Solicitor for Insurance Law in Siggiewi

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?

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.

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 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 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 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.