Solicitor for Insurance Law in Paola

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 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 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 hold an insurance policy with a company licensed in Malta, and I’ve recently seen some concerning news suggesting the company might be facing serious financial difficulties. I’m worried about what would actually happen to my coverage, and any potential claim, if my insurer became insolvent.

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’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’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?