Home Insurance Terms & Conditions

Company Information

Elmo Insurance Ltd is registered in Malta, company registration number C3500, with registered office and head office at Abate Rigord Street, Ta' Xbiex, XBX 1111, Malta. Contact details: +356 2343 0000. Website: www.elmoinsurance.com. Email: info@elmoinsurance.com.

Elmo Insurance Ltd is authorised to carry on general business of insurance in Malta in terms of the Insurance Business Act (Chapter 403 of the Laws of Malta) and is regulated by the Malta Financial Services Authority. This website is targeted to residents in Malta and for risks situated in Malta.


Your right to cancel

If you are not entirely satisfied with the protection provided, you have a right to cancel the insurance policy you have purchased within 14 days of the date of issue or receipt of the terms and conditions, whichever is the later provided you would not have lodged a claim under the policy. We will refund you the policy premium you have paid but not the government stamp duty. Notification in writing together with the original certificate of insurance must be mailed to: Elmo Insurance Ltd, Abate Rigord Street, Ta' Xbiex, XBX 1111, Malta.

If you do not exercise your right to cancel within the 14 day period, you may still cancel the policy at any time by writing to us.  You may be entitled to a refund on short-period basis of your premium provided that no claim had been lodged during the current period of insurance.


Our right to cancel

We may cancel the policy by giving you seven days notice by means of a recorded delivery letter at the address shown in the latest schedule.  If we cancel the policy, you may be entitled to a refund for any period of insurance which you have not used.


Choice of law & jurisdiction

These terms and conditions shall be governed by Maltese Law. By accessing the site, you have accepted Maltese Law as the law governing the use of the site.

The Courts of Malta shall have exclusive jurisdiction over all claims or disputes arising out of, or in relation to, or in connection with the site and these terms and conditions.

Policy documents detail the law applicable to each contract of insurance.



The language we do business in is English.  Hence the contents of this website, the terms and conditions of the insurance policy and any communication from us will be in English language.


Complaints procedure

We are committed to provide you with the highest level of service.  However if you are not satisfied with our services, please refer the matter to our Complaints Officer at: Elmo Insurance Limited, Abate Rigord Street, Ta' Xbiex, XBX 1111, Malta Tel: +356 2343 0000, Email: complaints@elmoinsurance.com

Your complaint will be acknowledged by our Complaints Officer and a response will be sent to you within a maximum time period of fifteen working days. In the event that your complaint remains unresolved, you may also write to the Office of the Arbiter for Financial Services at First Floor, St Calcedonius Street, Floriana, FRN 5130, Malta.  Freephone: 80072366.  Telephone: 21249245.  You can also download a complaint form from: www.financialarbiter.org.mt.  You may also seek assistance from the Malta Insurance Association with whom this company is affiliated.


Procedure for the submission of claims

If loss, damage or liability occurs which may result in a claim under this policy, you must inform us in writing within 30 days from the date of loss, damage or liability or when the loss, damage or liability becomes known to you.  You must also send us immediately any writ, summons, legal document or prosecution instituted against you.  You or any member of your household must not negotiate, admit or deny liability without our written permission.  You must inform the police about all incidents related to accidental loss, theft, attempted theft, malicious damage or vandalism.

We shall be entitled to enter any building where a loss or damage has occurred and deal with any salvage in a reasonable manner.