Elmo Group

The group comprises Elmo Insurance Ltd, which is linked to global re-insurers, Elmo Insurance Brokers Ltd that provides a range of insurance and JLT Insurance Management Malta, a provider of captive management service.
Home insurance covers against loss or damage due to fire, lightning, storm, flood, theft and other specified events. In terms of the building, the policy covers repairing or rebuilding the home, damage to underground services and sanitary ware, and the policy holder’s legal liability as property owner.
Contents cover applies to all household goods and personal belongings, items temporarily removed from the home and accidental damage. There are also extensions for loss of keys and wedding gifts, loss of money and food in a freezer. Everything is covered on a new for old basis and there’s also compensation for death due to fire or assault during a theft, providing this occurs within three months of the incident.
Loyalty discounts apply if you already have an Elmo motor policy or are renewing a policy. There’s also a discount if you are a senior citizen or 25% off the first year’s home content cover.
If you have a home loan or any other loan, Elmo also provides loan credit insurance. In the event of an accident or illness, this will cover all repayments until the end of the loan term or recovery from disability, whichever comes first. The same applies to involuntary unemployment, except that repayments are limited to a maximum of twelve months.
Loan credit insurance is available to anyone aged 18 to 65 who is living in Malta or Gozo. They must have been employed continuously for at least six months, be unaware of any pending unemployment and not be suffering from or undergoing investigation for certain specified illnesses. Special conditions apply to self-employed workers or those with pre-existing medical conditions.