Personal Insurance
Motor Insurance
Thomas Smith Insurance Brokers can source the kind of cover best suited for you and the type of car you drive. Motor insurance is classified into three different types of policies:
Third Party Liability
This is the basic car insurance policy which insures your legal liability towards third parties and is compulsory in Malta. With this policy the damage you cause to your own vehicle is not covered.
Third Party Fire & Theft
In addition to the cover provided under Third Party Only, this cover has added cover for loss or damage to own vehicle caused by fire, theft or attempted theft
Comprehensive Cover
Includes all of the above as well as damage caused to your vehicle.
Home Insurance
Your home is possibly the biggest investment you will ever make, so it’s crucial to have a Home Insurance Policy that protects it and all its Contents.
A Home Insurance covers the private residence and its contents
A Buildings Insurance provides protection for the building making up your home including the fixed items in and surrounding the building.
Contents Insurance provides your home contents in the event of an accidental damage.
Personal Belongings Insurance covers your jewellery and other specified items on an ‘All Risks’ basis even when they are not inside the home.
Boat Insurance
At Thomas Smith Insurance Brokers we can provide you with insurance quotations for:
- Dinghies, sailing yachts, speedboats, cabin cruisers or super yachts
- Boats used for private pleasure purposes
Policies are sourced from leading Insurers by experienced yachtsmen within our company.
Travel Insurance
Travel Insurance is an essential when you are planning your holiday or business trip.
A travel insurance:
- Covers overseas trips for work or on vacation.
- Provides protection for your luggage, legal liabilities, reasonable costs incurred if your luggage is delayed, personal accident and medical expenses incurred whilst overseas.
- Most insurers provide three different levels of cover, with set limits and/or sums insured, and with pre-established premiums.
Life Insurance
At Thomas Smith Insurance Brokers, we understand that there is nothing more important for you than to protect the people you care for.
Our Life Insurance range includes:
- Reducing Term
- Level Term
- Endowment ‘with profits’
- Investment bonds
- Retirement Plans
Health Insurance
State hospitals to date provide us with medical care paid for by the government. This system is over – subscribed and it’s very common to have to wait for up to 6 months for treatment for non critical conditions.
Private clinics and hospitals are available to anyone who is willing to pay for their service; however obtaining cure for a condition can become a very costly exercise.
A health insurance policy will provide you with a cover for a wide range of services, with pre-set limits or full benefit, depending on the plan selected.
A health insurance policy can cost as little as a cup of coffee a day for a young healthy individual.
