Condiciones comerciales de los seguros
HolaSpain
Última actualización: 12 de febrero de 2026.
1. Introducción
These Insurance Terms of Business set out the basis upon which HolaSpain (“we”, “us”, “our”) provides insurance intermediation services. By purchasing or enquiring about an insurance product through HolaSpain, you agree to the terms outlined below.
2. Regulatory Status
HolaSpain is a company registered in Ireland and acts as an insurance intermediary in relation to selected international student insurance products. We distribute specific insurance products arranged with authorised insurance providers; we do not provide a personal recommendation based on a full market analysis, and our services should not be interpreted as independent financial advice.
3. Scope of Our Insurance Services
Our role is limited to providing information about selected insurance products, facilitating policy issuance, and assisting with documentation related to insurance coverage.
- Providing information about selected insurance products
- Facilitating policy issuance
- Assisting with documentation related to insurance coverage
We do not provide independent financial advice, we do not conduct a full market comparison, and we do not handle claims decisions.
- Provide independent financial advice
- Conduct a full market comparison
- Handle claims decisions
4. Insurance Providers
Insurance policies arranged through HolaSpain are underwritten by authorised insurance companies. Policy terms, coverage limits, exclusions, and claims handling procedures are governed exclusively by the insurer, and the insurer’s documentation will prevail in the event of any inconsistency.
5. Duty of Disclosure
You are responsible for providing complete, accurate, and truthful information when applying for insurance. Failure to disclose relevant information may invalidate your policy, result in refusal of a claim, or lead to cancellation of coverage in accordance with the insurer’s terms.
- Invalidate your policy
- Result in refusal of a claim
- Lead to cancellation of coverage
6. Premiums & Payments
Insurance premiums must be paid in full prior to policy issuance unless otherwise agreed in writing. Coverage does not commence until payment has been received and the policy has been issued (or otherwise confirmed by the insurer).
7. Remuneration & Commission Disclosure
HolaSpain may receive remuneration in the form of commission from the insurance provider. This commission is included within the insurance premium and does not increase the price paid by the customer beyond the agreed premium. We do not charge separate advisory fees unless explicitly disclosed in writing prior to purchase.
8. Conflicts of Interest
HolaSpain maintains internal policies to manage potential conflicts of interest. If a conflict arises that could materially affect your interests, we will disclose it in writing where required.
9. Policy Documentation
Upon issuance, you will receive a Certificate of Insurance, the Insurance Product Information Document (IPID), and full policy wording (or access to the full policy wording). It is your responsibility to read and understand the policy documentation, including coverage limits, exclusions, conditions, and claim procedures.
- A Certificate of Insurance
- The Insurance Product Information Document (IPID)
- Full policy wording
10. Claims Handling
All insurance claims must be submitted directly to the insurer or its appointed claims administrator in accordance with the policy documentation. HolaSpain does not assess, approve, or reject claims. We may provide reasonable administrative assistance (for example, helping you locate the correct claims channel), but claims decisions remain exclusively with the insurer.
11. Cancellation Rights
Insurance cancellation rights are governed by the insurer’s policy terms and applicable consumer protection laws. Depending on the policy type and circumstances, you may have a statutory cooling-off period. Any refund (where permitted) is subject to the insurer’s terms and may be reduced by applicable charges in accordance with the policy documentation.
12. Data Protection
Personal data collected for insurance purposes is processed in accordance with our Privacy Policy. Relevant data will be shared with insurers, underwriters, and authorised partners strictly for policy issuance, administration, and claims handling, and only to the extent necessary.
13. Cumplimiento de la normativa contra el blanqueo de capitales
In accordance with Irish Anti-Money Laundering legislation, we may request identity verification documentation, conduct risk-based compliance checks, refuse or delay transactions pending verification, and report suspicious transactions to competent authorities as required by law. Failure to comply with verification requirements may result in refusal of service or cancellation of a transaction.
- Request identity verification documentation
- Conduct risk-based compliance checks
- Refuse or delay transactions pending verification
- Report suspicious transactions to competent authorities
14. Complaints Procedure
If you wish to make a complaint regarding our insurance intermediation services, please contact us in writing at info@holaspain.agency. We will acknowledge your complaint and aim to resolve it promptly. If you remain dissatisfied, you may refer your complaint to the appropriate regulatory authority or the Financial Services and Pensions Ombudsman (FSPO) in Ireland, where eligible.
15. Limitation of Liability
HolaSpain’s liability is limited to losses directly arising from our proven negligence in the provision of insurance intermediation services. We are not liable for insurer insolvency, claim rejection by the insurer, or policy exclusions clearly stated in the documentation, nor for any indirect or consequential losses.
- Insurer insolvency
- Claim rejection by the insurer
- Policy exclusions clearly stated in documentation
16. Derecho aplicable
These Insurance Terms of Business are governed by the laws of Ireland, and any disputes shall be subject to the exclusive jurisdiction of the Irish courts.