Solicitor for Insurance Law in Tarxien

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 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 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’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’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’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 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.