Solicitor for Insurance Law in Gzira

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 a specific type of insurance in Malta and I’m concerned that my age might result in either being denied coverage outright or facing significantly worse terms purely because of it, rather than because of any genuine individual risk factor. Is age-based discrimination in insurance actually allowed under Maltese law?

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.

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 having an ongoing dispute with my insurance provider in Malta and someone mentioned something called the Arbiter for Financial Services as an option, rather than going straight to court. I don’t really understand what this actually is or when it would make sense to use it instead of just suing the insurer directly.

I submitted a claim to my car insurance provider in Malta after an accident, and they’ve now rejected it, citing a policy exclusion I don’t fully understand or agree applies to my situation. I feel like I’m just being told ‘no’ without a proper explanation. What are my options for challenging this?

I purchased an insurance policy in Malta based specifically on my broker’s recommendation, but it turns out the policy doesn’t actually cover a type of risk I clearly explained to them was important to me at the time. Now that I need to make a claim related to exactly that risk, I’m being told it’s excluded. Does my broker bear any responsibility for this?

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.