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Motor insurance claim letter (Malta)

Malta · in English · for consumers

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19 questions · about 8 min

Made for use in Malta

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For a driver or vehicle owner in Malta claiming for damage after a road accident, either from the insurer of the vehicle that caused it or under their own policy: a letter setting out the accident, the vehicles, the damage and the amount, with the evidence, and asking for a reasoned offer or reply within the three months that Cap. 104 sets for third-party claims. Send it by registered letter with a copy by email, and keep the post office receipt.

  • Last updated November 3, 2026
  • Document in English
Malta
Vehicles
English
Complaint & Appeal
Print & sign
1 page

Published byDocMuse

When to use this document

  • Another driver hit your parked car in Malta and admitted fault but the claim is going nowhere.
  • You were rear-ended at a roundabout in Malta and want the other insurer to pay for the repairs.
  • Your own insurer in Malta is slow to settle your accident claim and keeps asking for papers.
  • You want your accident claim in Malta set out in writing with the photos and the repair estimate.

What you fill in

The details the document asks for.

  • Sender
  • Sender's address
  • City
  • Sender's postcode
  • Date
  • Insurer
  • Insurer's address
  • Policy number
  • Insured
  • Claim number
  • Whose insurance you are claiming from
  • Date of the incident
  • Where the accident happened (street and locality)
  • Registration number
  • Registration number of the other vehicle
  • What happened, in a few sentences
  • Description of the damage
  • Amount claimed
  • Other notes

Common questions

Can I claim in Malta directly from the other driver's insurer after an accident?
Yes. Article 9A(1) of the Motor Vehicles Insurance (Third-Party Risks) Ordinance (Cap. 104) gives an injured party resident in Malta or another member state a direct right of action against the authorised insurer of the vehicle that caused an accident in Malta or a member state. Write to that insurer, quoting the policy number from the other driver's insurance certificate or the accident statement.
How long does an insurer in Malta have to answer a third-party motor claim?
Three months from receiving the claim. If liability is not disputed and the damage is quantified, it must make a reasoned offer of compensation; if liability is denied or unclear, or the damage is not fully quantified, it must give a reasoned reply to the points in the claim (article 9B(6) of Cap. 104). A late offer carries interest (article 9B(7)).
What can I do in Malta if the insurer rejects or ignores my claim?
If it is your own insurer, complain in writing through its complaints procedure within two years of first knowing of the matter, and then, if its answer does not settle it, to the Arbiter for Financial Services, which charges a small filing fee. Against the other driver's insurer, a claim of up to €5,000 can go to the Small Claims Tribunal; larger claims go before the courts. Keep the post office receipt for this letter.

How you can sign this document

  • Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
  • Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked

DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.

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