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MOTOR INSURANCE POLICIES
LAFERLA Insurance Agency Limited offers insurance cover for both Private Cars Commercial
Vehicles.
The covers available are: Comprehensive, Third Party Fire and Theft and Third Party Only.
Fleet discounts are available for persons and companies having more than one vehicle.
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HOUSEHOLDERS' COMBINED INSURANCE
POLICY
This is designed to meet the needs of the householder in one comprehensive policy, with a
single premium and renewal date. This policy includes cover for buildings, contents,
personal effects and legal liabilities.
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COMMERCIAL PLAN INSURANCE
POLICY
This all in one policy is designed for the convenience of busy shop owners providing wide
cover against the principal risks and liabilities they face.
This comprehensive policy covers the following:
Trade Contents, Loss of Income, Money, Personal Accident Assault, Public Liability,
Employers' Liability, Plate Glass, Buildings, Deterioration of Stock and Goods in Transit.
The Commercial Plan Insurance Policy is flexible enough to allow for customisation
of insurance cover to meet individual requirement.
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FIRE AND SPECIAL PERILS INSURANCE
POLICY
The Basic Fire Policy provides cover against loss or damage to property caused by Fire
and/or Lightning. This policy can be extended to include loss or damage caused by all (or
some) of the following perils: Explosion, Hail, Rain, Flood, Bursting or Overflowing of
water tanks, apparatus or pipes, Impact by any road vehicles, horses or cattle,
Earthquake, Riot, Strikes, Labour Disturbances, Malicious damage and various other
specified calamities.
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THEFT INSURANCE POLICY
The basic Theft Policy provides protection against loss or damage to the property insured
following actual forcible breaking into or out of the premises by thieves. Also, the
policy covers damage to the premises of the insured arising out of theft or any attempted
theft, other than damage which may be insured against under Fire or Glass policies.
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PUBLIC LIABILITY INSURANCE
POLICY
The basic Public Liability Policy covers legal liability to third parties for bodily
injury (which includes death, illness or disease) and for any loss of or damage to
property which happens in connection with the business/occupation of the Insured. Cover
can be extended to include: Indemnity to Principals, Food and Drink, Products Liability,
Work away from premises, Property in the Custody or Control of the Insured.
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EMPLOYERS' LIABILITY INSURANCE
POLICY
The basic Employers' Liability Insurance Policy provides cover against legal liability as
an employer which relates to bodily injury or disease sustained by an employee and which
arises out of and in the course of the insured business/occupation. Such indemnity may
also be extended to include liability for payment of wages during injury leave for
employees in respect of injuries occurring at work.
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PERSONAL ACCIDENT INSURANCE
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.
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TRAVEL INSURANCE POLICY
This policy provides different levels of cover all over the world or in selected
geographical regions. The comprehensive cover includes personal accident, medical and
similar expenses, baggage and personal belongings, personal money, personal liability,
cancellation and curtailment charges, and delayed departure.
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MEDICAL INSURANCE POLICIES (LAFERLA healthplans)
With over thirteen years experience in private medical insurance, LAFERLA Insurance Agency Ltd. has now branded its own LAFERLA healthplans which 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 (including X-Rays, Laboratory tests and physiotherapy) as well as the costs for operations,
private clinic charges and nursing at home are also covered.
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ENGINEERING INSURANCE POLICIES
Specialised Engineering Insurance Policies are also available through LAFERLA Insurance
Agency Limited. Policies which fall within this class of insurance include:
Computer All Risks
Electronic Equipment Insurance
Contractors All Risks
Erection All Risks
Machinery Breakdown Insurance
Loss of Profits Insurance following Machinery Breakdown
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MARINE CARGO INSURANCE POLICIES
These policies cover the importation of goods by airfreight
and or seafreight including transhipments. Depending on the fragility
of the goods to be insured, there are various covers available.
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PLEASURE CRAFT INSURANCE POLICY
This type of policy covers pleasure crafts, i.e. boats having "S" or "PTF" registrations. Cover
is available on a "Comprehensive" basis covering the hull and equipment as well as third party damage.
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LIFE ASSURANCE POLICIES
LAFERLA HOLDINGS LIMITED is also licensed to sell Life Assurance products. The main types of
policies sold are LEVEL TERM POLICIES, which offer a lump sum of money in the event of the
insured person's death within a given period, and ENDOWMENT WITH PROFITS POLICIES,
which apart from providing death benefits also offer very attractive returns at the end of the
policy period to the surviving insured person. Such policies are also purchased as securities in order to obtain
house loans and business loans/overdraft facilities.
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OTHER INSURANCE POLICIES
There are other insurance policies available at LAFERLA Insurance Agency ltd. These are
grouped under the heading Miscellaneous and include the following:
Consequential Loss Insurance following Fire and Perils
All Risks Insurance
Money Insurance
Glass Insurance
Goods in Transit Insurance
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