How do I make a claim?


Whatever insurance you have it is recommended that you inform your insurance representative of a claim as soon as possible. Depending on the type of insurance, you should report the incident to the police before doing anything else.

Check your policy schedule and make sure you are covered for whatever has happened, and then check if there is a procedure you need to follow. File your claim as soon as possible.

If you are unable to complete a claim form online or call personally at the insurer`s office, you should inform them by phone and lodge a temporary report.  Their number will usually be listed on your policy document, and on the insurer’s website. If you have bought your insurance policy through a broker, first ask for advice and support.

Make sure you explain exactly what happened with clear details and no exaggeration. Document the damage you’re claiming for, as soon as it occurs. Note down any time you talk to your insurer, the name of the person you spoke to and what was said. Keep any emails and copies of letters.

If your claim has been rejected and you want to complain, in the first instance you should take your complaint up with your insurer or insurance intermediary. If, however, you are unable to resolve your dispute satisfactorily you may lodge a complaint with the Office of the Arbiter for Financial Services.

You may contact the Office of the Arbiter for Financial Services on 80072366 or 21249245. Further details about the set-up, including information about the Arbiter’s complaint procedure are accessible from the portal – www.financialarbiter.org.mt.