law, connected to principles under the Insurance Business Act, Chapter 403 of the Laws of Malta, and the Insurance Distribution Act, Chapter 487 of the Laws of Malta, generally reflects the broader principle that an applicant must disclose all material facts relevant to the insurer's risk assessment, which typically does include previous claims history, even where the prior claim related to a different property, since claims history is generally considered relevant to how an insurer assesses your overall risk profile as a policyholder, not narrowly limited to claims on the exact same property being newly insured. Rather than trying to independently judge whether your previous claim is relevant enough to mention, the safer approach is to carefully read the specific disclosure questions on your application form, since these will typically make clear exactly what claims history you're being asked to provide, and if in doubt about whether something needs to be disclosed, err on the side of including it rather than omitting it, given the serious consequences of a claim later being invalidated for non-disclosure. If you're genuinely uncertain about what needs to be disclosed, asking your insurance broker or the insurer directly for clarification before submitting the application is a sensible precaution.