Bonnici Insurance Agency

Bonnici Insurance Agency has been placing insurance for people and businesses in Malta since 1987, from its office on The Strand, the seafront road in Gżira that links Sliema with Msida. It began as a family concern, built on the experience of its late chairman, Mr George Bonnici, whose career in the local insurance market spanned well over half a century, and its priorities remain customer care, confidentiality and prompt claims settlement.

For anyone moving to Malta, buying a property or keeping a boat here, a local agent is a practical first contact. You can see other firms in our directory of insurance companies in Malta, and if you are still planning the move, our guide to relocating to Malta covers the wider picture.

Who the agency is and how it is regulated

Bonnici Insurance Agency Ltd is enrolled under the Insurance Distribution Act, Chapter 487 of the Laws of Malta, as an insurance agent for Mapfre Malta p.l.c. Mapfre Malta is authorised by the Malta Financial Services Authority to carry on both long-term and general insurance business. Both companies are regulated by the MFSA. In practice, the policies are manufactured and underwritten by Mapfre Malta, and the agency distributes them and looks after clients.

The agency's quotation questions are written for people who live on the Maltese Islands or own a property or vessel here, so its products are aimed at residents, local owners and Malta-registered businesses rather than short-stay visitors. For background on how the local sector fits together, see our overview of financial services in Malta.

Personal insurance: motor, home, boat, travel and health

Personal lines include motor car insurance with third party only, third party fire and theft, or comprehensive cover, plus home insurance, commercial home insurance for rental investment properties, boat insurance, travel insurance, health insurance and personal accident cover. Group life insurance is also on the list.

Several policies come with round-the-clock help. Eligible motor policies include roadside assistance and breakdown service across Europe for vehicles up to 3,500kg, covering things such as battery boosts, flat tyres, towing and a limited fuel delivery and locksmith service. Home policies include a 24/7 emergency repair service for events such as burst pipes, power failure, lost keys or broken glazing, covering the callout and up to two hours of labour with a limit of €200 per incident. Travel policies include worldwide assistance from a call centre in Malta.

Malta's mild climate still brings winter storms, and our Malta weather guide explains what to expect by month, which is useful when thinking about home and boat cover.

Business insurance for Malta companies

The business range covers professional indemnity, contractors all risks, marine cargo, hoteliers combined, employers liability, public liability, electronic equipment, theft, fire, money and group personal accident insurance. Business interruption cover for loss of income after damage to insured property is also quoted, as are SME packages and commercial vehicle cover.

Companies setting up in Malta often arrange insurance alongside incorporation, tax and accounting. Our pages on Malta corporate tax structure and Malta tax for UK nationals explain those areas, and CLA Malta is our featured partner for company, tax and relocation services. Insurance details are always set by the policy, so ask the agency for the exact terms.

Getting a quote and making a claim

The agency's website has online quotation forms for each product, with a short set of eligibility questions before the quote begins. Claims are lodged by obtaining a claim form from the agency, which can also be downloaded, and keeping the policy and supporting documents to hand. A plain-English FAQ covers basic terms such as premium, proposal form, certificate of insurance and exclusions, which helps newcomers who are used to UK wording.

Gżira is a short walk or bus ride from Sliema and not far from the capital, so our Valletta guide and where to stay in Malta pages help if you are visiting to arrange cover in person. You can also look at hotels around Sliema and Gżira.

To ask about a policy, use the VisitMalta.co.uk enquiry form on this page and we will pass your message to the agency.