Solicitor for Insurance Law in Hamrun

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 have an ongoing home insurance policy in Malta that I’ve paid for the full year upfront, but I’ve just received notice from the insurer that they’re cancelling my policy partway through the term, citing a change in their underwriting criteria. Can they actually do this without my agreement, and what happens to the portion of my premium I already paid?

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 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’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 work for a company in Malta and I’m wondering whether employers here are actually legally required to carry insurance that would cover me if I were injured while at work, or whether this is something that depends entirely on the individual employer’s own choice and goodwill.

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’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?