Vacation packages
Stays
Cars
Flights
Support
AARP Member Savings
My Trips
AARP.org
Join
Renew

Corinthia St George's Bay

5.0 star property
Beachfront hotel with 10 restaurants and 4 outdoor pools

Choose dates to view prices

Photo gallery for Corinthia St George's Bay

Sundeck
Creator video
10 restaurants, breakfast, lunch, dinner served; Mediterranean cuisine
Daily buffet breakfast (EUR 18 per person)
Exterior
The beachfront Corinthia St George's Bay offers four outdoor pools for sunbathing. Apollo by Dee Spas provides facials and massages for rejuvenation. Enjoy Mediterranean cuisine and snorkeling, with attentive staff and free in-room WiFi enhancing your relaxation experience.

Reviews

9.0 out of 10
Wonderful

Popular amenities

  • Bar
  • Hot Tub

Room options

Available filters for rooms
Showing 12 of 12 rooms

View all photos for Deluxe Twin Room, Sea View

Minibar, in-room safe, iron/ironing board, rollaway beds

Deluxe Twin Room, Sea View

8.8 out of 10
Excellent
(3 reviews)

Highlights

Air conditioning
Flat-screen TV
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
Eco-friendly cleaning supplies
  • Sea view
  • Sleeps 3
  • 2 Twin Beds

View all photos for Deluxe Room, 1 Queen Bed, Sea View

Minibar, in-room safe, iron/ironing board, rollaway beds

Deluxe Room, 1 Queen Bed, Sea View

9.8 out of 10
Exceptional
(6 reviews)

Highlights

Air conditioning
Flat-screen TV
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
Eco-friendly cleaning supplies
  • Sea view
  • Sleeps 3
  • 1 Queen Bed

View all photos for Superior Room (Family)

Minibar, in-room safe, iron/ironing board, rollaway beds

Superior Room (Family)

Highlights

Air conditioning
Flat-screen TV
Separate bedroom
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
  • 1 bedroom
  • City view
  • Sleeps 4
  • 2 Double Beds

View all photos for Superior Family Room, Sea View

Minibar, in-room safe, iron/ironing board, rollaway beds

Superior Family Room, Sea View

Highlights

Air conditioning
Flat-screen TV
Separate bedroom
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
  • 1 bedroom
  • Sea view
  • Sleeps 4
  • 2 Double Beds

View all photos for Junior Suite, 1 Queen Bed

View from room

Junior Suite, 1 Queen Bed

10.0 out of 10
Exceptional
(2 reviews)

Highlights

Air conditioning
Flat-screen TV
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
Eco-friendly cleaning supplies
  • Sea view
  • Sleeps 3
  • 1 Queen Bed

View all photos for Executive Room, 1 Queen Bed, Sea View

Minibar, in-room safe, iron/ironing board, rollaway beds

Executive Room, 1 Queen Bed, Sea View

10.0 out of 10
Exceptional
(1 review)

Highlights

Air conditioning
Flat-screen TV
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
Eco-friendly cleaning supplies
  • Sea view
  • Sleeps 3
  • 1 Queen Bed

View all photos for Executive Twin Room, Sea View

Minibar, in-room safe, iron/ironing board, rollaway beds

Executive Twin Room, Sea View

Highlights

Air conditioning
Flat-screen TV
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
Eco-friendly cleaning supplies
  • Sea view
  • Sleeps 3
  • 2 Twin Beds

View all photos for Superior Twin Room

Minibar, in-room safe, iron/ironing board, rollaway beds

Superior Twin Room

10.0 out of 10
Exceptional
(1 review)

Highlights

Air conditioning
Flat-screen TV
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
Eco-friendly cleaning supplies
  • City view
  • Sleeps 3
  • 2 Twin Beds

View all photos for Superior Room, 1 Queen Bed

Minibar, in-room safe, iron/ironing board, rollaway beds

Superior Room, 1 Queen Bed

Highlights

Air conditioning
Flat-screen TV
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
Eco-friendly cleaning supplies
  • City view
  • Sleeps 3
  • 1 Queen Bed

View all photos for Deluxe Suite, 2 Twin Beds

Minibar, in-room safe, iron/ironing board, rollaway beds

Deluxe Suite, 2 Twin Beds

Highlights

Air conditioning
Flat-screen TV
Separate bedroom
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
  • 1 bedroom
  • City view
  • Sleeps 4
  • 2 Twin Beds

View all photos for Deluxe Suite, 2 Twin Beds, Sea View

Minibar, in-room safe, iron/ironing board, rollaway beds

Deluxe Suite, 2 Twin Beds, Sea View

Highlights

Air conditioning
Flat-screen TV
Separate bedroom
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
  • 1 bedroom
  • Sea view
  • Sleeps 4
  • 2 Twin Beds

View all photos for Deluxe Suite, 2 Twin Beds, Sea View (Twin)

Minibar, in-room safe, iron/ironing board, rollaway beds

Deluxe Suite, 2 Twin Beds, Sea View (Twin)

Highlights

Air conditioning
Flat-screen TV
Separate bedroom
Hair dryer
Bathrobes
Private bathroom
Eco-friendly toiletries
Electric kettle
  • 1 bedroom
  • Sea view
  • Sleeps 4
  • 2 Twin Beds

You may also like

Ad
Outdoor pool, pool umbrellas, sun loungers

voco Malta by IHG

Paceville
  • Pool
  • Spa
  • Pet friendly
  • Free WiFi
9.6 out of 10, Exceptional, 33 reviews
voco Malta by IHG

About the neighborhood

Map
St. Georges Bay, St. Julian's, Malta, STJ 3301

What's nearby

  • St George's Beach - 5 min walk - 0.3 miles
  • Saint Julian's Bay - 15 min walk - 0.8 miles
  • Dragonara Casino - 15 min walk - 0.8 miles
  • Sliema Promenade - 4 min drive - 1.7 miles
  • Sliema Ferry - 8 min drive - 3.8 miles

Getting around

  • Malta Intl. Airport (MLA) - 24 min drive

Restaurants

  • ‪Andrew's Bar - ‬6 min walk
  • ‪Hugo's Burger Bar - ‬8 min walk
  • ‪Hugo's Terrace - ‬8 min walk
  • ‪Westin Executive Club Lounge - ‬14 min walk
  • ‪Lubelli - ‬7 min walk

About this property

Corinthia St George's Bay

Luxury hotel near St George's Beach
Located close to Saint Julian's Bay and Sliema Promenade, Corinthia St George's Bay provides a beach bar, a poolside bar, and a terrace. This hotel is a great place to bask in the sun with a beachfront location, beachfront dining, and sun loungers. Treat yourself to a sports massage, a facial, or aromatherapy at Apollo by Dee Spas, the onsite spa. At the 10 on-site restaurants, enjoy breakfast, lunch, dinner, and Mediterranean cuisine. Enjoy the health club, as well as activities like parasailing, windsurfing, and sailing. Free in-room WiFi is available to all guests, along with a coffee shop/cafe and a garden.
You'll also enjoy perks such as:
  • 4 outdoor pools and an indoor pool, along with sun loungers and pool umbrellas
  • Buffet breakfast (surcharge), 2 outdoor tennis courts, and self parking (surcharge)
  • A roundtrip airport shuttle (surcharge), an electric car charging station, and babysitting (surcharge)
  • A front-desk safe, a 24-hour front desk, and motorized watercraft on site
  • Guest reviews speak highly of the pool, helpful staff, and location
Room features
All 248 rooms include comforts such as 24-hour room service and air conditioning, as well as perks like free WiFi and safes. Guest reviews speak positively of the clean rooms at the property.
More amenities include:
  • Recycling, LED light bulbs, and eco-friendly cleaning products
  • Bathrooms with eco-friendly toiletries and tubs or showers
  • 32-inch flat-screen TVs with premium channels
  • Childcare services, electric kettles, and daily housekeeping

Similar properties

Indoor pool, seasonal outdoor pool, free cabanas, pool umbrellas

Hyatt Regency Malta

  • Pool
  • Spa
  • Parking included
  • Free WiFi
9.6 out of 10, Exceptional, 890 reviews
Hyatt Regency Malta

Property amenities

Internet

  • Available in all rooms: Free WiFi
  • Available in some public areas: Free WiFi and wired internet

Parking and transportation

  • Electric car charging station on site
  • 24-hour roundtrip airport shuttle on request for a surcharge
  • Bus station shuttle (surcharge)
  • Self parking on site (EUR 3 per day)

Food and drink

  • Daily buffet breakfast available 7:00 AM to 10:30 AM for a fee: EUR 18 per person
  • 10 restaurants
  • 4 bars/lounges
  • A beach bar
  • A coffee shop/cafe
  • A poolside bar
  • Coffee and tea in common areas
  • Couples/private dining
  • Snack bar/deli

Restaurants on site

  • Broadside Terrace
  • Caviar & Bull
  • Don Royale
  • Fra Martino
  • Henry J Bean's

Things to do

  • 2 outdoor tennis courts
  • 4 outdoor pools
  • Beach volleyball
  • Children's pool
  • Full-service spa
  • Health club
  • Hot tub
  • Indoor pool
  • Motor boating
  • Outdoor pool (guest access)
  • Parasailing
  • Personal motorized watercraft
  • Rowing/canoeing
  • Sailing
  • Sauna
  • Scuba diving
  • Snorkeling
  • Water skiing
  • Water sports equipment
  • Windsurfing

Family friendly

  • 4 outdoor pools
  • Children's pool
  • In-room babysitting (surcharge)
  • Indoor pool
  • Laundry facilities
  • Rollaway/extra bed (surcharge)
  • Snack bar/deli

Conveniences

  • 24-hour front desk
  • Guidebooks
  • Hair salon
  • Laundry facilities
  • Luggage storage
  • Safe at front desk

Guest services

  • Change of bedsheets (on request)
  • Change of towels on request
  • Concierge services
  • Dry cleaning/laundry service
  • Housekeeping (daily)
  • Multilingual staff
  • Porter/bellhop
  • Tour and ticket assistance
  • Wedding services

Business services

  • 8 meeting rooms
  • Conference center

Outdoors

  • Beach loungers
  • Beach towels
  • Beach umbrellas
  • Garden
  • On the bay
  • On the beach
  • Pool loungers
  • Pool umbrellas
  • Terrace

Full-service spa

  • 4 treatment rooms
  • Aromatherapy
  • Ayurvedic treatments
  • Body scrubs
  • Body wraps
  • Couples treatment rooms
  • Deep-tissue massages
  • Detox wraps
  • Facials
  • Hot stone massages
  • Manicures/pedicures
  • Outdoor treatment areas
  • Prenatal massages
  • Reflexology
  • Sauna
  • Spa open daily
  • Sports massages
  • Swedish massages
  • Thai massages

Accessibility

  • Elevator

More

  • 5 floors
  • At least 80% lighting from LEDs
  • At least 80% of food locally-sourced
  • At least 80% organic food
  • Ballroom
  • Banquet hall
  • Biodegradable coffee stirrers available
  • Biodegradable drinking straws available
  • Built in 1997
  • Comprehensive food waste policy
  • Comprehensive recycling policy
  • Designated smoking areas
  • Eco-friendly cleaning products used
  • Humane treatment of captive wild animals
  • Local artist showcase
  • Locally-owned and organized tours and activities
  • Mediterranean architecture
  • No plastic coffee stirrers
  • No plastic drinking straws
  • No plastic soft drink bottles
  • No plastic water bottles
  • Reusable cups
  • Reusable tableware
  • Vegan dining options
  • Vegetarian breakfast available
  • Vegetarian dining options

Room amenities

Bedroom

  • Bedsheets provided
  • Rollaway/extra bed (surcharge)

Bathroom

  • Bathrobes
  • Bathtub or shower
  • Free toiletries
  • Hair dryer
  • Private bathroom
  • Slippers
  • Towels provided

Entertainment

  • 32-inch flat-screen TV with premium cable channels

Food and drink

  • 24-hour room service
  • Champagne service
  • Coffee/tea maker
  • Electric kettle
  • Free bottled water
  • Minibar
  • Restaurant dining guides

More

  • Air conditioning
  • Cleaning products are eco-friendly
  • Eco-friendly toiletries
  • Energy-saving switches in guestrooms
  • Iron/ironing board
  • LED lighting
  • Phone
  • Recycling
  • Safe
  • Water-efficient showers

Policies

Check-in

Check-in start time: 3:00 PM; Check-in end time: 1:00 AM
Late check-in subject to availability
Minimum check-in age: 18

Check-out

Check-out before noon
Contactless check-out available

Special check-in instructions

This property offers transfers from the airport (surcharges may apply); to arrange pick-up, guests must contact the property 48 hours prior to arrival, using the contact information on the booking confirmation
Front desk staff will greet guests on arrival at the property
For any questions, please contact the property using the information on the booking confirmation

Access methods

Staffed front desk

Pets

Pets not allowed

Children and extra beds

Children are welcome
Rollaway/extra beds are available for EUR 35.0 per night
Cribs (infant beds) are not available

Property payment types

Important information

Fees

You'll be asked to pay the following charges at the property. Fees may include applicable taxes:

  • A tax is imposed by the city: EUR 0.50 per person, per night, up to 10 nights. This tax does not apply to children under 18 years of age.

We have included all charges provided to us by the property.

Optional extras

  • Fee for buffet breakfast: approximately EUR 18 per person
  • Airport shuttle fee: EUR 33 per vehicle (one-way, maximum occupancy 4)
  • Self parking fee: EUR 3 per day
  • Rollaway bed fee: EUR 35.0 per night

The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.

You need to know

Extra-person charges may apply and vary depending on property policy
Government-issued photo identification and a credit card, debit card, or cash deposit may be required at check-in for incidental charges
Special requests are subject to availability upon check-in and may incur additional charges; special requests cannot be guaranteed
The name on the credit card used at check-in to pay for incidentals must be the primary name on the guestroom reservation
Special cancellation policies or charges may apply for group reservations (more than 8 rooms for the same property / stay dates)
This property accepts credit cards and cash
This property reserves the right to pre-authorize the guest's credit card prior to arrival.
Cashless transactions are available
This property uses solar energy, plus eco-friendly cleaning products
This property has outdoor spaces, such as balconies, patios, terraces which may not be suitable for children; if you have concerns, we recommend contacting the property prior to your arrival to confirm they can accommodate you in a suitable room
Please note that cultural norms and guest policies may differ by country and by property; the policies listed are provided by the property
Children up to the age of 12 can make use of the indoor pool and spa facilities from 8:30 AM to 5 PM.

We should mention

Reservations are required for massage services; reservations can be made by contacting the property prior to arrival, using the contact information on the booking confirmation
A car is not required for transportation to and from this property
Guests under 12 years old are not allowed in the spa, and guests under 12 years old are only allowed with adult supervision

National rating

Hotelstars Union assigns an official star rating for properties in Malta. This property is rated 5 stars.

Property is also known as

Corinthia St. George's Bay
Corinthia Hotel St. George's Bay St. Julian's
Corinthia St. George's Bay St. Julian's

Frequently asked questions

Does Corinthia St George's Bay have a pool?

Yes, this property has an indoor pool, 4 outdoor pools, and a children's pool.

Is Corinthia St George's Bay pet-friendly?

No, pets are not allowed at this property.

How much is parking at Corinthia St George's Bay?

Self parking is available for EUR 3 per day.

What time is check-in at Corinthia St George's Bay?

Check-in start time: 3:00 PM; Check-in end time: 1:00 AM. Late check-in is available during limited hours.

What time is check-out at Corinthia St George's Bay?

Check-out is at noon.

Does Corinthia St George's Bay provide a shuttle to the airport?

Yes, there's an airport shuttle that runs on request. A fee of EUR 33 per vehicle applies.

Where is Corinthia St George's Bay located?

Located in St. Julian's, this beachfront hotel is in the entertainment district and within 1 mi (2 km) of St George's Beach and Saint Julian's Bay. Sliema Promenade and Sliema Ferry are also within 3 mi (5 km).

Have a question?

AI iconBeta

Get instant answers with AI powered search of property information and reviews.

Reviews

Corinthia St George's Bay Reviews

9.0

Wonderful

9.0

Cleanliness

9.0

Location

9.2

Staff & service

8.6

Eco-friendliness

8.4

Property conditions & facilities
Rating 10 - Excellent. 623 out of 1048 reviews
Rating 8 - Good. 303 out of 1048 reviews
Rating 6 - Okay. 75 out of 1048 reviews
Rating 4 - Poor. 30 out of 1048 reviews
Rating 2 - Terrible. 17 out of 1048 reviews

Reviews

10/10 Excellent

fangyi

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Great vacation place. Will book this one again
Stayed 6 nights in Oct 2025

8/10 Good

Gregory Duane

Liked: Cleanliness, staff & service, amenities
Clean room, good staff, nice spa, good dining, great view
Stayed 3 nights in Sep 2025

10/10 Excellent

Kanwaljit

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Beautiful hotel in great location
Stayed 5 nights in Aug 2025

8/10 Good

Neil

Liked: Cleanliness, staff & service, property conditions & facilities
Great staff , in a good area of St George’s bay
Stayed 5 nights in Sep 2025

10/10 Excellent

David Ross

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Fantastic views from room and all the restraints
Stayed 7 nights in Oct 2025

10/10 Excellent

Vladimir

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Excellent, well managed hotel. Great staff and managers!
Stayed 3 nights in Sep 2025

8/10 Good

BYEONGHOON

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Everything was so great. I would definitely consider staying at this hotel if I were to revisit Malta.
Stayed 4 nights in Sep 2025

10/10 Excellent

Amanda Vivienne

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Hotel was great - staff were amazing - very built up area with lots of ongoing construction - massive cranes etc
Stayed 7 nights in Sep 2025

8/10 Good

Victor

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
The hotel atmosphere and the sea view was really good, the staffs were friendly and polite . The food at the hotel was good , kids enjoyed the pool area and water sports .looking forward to visit again .
Stayed 7 nights in Aug 2025

8/10 Good

amarpal

Liked: Cleanliness, staff & service, amenities
Bathrooms needs refurbishment definitely as they were like a 2 star hotel. Pools were good hotel itself was good And breakfast was also nice. Lots of sunbeds and large pool area.
Stayed 2 nights in Aug 2025

4/10 Poor

Anders

Disliked: Amenities, property conditions & facilities
Great staff - and pool area/seaview OK BUT next to a massive construction site that worked all week (incl sunday). SO dont go unless you get upgraded to the seaview side and still con live with the noise/difficult acces on foot.
Stayed 3 nights in Oct 2025

10/10 Excellent

Anthony Nicholas

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
The facilities and the staff are 5 Star. The area around the hotel is well kept but the continual building work adjacent to the Corinthia is still ongoing. May it end soon 🙏
Stayed 7 nights in Sep 2025

10/10 Excellent

Elaine

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
The hotel staff were very attentive, friendly and looked after us throughout our stay. Nothing was too much trouble. The hotel exceeded our expectation in every way. The next door building works did not deter from our enjoyment and we had minimal noise at the pool from it.
Stayed 7 nights in Sep 2025

10/10 Excellent

Bhavisha

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Liked the spa and salon. Lots of space and area's to sit near pools. Lots of places to eat. Room was spacious and excellent view
Stayed 7 nights in Jul 2025

10/10 Excellent

Devendra R

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
This was a wonderful hotel located on a bluff with very easy access to the swimming spots in the sea. Plenty of amenities and dining options, however, my wife being a vegetarian very limited options. Easy walking distance down to the bay with plenty more shopping and dining options. The entire hotel staff were courteous and provided great service. Enjoyed the spa facility and it was very clean. Actually the entire hotel and facilities were clean. Rooms were comfortable and loved the sea facing balconies to enjoy the gorgeous sunrises with my morning coffee during the stay. Overall, a great hotel, amenities, location and staff. Will definitely return.
Stayed 4 nights in Sep 2025

10/10 Excellent

Mary

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Loved the amenities such as pool areas, spa, breaking buffet, nice staff. As others have noted, rooms could use a refresh. Carpet changed out to vinyl flooring, paint job on the walls would go a long way. Otherwise, loved having a balcony that overlooked the pools and the Mediterranean. We really enjoyed our staff. Staff was excellent and accommodating. Front desk, housekeeping and restaurant staff all A++!
Stayed 5 nights in Sep 2025

8/10 Good

Dinesh

Liked: Cleanliness, staff & service, property conditions & facilities
Very good staff
Stayed 7 nights in Jul 2025

10/10 Excellent

Johnson

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Pools and private beach. Food choices
Stayed 4 nights in Jul 2025

8/10 Good

Anishabibi

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Pools, breakfast, staff and cleanliness are excellent plus bus stops outside. Rooms in need of maintenance, air conditioning is loud enough to drown out snoring and lounge acess has limited food.
Stayed 5 nights in Jul 2025

10/10 Excellent

Elaine Catherine

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Excellent service snd facilties
Stayed 10 nights in Jun 2025

10/10 Excellent

Oliver

Liked: Cleanliness, amenities, property conditions & facilities
Fantastic. Really Great Hotel, Staff, Food and Facilities.
Stayed 4 nights in Jun 2025

8/10 Good

Dinara

Liked: Cleanliness, staff & service, property conditions & facilities
Charming hotel, although a bit dated in decor. Staff were friendly but not always the most knowledgeable. Felt understaffed for such a large hotel so service was sometimes slow. Spa facilities were not the best for the price. Breakfast was lovely. Would stay again as location great.
Stayed 4 nights in Aug 2025

10/10 Excellent

Emily Jayne

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Loved ever moment of staying at the Corinthia. We hoped over for a 4 day break from the UK. We opted for the executive suite (highly recommend) and will certainly be visiting again! Hands down on of the best hotels around Malta. 5*
Stayed 3 nights in Jun 2025

10/10 Excellent

Stuart

Liked: Cleanliness, staff & service, property conditions & facilities, room comfort
Excellent service from all staff
Stayed 3 nights in May 2025

10/10 Excellent

Sadaf

Liked: Cleanliness, staff & service, amenities, property conditions & facilities
Really enjoyed our stay
Stayed 3 nights in Sep 2024

  • † More information about the $50 gift card with flight package benefit may be found at: https://www.expedia-aarp.com/lp/b/vacationpackages50prepaid

  • English Copyright 1995 – 2025. All rights reserved. Use of this Web site constitutes acceptance of the Expedia User Agreement and Privacy Policy. Expedia pays a royalty fee to AARP for the use of AARP’s intellectual property. These fees are used for the general purpose of AARP. All goods or services and discounts offered via the AARP® Travel Center powered by Expedia ®, are provided by third-party suppliers. AARP and its affiliates do not endorse and are not responsible for the goods or services and discounts made available on this site. Offers are subject to change and may have restrictions. Please contact the AARP® Travel Center powered by Expedia® directly for full details. AARP and its affiliates are not insurers.