CTO Banner

CTO and Aon

Insurance for members of Community Transport Organisation (CTO)

or call 1800 123 266 Mon - Fri 8:30am - 5:00pm AET

Why do CTO Members need insurance?

In a perfect world, every member of the community would have equal access to all facilities and necessities. But in our far from perfect world, the services of community transport providers like you are especially valuable. Regardless of the important role you play though, the possibility of a client alleging your service caused them an injury or other type of loss is very real. It is therefore important you hold appropriate insurance for your organisation to help ensure all the good you do isn’t wiped away with one small mishap.

As the approved insurance broker to the Community Transport Organisation (CTO), Aon have over 30 years' experience in understanding the risks commonly faced by your industry. By partnering with organisations such as CTO, and leveraging our relationship with insurers, we’re able to arrange cover that has been specifically designed to cater to the key risks not-for-profits such as yours.

Why choose Aon for Not-for-profit Insurance?

When it comes to insurance for your not-for-profit organisation, there are a number of options available to you, and you may or may not need more than one. We understand it can be confusing, and there are a lot of pieces to put together. So as part of our commitment to making insurance easy to understand, buy and manage, we’ve developed the NFP Insurance Puzzle Helper to help you identify what insurance you may need, what you may not need, and most importantly, why.

AU Community Transport Organisation (CTO) 328x168

What Insurance do CTO members need?

Frequently Asked Questions

Here are some questions commonly asked by clients.

Why might I need Cyber Insurance? (NFP)

As a not-for-profit organisation, your relationship with your donors is based on trust – you receive donations because your donors trust you will use their money towards the right cause. If your donors feel that they can’t trust you with their personal information, they might not trust you with their money. You might store personal information digitally or have a payment processing system to accept donations or offer ticketing online. All of these digital systems could be vulnerable to cyber-attacks. If your organisation’s computer system was hacked, access could be gained to private information such as the addresses, emails, bank account numbers, and credit card details of your donors. Even if you feel the data you hold isn’t highly sensitive (for example, if you don’t hold credit card details), it’s not necessarily about the data being useful to the hacker, but how the data and records are useful to your organisation, and whether you could function without them.

What insurance might I need for fundraising events?

If you’re holding a fundraiser event, there are a few insurances you may need to consider. Public and Products Liability insurance would be one of the most important ones, but in addition to taking this out for your organisation, you’ll also need to ensure any stallholders such as ride operators and food stalls have their own Public Liability insurance in place. If your event will have volunteers, then you may also need to consider Volunteer Workers’ Personal Accident insurance. If you’re unsure of the insurance you need for your event, Aon’s NFP Insurance Puzzle Helper can help you decide. You can also speak to a member of Aon’s Not-For-Profit team by calling 1800 123 266.

How do I make a claim? (NFP)

You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time which is why, as your advocate, we are always on hand to help with any questions. You can notify a claim or circumstance by calling Aon on 1800 123 266, emailing [email protected], or writing to Aon at PO Box 1331, Parramatta, 2124.

What if I need to make a change to my policy? (NFP)

It is important to keep your policy up to date with the changing shape of your work but also to keep your business and personal information up to date in the event of a claim. Should your business circumstances have changed, for example you have changed the services that you offer and you are not sure if your existing insurance covers your new business activities then you can always call one of our experienced friendly brokers to discuss on 1800 123 266.

How do I receive my certificate of currency? (General)

Your broker will email you your certificate of currency once payment has been made on your policy.

What are your opening hours? (NFP)

Our opening hours are 8.30 a.m. to 5.00 p.m. Monday to Friday (except public holidays). If you need to contact us out of hours you can email us at [email protected] and we will pick up your query on the next business day.

How can I make payment?

You can make payment over the phone by calling our team on 1800 123 266 or follow the instructions at the bottom of your invoice.

What is the process after I have completed the proposal form?

After you have completed the proposal form you will need to click the ‘Submit’ button at the bottom of the form or forward the form to our NFP team at [email protected]. As long as you have provided the necessary information, we will respond to your email with an appropriate quotation or, if required, refer the quotation to our panel of insurers for terms.

News you need to know

Read More

Want business insurance designed for the needs of your industry?

Call us on 1800 123 266 or email us [email protected] and speak to one of our insurance specialists.

In arranging certain NFP policies, Aon has binder agreements with relevant insurers under which Aon is authorised to commit such insurers to providing cover without reference to them. When acting under a binder we will be acting under an authority given to Aon by the insurer and will be effecting the insurance contract as agent of the insurer and not as your agent. Any information provided about policies is general in nature and does not take into account your particular objectives, financial situation and needs. Before making a decision, you should carefully consider all information provided to you. Our binder arrangements with insurers are such that we remain your agent in the handling of any claim.