Solicitor for Insurance Law in Zebbug

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 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?

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 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’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’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’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 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?