Solicitor for Insurance Law in Valletta

I recently had a significant flight delay on my way to Malta, several hours, though the flight wasn’t technically cancelled outright. I incurred some extra costs as a result, meals, an unexpected taxi, that sort of thing. Can I actually claim these costs through my travel insurance policy given the flight was delayed rather than cancelled?

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.

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.

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 renting a property in Malta and I’d like to take out insurance covering my personal belongings inside it, though I obviously don’t own the building itself. Is it actually possible for me to get insurance in this situation, given I’m not the property owner?

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 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 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?