Solicitor for Insurance Law in San Giljan

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 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’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’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 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’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 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?