Terms, Conditions and Policies

Terms, Conditions & Policies

 

Response & Quotations

We will endeavour to provide you with feedback concerning your enquiry within the shortest time possible. Quotations sourced on your behalf are indicative and based on the information you have supplied. Binding terms and quotes will be available following the completion of a detailed proposal form or via the Buy Online option (if applicable). Quotations are valid for a maximum period of 30 days from their date of release unless specified otherwise or in the case of material changes in the risk.

Disclosure of Material Facts

The insurance terms provided will be based on the information you are submitting. It is understood and agreed that all material facts are submitted and that questions will be answered correctly and to the best of your knowledge and belief. If this is inaccurate or incomplete, the terms provided may be subsequently withdrawn. In the event of an insurance being issued on the basis of non disclosed or misrepresented facts the policy may be voided and any claims repudiated. For guidance on what should be disclosed you are invited to contact our representative for this class of business of interest to you. If in doubt as to whether a circumstance constitutes a material fact then it is best practice that you disclose it.

 
Terms and Conditions in relation to Products and Services

The content of this Site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you that we may accept or reject without any reason. Your request will be subject to the terms and conditions of that product or service.The information and descriptions on the Site do not constitute complete descriptions of all terms and conditions in relation to products and services. Specific details will be included in the schedule of cover, policy documents and/or conditions issued to you.You must ensure that the details you give us when using this Site are accurate and that you have sufficient funds to cover the cost of any product or service which you intend to purchase.

 

Our services and relationship will be subject to the Business Statement and Information Document that will be provided to you in the course of our discussions or upon request.

 

Data Protection

By using our services and providing us with details through this website you are giving us your explicit consent to process any data (including personal data and sensitive personal data as defined in Chapter 440 of the Laws of Malta) for the purpose of providing you with insurance services, claims handling, risk management, consultancy and ancillary services.

It is also understood that you are aware that it is your responsibility to secure and hold the necessary consent from any employees, beneficiaries or other third parties directly or indirectly involved in the insurance proposal/arrangements and whose data will be processed by us and the providers of insurance and ancillary services and that the data may be processed by parties located anywhere in the world.

Data supplied may also be stored and used for the purpose of preventing, detecting or suppressing fraud, corporate governance, compliance, recording statistics and to update you on our services and promotions. If you would not like to receive such updates please send an e-mail to ‘info@mib.com.mt’ specifying your request. You are also entitled to lodge a signed written request for access to or rectification of data held by us.

We are the controllers of the data and are registered with the Office of the Commissioner for Data Protection, Malta as appointed under with the Data Protection Act 2001.

We also understand that you are aware that any information supplied over the internet is not necessarily secure. Whilst doing our utmost to protect this flow of data we can neither guarantee total protection nor vouch for the security measures in place by the respective insurance entities, companies etc. we approach on your behalf. In accepting these terms and conditions you are agreeing that we cannot be held responsible for any unauthorised access to this information.

We may also collect information during your visit to our website through cookies. We use cookies to help us compile aggregate statistics about usage of the website. This information is used to improve content and personalize your user experience. However, by modifying your Internet browser preferences, you have the ability to accept all cookies, to be notified when a cookie is set or to reject all cookies.
  

Payment Processing

 

The card details are received and processed directly by our payment gateway (PSP), the Transactium Payment Gateway: the card details are transmitted from you to the payment gateway (PSP) encrypted over high-strength SSL for maximum protection and confidentially. We do not at any point handle the card information.

For additional security, your three digit security code found at the back of your card is never stored by the payment gateway (CVV/CVC2).

The payment gateway (PSP) is licensed and authorized by Visa, MasterCard and other card associations to act as a payment gateway and is fully audited and compliant with the Payment Card Industry Security Standards.
 

Links

Through mib.com.mt, you may link to web pages and websites that are external to MIB. These websites are not operated or controlled by MIB, and MIB is not responsible for the privacy practices, security or the content of such external web sites.

Updates

We reserve the right to update or modify these Terms, Conditions & Policies at any time without prior notice. You should therefore regularly visit this page in order to register any changes.

Content

MIB endeavors to maintain the content of this website in as accurate, complete and current way as possible. The content is of a general nature and is not to be construed as being advice. You are to seek appropriate professional advice before relying on or taking any decision based on anything found on this website. From time to time MIB may make changes in the products and/or services described herein which may not be reflected on the website immediately. You are required to contact MIB for the latest product information and services before relying on the content of this website.

Feedback

We value your opinions. If you have comments or questions about our terms, conditions and privacy policy, please send them to info@mib.com.mt or write to us at the following address:

Mediterranean Insurance Brokers (Malta) Limited
53, Mediterranean Building
Abate Rigord Street
Ta’ Xbiex, XBX 1122
Malta.