Malta: Insurance Laws and Products

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Insurance law and insurance regulation thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as reinsurance, insurance law and insurance products.

Insight Newsletter - Issue 2 | 2026

FinanceMalta's 2025 Annual Report reveals the financial services sector's significant contribution of 7.2% to Malta's gross value added, while the organization pivots toward a more specialized, higher-value growth strategy focused on strategic niches. With over 2,400 authorized financial services entities and 330 member firms, the island nation is positioning itself as a seasoned ecosystem for targeted financial services markets amid evolving international regulations and geopolitical developments.

FM

Finance Malta

Episode 134: Embedded Finance: A Shift From Traditional Banking Or A Positive Evolution? (Podcast)

FinanceMalta speaks with Alex Konewko of Finductive to explore the emerging world of embedded finance and its implications for the financial services industry. Is embedded finance disrupting traditional banking models, or does it represent a natural evolution that benefits all stakeholders? This conversation examines how this transformation is reshaping the relationship between customers, businesses, and financial institutions.

FM

Finance Malta

Malta Launches Voluntary Safety Certification Scheme For Pleasure Yachts Under 24m

Transport Malta has launched a voluntary safety certification scheme for pleasure yachts under 24 metres, establishing comprehensive guidelines covering vessel safety, operational standards, and pollution prevention.

Malta Transport

FF

FFF Legal

Malta’s Captive Insurance Sector Sees 200% Growth As It Prepares For Next Regulatory Phase

Ten years after the introduction of Solvency II, Malta’s captive insurance market has evolved into a robust and credible European domicile, blending regulatory rigor with operational agility.

Malta Insurance

FM

Finance Malta

A European Approach To Natural Catastrophe Risk Management

Malta Insurance

GA

Ganado Advocates

Court Of Appeal Upholds Insurers’ Freedom To Select Their Risks

Malta Insurance

MT

Mamo TCV Advocates

SNCUs: A Solution To Enhance Proportionality

Malta Insurance

GA

Ganado Advocates

Acquiring A Financial Licence In Malta

PS

Papilio Services Limited

The Solvency II Review: An Evolution, Not A Revolution

Malta Insolvency

GA

Ganado Advocates

IRRD: From Concept To Execution

GA

Ganado Advocates

Regulatory Compliance Quarterly Update | Q4 2025

Malta Compliance

MT

Mamo TCV Advocates

GAPEE For Malta's RSPVs: A Practical Alternative To IFRS 17

Malta Insurance

GA

Ganado Advocates

A Market Driven By Stability And Innovation

GA

Ganado Advocates

10.7 – André Zerafa Meets Catherine Calleja (Podcast)

Malta Insurance

GA

Ganado Advocates

Malta’s Direct And Indirect Tax Framework: 2026 Updates

PS

Papilio Services Limited

In Session: Property Law Revision – Dr. Phyllis Aquilina X GħSL (Podcast)

Malta Law Performance

GA

Ganado Advocates

Success Stories At CSB Group | Nicole's Journey (Video)

Malta Law Performance

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CSB Group

When Does A Data Subject Access Request Become Excessive?

GA

Ganado Advocates

Malta Implements The Pay Transparency Directive: What Employers Need To Know

Malta Employment

GA

GVZH Advocates

Court Of Appeal Orders Insurance Companies To Pay The Total Sum Insured For Stolen Vehicle

On the 17th July 2024, the Court of Appeal (inferior jurisdiction) in the case ‘Michael Scicluna v. Middlesea Insurance plc and Laferla Insurance Agency Limited', dismissed the defendant's appeal and thus confirmed the decision of the Court of Magistrates.

Malta Insurance

FF

FFF Legal

BDO Malta Appoints Chris Scicluna As Group COO And Executive Director

This newly created role supports a deeper focus on business operations and a broader commitment towards BDO's people, clients, and society.

FM

Finance Malta

Burden Of Proof And The International Carriage Of Goods: Insurer Succeeds In Cargo Theft Claim

On 20 May 2025, the First Hall of the Civil Court (the "Court"), delivered its judgement in the case Elmo Insurance Limited vs Jet Freight Limited and Clayton Abela Logistics Limited, touching upon the burden of proof of carriers under the International Carriage of Goods by Road Act (Chapter 486 of the Laws of Malta, the "CMR").

Malta Transport

GA

Ganado Advocates

Maritime Security Onboard Yachts: A Legal Perspective On Private Security And Armed Guards

In recent years, maritime regions traditionally traversed by merchant vessels have witnessed a noticeable increase in luxury yachts venturing into new and uncharted territories. While these areas present unique cruising opportunities...

Malta Transport

GA

Ganado Advocates

Overview Of The Updated Application And Supervisory Fees In Financial Market, Investment Services, Insurance And More!

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MK Fintech Partners

The Motor Insurance Directive And Compensation Funds: Amendments To Maltese Law And European Developments

Malta Insurance

GA

Ganado Advocates

Strengthening Oversight And Innovation In Malta's Insurance Sector: An Overview Of The MFSA 2024 Annual Report

Malta Insurance

GA

Ganado Advocates

Insight Newsletter - Issue 2 | 2025

FM

Finance Malta

IFRS 17 Implementation: MFSA Observations And Expectation

BD

BDO Malta

The Interpretation Of 'Pre-Existing Medical Condition' Clauses In Travel Insurance Policies

Malta Insurance

GA

Ganado Advocates

MFSA Revises Bancassurance Policy In The Light Of ECJ Judgment

Malta Insurance

GA

Ganado Advocates

DORA Case Study: Strengthening Digital Resilience For A Multi-national Insurance Group

Malta Insurance

BD

BDO Malta

The Parties To An Insurance Policy

Malta Insurance

GA

Ganado Advocates

Publication Of The Insurance Recovery And Resolution Directive And Amendments To The Solvency II Directive

Malta Insurance

GA

Ganado Advocates

MFSA Revises Bancassurance Policy In The Light Of ECJ Judgment

On the 16th April 2025, the Malta Financial Services Authority (MFSA) has issued a Circular introducing key regulatory changes affecting bancassurance in response to a 2022 European Court of Justice (ECJ) ruling.

Malta Insurance

GA

Ganado Advocates

DORA Case Study: Strengthening Digital Resilience For A Multi-national Insurance Group

Meeting DORA's operational resilience expectations requires deeper cross-functional collaboration and a reconfiguration of traditional ICT risk management frameworks.

Malta Insurance

BD

BDO Malta

The Parties To An Insurance Policy

On 7 November 2024, the Court of Appeal (Civil, Superior) delivered its final judgment in the case of ‘C.B. v Water Sports Operations Limited et', which related to a water sports accident that occurred in July 2007.

Malta Insurance

GA

Ganado Advocates

Publication Of The Insurance Recovery And Resolution Directive And Amendments To The Solvency II Directive

On the 8th January 2025, the directive establishing a framework for the recovery and resolution of insurance and reinsurance undertakings, better known as the Insurance Recovery...

Malta Insurance

GA

Ganado Advocates

Preparing For DORA: Insights From The ESAs' Dry Run Exercise On Reporting And Data Quality Assurance

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GTG

Legislative Amendments Made To The Insurance PCC Regulations

On 30th August 2024, Legal Notice 201 of 2024, (The Companies Act (Cell Companies Carrying On Business Of Insurance) (Amendment) Regulations, 2024) (the "PCC Amendment Regulations") was published in the Malta Government...

Malta Insurance

GA

Ganado Advocates

Insight Newsletter 3 | 2024

This edition of our newsletter is dedicated to the progress being made on the implementation of the National Financial Services Strategy, which was launched in March 2023.

FM

Finance Malta

The Assessment Of 'Floor' Clauses In Loan Agreements

On 4 July 2024, in the case of Caixabank SA and others v Asociación de Usuarios de Bancos, Cajas de Ahorros y Seguros de España (Adicae) and others (C-450/22), the European Court of Justice (ECJ)...

GA

Ganado Advocates

Notification: Health Insurance For Third Country Nationals

We would like to notify everyone that in line with the Healthcare (Fees) Regulations – Subsidiary Legislation 35.28 of the Laws of Malta, new healthcare requirements...

Malta Healthcare

Sciberras Advocates

Malta's Finance And Insurance Sector: An Analysis

Malta Insurance

PS

Papilio Services Limited

Captives | 2024 Edition

Malta Insurance

FM

Finance Malta

MFSA's Annual Report 2023

FM

Finance Malta

Insight Newsletter 2 | 2024

FM

Finance Malta

FAQ: Nomad Residence Permit

Malta Immigration

AB

Attard Baldacchino

Proportionality Is Vital For A Regulation Of This Nature

Malta Technology

FM

Finance Malta

MFSA Circular And Feedback Statement Re Amendments To PCC Regulations

Malta Insurance

FM

Finance Malta

Insurance And Reinsurance Protected Cells | 2024 Edition

Malta Insurance

FM

Finance Malta

MFSA Circular And Feedback Statement Re Amendments To PCC Regulations

Malta Insurance

GA

Ganado Advocates

Insurance Update: The Nature And Art Of Financial Supervision (Volume IX)

Malta Insurance

FM

Finance Malta

Strengthening Cyber Resilience: ICT Third-Party Risk For Insurers Under DORA

Malta Insurance

FM

Finance Malta

Disclosure Reminders For The First Annual Financial Statements Applying IFRS 17

Malta Accounting

PM

PwC Malta

GRC In Malta: The Role Of Regulatory Governance Codes In Strengthening Governance Structures Of Regulated Entities

Malta Commercial

FM

Finance Malta

Insurance Update: The Nature And Art Of Financial Supervision (Volume IX)

Malta Insurance

GA

Ganado Advocates

Strengthening Cyber Resilience: ICT Third-Party Risk For Insurers Under DORA

Malta Insurance

GA

Ganado Advocates

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Latest Videos

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EU Insurance Passporting: Cyprus Insurance Agents Licensing Faq (Video)

CA

CYAUSE Audit Services Ltd

"Fully Covered": The Impact Of IAF/SEAR On Directors' And Officers' Insurance (Video)

AC

Arthur Cox

Setting Up A Business In Malta: Step By Step Guide (Video)

CG

CSB Group

Corporate Governance For Banks And Insurance Companies (Video)

AM

Arendt & Medernach

TMT Bites – 14th Issue

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Dentons

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