Solicitor for Insurance Law in Rabat

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 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 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.

My car insurance policy in Malta is coming up for renewal, and the renewal quote I’ve received is significantly higher than what I paid last year, without any accidents, claims, or other obvious changes on my part that I can identify. Is my insurer required to explain a increase like this, or can they simply raise the price however much they choose?

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 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?