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Legal terms

Information on the Insurance Intermediaries Pursuant to the Spanish Insurance Distribution Act

Host liability insurance and Experiences liability insurance policies were arranged and concluded for the benefit of EU Hosts by AON IBERIA CORREDURÍA DE SEGUROS Y REASEGUROS, S.A.U as insurance intermediary.

The insurance company for Host liability insurance and Experiences liability insurance in the EU is Zurich Insurance, plc.

Host liability insurance

Host liability insurance is subject to certain terms, conditions, and exclusions. 
To learn more, download a comprehensive program summary.

Experiences liability insurance

Experiences liability insurance is subject to certain terms, conditions, and exclusions. 
To learn more, download a comprehensive program summary.

(i) General.

Aon Iberia Correduría de Seguros y Reaseguros, S.A.U., a single-member company ("AON") is an insurance intermediary acting as an insurance broker. AON's registered office is located at C/ Rosario Pino, no. 14-16, C.P. 28020 in MADRID, Spain. It is registered at the Commercial Registry of Madrid on Sheet M-19857, Volume 1577, Page 122, tax identification number A-28109247.

AON engages in its insurance distribution business in EU countries under freedom of services regimen under the Spanish Insurance Distribution Act1 (the Insurance Distribution Act), the Insurance Distribution Directive (the IDD), and other regulatory provisions. Without prejudice to the authority of host country where the distribution services are conducted, the Member State responsible for supervising AON is the Kingdom of Spain, and the Supervisory Authority in that State is the Directorate-General of Insurance and Pension Funds, whose address is Avenida del General Perón, no. 38, C.P. 28020, Madrid, Spain.

Furthermore, AON, as a brokerage firm, is registered on the Directorate-General of Insurance and Pension Funds' Register of Insurance and Reinsurance Distributors under number J-0107 ( and has the financial capacity and civil liability insurance stipulated in the Insurance Distribution Act.

Insurance mediation services will be provided by AON or by other Aon Group entities in any other country, if legally required.

Royal Decree Law 3/2020 of February 4 2020 transposing Directive (EU) 2016/97 of the European Parliament and of the Council of January 2016 on Insurance Distribution (the IDD) into Spanish law.

(ii) AON's business principles.

As stipulated in the Insurance Distribution Act, and in the IDD, AON renders its insurance brokerage services impartially and independently, having its customers' interests foremost and representing its clients vis-à-vis insurance companies.

AON furnishes its advice based on the principles of independence from insurance companies and objective and personalised assessment of its customers, in all cases seeking the coverage that best meets their needs in keeping with their requirements.

Based on the information furnished by the policyholder and the type of insurance product concerned, AON provides advice based on an objective assessment of a sufficient number of insurance policies existing in the insurance marketplace that meet most of the policyholder's requirements. Our objective assessment centres on the insurance policies offered by the insurance companies we consider best suited for the perils to be covered. However, this does not mean that there might not be other products or insurers offering other terms of insurance in the marketplace.

(iii) Complaints and claims service

AON has a complaints and claims service for its customers to register any complaints they consider appropriate regarding the insurance mediation services that AON provides. Complaints may be registered to or at AON's office.

(iv) Remuneration.

For its insurance brokerage services under the HPI program, Aon Iberia is remunerated solely by Airbnb.

(v) Conflict of interest resolution

The Aon Group has a policy intended to avoid conflicts of interest.

(vi) External Collaborator

AON is assisted in its insurance distribution activity by AIRBNB MARKETING SERVICES S.L.U., a company based at Carrer de Casanova, no. 2-4, Plant 9, Barcelona, C.P. 08011, Spain, which acts as an "external collaborator" within the meaning of the Insurance Distribution Act.

(vii) Protection of personal data and digital rights.

In accordance with Regulation (EU) 2016/679 approving the General Data Protection Regulation ("GDPR"), AON has put in place a new Security Policy aimed at assuring implementation of whatever technical and organisational security measures may be necessary so as to ensure the security, confidentiality, and integrity of the personal data being processed at all times having in mind the type of information or data processed and the state of the art. Similarly, AON also has in place a Privacy Policy in accordance with the GDPR specifying the scope, purpose, and basis of the processing of the data, etc. These two Policies are available at The purpose of collecting and processing the personal data, including special categories of data (health data in particular), that you furnish is to provide private insurance brokerage services and to preserve, administrate, and manage your insurance policy, including claims handling. The services will not be able to be performed unless you consent to processing of those data for the purposes specified. If you furnish data on other persons, you are to have informed those parties of the details set out in this document beforehand.

Despite being available here for careful perusal, basic information on the most relevant aspects of the aforementioned policies concerning processing is provided below.

Basic Information on Data Protection

Data Controller


Purposes and Legal Basis


- Provision of private insurance brokerage services.

- Performing assessments or studies and promoting and selling its own products or third-party products marketed by AON.

- Fulfilling our legal and regulatory obligations.


- Concluding contracts.

- Legitimate interest.

- Fulfilling legal obligations.


Insurance Companies whose coverage is listed and insurance policies are underwritten, medical centres, healthcare clinics, loss adjusters and other third parties for claims handling. Companies in the AON Group and other third companies, including those based in countries outside the European Economic Area, as described in AON's Privacy Policy.


You may exercise your rights of access, rectification, erasure, portability, restriction, y objection to processing by applying to AON by post (Calle Rosario Pino, no. 14-16, C.P. 28020-Madrid) or by e-mail (, providing identification.

Additional information

Further details are available on this website:

If you have any questions about this document or any other aspect concerning personal data, please contact AON's Data Protection Officer.

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