Solicitor for Insurance Law in Marsa

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 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 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’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?

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 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 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.