Insurance Broker & Agent Invoice Generator Malta
Create a Malta insurance broker or agent commission note with policy number, insurer, coverage period and MFSA registration — VAT exempt on intermediation, with stamp duty on the policy explained separately.
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Client Information
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Invoice design
Invoice Details
Line Items
VAT exempt (Art. 22(4)(d)(i), VAT Act) — separate stamp duty on policies, rate varies by policy type (see FAQ) is applied only to line items with the “VAT exempt (Art. 22(4)(d)(i), VAT Act) — separate stamp duty on policies, rate varies by policy type (see FAQ)” box ticked.
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| Invoice Date | — |
| Description | Quantity | Rate | Amount |
|---|---|---|---|
| Annual premium — commercial general liability (policy no. above) | 1 | €0.00 | €0.00 |
| Annual premium — commercial property, fire & perils | 1 | €0.00 | €0.00 |
| Mid-term endorsement — additional insured (pro-rata premium) | 1 | €0.00 | €0.00 |
| Broker fee — placement & arrangement of cover | 1 | €0.00 | €0.00 |
| Policy administration fee | 1 | €0.00 | €0.00 |
| Premium finance / instalment charge | 1 | €0.00 | €0.00 |
| Risk survey & insurance review (fee-based advice, 1 hr) | 1 | €0.00 | €0.00 |
| Return premium — pro-rata cancellation credit | 1 | €0.00 | €0.00 |
| Subtotal | €0.00 |
| Total | €0.00 |
Insurance broker & agent invoice generator for Malta
Create an insurance commission note or premium invoice for Malta with the policy number, insurer, coverage period, line of business, transaction type and MFSA registration — VAT exempt on intermediation, with a note on the separate stamp duty on the policy.
Insurance intermediation is VAT-exempt in Malta, so this invoice shows "VAT exempt" rather than 0% or 18% — a useful signal that distinguishes a correctly-prepared Malta broker invoice from one that has simply zero-rated the transaction.
What a Malta insurance intermediation invoice should include
- Broker/agent name, MFSA registration and payment details.
- Policy number, insurer/carrier and coverage period.
- Line of business and transaction type (new business, renewal, endorsement, cancellation).
- Premium or commission amount, clearly marked "VAT exempt."
Why this invoice is VAT exempt, not 0% or 18%
Article 22(4)(d)(i) of the VAT Act exempts "supplies by persons licensed under the Insurance Business Act [Cap. 403] or the Insurance Intermediaries Act [Cap. 487], of insurance and reinsurance services, including related transactions in respect of which they are so licensed." Because the supply is exempt (not zero-rated), a Malta broker or agent invoice should show "VAT exempt" — no VAT line, no rate — rather than 0% or the standard 18%.
Separately, Malta levies stamp duty on policies of insurance under the Duty on Documents and Transfers Act, with rates reported to vary roughly between 0.1% and 11% depending on the class of policy. This functions as Malta's separate premium-tax mechanism, sitting outside VAT entirely. Verify the applicable rate for your specific policy type rather than assuming a single flat figure.
MFSA licensing — agent vs broker
The Malta Financial Services Authority (MFSA) licenses and supervises insurance undertakings and intermediaries under the Insurance Distribution Act, maintaining three separate public registers: Agents, Managers and Brokers. An insurance agent represents and is appointed by an insurer; an insurance broker is an independent intermediary paid by commission who deals with multiple insurers on the client's behalf.