Terms of Service
Last updated: March 2025
1. About Lampuki.com
Lampuki.com is an insurance comparison website operated in Malta. We provide a free service that allows you to compare insurance quotes from leading Maltese insurers. By using our website, you agree to these Terms of Service.
Lampuki.com is an introducer — we connect you with insurance providers but we do not sell insurance directly. Any insurance policy you purchase is a contract between you and the insurer, not with Lampuki.com.
2. Our Service
Lampuki.com provides:
- A free online tool to compare insurance quotes from multiple Maltese insurers
- Information and guidance about insurance products available in Malta
- Referrals to insurance providers for you to complete your purchase directly with them
The quotes displayed on our site are indicative and based on the information you provide. Final premiums are determined by the insurer and may differ from the indicative quotes shown.
3. Your Responsibilities
When using Lampuki.com, you agree to:
- Provide accurate, complete, and truthful information in all quote request forms
- Not use our service for any unlawful or fraudulent purpose
- Not attempt to gain unauthorised access to any part of our website or systems
- Not use automated tools to scrape, crawl, or systematically extract data from our website without written permission
- Be at least 18 years old to use this service
Providing false information to obtain insurance quotes may constitute fraud and could invalidate any insurance policy subsequently purchased.
4. Indicative Quotes Disclaimer
The quotes shown on Lampuki.com are indicative estimates based on the data you enter. They are provided for comparison purposes only. The actual premium you are offered by an insurer may be higher or lower depending on:
- A full underwriting assessment by the insurer
- Verification of the information you provided
- Additional questions or requirements from the insurer
- Changes in insurer pricing since the quote was generated
Lampuki.com makes no guarantee that any specific quote will be available when you proceed to purchase.
5. Intellectual Property
All content on Lampuki.com — including text, graphics, logos, and software — is the property of Lampuki.com or its content licensors and is protected by copyright law. You may not reproduce, distribute, or create derivative works without our express written permission.
6. Third-Party Links and Insurers
Our website contains links to third-party insurer websites. We are not responsible for the content, privacy practices, or terms of those websites. Clicking through to an insurer's site is subject to that insurer's own terms and conditions.
Our insurance partners are regulated entities authorised by the Malta Financial Services Authority (MFSA). We are not responsible for the acts, omissions, or decisions of any insurer.
7. Limitation of Liability
To the maximum extent permitted by Maltese law, Lampuki.com shall not be liable for:
- Any loss arising from reliance on indicative quotes shown on this site
- Any decisions you make based on information on this website
- Any interruption or unavailability of our service
- Any loss of data or business loss resulting from use of our website
Nothing in these terms limits our liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.
8. Governing Law
These Terms of Service are governed by the laws of Malta. Any disputes arising from use of Lampuki.com shall be subject to the exclusive jurisdiction of the Maltese courts.
9. Changes to These Terms
We may update these Terms of Service from time to time. Continued use of our website after changes are posted constitutes acceptance of the updated terms. We recommend reviewing this page periodically.
10. Contact
If you have questions about these Terms of Service, please contact us.