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Insurance for members of the Community Transport Organisation (CTO)

Missing a Piece(s) of your Insurance Puzzle?

Your nearest Aon Insurance brokers:

Insurance can be puzzling - let us help you put the pieces together!


As the approved insurance broker to the Community Transport Organisation (CTO), and with 30+ years' experience in the NFP sector, we understand your unique risks. We’ve listened to the feedback from members of CTO and want to make understanding and applying for the right insurance easier. As a result, Aon and Sam Small are proud to launch our new Insurance Puzzle Solver.

All organisations are unique so your insurance package should reflect this. For example, you may need Public Liability but not Property insurance. From our range of tailored, well-priced products for CTO members, the Insurance Puzzle Solver is here to help you identify what you do and don’t need and apply for only those, online.

Plus, for an even simpler experience, if there’s no change to your organisations’ activities over the next year, there will now be no forms at renewal!

So, how does our Insurance Puzzle Solver work?
Click: Enter Insurance Puzzle Solver
Answer: 10 simple YES/NO questions
The Puzzle Solver will then recommend the insurance covers for your organisation*
Choose how to apply: 

Apply Online

Book a phone appointment with our NFP Team
Have the tailored application form emailed to you

We help cover all the essentials

Motor Vehicles - Owned and Non-owned

Owned Motor Vehicles: Comprehensive motor cover protects your organisation's vehicles, including leased vehicles.

Non-Owned Motor Vehicles: This covers loss of excess, no claim bonus and hire costs for vehicles not owned by your organisation (such as vehicles owned by volunteers, while being used on behalf of the organisation).

Public and products liability

If third parties suffer an injury or property damage as a result of your organisation’s activities, we can ensure that you, your employees and your volunteers are protected in the event of a claim.

Voluntary workers personal accident

Age shouldn’t be an obstacle to volunteering or your insurance, so we offer a policy with no age limit, so your volunteers will be covered no matter how old.

Property and crime

We make sure you’re covered for loss, theft or damage to items that generally do not leave your premises. If certain items do need to leave the premises, we can ensure they’re covered too.

Protector association liability

This covers your organisation’s directors, officers and bearers against legal obligation for actions arising from their duties. It also protects your organisation against alleged wrongful acts, and extends to employment practices liability and fidelity.

Employment practices liability

Automatic cover to help employers minimise the risk of potential cost of claims taken against them as employers.

To discuss your insurance needs, call us on 1800 123 266 between 8.30am-5pm, Monday-Friday.
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Have your say: Aon are committed to providing CTO member customers the best possible service, price and cover. Each year we’ll send you a satisfaction survey to check your renewal experience, with the real-time results shown above. Should you not be completely satisfied, we’ll use this feedback to resolve any issues and work to improve your experience going forward.

* The information about Aon Risk Services NFP products is general in nature and should not be relied upon as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. So before deciding whether a particular product is right for you, please request the relevant PDS or contact 1800 123 266 to receive a copy and to speak to an advisor.

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