Insurance for members of The Community Transport Organisation (CTO)

Why Aon?

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

Aon are the approved insurance broker to the Community Transport Organisation (CTO), and have over 30+ years' experience in understanding your unique risks. This, coupled with the feedback from CTO members resulted in us creating a way to make understanding and applying for the right insurance easier, the answer - our NFP Insurance Puzzle Helper​.

As all community transport organisations are unique, your insurance package should be too, for example, you may need Public Liability and Motor insurance, but not Property cover. The Insurance Puzzle Helper will help you identify what insurance covers you do and don’t need from our range of tailored, well-priced products for CTO members, and allow you to apply for only those, online.

Plus, for an even simpler experience, no change to your organisations’ activities over the next year, means no forms at renewal!


Endorsed by the Community Transport Organisation (CTO)

“Aon is the preferred broker of the Community Transport Organisation. Their policies are made specifically for our line of work and we recommend their insurance to our members.”

We cover all your essentials

Using the Insurance Puzzle Helper

NFP Insurance Puzzle Helper - our unique, interactive and customer-friendly online tool has been developed to help you identify, understand and easily apply online for, only the covers needed. You can trust you're covered for the risks you face, and also not paying for those you don't.

Insurance Puzzle Helper how to:

Click: NFP Insurance Puzzle Helper button above
Answer: 10 simple Yes/No questions
The Puzzle Helper will then recommend the insurance covers for your organisation*
Choose how to apply:

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

* 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 also request the relevant PDS or contact 1800 123 266 to receive a copy and to speak to an advisor.

The 6 key NFP insurance covers

Motor Vehicles - Owned and Non-owned
Owned Motor Vehicles: Comprehensive motor cover protects your organisation's (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 those 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. Your volunteers will be covered no matter how old.

Protector association liability
Cover for 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.

Property and crime
We make sure you’re covered for loss, theft or damage to items that generally don’t leave your premises. However, if some items do need to leave the premises, we can ensure they’re covered too, just give us a call.

Optional: NFP Cyber Insurance

As a NFP, you will store a lot of personal information on your systems. With the recent rise in cyber hacks and attacks, and the fact that standard insurance policies won’t protect you in the event of one, what would happen if your NFP was one of those impacted?

In response, we've worked with our cyber risk experts to develop a comprehensive and competitively priced insurance cover that protects your NFP. Learn More & Apply Online today: Aon’s NFP Cyber insurance

Aon and Everproof - new product

Aon has recently partnered with Everproof – a value-adding product for Not-for-Profits, which in the insurance industry, only we are licensed to offer.

Everproof allows for the automation and streamlining of your processes re ensuring all your volunteers and staff have the required qualifications for their roles. It also helps reduce your risks through automated verification of information and send of expiry reminders to individuals. Historically, these tasks were manually managed through spreadsheets and therefore time-consuming and prone to human error and fraudulent data.

Try Everproof today - CTO members who are Aon clients will receive a 10% discount off their Everproof subscription. Just quote the discount code: AONCTO

More info can be found on their Youtube or by contacting them direct:

Got a question? Our dedicated NFP Team is available by phone or email Monday-Friday 8.30am-5pm AEST.

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