PREMIER Services Limited

As a tied insurance intermediary for Mapfre Middlesea Insurance plc through Laferla Insurance Agency Ltd, we offer our customers a wide range of insurance policies tailored to suit their specific needs.  The following are some of the insurance covers provided:

PERSONAL INSURANCE

 MOTOR INSURANCE - We offer insurance cover for both Private and Commercial vehicles.  The covers available are Comprehensive, Third Party Fire and Theft and Third Party Only.  You may take advantage of the various discounts available to reduce your motor insurance premium.  Feel free to request a quotation by filling in and sending our online motor insurance quotation form.

HOME INSURANCE - Your Home is probably your largest single financial investment.  For this reason it is important to insure your home with a comprehensive policy designed to give you the choice of cover you require.  Such a policy will protect both the Buildings and the Contents against a possible disaster which may financially ruin you.  Cover is available for fire, lightning, theft, floods, impact from vehicles and aircraft, earthquakes, cost of replacing locks and keys, accidental damage to audiovisual equipment and computers and more.  A quotation can be obtained by filling in and sending the online home insurance quotation form.

MEDICAL INSURANCE - A medical insurance ensures that you and your family benefit from the treatment you need in a confidential environment and in an optimal manner.  We offer individual and group medical insurance schemes covering private medical treatment costs carried out in Malta as well as worldwide.  Consultations with specialists and diagnostic procedures as well as the costs of operations, private hospital charges and nursing at home are also covered.

TRAVEL INSURANCE - Today, travelling features in everybody's lifestyle.  Be it for business, pleasure or otherwise, we can provide you with a policy that suits all types of travel and all pockets. The benefits available are: Accidental death, Permanent total disability, Medical expenses, Hospital benefits, Cancellation and curtailment, Personal baggage, Delayed baggage, Personal money, Loss of documents, Travel delay and Personal liability.  One may also opt to extend his policy to include winter sports.  Should you require a quotation, please fill in and send our online travel insurance quotation form.

PERSONAL ACCIDENT INSURANCE - The policy covers any person who is gainfully occupied and the premium is usually related to the benefits selected under the policy.  The basic Personal Accident Insurance Policy provides compensation for various bodily injuries resulting from accidents.  Such cover can also be extended to provide a weekly income in case of temporary disablement causing absence from normal work.  In addition, cover for medical expenses which may be incurred as a result of the accident is also available.

YACHTS AND PLEASURE CRAFT INSURANCE - This type of insurance covers vessels solely used for private and pleasure purposes.  Cover is available on a "Comprehensive" basis covering the hull and equipment as well as third party damage.  The risks covered under this policy are: Physical loss or damage to the vessel, War and Associated Risks, Liabilities towards Third Parties, Insurance for Trailer, Road Transits  and Dropping of or falling overboard of outboard motor.  Optional covers include: Racing Risks with respect to Sailing Yachts, Machinery Damage, Water Skiing Liability, Propellor Fouling, Sailing in the Mediterranean Waters West of 25 degrees East, Personal Accident and Personal Effects.

BUSINESS INSURANCE

FIRE AND PERILS INSURANCE - This policy covers the loss of or damage to the Property Insured or any part of such Property be destroyed or damaged by FIRE or LIGHTNING at any time during the period of insurance.  Special Perils Extension: The Policy is extended to cover the following Perils: Explosion, Aircraft and other aerial devices, Impact with the property insured, Storm or Tempest, Flood, Bursting or overflowing of Water Tanks Apparatus or Pipes, Riot, Civil Commotion Strikes Locked-out Works Malicious Persons and Earthquake

THEFT INSURANCE - This policy covers the Insured in respect of loss of, or damage to the property insured caused by: THEFT or any attempt thereat following upon or followed by forcible and violent entry or exit to or from the Premises; HOLD-UP BY VIOLENCE and/or THREATS OF VIOLENCE to the Insured or his employees including the cost of making good damage to the Premises as a result of the above perils for which the Insured is liable.

COMMERCIAL PLAN INSURANCE - The Commercial Plan is a comprehensive insurance policy specifically designed with the local business industry in mind.  This policy makes sure that damage to buildings or its contents does not mean financial disaster and the loss of your assets built up over the years.  The insurance requirements of businesses are combined in one policy document to give a comprehensive scope of cover at competitive rates.  The varios sections cover Buildings, Trade Contents, Loss of Income, Money, Personal Accident Assault, Public and Employers' Liability, Plate Glass, Deterioration of Stock and Goods in Transit.

HOTELIERS' COMBINED INSURANCE - The Hoteliers' Combined Insurance Policy covers buildings and contents, revenue and liabilities of the hotel as well as other specified contingencies.  The wide range of cover fall under the following sections: Buildings and Contents, Rent, Radios and Televisions, Business and Trade Machinery, Glass Signs and Sanitary Fixtures, Chilled/Refrigerated Stock, Stock in Transit, Loss of Revenue, Book Debts, Loss of Money, Employers' Liability, Public and Products Liability, Motor Contingent Liability, Personal Accident (Assault), Group Personal Accident, Engineering Machinery, Loss of Revenue (Machinery) and Fidelity Guarantee.