Central Insurance Brokers

Central Insurance Brokers, usually shortened to CIB, is a small team of insurance professionals working from Manor Heights on Birkirkara Hill in St Julian's. A broker sits between you and the insurers: it looks at what you need to protect, approaches suitable insurers, and then stays involved when a policy is amended or a claim arises. For a UK reader who has just bought a flat, hired a boat or set up a business in Malta, that guidance can be easier than comparing providers alone.

CIB is listed on VisitMalta.co.uk in our directory of insurance providers in Malta, where you can also see other brokers and insurers to compare.

Who CIB is and how it is regulated

The firm was established in 2002 and has grown into a name known across the island for a personal approach. Its team brings around 30 years of experience in the Maltese insurance market, including negotiating, handling and managing insurance contracts, both in Malta and abroad. CIB is enrolled in the Brokers List under the Insurance Distribution Act and is regulated by the Malta Financial Services Authority.

Independence is central to the firm's role. It aims to give impartial advice, and when it recommends an insurer it weighs how quickly that insurer responds, how well it pays claims and how willing it is to sort out problems. Beyond placing the policy, the firm reviews policies regularly, deals with amendments and claims, and keeps clients informed about developments in local and overseas insurance markets.

Home insurance explained

Home cover is the product with the fullest detail. Buildings insurance protects the structure of the property and the fixed items in and around it. Contents insurance covers the things you can move, such as furniture and electronics. An all risks extension covers valuable items against accidental damage both inside the home and outside it within an agreed area, which suits jewellery, watches, laptops and cameras. A policy also protects the owner against third party liability.

Typical events that a good policy responds to include fire, explosion, theft and attempted theft, storms and floods, water leaks and malicious damage. If you are buying a property, our UK guide to relocating to Malta covers the wider steps of settling in, and a home policy is one of the first practical items to arrange. CIB offers a free quotation with no obligation.

Other policies CIB arranges

Beyond homes, CIB also arranges commercial, boat, travel, health and motor insurance, and it works with both personal and business clients. Commercial clients range from simple needs to complex ones, and the team handles tasks from the simplest to the most complex. Boat owners, drivers and travellers can ask for cover through the same office rather than approaching several insurers separately.

CIB's mission is to understand each client's circumstances, build lasting relationships based on openness and integrity, and use up to date tools to find cost effective options. Its team also sets store by confidentiality and responsiveness. If you want to compare cover from an insurer directly, Atlas Insurance is another insurance business in our directory.

The St Julian's office

CIB works from Manor Heights on Birkirkara Hill, in the busy commercial centre of St Julian's, an area with good transport links and parking on site. The office opens Monday to Friday from 08:00 to 17:00 and is closed on Saturdays and Sundays, but you can ask for an appointment outside those hours.

Visitors who want to stay nearby can browse our list of hotels in Sliema and St Julian's, and our guide on where to stay in Malta compares the main resorts and towns.

Complaints and getting started

The firm has a written complaints procedure. You speak or write to one of the brokers quoting your policy or claim number, and you should normally receive feedback within 24 hours and no later than two business days. If you are still unhappy, you can write to the chief executive, and beyond that you may take the matter to the Office of the Arbiter for Financial Services. Taking this route does not affect your right to legal action.

To begin, use the VisitMalta.co.uk enquiry form on this page, tell us what you want to insure, and we will pass your message to CIB.