iTravel 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 insurance business in terms of the Insurance Business Act (Chapter 403 of the Laws of Malta) and is regulated by the Malta Financial Services Authority. You may obtain further information regarding the authorisation status of Elmo Insurance Limited by accessing https://www.elmoinsurance.com/sites/default/files/Elmo_Travel_Policy%20B....  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.  Your right to cancel the insurance policy applies only to policies which cover an insurance period of one month or longer and provided that 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.

 

Our right to cancel

We may cancel the policy with immediate effect in the case of dishonest claims or if you fail to comply with the Health Requirements contained in page 9 of the Travel Insurance Policy Document accessible through the following link: www.elmoinsurance.com/travel/policy-documents-and-forms-2.   

 

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.

 

Language

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 the 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.  This is without prejudice to any other judicial action which you may wish to resort to. 

You may also seek assistance from the Malta Insurance Association with whom this company is affiliated.

 

Procedure for the submission of claims

You must inform us in writing of damage or liability which may result in a claim under this policy within 7 days from the date of damage or liability or when the damage or liability becomes known to you.  You must inform us in writing of any personal baggage claim within not later than 7 days following your return to Malta.  In the case of a claim relating to theft or loss of money, you must file a report with the police within 48 hours of discovery of such theft or loss.  In the case of a claim relating to theft or loss of property, you must provide us with a police report and all receipts or valuations relating to the property stolen or lost.  You must also send us immediately any writ, summons, legal document or prosecution instituted against you.  You must not negotiate, admit or deny liability without our written permission. 

 

Full Disclosure

When you take out, renew or alter any policy, the information you supply to us is the basis on which your cover and premium are agreed. If that information is incorrect or anything changes, please let us know immediately as it could invalidate your policy or result in a claim not being paid. Remember you should always inform us about any change immediately.

 

Protection & Compensation

The Protection and Compensation Fund is made up of contributions by locally licensed insurers and provides limited compensation to policyholders if one of these insurers becomes insolvent. Payments out of the fund are made to qualified persons as defined in the Protection and Compensation Fund Regulations 2003. Further information can be obtained by visiting the Malta Financial Services Authority website www.mfsa.com.mt or contacting our Compliance Officer.

 

Processing of Personal Data

We are committed to protect the security of your personal data and to ensure that your rights according to Data Protection Legislation are safeguarded.  You may access our Data Protection Notice through the following link:www.elmoinsurance.com/online-security.

 

Data security

To ensure the security of your credit card information when you purchase insurance cover through Payment gateway website via the Payment Details screen, we use the latest Secure Socket Layer (SSL) technology. SSL is currently the preferred method to securely transfer credit card and other sensitive data over the Internet. If your browser supports SSL, please select the Secure Mode option when confirming your insurance and your credit card and other personal details will be protected by this technology. If you are restricted by the capabilities of your browser then you can use the non-secure mode, but we recommend that you upgrade to the latest version of any browser to allow you peace of mind during any further transactions. At no point is your credit information being stored by our System.