TERMS AND CONDITIONS
Thomas Smith Insurance Brokers Ltd is a company registered in Malta.
Our company registration number is C 40721 and our registered office is at 2, Triq Guzeppi Ellul, Luqa, Malta.
Thomas Smith Insurance Brokers Ltd is enrolled in the Insurance Brokers List and is authorised to carry out insurance intermediary activities in terms of the Insurance Intermediaries Act, regulated by the Malta Financial Services Authority
Thomas Smith Insurance Brokers Ltd will ensure to provide you with feedback concerning your enquiry received through its website, via email or any other form of communication within a reasonable time. However quotations sourced on your behalf are indicative based on the information you have made available to us. Terms and quotations are only binding after completion and acceptance of detailed proposal form. Unless otherwise specified or in the case of material changes in the risk, quotations are valid for a maximum period of 30 days from date of issue.
Any insurance terms provided are based on the information you are submitting. It is understood that all material facts are disclosed and that all questions are answered correctly to the best of your knowledge and belief.
Incorrect or non-disclosure of material facts can lead to a subsequent withdrawal of terms and any policy issued on the basis of misrepresented or non-disclosed facts may be voided and claims repudiated. A material fact is one which is likely to influence an insurer in the acceptance and assessment of the proposal.
Each insurance policy issued will be subject to its own terms, conditions, limitations, exclusions and definitions.