Thomas Smith Insurance Agency

Thomas Smith Insurance Agency Ltd. is a Maltese insurance agency in Luqa that arranges everyday cover for drivers, homeowners, boat owners, travellers and businesses. It is authorised to act as an insurance agent of GasanMamo Insurance Ltd and is regulated by the Malta Financial Services Authority. It forms part of the PB Group of Companies, and it is listed in our directory of insurance in Malta.

Cover for individuals

Motor insurance is the best known line. Customers can insure one family car or several vehicles, and the agency's blog explains the main levels of cover in plain terms: third party, third party fire and theft, and comprehensive. Comprehensive gives the highest protection because it also covers damage to your own vehicle after an accident. The agency adds that typical car policies cost less than €1 per day, and motor policies can be renewed and paid for online.

Home insurance comes in three tiers of protection and suits both a property you live in and one you have bought to rent out. Health insurance is aimed at people who would rather avoid waiting lists, with a wide range of services depending on the plan chosen. Travel insurance protects you from unforeseen events abroad. For UK owners of a Maltese property or visitors planning a trip, our Malta holidays overview and relocation guide cover the wider planning.

Marine and business insurance

Marine insurance is offered for people setting off in their own boat, and the agency has published advice on what to check when buying a second-hand boat. Business insurance covers sole traders, small and medium companies, large corporates, retail outlets, restaurants, offices and hotels, with sections adapted to each.

Other tailor-made policies include professional indemnity for professions from architects to accountants, cover for a whole block of apartments or just its common areas, tool of trade liability for equipment such as forklifts and cranes, marine cargo, personal effects shipped between countries, film, event and exhibition insurance, contract works, and public and employers liability. Readers comparing providers can also look at Atlas Insurance and My365, a branch of Jatco Insurance Brokers.

Service approach

The agency's service promise is to provide non-life insurance cover by representing a reputable insurer, offering a wide range of covers and employing knowledgeable, customer-oriented staff. It aims to give clients security and peace of mind by staying in regular contact and keeping up with developments in the market. In practice, this means you deal with a local team in Luqa who place your policy with the insurer it represents, and who stay involved when you renew, change cover or need to claim.

Claims and complaints

To claim, you contact the agency's claims division with full details, complete a claim form and provide any documents requested. You should report the loss or accident to the relevant authorities straight away, take reasonable steps to protect your property and never accept responsibility before getting approval. A surveyor may be appointed, you are kept informed, and once all documents are in, payment is made within 5 working days.

The complaints procedure acknowledges a complaint on receipt and aims to resolve it within 10 working days, and never beyond 15 working days without an explanation. Customers who remain unhappy can write to the Managing Director or to GasanMamo Insurance, and then to the Office of the Arbiter for Financial Services. Our guide to financial services in Malta gives background on how the sector is regulated.

Visiting and enquiring

The head office is at Polidano Group Buildings, Entrance A, Triq Hal Farrug, Luqa, and visits can be arranged by appointment. If you want a quote or have a question about cover, use the VisitMalta.co.uk enquiry form on this page and we will pass your message to the agency.