Solicitor for Insurance Law in B’Kara

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.

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’m renting a property in Malta and I’d like to take out insurance covering my personal belongings inside it, though I obviously don’t own the building itself. Is it actually possible for me to get insurance in this situation, given I’m not the property owner?

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 looking to buy insurance in Malta and I keep coming across both ‘insurance agents’ and ‘insurance brokers’ as different types of intermediaries. I don’t fully understand the practical difference between them, or whether one is generally a better option than the other for someone in my position.

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 applying for new home insurance in Malta, and I had a claim on a previous policy, unrelated to my current property, a few years ago. I’m not sure whether this is something I’m actually required to mention on my new application, or whether it’s only relevant if it relates to the specific property being insured now.

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?