Solicitor for Insurance Law in Attard

I’m buying a car in Malta and I want to understand what level of insurance coverage is actually legally required, as opposed to what’s simply recommended or optional. Is basic third-party coverage genuinely mandatory, or can I legally drive with less than that?

I’m reviewing my home insurance policy in Malta and I want to properly understand whether flooding or general water damage, for example from a burst pipe or heavy rain, is actually covered, or whether this is something that requires separate additional coverage beyond a standard policy.

I’m about to buy travel insurance for an upcoming trip through a Malta-based provider, and I specifically want to understand whether typical policies here actually cover cancellation if I become ill before departure and can’t travel, or whether this is something that requires special additional coverage.

I’m launching a new startup in Malta and I approached an insurer for business liability coverage, but I was declined without much explanation, and I suspect it’s simply because the business is new with no trading history yet. Is it actually legal for an insurer to refuse coverage purely on this basis?

I’m applying for private health insurance in Malta, and I have a pre-existing medical condition that I’m required to disclose on the application. I’m worried the insurer will either refuse coverage entirely or specifically exclude anything related to that condition. Is this something insurers are actually allowed to do?

My car in Malta was recently in an accident and the insurer has assessed it as a total loss, but I feel the payout figure they’ve offered is significantly lower than what I believe the car was actually worth. How is this kind of payout supposed to be calculated, and do I have any way to challenge their figure?

I’ve submitted what I believe is a clearly valid claim to my insurer in Malta, with all the required documentation provided, but it’s been going on for months now with the insurer repeatedly asking for more information without ever actually confirming or paying anything. Is there a legal timeframe within which they’re supposed to actually process and pay a claim?

I’m unhappy with my current car insurance provider in Malta and I’ve found a better deal elsewhere, but I’m partway through my current annual policy term. Can I actually switch to a new provider now, or would I face significant penalties for cancelling before the policy naturally expires?