Solicitor for Insurance Law in Valletta

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 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 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 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?

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?

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 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.